Foundations For Financial Freedom

Many people are living pay check to pay check and can’t understand why. Maybe you would like to enjoy your money more. 

My first question is what are you trying to achieve by getting in control of your finances?

If you don’t see an actual value in gaining control over your personal finances you won’t succeed in doing so.



The foundation of good personal finances is one, or hopefully, multiple goals.

What are your goals and do you have them written down? Goals can be small or large and once one goal has been completed there is room for more. Whether your goal is to become independent from your parents, travel more, or make a large purchase such as a house or car — get in the habit of creating and keeping track of your goals.

The next step is education.

We know that most schools and even colleges do not educate people on personal finances. It’s up to you to seek the knowledge. Information about personal finances can be found easily with Google search. Podcasts, Youtube, Blogs etc. all offer free and useful information.


An even better way to learn is to seek out and speak to the people who have reached the financial goals that you want for yourself. For example if you want to buy a home, speak to homeowners. Ask them not only how they achieved the goal but also what were the mistakes they made along the way. Knowing what they did wrong can help you know what to avoid.


BUDGET         BUDGET         BUDGET         BUDGET         BUDGET         BUDGET

BUDGET         BUDGET         BUDGET         BUDGET         BUDGET         BUDGET

BUDGET         BUDGET         BUDGET         BUDGET         BUDGET         BUDGET

BUDGET         BUDGET         BUDGET         BUDGET         BUDGET         BUDGET


A budget does not require limited spending! Budgeting is a tool that you can use to be more aware of your spending habits. Once you know where you spend most of your money you can plan accordingly and make better decisions about spending.

Many people don’t realize how many small purchases they make and how quickly they add up. Ever go to the 99-cent store and spend way more than anticipated after picking up things because it only cost a dollar? The same happens between paychecks as we make several small purchases that we don’t view as making a dent in our cash flow. Plan ahead. Why not allocate a specific amount for specific expenses?

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Another major component to achieve success at anything is accountability.

Maybe you’ve applied these tenets before and failed. Did you have a means of holding yourself accountable? There are several methods you can use to hold yourself accountable. One way is to find ways to make it harder to go against your plan. Another way is to set up reminders about what you planned to do. You can do this electronically using apps or personal alarms.

Another option is to pair with another person who is working towards better personal finances. Find someone you can trust and speak openly about the changes you need to make. Then check in with each other periodically to ensure that you’re following through.



Why You Can’t Pay Your Bills On Time – Some Tips on How You Can

Every one wants to get their finances in order. A great place to start is paying your bills on time. This is also a great way to build and increase your credit score. Here are a few tips to help you take charge of your finances and pay your bills on time.


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Set Calendar Reminders

Don’t be a dumb person with a smart-phone. Even the most basic cell phones have a calendar app. You can even set a repeat reminder. Make a monthly for each bill.  

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Choose Your Own Due Date 

This is an easy way to take control of your own finances.

Many people don’t realize it only takes a phone call to change the date of most payments. Do you g4et paid bi-weekly, the first and the fifteenth? Why not set the due date for your bills on two days that are most convenient for you?

Set up an Auto Pay

Again, one phone call can mean one less thing to keep track of once you set the payment to be automatically taken out each month. After auto-pay has been in effect a few months or years it’s easy to forget that it will come out– set a phone reminder to make sure you have funds in the accounts the bill will be taken from.


This is another option for the extra-responsible persom. As mentioned in my recent blog post What to do with your Tax Return paying off your bill a few months in advanced can be a great way to help you avoid thinking about a bill each month.

How to Protect Yourself from Negative,Bad-mind, Jealous and otherwise Ill Intentioned People

Reaffirm Your Greatness

Negative energy can only truly effect you if your foundation of self-love is weak. When you find yourself being affected by the negativity of others, reevaluate. This is the perfect time to acknowledge some positive things about yourself.  Make a list of your accomplishments or good character traits. If you have a hard time coming up with things, you may need to set some goals for yourself or work on some ways you can improve your personality.

Tell them the truth

Ideally we all want to be able to ignore negative people or erase them from our lives. The fact of the matter we may not be able to do so. They may be co-workers or even family members. And lets face it some people are PERSISTENT. Every time you see them, even it’s only for a few seconds they find a way to try to disrupt your joy.

Radical honesty can really get under someones skin. If you verbally acknowledge that what they are saying or doing is hurting you, they may take it into consideration. Speak up and let them know exactly what they are doing. You might say something like “What you just said really wasn’t nice, were you intentionally trying to hurt my feelings?” –Some people may laugh, scoff say that they were joking or may even say something even more hurtful. Be prepared for that and don’t let it bother you. Keep a serious tone. Most people with a conscience will later think about what they did or said– especially if you tell them consistently.

Remember the Problem is Likely with Them and Not You

People who are unhappy hate to see others enjoying themselves.

People who are unsuccessful never congratulate the success of others.

We’ve all heard the phrase “misery loves company” & it’s true!

People who judge you or have negative things to say about you usually are deficient in some area of their life where you excel. Some times the person is not at all conscious of their feelings – usually they are not – this is why it manifests in their comments, actions or aura.

Remind yourself of these things when you come across these people.

Ignore them & Resist the Urge to Defend Yourself

Every interaction with another being is an energy exchange. When others attack you with their unkindness, they are hoping to steal a little or a lot of your energy. Don’t let them do this.

When possible, ignore them completely. Nothing gets an ill intentioned person more frustrated than being ignored.

NEVER EVER defend yourself, and here’s why:

If you are confident in your abilities at a given thing, there is no need to prove that to ANYONE.

It is a complete waste of energy. The person attacking you knows that you are doing well, it is this fact that encourages them to pick at you in the first place. When you try to defend yourself, not only are you wasting your time an energy on someone who is already beneath you, you are actually doing them a favor. You are taking energy that could be spent bettering yourself and sharing that energy with them. They will ignore the logic of your defense anyway. Their mind was made up even before they approached you. Now all you’ve done is gotten yourself worked up and probably exerted some negative energy yourself trying to hurt them in return.