Probably you earn a lot as a small business owner or you have a high paying job but it seems that the earnings you get seem not enough to cover your daily needs thus you resort to borrowing and in time you find yourself in debt. It is so embarrassing when you who have such earning capacity is actually in debt.
Probably you need to change the way you look at how you handle your finances.
We say we don’t have time to get enough sleep and we end up sickly but the reason we don’t get enough sleep is because we pre-occupy ourselves with other stuff because we think these things are more important or will give us joy. We work hard day in and out so that we can buy what we wanted and what our love ones wanted but have forgotten that what is really needed is your time with them not the things you buy that will take your physical presence.
Below are the 10 list and some thoughts that might help you in thinking and redefining what is really enough.
1. Redefine enough. Your current definition of enough
may be more than you think. Do the simple
counting exercise below and see what is really
enough for you and your family.
2. Learn to say no. You may have to turn friends
down for a dinner out, tell your kids that they can’t
have designer handbags in high school, or make
other unpopular decisions.
3. Put people before stuff. Before you stop for lunch,
drop by the mall or “pick up a few things” at the
grocery store remember what your family really
wants. They want YOU. If you spent less, could
you work less and spend more time with the
people that love you?
4. Put moments before stuff. Running outside with
my husband last night to watch the storm clouds
come in was absolutely free, and more rewarding
than anything I could have purchased.
5. Stop trying to measure up. Someone will always
make more than you, have more than you and do
more than you. So what? You are beautiful and
wonderful. Be you and stop comparing.
6. Don’t stock up. If you buy wrapping paper on
December 26th and stock up on sale items year
round, you are spending more than you would if
you just bought what you needed. Don’t be fooled
by the cashier that tells you, “you just saved
$22.00″ when you just spent $300.
7. Stop using a credit card. Debt will follow you
forever unless you stop using credit cards. The
8. Write it down. You might be too busy and stressed
to think about what you really want out of life.
Write it down and read it every day. “Live by the
beach”, “Start a new business”, “Put kids through
college with no debt”, “Move to a new country”.
This is your why. Knowing why will give you
momentum. Knowing why will give you
perseverance. Knowing why will give you the guts
and grit to take action and live the life you desire.
9. Realize you ARE enough. If you could be happy with
you, you could stop overeating, overspending, and
over indulging. Once you know you are enough, you
can realize that you have enough.
10. Identify your source of happiness. A new shirt will
not make you happy for long. In fact, I can’t think
of any material thing that makes me happy
everyday. Instead it’s the things that you can’t
own. Children’s dimples, a dog rolling over for a
belly rub, jumping in the ocean, climbing
mountains, stretching, kisses, gratitude. Those are
the things that happiness is made of.