Even in drastic times of economic hardship people fail to
make smarter financial decisions because they resist change. The biggest concern I hear people say is “I
don’t have enough money for it to make a difference.” If you are saying this you are missing the entire
concept of financial efficiency. If you don’t
have money these ideas are even more important to abide by. Every penny counts.
Only in very rare cases does money just suddenly appear in
your account. You don’t want to wait for
that to give you a reason to start good financial practices. It is time to be proactive. Implementing the strategies found on this
site is how you make money.
Eventually these practices will save you money in addition
to making you interest. It may be a few
cents a month at first, then a few dollars, but free money is free money.
I like to think of it like this. Let’s say you make $4 in interest for the
month. Doesn’t seem like a lot
right? But think about it. Some people make $8 an hour. This means $4 in interest is technically 30
minutes that they wouldn’t have to work.
That’s 30 minutes more with your loved ones, one more episode of your favorite
TV show, an extra-long lunch break, etc.
“Commit to
making the change, literally.”
The key is to start now.
Whenever I speak to someone about this, they nod their head and I ask
them, “What is stopping you from doing this right now?” At that point they have two choices, make a
lame excuse and continue on their current path, or they commit to making the
change, literally. The best feeling is
when I hear from someone a few months later when they call me excited about the
interest they just made just for switching over to smarter banking decisions.
Talk isn’t cheap as some people say. Talk is expensive, because talking doesn’t
make you money. Taking the proper action
will make you money.
So now is the point where you ask yourself, what is stopping
me from making smarter financial decisions right now?
Choose wisely.
If you are ready to make a change, here is a good place to
start http://www.smartermoneymanagement.blogspot.com/2011/04/5-steps-towards-smarter-money.html
