It’s past midnight but you’re still wide awake.
You can’t seem to get much sleep these days.
Bills. Bills. More bills.
Your income seems to just disappear in bills. How to make ends meet has become your biggest worry. How are you to put food on the table?
You’re living from paycheque to paycheque.
You worry about losing your job when you have one. You worry about getting a job when you don’t have one. Somehow you never had anything to show even when you did make money.
You carry this huge weight around day and night. Your money worries are gradually having a toll on your health. You’ve spent years stuck in lack, scarcity, fear and ended up in debt.
Here comes an unforeseen expense. How are you going to pay for that now? How will you be able to buy some of the things the family needs? You’re constantly juggling bills, working out which one to pay first. You’re terrified of the entire thing crashing down at any moment.
You want to live instead of always worrying and being stressed when a letter comes, when the phone rings, or when there is a knock at the door.
You’re feeling overwhelmed with your finances today; could it be a spiritual attack?
You grew up in a home with a negative mindset. You’ve lived with a scarcity mindset for so long. You have no savings and no plan for retirement. You do not have much financial stability.
You were never taught about money, let’s not even talk about wealth. You just want be free of financial worry and live life more in balance. A normal life that’s what you really desire.
You just want a way out so you can finally get out of your bad living situation. All you really need to know is how to attract wealth and financial abundance. You love to have limitless financial resources flowing to you with ease.
You’re scared of the future.
But you don’t have to be.
All is not lost.
This situation can be turned around…
Others have done it before.
That means you can do it too.
You want to know how?
Change the way you think about money one thought at a time.
Yes, you need to change how you think about money.
You need to eliminate those thoughts that got you into trouble, into debt.
You need to get rid of them one at a time.
You need to replace them with new thoughts, powerful thoughts, thoughts that will lift you out of financial limitation and debt into financial prosperity.
The truth sets you free.
It’s such a huge step trying to develop a better money mindset, so that you can have a brighter financial future.
But all you really can do is change one thought at a time and take one step at a time.
You’re confident that this is the right direction to go.
You’re confident that this is the path to freedom.
You believe that this will create for you a strong financial foundation for your money mindset and for your future wealth.
But you really do need to know how to get from where you are, to a decent retirement.
You want to start to receive abundance and build your wealth in a way that would be sustainable, a way that would last.
Follow that voice within that tells you: “This is the way, walk in it.”
When you are financially free, you are truly free to do what you really want to do. You are really free to do what you were created to do.
It means you’re no longer controlled by those who pay you or those whom you owe. It means less stress about survival. You’re no longer in survival mode, you’re really able to live your best life NOW.
It means to be able to follow your passions, follow your God-given dreams.
Embrace the Forgotten Miracle Money Worry Buster…
Yes, you’re in a hole, but you need to stop digging now.
1. You need a plan to get you out of financial trouble.
2. You need the dedication to work that plan.
3. You also need to embrace the Forgotten Miracle Money Worry Buster.
I’ll tell you about this money worry buster soon.
Now, let’s take a quick look look at the 7 vital ingredients that need to go into your plan.
You need all 7 of them otherwise your plan wouldn’t really work.
They also represent the 7 steps that you will need to climb out of financial trouble into financial abundance.
You can start climbing today, into a more secure and successful financial future.
The future is really bright, but you must begin to climb…
These are steps that will ensure that you do not have to worry about your financial future, any longer.
These are steps that will lift you out of financial stress to financial peace and abundance.
These are steps that will lift you to a better place.
But the plan will do you no good unless you’re going to work it.
Step #1: Set Your Financial Goals
When you don’t know the purpose of a thing it’s open to misuse. When you don’t know the purpose of your life you tend to misuse your life. Things begin to go wrong because you don’t know the purpose of life or know the governing principles that make life work. Before you realise it, life is upside down. Rather than having money work for you, you find yourself slaving for money.
