Stuff. It’s everywhere.
You have stuff you don’t use or need, and even stuff you forget you have.
Most of us have so much stuff that going through our garage is like shopping at a thrift store. All of the “oh yeah, I forgot about that!” and the “when did we buy this?”…you may even find that you’ve bought stuff that you didn’t even realize you already had.
The point is, you need to get rid of some stuff. Sell, donate, trash, or whatever…you need to declutter. That’s why you’re here.
Here’s a great method I’ve been using to get rid of 323 items over the last couple months…
So you’ve decided to start budgeting. Good. The first step to recovery is to admit there is a problem.
Honestly, creating your budget will be the easy part. As you sit down and assess all your numbers, you will begin to realize where you are wasting your hard earned money. A feeling of disgust will rush over you as you analyze each dime spent and recognize you could be saving a lot of money each month. If you only knew that all of the coffee stops and weekend adventures would eat away at your bank account. It is astonishing how much we continue to withhold our own financial information from ourselves.
Now you have decided to start a budget and take control of your finances. Frugal spending, wise saving and cutting back seems easy, and it can be. But just like any addiction or habit, controlling the emotional aspect can seem to be the biggest challenge. While you are budgeting you will be traveling a winding road of emotions. Some with the intention of derailing your budgeting efforts.
So let’s take a look at what you can expect emotionally while embarking on your budget expedition.
We all know that discipline is about small habits, practiced consistently, over time.
So what’s the problem? Why is discipline hard?
Because, while those small habits are super easy to do, it’s just as easy to not to do them.
These small habits will help you reach huge goals, but…”there’s always tomorrow”…”I’ll start on Monday”…you know how it goes.
Sure it’s easy to not do it, but you’re about to have a plan. A plan of discipline that you’re going to stick with. So we’re done talking about not doing – it’s time to talk about doing.
Do you think that financial experts can always manage their credit cards smartly? If so, then you’re dead wrong.
Here’s my story to clear your misconception.
There was a time when I didn’t manage my credit cards and finances carefully. To make the matter worse, I got a job after completing my studies. It gave me an opportunity to spend even more and incur debt. Now, when I look back, I realize that I wouldn’t have incurred debt if there was no job.
The holiday season is almost upon us, and with the arrival of celebratory occasions comes the added stress of spending more money than usual. Make sure your holidays are affordable this year and use these money-saving tips.
The rich keep getting richer, and the poor keep getting poorer. Right?
You’ve heard that a thousand times. It’s not fair, is it? Some people just can’t get a break.
Well, that may be true, but it’s not that simple.
So why are some people rich and others poor? Why do some poor become rich, while some families stay poor for generations?
The promise of a college degree is enticing. It’s a sure way to advance your career and gain more knowledge while expanding your network. But college degrees get more expensive each year making the thought of being a college graduate out of reach for many.
Potential college-goers are easy prey for scammers who offer attractive loans and scholarships that make the college dream seem affordable. With more sophisticated means of taking your money under the guise of offering student loans, you need to be smart about who you give information to and what you agree to in your loan search.
Student borrowers are also subjected to scammers who promise to eliminate student loan debt. Some companies engage in deceptive marketing practices and illegally charge customers hundreds of dollars to reduce or eliminate their debt.
A typical scam follows a pattern like this…
We all know that positive language provides better results than negative language, but we may be using negative language without realizing it.
As Zig Ziglar says “negative people call it an alarm clock, positive people call in an opportunity clock”. Corny? Sure, but it’s also true that your words can define your habits.
Let’s take a look into some language that you may not realize is holding you back, and how to change it…