NOW is the best time
to get a better handle
on your personal finances...
Commentaries expressed by or learned from MoneyCalendar users and Moneywatch clients
Seeing the reality of one’s personal finances is intimidating. Deciding to do something - Just before or after making a big ticket purchase Wealthy people and the not-so-wealthy people have very different approaches to personal finances. Before acting, the wealthy get information and support from professionals - even if they have to pay for it. They know getting information and support makes or saves them money...that makes it an investment, not a cost!
about them is daunting. Fortunately from time to time windows of opportunity do open:
- When financial stress becomes overwhelming
- Upon receiving a financial windfall
- In the quiet of a late evening after a good day's work
- Early on a weekend morning after a sound night’s sleep
The key is to be ready to act when these windows of opportunity open!
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Life comes in waves of financial opportunities and challenges. Successfully responding to them
depends on the financial time frames we choose to live in:
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The not-so-wealthy act impulsively and feel getting information and support isn't going to make a difference, so
to them it's a cost...and that's what keeps them not-so-wealthy.
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Men and women have different perspectives on life and money. They have different responsibilities, interests,
fears and goals and their children’s perspectives differ greatly from theirs. All are in different times and places
in their lives. They're like a sports team that has no game plan, whose members make their own uncoordinated plays and wonder why they’re not winning more! Winning household teams have financial game plans and
happier and more cooperative members because each has input and sees they're all getting a fair share of
what’s financially possible.
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Many lifestyle decisions are made to satisfy the expectations of others: parents, siblings, extended family, friends, employers, co-workers and even adversaries. Their sense of well being is fueled or depleted by the material appearance of our prosperity: house, clothing, furnishings, vehicles, vacations, holiday, party and gift giving, etc., etc., etc. The good sense and courage to satisfy what we, not others, expect from life is the secret to true prosperity.
No one will ever have enough time and money
to have and do everything there is to have and do in life.
Success is balancing what we need and want today with
what we know we’re likely to need and want tomorrow.
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