Money is a servant, one that you send to accomplish a particular goal for you. The purpose of money is to help you achieve your life goals. But when you don’t know your life goals, it’s difficult for money to be of real value to you. It’s difficult to get money to work for you.
So, instead of money working for you and you end up working for money.
It’s time to change that.
Discover your purpose. Clarify the main goals that you intend to achieve through life. Some of these goals will be short-term, others medium-term and the rest will be long term.
List your goals.
Allocate a financial budget to each one.
How much would you need to accomplish that goal?
Some short-term goals may include: attending a course to upgrade your skills, buying a new car, visiting family abroad or going for a mission trip.
Some medium-term goals may include: saving to buy an investment property, or to start a business.
Some longer term goals can include: saving for your children’s education, or investing for retirement.
You’ve got your goals listed.
You’ve allocated how much you need to achieve the goal, money wise.
You need to write a date when you need the money.
Finally, you need to identify where are you going to get the money from.
Is the money going to come from your current salary? Are you going get a part-time job to fund this? Do you need to start a side business to accomplish your goals? Or do you need to invest to make sure that your goals are achieved?
Most people struggle financially because they do not plan. And even those who plan, don’t allocate monetary budget to the goals on their plan. And those who allocate a monetary budget to their goals often don’t think about where the money is going to come from.
Can you see why many people end up with money worries and never achieve their life goals?
Step #2: Take stock
Whenever you find yourself in a difficult situation, the first thing you want to do is to stop everything you’re doing and take stock of where you are.
When things are financially out of control, life can be extremely stressful and overwhelming. You may not know what you owe, or who you owe.
One of the first few things you want to do is to take stock of your assets and liabilities.
The difference between your assets and liabilities is what is called your net worth. To be more specific, your financial net worth. This is what you are worth financially on paper.
The funny thing is that you may have financial debt, but your net worth may be positive, that’s a bit of good news isn’t it?
What you want to do is to keep on increasing your net worth.
You want to see your liability column go down and down, and your asset column go up and up.
One way of doing this is to start paying off your debts, if you have any.
Another way is to systematically increase your assets.
A lot of people erroneously use their salary as an indicator of what they are financially worth, this can often be misleading.
The difference between your financial assets and financial liabilities is what you’re financially worth.
Step #3: Scale Down Your Lifestyle
Cut down your expenses.
As a society we’ve been brain washed.
Engrained in the DNA of the current financial culture is instant gratification.
The benefits of spending wisely now, or rather, investing wisely now so that you can have something to enjoy later, has been gradually and systematically eroded from the collective consciousness of the people.
A culture that breeds debt is widely advocated.
You need to recalibrate your mind and your thinking. You need to adapt a different money philosophy, a different of way thinking, one different from how the general populace is thinking.
Such as: spending and investing wisely now so that you can have something to enjoy later.
Look at your lifestyle, how can you scale down your life? How can you cut out unnecessary expenses? How can you cut out waste?
Do you eat out a lot? Well, if you do, you can save a lot. Why don’t you start eating healthier home-made food or carry a packed lunch to work? Think about it, the price of a sandwich costs more than a whole loaf of bread. You can get by on what you pay for one sandwich the whole week.
Scaling down your lifestyle may look like this: investing in classics, that never go out of style. Theses are clothes that you can wear year in year out, and still be in great style.
Compare this to buying all the hyped up fashions that go out of style as soon as one season goes out.
Planning before you buy can help you take care off all these spontaneous money guzzling shopping sprees, that sabotage your financial future subtlety.
Don’t buy anything unless it’s already on your plan!
But sometimes all this money pinching can take the joy out of living, making you end up sabotaging this whole strategy for getting your finances in order.
So another way to approach this is to make all your planned necessary savings and payments first then enjoy what is left. You can still achieve the same financial results if you want. And if you find that there is so much to enjoy after all your savings and payments have been made, simply increase your savings. Take things up a notch.
