If you ask someone whether or not they want to be in debt, you’re probably never going to hear them say no. Everyone wants to live within their means, but when it comes to actually doing it, it can be a little more difficult.
You may think that you’re going to cut back completely: not go out to eat at all, not go to the movies, not take vacations, but that’s not realistic at all. Eventually you’ll probably break down and spend way too much on something you didn’t need because you’re so stressed out from not having any fun.
Most people are never taught how to manage money. We don't develop these skills in school, and often we learn our financial habits from our parents or the hard way - by making mistakes.
"If you don't get out of the box you've been raised in, you won't understand how much bigger the world is." - Angelina Jolie
We are encouraged to want everything and to demand it immediately. Just by signing your name, you can have a top-notch computer, a home remodel, and a new car. And if you don’t buy these things, you may feel like you haven’t made as much of your life as your neighbor or friend. It’s no wonder that many of us consider credit cards and loans as normal and even necessary. Keeping up with the Joneses has never been so expensive!
In a struggling economy, it was hard for me to have a good time. The prices of everything keep going up, while my bank account dwindles. After utilizing the strategies in this book, I realize that I no longer had to struggle, I have choices!
"If you don't like the road you're walking, start paving another one." - Dolly Parton
Budgeting is an important element of effectively managing your money. Living paycheck to paycheck can be difficult, but there are ways to ease the pain by implementing and utilizing a budget that takes care of all of your expenses, large and small.
Stressing out over your finances is a waste of your time, so rein them in today with a simpler, easier to manage spending plan.
I always thought of a budget as a limitation. I wouldn't be able to go to the movies, out to eat or even be able to take a vacation. Once I started reading this book and learned about the "fun" account, I was liberated! I can be on a budget and still have fun!
With the right techniques, a budget can be the tool that brings you freedom!
For many people, staying within a budget can be challenging. If keeping to your budget seems like an insurmountable task, you'll be happy to know that there are ways to stretch your budget and still enjoy a quality lifestyle.