“There are no shortcuts when it comes to getting out of debt.” – Dave Ramsey As a consumer, you have to spend your money on the things that you need, right? And (let’s face it) you enjoy spending money on the things that you want. While there’s nothing wrong with that, the problem comes when […]
“Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.” – Suze Orman Having some extra money set aside for those unexpected expenses is the only way to get out of debt, stay out of debt and above […]
“A cardinal rule in budgeting and saving is to pay yourself first. Once your paycheck hits your account, wisdom has it that you should move some amount to savings even before you pay the bills.” – John Rampton A simple financial principle that many people don’t incorporate into their budget is to consider that saving […]
Don’t think for a minute that the high levels of success you see other people have is achieved with minimal effort. As they are at the top of their game reaping the rewards of their success, they make it look so easy, but don’t be fooled by it! The things that they do that look […]
Despite what many people might think, it doesn’t take motivation to take action, it’s actually the other way around! Motivation comes from taking action and once we’re motivated by our actions, we prime ourselves to take more action. A simple example from my own experience is when I don’t feel motivated to engage in my […]
Whether we like it or not making decisions is something all of us have to do on a daily basis, multiple times a day. We are constantly making decisions and most of the time we probably don’t even put much thought into it. Decision making happens on a few different levels. There are small level […]
The thoughts and ideas we have going through our minds every day, actually every second of every day is what causes us to make the decisions that we make and the actions that we take in all aspects of our lives. Those thoughts and ideas we have are very much influenced by the things we […]
Whenever we hear the F word…okay not that F word, another one…Failure, we always relate it to negative, pessimistic ideas, but why is failure perceived to be bad? Besides the obvious fact that failing doesn’t feel particularly good, we tend to have a fear of failure. The truth is, failure offers us a chance to […]
We often live our lives like there’s never enough time to accomplish the things we need to get done and for many aspects of our lives that may seem to be true. We feel like we can’t get enough of it and we could always use having more. It’s this dynamic which we encounter on […]
I’m sure we can imagine that consistency is a key factor in many areas of our life, and it is key in the area of our finances too. Our money habits are formed based on how we constantly handle our money, from saving to spending. As with any habits, money habits can also be good […]