While it’s true that money can’t buy happiness, it’s also true that it’s easier to be happy with more money than with less. If you could just relieve the stress that surrounds money and money management, it would make all the difference in the world.
Here’s the thing though. So many websites and blogs make big promises about getting out of debt fast or making a ton of money quickly with very little effort. You may have even tried a few of them only to discover that they don’t work or worse – they’re total scams.
It makes you skeptical of any advice you find online but you still need a solution. You still need to find a way to get rid of your crushing debt and be able to do something nice for yourself or your family once in a while without feeling guilty.
Good money management is that solution. No, it’s not glamourous and sexy like those get-rich-quick schemes plastered all over the web, but it works. Not once in a while – it works each and every time, once you know how to do it properly.
You don’t know what you don’t know. Sure, you get a basic theory of money in versus money out at an early age, but it’s rare to find a person who’s been taught how to strategically apply this successfully in the real world.
Seriously, if schools just offered the most basic money management courses, debt would plummet and prosperity would rule. Unfortunately, a lot of companies and banks profit from your debt so why would they want you to learn how to better yourself?
But you can learn and it’s not that difficult either. Sure it takes a bit of disciple, but the rewards are sublime! Imagine a life where you’re free from the burden of debt, managing your money like a champ and reaping the benefits that life has to offer. How great would that be?
I’ll meet you right where you are. Whether you need help getting organized enough to figure out exactly how to start or you need that little extra push to get your budget finalized, you’re covered.
No one ever said you have to do this all on your own! You can, of course, but that’s really going about it the hard way. Once you’ve got everything laid out and organized, why not take advantage of your electronic devices to make sticking to your new money management plan a cinch.
There are so many choices when it comes to money management software that it makes the old pen and paper route seem almost obsolete. You may lose your paper, but you probably won’t misplace your cell phone or computer!
Many of these software programs even offer mobile companion apps and sync across all your devices. This means you can access your killer money management plan from any device with internet capabilities. It’s never been so easy to stay on track.
I know you’ve probably heard financial experts preach about “good”
debt versus “bad” debt. But in the end, it’s all still debt and until it’s paid
off, it WILL be a financial burden.
I’d agree that mortgage debt is waaayyyyyy better than credit card debt and it will probably be the last one you want to attack, but attack you shall! If your goal is to be debt free, then by all means, roll that mortgage up into your money management plan.
But in the meantime, your laser focus should be on your credit card debt. Learn how to stop supporting the credit card companies and discover how to create a snowball effect with your debt that rolls in your favor.
It doesn’t mean you have to take it of course, but it does feel nice to be offered. Your credit score is everything when it comes to money management because it doesn’t just affect your ability to get a loan anymore.
Bad credit can trickle into every aspect of your life. Have you ever been turned down for a job? How was your credit? Are your insurance premiums outrageously high? How is your credit? Things you wouldn’t even think about are affected by your credit score.
And this, like your budget and money management plan is not terribly difficult to turn around. Again, it takes some discipline but you can do it. Good credit equals lower rates on just about everything. So tend to your financial garden and watch your green money grow!
Do you ever wonder if you have the right insurance coverage? What if something happened? Could you financially handle it? Can you even afford the insurance premiums – or the better questions would be, can you afford not to have the insurance?
The truth is, there are some types of insurance you just don’t need. In certain situations, it really is cheaper to simply pay “out of pocket”. Find out what insurance is right for you and what you can skimp on.
What about retirement? Are you thinking about that right now or are you just trying to survive? The bad news is, there will probably come a time when you simply can’t work anymore. What will you do?
The good news is, there are ways to start saving for your retirement that can work with almost any budget. It’s really worth looking into now because the sooner you get started, the more money you’ll have when the time comes.
One way to fund your insurance, retirement or even your money management plan is to discover ways to save. Cutting back doesn’t have to be painful and it really shouldn’t be. You’re under enough stress without adding the extra burden of doing without all the things you love.
The key to painlessly saving more money is to prioritize. Keep the “must-haves” and negotiate the rest. There are dozens of things you can “trade out” for less expensive or even free options. Deprivation is not good but replacement, well, that’s doable.
You may find that these less expensive options suit you even better regardless of the price. The thing is, you don’t know until you try. So get creative. I can all but promise that you’ll surprise yourself!
Another, more appealing option, to fund your brand new money management plan is to bring in more dough.
I know that’s often easier said than done and the scammy internet sites promising overnight riches don’t help. But it can certainly be done.
The key is to get rid of the idea that you can make money by offering nothing. It’s not going to happen. But you can make more money using creative methods, and it’s easier than you might think.
You’ll find most of these opportunities “outside the box”. Change
your mindset and change your life. Once you make it to this wonderland they
call “outside the box”, you’ll find more ways – better ways – to make money
than you know what to do with.
Sure, you’ll still have to give to get, but what you receive will be worth far more than the effort it takes. And who knows, you may even find a new career. It’s totally up to you!
You see, money management doesn’t have to be hard. You simply have to know a few tricks that allow you to work your money instead of your money working you.
You too can be a Money Management Superhero! Just bring your creativity and your burning desire to be debt free, stress free and in control of your financial life. Oh yeah, a little dose of patience doesn’t hurt either.
You’ve probably heard the saying, “Rome wasn’t built in a day.” In fact, it’s said to have taken over 1,000,000 days to build! Can you imagine?
The point is, great things take time. Learning to manage your money and banish your debt are not exceptions. You didn’t get here overnight (hopefully) and you won’t fix it overnight either. But you will fix it.
And the good news is, it won’t take you a million days to do it!