Try doubling or tripling your savings goal. You feel a great sense of achievement when you see your savings grow. Financing your future is a far much better option than financing your waste.
You need to save as much as you can, especially if you’re starting late on this plan.
It’s much better for you to make the choice to scale down your life and get your financials back under control, than having this option forced on you in the near future or at a later time in life.
If you don’t start making these changes now, nothing will really change.
Now, start using your “waste” to finance your future, starting today.
Step #4: Maximise Your Earning Capacity
Another strategy for getting rid of your money worries is to maximise your income.
One reason why a lot of people face financial difficulties is because they are under-earners. They’re earning far below what they need to earn or their capacity to earn. They’ve not mastered the art of maximising their earning capacity.
There’re several ways of increasing your capacity to earn.
It could be to look at your skill set and expertise then work with what will bring in the highest income.
It could be to attend a program to add to your current skill set or knowledge base so that you could qualify for, and attract a higher pay.
If you’re self-employed, it could mean not leaving money on the table, and selling additional products and services to your already existing client base.
If you’re employed, it could be to work towards a promotion or ask your boss for raise.
However, I would say that, it’s better to do things that you have total control over if you are really determined to increase your income so that you can get rid of your money worries.
Trying to get your boss to give you a raise or trying to get that promotion is very much dependent on the dynamics and limitations of your workplace. They’re not totally dependent on what you can do.
So rather than limit yourself to disempowering solutions that put you at the mercy of others, also think about using strategies that give you more control over your choices in life and your financial future.
You may wish to sublet your spare rooms and bring in an extra income, so that you could do without having to exchange your already limited time for money.
You may wish to get a part-time job to supplement your full-time income.
Starting a side business is another option. At least you are investing your time, skills and expertise in an asset that could potentially work for you far beyond retirement age.
You can simply take everything that comes in from your second income and third income and direct this towards your savings, debt elimination and longer term financial goals.
It’s time for you to stop working only for others.
It’s time to start putting a little something aside for your own future.
It’s time to start your own business.
It’s time to start building something for yourself too.
Step 5: Save for an Emergency Fund
With more money coming in, you have more to save, not more to waste.
Now let me tell you about The Forgotten Miracle Money Worry Buster.
Remember, I mentioned this to you earlier?
It’s been used by many to eliminate their money worries, get out of debt and build their wealth empire.
It’s simple to use, but not many discipline themselves to use it.
It is: the miracle of paying yourself second.
Give to God first: acknowledged his place as your senior partner in life and business. One way of giving to God who you cannot see is by giving to the people he loves that you can see. Set aside a percentage of your earnings for benevolence – give to family, people in need or a designated charity that actively promotes his cause.
Then pay yourself second.
This is a principle you must never break if you truly want to be financially free. You break this principle, you remain in a finacial rut. Your respect and obedience to this principle will cause wealth to chase after you. This is the: The Forgotten Miracle Money Worry Buster.
The one habit that must become second nature to you.
You must learn to save. Save regularly. Save when you are in plenty. Save when you are in lack.
Pay yourself as much as you can. Increase it as soon as you can. Keep on increasing it, and you’ll see the Forgotten Miracle Money Worry Buster, work a miracle for you too. Pay yourself 3% of your income, 10%, 30% or 50% if you can.
There are several ways of getting into the habit of regular savings. One is to work with your pay calendar. So if you are paid monthly, as soon as your pay comes into your bank account, you set aside what you have decided to save. You take this out of your current account and put it in your savings account.
If you are a salaried worker, this can easily be automated. If your salary is fixed you can easily arrange for a percentage of what you earn to be automatically paid into your savings account just to make sure that you never miss paying yourself.
If you’re not paid a salary and your payments come into your account infrequently, you will have to discipline yourself to set aside a percentage of your income and pay this into your savings account when you get paid.
So what should your first saving goal be?
It’s always easier to save when you have a goal that you’re saving for.
