Author: Diana E. Young
|Help - I don’t have the time to manage my finances|
|Monday, 30 September 2013 18:25|
Do you find yourself full of good intentions to manage your finances, but have nothing to show for them at the end of the day? Unfortunately, this is all too common. You may have heard that most people spend more time planning their annual vacation than they devote to their personal finances.
This was one of the reasons I wrote the book Financial Fitness for Beginners (www.financialfitnessbooks.com) because it explains that money management is not difficult, nor is it time-consuming. The ultimate goal is to have your money management on auto-pilot so once you have your finances under control, you needn’t spend more than an hour each month to monitor your situation and make any changes that may be necessary.
The book is divided in to 12 weeks, with only a half an hour a day required for the duration of the program. My recommendation is that you read through the entire book to get the overview. Then go back and do one chapter and the exercises each week. If you need to take two weeks for each chapter that is okay too. Just gets the momentum going.
The important thing is to just take the first step and get started on your journey towards financial peace of mind. Once you get started commit to doing ONE thing per day. (This may be walking by your morning coffee shop, not buying that outfit even though it is 50% off, eating dinner at home rather than a fast food outlet, etc.) At the very least, keep track of all of your spending on a daily basis and record it. This one action is the basis of learning good money management.
The whole program is about going forward….so don’t put off doing the program because of being in debt, or being too busy (we all have the same 24 hours in a day), or because you are afraid to face your financial situation. If you can't seem to squeeze out even this meager half an hour - then get up a half an hour earlier. You can either have results, or excuses, as my mentor Harv Ekkers always says.
Today is a new day and you can take control of your finances.
I welcome your feedback and suggestions for topics for future blogs.
Diana Young #1 Amazon best-selling author www.financialfitnessbooks.com