Sometimes when we are in a bind the first idea that comes to our mind is to scale back, cut corners and figure out how to save pennies because of course those pennies add up. We like to convince ourselves we do not need a new outfit and that day trip we were planning isnt so neccessary.
We start to pack our lunches instead of paying for that over priced diner with the sandwiches that are so good you justify the price with the astronomical amount of food you recieve for it. Most of us are all wired to survive when we should be making the best choices so we can live. Why does our mind think subtract when we clearly need to add? Is it the fear of the unknown or is it the reality of what is? The unknown is; logically we all can do more and produce more. However life may sometimes enable us to get lazy and comfortable with our existence and we begin to just roll with it. What if we started saying. I need some extra cash, let me DO MORE!? Instead we immediately consider what we can I do less of? Here is my logic, firstly many of us are spending too much money on regular life anyway! You may eat out a lot, you may smoke marijuana and drink. You may be the kind of person whom loves new clothes and sneakers, clubs. What if your a parent? God forbid you may be a person that juggles many of these things. Sometimes you pray for days you spend ABSOLUTELY NO MONEY FOR ANY REASON AT ALL. What if before we started taking away from ourselves we evaluated ourselves so that we are not being reactive rather proactive to financial pitfalls? What if we started to actually budget our money and plan how we were to spend our money prior to doing so ultimately creating a situation where we are ALREADY spending money on things of value. Instead of our mind thinking "oh I can just cut out starbucks" the mind will say "Damn I am already budging let me looking for passive income." Or maybe you are saying things like; "how can I maximize my finances so that I am making the best financial choices ALL OF THE TIME? The idea is let's not do less but do more. Why should we rob ourselves of things we desire or feel as though we deserve because we do not financially have it? Why isn't our first thought is to figure out how to maintain our lifestyle or what could we maximize in our life to provide? Some of us make 20$ an hour after taxes you make about 120$ a day give or take a few dollars. That is 580$ a week and maybe your saying I want to go on vacation. I cant go because vacation cost 2000 all inclusive and I cant save that kind of money. You consider all the things you can cut out, you'll stop getting your nails done you'll stop eating out and eventually u will have enough to go on vacation. The issue with that is we go on vacation and have fun then go back to our ways of spending prior to belt tightening to get to the vacation. We never considered hey I could just not get my nails done and I can just not eat out at all and my budget can get used to that money being a constant. We never say instead of taking away from myself why don't I turn my spare time into dollars? Why not work some extra hours to create the extras in my life? Maybe you invest in yourself by making your spare time profitable instead of wasting money. My mother always used to say you go out of the house for two reasons 1. To make money or 2 to spend money. Most of the time what we are doing in our spare time is the difference maker. We are wasting a lot more time than we like to admit or agree too. 24 hours in a day for most adults 8 hours are used working and approximate travel time is 2 hours u can get 8 hours of sleep and still have 6 hours of time that you can never get back. 6 hours in most cases is being used wasting money or time. What if we decided we were going to cut back on wasting time instead of saving minor amounts of money? Realistically speaking if you saved 5$ a day it would take u a month to make 100$. If you got a part time job it would take you only 15 hours or less depending on what the minimum wage is where you live. You could save all of your loose change or you can just recycle. You could shop less or you could use reward points cash back offer apps clip coupons and shop smarter. You could tell yourself; you are going to quit hanging out and shopping or you can give yourself a comfortable amount of money to use toward said activity. Here it is, what we want and what we require in most cases are not the same and most of the time we allow what others have tell us what it is we need and then we make unrealistic over challenging goals for ourselves to commit to when really we should be making promises to just be better humans no matter how much money we want. If we worked on being better humans we would be shocked at how much money we saved because we are going to walk into a season where what we require to be whole and fulfilled will me much less, directly equaling to us needing less to finance our happiness and desires. After a while of responsible living and responsible money spending we find those financial pitfalls are further in between. We discover we are able to feel comfortable when we swipe our cards and even better we get to a place that our money begins to work while we are asleep or working on other streams of income. Once we see these levels the days of cutting back on lunch to make ends meet are over.
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May 2019
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