The first goal you want to save for is your emergency fund.
Here you’re saving to safeguard your plan for eliminating your money worries.
Without this fund serving as a buffer for you, you’ll be taking two steps forward and 10 steps backwards. You’ll be putting a lot of effort in but getting little or nothing out. You simply won’t be making any progress at all. Having an emergency fund is a vital element of this plan.
Your emergency fund is what it says it is – a pot of money designated to help you deal with emergencies. This is an amount between 1 – 6 months worth of your monthly expenses.
Your emergency fund is a contingency, a backup fund that you can dip into when any type of emergency arises. The more of a buffer you have, the more peace of mind you have when unexpected financial challenges arise
Instead of relying on our own back up pot of money, we have been conditioned by the system to rely on debt. You are encouraged to use credit cards with high interest rates, which makes it easy to slip into debt and stay stuck in the rut, rather than use your own back up fund, your emergency fund.
Without putting an emergency fund in place, you will find it very difficult to get out of financial difficulty or get into your wealthy place.
Once you’ve built up your emergency fund, you have a certain degree of financial peace that comes from knowing that you have finacial back up in the event of an emergency.
A lot of people don’t get into debt because they make credit purchases, they get into debt because they do not plan not to get into debt, by having a contingency fund in place
Step 6: Save to Eliminate Debt
Once you’ve saved up for your emergency fund, the next goal you want to tackle is paying off your debts, if you have any.
Since you’ve started saving and have increased your income, you have more money coming in to quickly eliminate your debt.
Since you’ve now reached your emergency fund goal, start directing all the money you were using to create your emergency fund towards eliminating your debt.
Before you start working on eliminating debt, make a principled decision not to borrow any more money.
Quit using the credit cards.
Cut them up if you must.
Buy only want you can afford.
After not using any credit cards for seven years, I realised I didn’t really need one to survive.
A credit card is a crutch that you think you need to have, but it’s this same crutch that’s supposed to help you, that keeps you handcuffed, bound and trapped in this cycle of debt.
Save up to buy what you need to buy. This is orthodox advice. It’s been proven for thousands of years to work without fail. If it’s worked for them then, it will work for you now.
The general advice is to eliminate your debt with the highest interest rate’s first, when that is paid off, start eliminating the next.
Your desire to eliminate your debt is only a dream, if all you have a plan and no date to see it achieved. Decide a time frame for eliminating your debt and stick to it.
Decide on your debt-freedom date and prepare to celebrate!
Step #7: Save to Invest in Your Future
Most people save at a low level, or at a low level of reasoning; they just save to save. The financially savvy save on a higher level of reasoning, they save to invest.
Saving is not a goal in itself, it’s a means to an end.
Opportunity comes to everyone, but most times, most people cannot take advantage of the opportunities that come to them. Oftentimes, these opportunities require that you to invest financially.
Saving is a habit that helps to prepare you for these opportunities that come. Without having accumulated some money somewhere, when these opportunities come, you’ll have nothing to invest.
So, once you’ve accumulated enough for an emergency fund and your debts are eliminated, you would have freed up enough income to start saving for your future.
To maximise your ability to save for the future, you will need to put your money to work, you need to save to invest.
As you start to put your money to work, you free yourself up from having to be reliant on a salary, or a JOB and you will have increased your financial security and freedom.
The Key that Eliminates Money Worries
The key that really eliminates your money worries is: The Forgotten Miracle Money Worry Buster.
As you employ The Forgotten Miracle Money Worry Buster to work for you, you’ll start to see your money worries dissipate.
Keep your goal of time and financial freedom before you are eyes, and keep remembering saving is a habit for life.
Remember, if you persist, in due season, you’ll reap a good harvest,
Remember, you are doing this so that you can fulfil your hearts deepest desires.
Now is not the time to procrastinate.
Get on with it.
How much are you going to save this?
How much are you going to save each month?
How much each week?