If you're reading this, I'm earning money. Thanks for helping to feed my family. Please see our disclosure for more information. Also, any advice provided is for informational purposes only. I'm not a CPA, lawyer, or doctor, although my parents wanted me to be all three. So, talk to a professional before acting on anything you read below.
So, you want more money. Join the club, right? Who doesn’t want more money?! However, the problem with most people is that they talk about how they want more money, while doing absolutely nothing to get it. They might play the lottery occasionally, but that’s hardly a positive or guaranteed way to work towards having more money and a more secure future. Newsflash: winning the lottery is not the only way for you to get more money, so stop saying that it is! You can absolutely make changes to the way you live now in order to have more money, and there are even ways you can use your skills and intelligence to bring more money in each month. Seriously. All you have to do is a little research and try things out. Let’s talk about it in more detail below:
If you’re not tracking everything you spend, chances are, you’re wasting money in one way or another. You should know exactly where your money is going. Once you start tracking what you spend, you can make changes. You might realize that you’re spending too much on eating out, or other non-essential items. Having a small budget or giving yourself pocket money is a good way to overcome this and ensure you’re maximizing the rest of your income in ways that are far more productive.
If your in debt, it’s a good idea to pay these off as soon as you can to avoid extortionate interest rates. Find a way to pay these off that suits you so you feel motivated. Your mortgage is a pretty big debt, but if you’re having trouble with your mortgage you can hire this attorney to get loan modifications and stay in your home, rather than losing everything you have worked hard for. There’s always something you can do if you’re struggling with your debts.
If you feel like you don’t have enough money, whether that’s true or not, chances are you’re in a lack mindset. When you’re in a lack mindset, you tend to make poor decisions regarding money and do not appreciate the cash that you have. Chance your mindset and you might change your life!
Being frugal doesn’t mean struggling. It means being smart. Look for discounts and coupons, look for better utility deals year on year, and use cashback sites.
Passive income streams mean you can put little effort in and make money while you sleep. You may need to put more effort in in the beginning, but once you’re set up, e.g. if you decide to write and sell eBooks, you’ll be making money on that one piece of work over and over again. Look into your options and test things out. This is how people become wealthy in the long term, but you have to be in it for the long haul - it’s not a get rich quick scheme.
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