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I find that many people wonder why they don’t have any money. Or they wonder why they are always broke and barely living paycheck to paycheck. I heard something like 70% of Americans live like this.
I know everyone has their excuses on why they are always so broke. There are a million reasons and excuses I hear from people that just can’t pay their bills and save any kind of money. But there are two main principles of money that you need to live by in order to get out of your financial rut.
Before I get to that I want to talk about dieting. Most people are always on a diet, myself included. Or they just watch what they eat for health reasons or they just don’t want to get as big as a house. There are a million diets you can try and I have tried many of them. My friend always says ‘diet is a four letter word’. Ain’t that the truth.
During the times where I am watching what I eat, I know there are two sure things that always give me the results that I want. Eating less and exercising more. Ta da!! That’s the secret for losing weight. Rocket science, right?
If anybody wants to lose a few pounds, just follow those two rules. Eat less and exercise more. If you just did those two things, you would save so much time, effort and money trying other trendy diet plans that basically tells you the same thing. But they sugar coat their information so it sounds better and more effective to the average person.
People like trying new things. They don’t want to hear the same old ‘eat less and exercise more’ spiel. It’s boring, bland and they just don’t want to do it. All the dieticians have picked up on this fact and developed diet plans that trick people into thinking they are doing more than just eating less and exercising more.
The fact is, just doing those two basic things will make you lose weight. I know some people will read this and say, ‘I ate 8 meals a day and I’ve lost weight’. Yeah, I’ve been on that diet plan also. Its 8 small meals with no carbs and you need to eventually incorporate some exercise into your routine to maximize your results.
When it comes to having more money, there are also two basic rules that need to be followed. Make more and spend less. Ta da!!! Brain surgery, right? It really is that simple. But people are not simple, they tend to overcomplicate even the most simplest of things.
If you have a crappy paying job, then find a better paying one. If not, then get a 2nd or 3rd job on the side. Or do some side hustles. There is always a way to make more money. But people make excuses or have too much pride to do things that they don’t want to do. These people also have enablers in their lives. So other people will make excuses for them and therefore they will just keep getting away with their irresponsible behaviors.
Once you figure out how to make more money, you will also need to spend less. Does it make sense to make more money and spend more than what you take home? Of course it doesn’t. That’s how people end up broke. It’s the same thing as eating a bag of chips while you’re running on a treadmill.
Making more money is not enough. You also need to control your spending. There are a ton of ways to cut your spending. You should start by eliminating everything that is a want rather than a need. It’s very simple to determine this. Just stop spending on things that you can’t live without. Literally. Such as food, water and shelter.
But many of you make more excuses on why you need this, that and the other. People just need more perspective. Google how people in developing countries live. See what they have in their homes or huts. They barely have anything and they tend to be much happier than us. Align yourself with these people and you will be grateful for all the things you do have. It may also help you realize that you don’t need most of the crap you are spending money on.
If you make more money and spend less money, guess what? You will have more money. If you master those two basic rules of money, you can pay down your debts. Save more and invest towards your retirement. And you will eventually achieve financial freedom.
Everyone needs to start somewhere. If you are struggling with money then you must learn and master these two basic rules. Otherwise you will just never get out of the vicious cycle of always being broke. It will not happen overnight, but you need to plant these two rules somewhere in your mind. You need to practice and live by it.
Once you start getting into the routine of making more and spending less, you will finally be on the right track into living your best financial self.
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