I hear all the time that “America is going down the drain” and it drives me nuts! We are blessed to have so many freedoms and live in a place where we can make our own destinies. Someone told me yesterday that they can’t even afford to go out to dinner. I asked how many credit cards do you have? He replies FIFTEEN and they are all maxed out!
We need to start changing our lives and our country starting at home. Too many of us are buying material objects that seem to be important today but are thrown in a closet tomorrow, huge mortgages that take up most of our paychecks, fancy cars that depreciate the moment we pull off the dealerships lot. If we can’t afford it then don’t buy it! It saddens me to see so many people trying to make ends meet while still spending out of control. Yes, the government is known for this and the economy is in bad shape but, that is not an excuse for us to do so too. You’ve heard the old sayings “two wrongs don’t make a right” or “you’ve bitten off more than you can chew.”
I am not going to get all political here on my blog about being happy. I am just saying that we need to stop expecting to get bailed out for our own mistakes, just because the politicians have lost the golden rule of ‘common sense’ doesn’t mean we should. God didn’t tell us that we are born with the rights to a fancy supper, the best educations, free medical care, or even a job. He said we have to earn what we want and need. “Teach a man to fish and he will always eat.”
Here is what I have been doing to gain control of my financial life which in turn makes my entire life much less stressful and much more rewarding. By changing a few habits we will make our own economies better and worry less about what others are doing.
• Work smart! It’s simple, plan your days and be the best at what you do. 80% of our success is based on our attitudes not our intelligence (thank God!).
• Smile more! A genuine smile and thoughtful acts toward others will help you earn much more money and get you out of debt! Care about everyone you meet all of the time!
• Don’t carry your credit cards! I have one credit card for travel and emergencies locked in a safe. If I carried it, I know I would have bought that flat screen t.v. on sale today...
• Pay off one debt at a time! Budget your money and pay off the highest interest rate card first. Even if you have to pay the minimums on all the others. Knock one out at a time and you will be debt free many years sooner!
• Make dinner at home more often! You will be healthier and will know what is in it. Let your wallet get fatter not you! Eating out all of the time is unhealthy, even the fancy kitchens add a lot of preservatives and salt. What my friends and I do which is really fun and saves a lot of money is to rotate going to each of our homes for dinner each week/month. It is much more fun than going out, saves us money, and we don’t have to talk over a loud crowd. Try it... you’ll have fun and may even learn to make a mean meatloaf!
• Drive your car for at least five years after it is paid off! Once you got rid of that huge car payment why would you want to start another one a month later? Enjoy that extra savings... if you want a new car scent again go to your local gas station and pick up a “new car scent tree deodorizer” or go get it detailed for a hundred bucks.
The bottom line is we are blessed to be surrounded by so many opportunities and to live in a great country that was built on ‘free will’ and ‘freedoms to learn and grow.’ We are slowly slipping into competitions about who has more instead of concerning ourselves with becoming rich from within. Riches of love, peace, charity, kindness, and laughter are much more important than any paper money or gold. So why drown ourselves in the battle over materials which will only stay here when we are long gone. Slow down, moderate everything in life, and start enjoying the company of each other; not some fancy gadget that is putting you in debt.
The furthest thing from freedom is debt so the sooner you get out of debt the sooner you will enjoy more freedoms...
We need to start changing our lives and our country starting at home. Too many of us are buying material objects that seem to be important today but are thrown in a closet tomorrow, huge mortgages that take up most of our paychecks, fancy cars that depreciate the moment we pull off the dealerships lot. If we can’t afford it then don’t buy it! It saddens me to see so many people trying to make ends meet while still spending out of control. Yes, the government is known for this and the economy is in bad shape but, that is not an excuse for us to do so too. You’ve heard the old sayings “two wrongs don’t make a right” or “you’ve bitten off more than you can chew.”
I am not going to get all political here on my blog about being happy. I am just saying that we need to stop expecting to get bailed out for our own mistakes, just because the politicians have lost the golden rule of ‘common sense’ doesn’t mean we should. God didn’t tell us that we are born with the rights to a fancy supper, the best educations, free medical care, or even a job. He said we have to earn what we want and need. “Teach a man to fish and he will always eat.”
Here is what I have been doing to gain control of my financial life which in turn makes my entire life much less stressful and much more rewarding. By changing a few habits we will make our own economies better and worry less about what others are doing.
• Work smart! It’s simple, plan your days and be the best at what you do. 80% of our success is based on our attitudes not our intelligence (thank God!).
• Smile more! A genuine smile and thoughtful acts toward others will help you earn much more money and get you out of debt! Care about everyone you meet all of the time!
• Don’t carry your credit cards! I have one credit card for travel and emergencies locked in a safe. If I carried it, I know I would have bought that flat screen t.v. on sale today...
• Pay off one debt at a time! Budget your money and pay off the highest interest rate card first. Even if you have to pay the minimums on all the others. Knock one out at a time and you will be debt free many years sooner!
• Make dinner at home more often! You will be healthier and will know what is in it. Let your wallet get fatter not you! Eating out all of the time is unhealthy, even the fancy kitchens add a lot of preservatives and salt. What my friends and I do which is really fun and saves a lot of money is to rotate going to each of our homes for dinner each week/month. It is much more fun than going out, saves us money, and we don’t have to talk over a loud crowd. Try it... you’ll have fun and may even learn to make a mean meatloaf!
• Drive your car for at least five years after it is paid off! Once you got rid of that huge car payment why would you want to start another one a month later? Enjoy that extra savings... if you want a new car scent again go to your local gas station and pick up a “new car scent tree deodorizer” or go get it detailed for a hundred bucks.
The bottom line is we are blessed to be surrounded by so many opportunities and to live in a great country that was built on ‘free will’ and ‘freedoms to learn and grow.’ We are slowly slipping into competitions about who has more instead of concerning ourselves with becoming rich from within. Riches of love, peace, charity, kindness, and laughter are much more important than any paper money or gold. So why drown ourselves in the battle over materials which will only stay here when we are long gone. Slow down, moderate everything in life, and start enjoying the company of each other; not some fancy gadget that is putting you in debt.
The furthest thing from freedom is debt so the sooner you get out of debt the sooner you will enjoy more freedoms...
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| Author of the "Life in a Week" book series http://www.lifeinaweek.com/ |
really great, Mike. Made me feel less powerless over economic uncertainty, both my own and our country's. I admit, I thought when I read your post that I was going to disagree, since I
ReplyDeletem so anti-government, but I loved what you wrote. Your blog gets better and better all the time!