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THE # 1 LIE THAT WILL KEEP YOU IN DEBT

 

You ever had one of those days?

Yep! We all have!

The days when you can’t seem to get ahead with your money. Maybe you feel overwhelmed got into an argument with yourself thinking that nothing seen to be right. You’ve done everything known to man to get ahead and it’s just not happening.

The good news are you will! 

Yes, you’ll be fine!

The # 1 one of the top lies we tell ourselves about money, and life, is that we’re never going to make it. We’ll never get debt free, never be able to afford a house, never pay off the student loans, or retire comfortably.

But you will.





Now is a great time to refocus. If you’ve had some bumps in the road during the winter, let’s get things back together as we move closer to a new season. Your winter wont last forever, and so is your money issues, they wont last forever, but there are somethings you can do to make that happen specially as you remember that you will have growing pains as each stage of life will require a new you but if you refocus and make changes now it will be worth it.

Here are three things we want you to remember:

1. Your patience will pay off.

The old saying goes “Rome wasn’t built in a day,” and you’re not going to get out of debt overnight either. We’ve helped a ton of people make a plan for their money and get out of debt—from scraping pennyies to some serious dollars. You can be one of them. And once you pay off that final debt, I promise you’ll be so relieved you stuck with it.




2. You’re going to make mistakes.

We all mess up. When we started paying off debt we were everywhere disorganized, no money in the bank and creditors calling Yes, it was embarrassing, but we learned from it and moved on. When you make a money mistake, don’t beat yourself up over it. That’s an easy way to lose motivation and feel like you’ll never get to where you want to be. And as long as you decide that’s not true, then it’s not true! Because, what you tell yourself is more important than what you’re going through.

3. Your sacrifices will be worth it.

You might not be able to go on vacation for a year or two, or you might have to sacrifice eating out for a while. But remember all of that is temporary. And those temporary sacrifices are going to set you up for long-term success. Keep your eyes on the big picture.

Don’t buy into the lie that you’re not going to make it.
You got this!



8 PERSONAL FINANCE BOOKS YOU SHOULD READ

 

There’s absolutely a million reasons why we should read, if you’re like me

you probably spent a good portion of your life reading in the search of value, seeking the type of books or reading material that will help take your life to the next level. Most average people tend to read the news paper, almanac, horoscope and so on etc…

It took me quite a while to discover the value of finance, and personal growth books mostly because of my surroundings. I just did not know that there are people sharing principles that can be apply to anything or anyone and they work.

These are few of the books I’ve read, these books have completely revolutionize my life for the good, their impact in my life is unprecedented!




Ready? LET’S GO!!

    1. The Bible Believe it or not, this is the book that contain the treasure of treasures on life principles and finances. There’s no secret to building wealth, but if there was any you will find it in here.
    2. The Richest Man in Babylon I love this book it is a mandatory a super classic, easy to read and will definitely get you on your personal growth and well building journey.
    3. The Total Money Makeover A very simple step by step guide to being debt free, building wealth, and living like no one else so later you can live and give like no one else. This is another mandatory, I like what Dave has to share here and if you’re coach-able at the end you will be rewarded.
    4. Love Your Life Not Theirs by Rachel Cruze who shares some important money habits and has a lot of experience growing at the Ramsey’s so the stuff she shares here work.
    5. Think and Grow Rich You cannot read personal growth and personal finance books and not read This classic by Napoleon Hill, a little complex but the average millionaire has read it at least 15 times.




6. Money by Dave Ramsey, in this book he breaks down the ideology of how money works, he talks from debt cancellation, to the truth about credit cards and credit score to investments.

7. The Millionaire Next Door The surprising secret of America’s wealthy. This book can change the perspective of how you see the people around you. In this classic we learn the truth of the average millionaire lifestyle.

8. Retire Inspired by Chris Hogan Extremely mandatory like Chris says, when you hear the word retirement, you probably don’t imagine yourself scrambling to pay your bills in your golden years. But for too many Americans,that’s the fate that awaits unless they take steps now to plan for the future.

There you have it! These are some of my very favorites. Now get to reading and feel free to share your thoughts and comments remember that sharing is caring, do frequently come back to check in on me/us. I/we love to stay in touch. God bless :Green:





The Secret To Saving Money

Saving money is not a matter of math. It’s a matter of urgency.


You won’t save money when you get that next raise.

You won’t save money when that car is paid off.

You wont save money when the kidsare grown.

Youll only save money when itbecomes an emotional priority.

We all know we need to savebut mostpeople dont save like they know theyshouldWhyBecause they havecompeting goalsThe goal to save isnta high enough priority to delay thepurchase of that pizzaDVD playernewcomputerthat next vacation or chinacabinetSo we purchasebuyandconsume all our dollars away orworseyetgo into debt to buy these things.

That debt becomes monthly paymentsthat control our paychecks and make ussay things like, “We just dont makeenough to save any money!” Wrong,wrongwrongWe do make enough tosave moneywe just arent willing toquit spoiling ourselves with our littleprojects or pleasuresIt doesnt matterwhat you makeyou can save money.It just has to become a big enoughpriority to you.
Make Saving a Priority

If a doctor told you that your child was dying and could only be saved with a $15,000 operation that your insurance would not cover and could only be performed nine months from today, could you save $15,000 between now and then? Of course you could! You would sell things, you would stop any spending that wasn’t required to survive, and you would take two extra jobs. For that short nine months, you would become a saving machine. You would give up virtually anything to accomplish that $15,000 goal.

The secret to saving money is to make it a priority. But that happens only when you start to feel some healthy anger—or fear—and then focus that emotion on your personal decisions. Harnessing that emotion will make you move yourself to the top of your creditor list. Then ask yourself which bill is the most important. After tithing, who should you pay first this month? The answer is you! Until you pay God first, then yourself, then everyone and everything else, you will never save money.
Advertisers and marketers are touching our emotions every day and taking every dollar we have by making us see our wants as needs. It’s time for that to stop! Emotions make great slaves, but they’re lousy masters.  It doesn’t matter how educated or sophisticated you are—if you aren’t saving money, you’re letting your emotions control your actions. You need to take charge!

So whether you need to save for college tuition, a plane ticket to the family reunion, new school clothes for little Jhon or Mary, retirement, or anything else, start now! It’s never too late!