If our financial situation is a mess it’s hard to focus on our personal life. Especially when most of our energy goes to worrying about money.
The majority of people I talk to have the same issue at the end of the month. The feeling there should be more money left in the bank. You ask yourself: Where did all the money go? It wasn’t as if you were wasteful.
Money can be like sand slipping through our hands if we are not careful.
The solution? Track every single dollar and tell the money where to go by creating a budget.
I can almost hear the sigh “A budget? Ugh…” as if just reading the word budget gives you hives.
No worries, I thought budgets were only for businesses and people that didn’t know how to handle money when I got started. Ha! Little did I know people that have a budget are the ones that know how to handle money. I don’t know why budgeting has gotten such a bad rap. It’s just a description for telling money what to do.
It is thanks to a budget I joined financial freedom and now is helping others do the same. It’s not as if getting out of debt is rocket science. Spend less than you make and stop borrowing money. Yet, it is hard! Especially since it seems everyone around you can afford everything and you know you can’t.
Saying “not in my budget right now” was acceptable when you were in college or just starting out but as an adult you feel as if you are supposed to have access to an ATM machine spitting out unlimited amount of money. Others seem to have one of those in their living room. What we forget is that most people live on credit cards and truly can’t afford everything, although they build up the perception they can.
Making the decision to saying NO and getting out of debt can be overwhelming, especially when trying to create a budget. It is extra hard if you have a huge mountain of debt and don’t think it will ever go away unless you win the lottery.
But there is a way. I did it, so have others. I’m not going to say it’s always easy. It requires some sacrifices and using the dreaded word NO. Life on credit cards was carefree and fun until that credit card bill arrived. Life on a budget is not as carefree and fun because you have to make choices but the amazing freedom it gives you is worth it. Instead of dealing with stress and worry you are in control of your life. You are no longer stuck spinning a wheel.
Getting and staying out of debt is a process. A process I would love to help you with so that you can succeed.
Which is why I’m going to give away 10 copies of my just released book How To Get Out Of Debt Living Paycheck to Paycheck: 9 Simple Steps to Financial Freedom
All I ask you to do is to share this post with your friends on social media. Then come back here and comment. I will pick ten random winners by Monday Dec 1, 2014. Good luck!
This giveaway has ended. But you’re in luck. You can purchase my book on Amazon for less than what you pay for a latte. For a ridiculously low investment you could start your journey towards financial freedom today. My book will guide you through how to set up a budget and a plan in such a simple way you will shake your head why you hadn’t thought of that before. If you don’t have a lot of debt or even no debt, my budget system works in reverse to build up your savings faster. If you’re an iBooks or Nook reader, go here to purchase the book.
Awesome post! I’ve been to many of the debt classes and followed many others but I love how you explain everything in easy way.
Thank you Steve! I’m so happy to hear that. 🙂
Congratulations Steve! You have won a copy of my new book that will come your way via email. Cheers!
I look forward to reading what you have to say. We have very little debt b it I’d love to be completely free.
Little debt is great…but debt free is even better. I will announce the winners on Monday…
Congratulations Amanda! There’s a book coming your way!
Learning to say ‘no’ is the hardest step .. in a society that lives beyonds its means it is almost abnormal to be debt free.. one day I too will be !
charles recently posted…Why Dog Exercise is Actually Good for You
It is hard to say NO even when we know it is in our own best interest do that. I’m not sure how we got tricked into believing that debt is normal. That “normal” is wrecking lives, sadly.
Congratulations Charles! You won a copy of the book! It’s coming your way via email. 🙂
Just want to see what your thoughts are so I can get off the wheel
Congratulations Adam! I’m sending you a copy of my new book via email so that you can get off the wheel! Cheers!
Sharing again, Camilla – I’d love a copy to give my step-daughter. At 30, she has dreams she cannot chase because she is drowning in debt and living paycheck to paycheck. Bless you for writing this!
Tami – congratulations! I will be sending you a copy of my book so that you can give it to your step-daughter. Cheers!
Shared! I really want to get out of debt.
Congratulations Colette! There’s a copy of my book coming your way. I applaud you on taking the step towards getting out of debt! 🙂
Shared because I really want to get out of debt.
Joe – congratulations! You won a copy of my new book. I’m sending it your way via email. Cheers!
Looks like a great book! That I could really use!! Thanks for the opportunity to win a copy – I shared on Google Plus!
Congratulations Jodi – a copy of my book is coming your way! Thanks for sharing! 🙂
I’m a financial coach so I could use this in my library or give it as a gift to a client. We became completely debt free—house, business and all 1yr ago. Love teaching others how to become free!!!
Congratulations on being completely debt-free! I always love connecting with other financial coaches too. Do you have a blog/website?
I’m so happy to know my book will now be in your library! I hope you will find tidbits in there that will help you help your clients. Thanks for changing other people’s lives by getting them out of debt! Cheers! The book will come to you via email.
Looks like a good book!
Thanks Neil! And congratulations – a copy of the book is coming your way via email! Cheers 🙂