I didn't really know this until the other day. I thought January was national go on a diet month and break your resolutions month. But again I was wrong. And it does make sense. One of the most common New Years Resolutions is to get out of debt or save money.
So because I am so sweet I went out and found you all a great book on getting your finances in order. The Joy of Finacial Security by Donna Skeels Cygan.
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So because I am so sweet I went out and found you all a great book on getting your finances in order. The Joy of Finacial Security by Donna Skeels Cygan.
Donna
Skeels Cygan takes a very pragmatic approach to managing money. She
says it has only one truly important
purpose happiness. All else is secondary.
purpose happiness. All else is secondary.
Money can't buy you love, but it can make you happy, she says. Her new book, The Joys of Financial Security, is
dedicated to helping people learn what they need to do get their
finances in control so that they can really enjoy what life has to
offer.
Taking
control of your finances is not rocket science. With a few simple
steps, everyone can improve how they feel about their finances. The most
important single step you can take is this to simply more money.
Research
shows that happiness is rarely a matter of how much money you spend or
what you spend your money on, but rather it is how you spend your time
and with whom. You have the power to choose what you do with your money. Having a healthy relationship with money increases our happiness. Your
attitude towards money colors the way you look at the world. Here are
just some of the simple straightforward actions you can take to get
control of your financial security and adjust your attitude towards
money in a major way:
Step 1: Determine Your Net Worth Today: Youll
feel better right away if you first make a list of all your worldly
possessions. Simply list all of your assets. Then do the same with all
of your liabilities (another word for debts), and then subtract the
liabilities from the assets. Write it down.
Step 2: Determine How Much You Can Save. Set a goal. Are you putting away a certain amount of money? The
more you save, the happier you will be. If you dont save anything,
start with your next paycheck. Commit to saving 2% this next month.
Commit to raising it steadily and gradually to 10%. Ultimately increase
what you save to 15% and even 20%. Once you get started, you will find
it is much easier than you expect. Do it.
Step 3: Control the Controllables. Focus on deploying simple, breakthrough saving strategies. To create money, stop spending it. Reduce your expenses in every area of your life. You
can control what you spend, whether you live within your means, and
whether you pay off your credit card every month. You can control what
you eat, where and how you go, and who you spend time with, and how you
spend that time. You can control how much you contribute to your
retirement plan. You can control how many shoes you own, and how much
you spend on restaurants, movies, travel, vacations, the cars you drive
and the home you live in. Just do it.
The more you save, the happier you will be. The simple steps you take will drastically improve your finances.
Recognize that money does not buy happiness, but it definitely impacts happiness. Focus
on more than just the money: choose experiences with family and friends
rather than buying more stuff, learn how to control the
controllables, and focus on gratitude. Stop keeping up with the
Joness, step off the rat race treadmill and watch your happiness grow.
Pretty great right? Well I am going to make it even better because I am going to giveaway a copy of this book. I know I am just giving stuff away left and right but I want you guys to know how much I value you all and so getting something nice and useful once in a while is a great start.
Enter below and be sure to tell your friends.
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