Sub-Topic: ADAPT AND COMPENSATE OR ELSE.
Getting into healthy habits, when it comes to money, is step one. Imagine not having to actually think about putting your financial house in order, because knowing what to do to reach your goals comes naturally. Wouldn't life be so much easier (and less stressful), if you didn't have to focus so much on making sure you are doing the right thing day in and day out to support your dreams? I like this to be going on a "diet." Diets are for people who haven't transformed their minds to automatically think a certain way that makes healthy living instinctive. The vast majority of those who have achieved optimum health and who maintain their ideal weights year after year don't think all that much about what they eat and how often they need to exercise. Why? Because they practice a lifestyle that supports their health and fitness; they don't need the structure of a "diet" as they are already programmed to live well.
The mind is a powerful place, which is why we need to start there, if we're ever going to see results in the real world. Given the fact money issues prevail when it comes to many people's stresses, I'd venture to guess that we spend the greater part of ours days thinking about money from a negative perspective-money is evil, money is too hard to make, money doesn't like me because I can't get enough of it to feel at ease and "accomplished." Sound familiar? Well, let's see if we can't turn that negative thinking around by shifting how you perceive the role of money in your life. We all can agree that money is the means of freedom, education and comfort. It allows us to grow, achieve autonomy, learn and provide a value and service to the world at large. Having a positive relationship with money is often the first step in lessening financial stress and making the changes necessary to open new doors to opportunity, to victory, to success.
So how do you change your way of thinking? Start by making positive affirmations about money every day, just as you are doing about yourself. Tell yourself that money is good. Money channels achievement. Money facilitates whatever it is you want to do in life. Don't get me wrong, money is by no means a measure of success; but it's an instrument with which we can get what we want out of a fulfilling life. And as I've already pointed out, getting what we want starts with the first money. Live below your means because it means you won't go broke. If there's one piece of advice we hear more than once, but tend to continuously ignore, it's this one. Ignore it no more. Getting a handle on your finances entails a varied collection of mini-steps, some of which may make you slightly uncomfortable at first. If you've gotten used to living above your means, I understand it will be difficult to change your lifestyle and habits. But you must. Start by making small shifts in how you use your money on a daily and monthly basis. Make a journal of all expenses and income for 60 days. Write down everything you spend from vending machines to car payments. Then after those 60 days, take a look at your record. You will see where you are wasting money; it's not rocket science. We all have an innate understanding of what's truly necessary and what's not. From there, you can formulate a realistic budget, putting extra money toward credit card bills and savings. You want to be able to meet all of your most critical financial needs while also addressing your debt and establishing a savings cushion.
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