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.