I feel like I am going backwards even though I work long and hard hours.
I hear this all the time from my clients. Reality is doing your personal finances is not everybody’s cup of tea. So how do you gain at least some control on this without ripping your hair out.
The old saying feels like I am just running a treadmill is very common.
There is a whole dynamic around this feeling around money. Many get rich quick schemes, high risk investments, keeping up with the Jones put us under pressure. Needing to have more.
Or that sinking feeling you want have enough money to even get through the next week let along when you retire. It’s a large weight people carry on their shoulders, suffocating at times.
Ever Had this Feeling?
What if you wake every day saying, I am so poor now, I am broke, I don’t know what to do, I’m done with this. Not the best way to start the day that’s for sure, and by saying this you just affirm your situation. I.e. what you say and feel is generally your reality.
I wish I could offer any of you feeling like this a simple magic wand to make it all better. Sadly I don’t have one. However, I do believe there is always hope and have come up with some simple tips.
Take Control today
The first step really is to take ownership of your situation. Accept what it is, most importantly that you don’t want to live like this any longer.
Say it out loud, write it down, and tell others, you are going to change your financial situation for the better starting today.
Attitude is your first and hardest step, to take control.
Repeat, I am bringing financial abundance, or bucket loads of cash if that feels better, into my life now
Here comes the cash and it feels great.
Well done, you’re away. Now there is some work to do here, of course, but it always feels better when you work for it anyway.
Over to you
As tough as it sounds (which it real isn’t) do a budget. Knowledge is power, get the head out of the sand and take stock. Find out where you are currently, it might not be as bad as you think.
Here you go; here is your own personal budget you can download, for free. No excuses, do it now, get started.
Don’t freak out, no matter how bad it looks.
Now you know you can take positive action. Simple steps maybe to trim down on some of those outgoing, ask for the pay rise, you are good enough to get one.
Now the best tip I can give you, put 10% of what you earn each week into a savings account. Even if you have debt, i.e. credit card, pay it off as you have been, even a little quicker if possible.
This savings account is your first reward. It will grow, and in 6 months time you realise you didn’t even miss that money in the first place. Yet now you have something to show for it, pretty cool hey. Tip makes sure you put it in your budget, ie 10% of income going to savings.
You are now in control and change is happening
So you are now in control and that pressure will ease, and funny how it works, money does attract money, and attitude attracts attitude.
Change your attitude and grow your savings, no matter how small, you will be surprised at the results. Don’t question it too much, stay in the flow.
Perhaps that new job might just come out of the blue as well. Start to love money, and money will love you. Forget any past held beliefs of being poor, let them go. I love money and money loves me.
Oh and as strange as it sounds, give a little to charity, has a nice feel good karma about it.
Well done your away
Let me know how you go, it’s a good positive step in the right direction. Of course I can help you get started to take control of your finances, let me know if you need a hand.
Remember to stash that 10%