Live below your Means

We live in a world of instant gratification. The moment you see the newest version of I-Phone, you want to go for it. Even if it would mean that you ought to pawn your gold chain or scrape out the last saving or worse still, run your Credit Card in negative balance.

This is the mind set of every individual today. People are all craving for instant fixes, new clothes, new shoes, new jackets, new perfumes, new hairstyles, new accessories that is released every fortnight. It is estimated that if all of these unwanted expenditures made by an individual from the age of 19 to 29, were credited into a saving account, he or she would have sufficient cash to make a down payment for a reasonable look flat in a decent suburb. But who would bell the cat?

It is said, often it is not the eyes of others but our own eyes spell our disaster. At least this is true when it comes to Instant gratification.

Let us see what a young man wears on a normal day

He sports the best special edition Buffalo all blue top and bottoms, wears the trendy, Converse All Star shoes, and to go along with, the best fragrance sting, Playboy, that would make all the ladies in the town to follow him all the way to his den [at least this is what he thinks]

Total cost involved = $1500 , inclusive of some jewelry accessories.

The question to ask here would be, where did he get that money. For he is merely a college attending lad, and to have that type money is not a joke. The saddest truth is, he took from his parents. There was a time, America was known to be the land of individual independence and freedom. Freedom that youngsters embraced with responsibility. Today, most of the youths don’t want to leave their parents house.

They live there, thrive there, and to add to all these woes, they rob them out of their hard earned monies. This is sad, but it is right now happening all over America. Youths, don’t want to venture out and fend for themselves. They prefer to stay with their parents, and in most cases get transformed into a Blood sucking Parasite.

Young or Old, reading this, hear this out

Your life is what you make out of it. Just like a Canvas at the hands of a painter, so is your life. Given to you in full measure, and with all the things that you would need to make the best out of it. Yes, you heard it right.

The Creator has given you everything you would need to make your life the very best. Of the many things that you can do to make your life splendidly wonderful, we wish to start of with the first and indispensable quality. Which is, learning to live below your means. Of course, this is easily said than done, but yet still, if done, will pave the way to a greater bliss.

Those Sunshades and all blue Jeans won’t get you laid

Of course the guy next door has bought this lovely looking pair of sun glasses, and it looks so cool that girls would follow this guy. There is just one problem with that. This is your assumption, for to tell you the truth, girls do not go Looks, just like guys do. For the moment a guy sees a beautiful girl, his visualization kicks in. In no time he is in Paris, in a hotel room, naked, and down below the girl, making her cum.

The Saddest truth is, Girls don’t operate that way. At least the ones in the scales of 8’s and 9’s. There are other things that are required in getting them to bed. Of course we leave that out, for our intention here is to teach you, how to become Wealthy, and not how to get laid. Of course, for sure, getting Wealthy will increase your sex life, and that is a different subject which we shall discuss later.

Now coming back to the sun shades and the girls myth, if you were to just think for a moment that life is more than burning up your Credit Card or squandering your rainy day saying, and that it is not about going for these quick fixes but to stay focused on your purpose, then for sure, you have achieved the very first Victory in life.

Every time when these urges come, if you were to rise above the mortals, then you build within you, a Stronger you. For every penny saved, you are one step closer to your freedom.

Open a Piggy

Every time you want to buy a product that you love and admire, just refrain from doing that. Instead, scale your interest down and go for the ones that are either on Sale or have a price that is at least, 30% lower than your preferred product. Now when you do that, you are automatically saving those precious 20-30%, on one single product.

So what are you going to do with that saved 20 or 30%. Start saving them in a Piggy. Every time you venture out to shop, remember this principle. Always look for deals. And after every deal, drop those saved coins into the Piggy. It might not be large to start off, but remember, small drops make up the Ocean. So, continue this always. A day will come that the money saved would be so much that it would amaze you.

Don’t Blow your Tax returns-refunds

This is for those who are already in the work force. For sure every year you will get a fairly decent sum as Tax refunds. Most would simply blow this sum out, either on Vacations or on booze parties and dresses. Most never even take time to stop and think for a minute, what would happen if they only were to accumulate this sum for the next 10 years? Again, planning is very critical. Without planning, specially financial planning, most would end up dead broke by their retirement age.