Category: Personal Finance

The way to financial freedom is not always paved with gold. You need first to have a fight with the rough stages and develop skills you’ll need in the future. One of the best things that you should know is: BUDGET.

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Budgeting is an essential element for you to be a successful man in any field that you are doing. But if you won’t take a time to have money management or budget, you will always start every now and then but you will lose the battle of investment, savings, and worst, become a financial freeman.

The Money Management School: Budget Essentials

Here is a simple budget procedure that any simple guy can ever do. Take a time to put in your heart and learn from the best lessons.

  1. Record the Expenses. Most people are wasting their money over things that they don’t actually need at the moment or in the near one year. It is a bad habit of spending. If you want to become a millionaire or at least a financial freeman, have a single book. Write down all you’re spending. You write the cost of your expenditures. This way you will be able to track down the priority that you have.
  2. Make a Category for Priority. You categorize your expenses. You paid your bills – electric, water, telephone, and many others. You put them in the record for you to see the priority at once.  Did you spend your money over things unimportant or you can easily see in the category that you spend only for the priority matters.
  3. Cut Proportions. You have known your expenses and your priority. You take time to cut them into proportions. Instead of spending your money over your car’s polisher every week, cut it to twice a month. There are few things in life that you cannot live with but there are many things in life that you can live without. You throw those low priority materials and put them sometimes – if you have enough excess cash.
  4. Plan ahead to spend ahead. Spending comes in handy. That’s the maxim. You spend when you see something. A bad ordeal. You don’t need all things that you see. You better write down your expenses for the next month. Be sure to write only the priority. Do not overestimate. You are making yourself an excuse to spend the excess budget.
  5. Invest now. Investing on something is very important. You cannot just send your money to the club. That’s stupid and idiotic. You can invest on stocks, forex, and many others. Your money will earn a sizable nest that you can use someday.

It is really a sad thing to spend more than what you can get. It is very important to have the best of life. But it is important to pay only for the things that you need. Make a good list of your expenses. You will soon forget how you spend your money. And in the middle of the night you will ask, “Where my money went?”

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Living is not all about how you spend but how you live. You don’t need to spend thousands of bucks for your live. That’s a maxim of fools and only fools lose much money.

You can easily hear people having problems with bad credits. You can see people having wrinkles on how to pay their four credit card balances. Houses are closed by mortgage banks and institution leaving the owner homeless, desolate, and in the right term, impoverished.

Why all these happens?

They are too wise – spenders. They spend much of their monthly income over unnecessary materials and end in depending on credit cards to live for the month.

They are too wise – investors. They spend their money down paying house, cars and other materials all in one blow sending their savings to zero and in due time, their monthly income to nothing. Not enough cash flow results to dryness of the pocket.

They are too – wise workers. They are eating in luxurious restaurants to impress people with their job but in due time, they will be scavengers in the street without a single Washington penny in their pocket.

That’s what happens to wise people. But are you wiser than them? You must be!

Live Below your Means and Live

The new life maxim is live below your means and live; not live, eat and be happy.

If you want to live happier with the best freedom that you can have from financial woes, it is good to spend your money wisely. The key to happiness is not much money but contentment. You need to live with what you have and throw your money to savings account in banks. A nice investment, right?

Spending lesser than what you can earn is an important dictum that you should have. You need to spend less and earn more. You need spend lesser and save more. It is the best balance that you need to have if you want to have a financial freedom that you can enjoy with the best day of your life.

Spending less will give you more savings. You do not need to have a mortgage loan for your house. All you need to do is save a lot to get that. A loan will give you problems with interest but paying the house with your savings is ownership at the instant.

Spending less will give you better days. You can easily buy your car if you take time to have it. Just wait. You spend lesser than what you earn every month and save much money for your car. Spend less and you will have what you need.

Living below your ability is an important maxim to follow in this tough world. You cannot just rest your life over things that you don’t need. If you want bigger things in future, it takes time. You need to discipline yourself and make a sizable nest where you can lay in the future.

Spend below your means will make you a better man; a refined businessperson; a developed individual and a genuine millionaire in the future.

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