Every person, no matter where they find themselves financially, has the opportunity to change their situation for the better. I will set out below a simple step by step plan that anyone can follow to lead them to a financial level at which they are comfortable.
For you to start out on the path to financial freedom four areas of your life will need to be addressed: Your debt, your income, your goals (dreams), and your self. Let's start with the nasty one first -
1. Your Debt.
OK, here we go.
The guaranteed all time No. 1 solid gold method to reduce debt and, in fact, never need debt in the first place is something I call "The SSM Method". This is going to knock your socks off!! If you adopt this method from right now I absolutely guarantee your life will show financial improvement from this moment on.
This is a tough method. It looks easy if you say it quickly and kind of move on to another topic real fast. I'm going to tell you most people today will fail at this one, our first step. I told you it was the nasty one!
OK, get a hold of something solid - I'm going to reveal this secret of controlling debt now.
The SSM in The SSM Method stands for...............STOP SPENDING MONEY.
That's it. Period.
I want you, from this moment on, anytime it comes to the moment of swapping YOUR MONEY from your pocket into someone else's I want you to stop! I want you to think. Do I really need this? Is it totally necessary to my survival? Can I get a cheaper one? Can I live without it altogether?
Don't waste. Drive slower - don't waste petrol. Switch off the lights when you leave the room. Eat a little less - we can all do that and improve our looks and health as well. You get the idea now. Lower the size of all the hundreds of individual expenses in your life and your bank balance will begin to make you smile again. Start to enjoy a simpler lifestyle - believe me, it has many benefits beyond just the financial.
Begin to analyze your expenses. Find the cheaper products and services. They are out there. You just have to motivate yourself to find them. Tricky. Yes, I'll repeat again, I did tell you this was the nasty one. I find a bigger bank balance can always motivate me though and I bet just the thought of it will begin to motivate you too.
Use the money saved to begin to clear your debts. Start with the smallest debt first. Clear that, then add the payment you were making to the next debt repayment (snowball) and so on till all gone. It may take a while but just starting will give you a smell of the victory that awaits you.
The good news is that once you get used to it you'll really love this step. The reason is you get to see results from day one. This spurs you on to the other three steps.
Next time - Your Income
A quote for you: "It's not your salary that makes you rich, It's your spending habits." - Charles A. Jaffe
Highly recommended reading: The Credit Diet
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