Behaviors Archives - Page 3 of 7

Financial Ponderings

I want to give you a few of the financial ponderings I was thinking of during lunch yesterday. These will never change as Americans are fully integrated into a system that is not beneficial for the average person. I hope many of you will learn a few things from reading these tidbits and just stop to think that maybe there is a better way to live life.

Granted we all take risks in life for instance if a stock you owned dropped a few dollars, and you cashed out. But if you are constantly signing on the dotted line for loan applications year after year, then you are destined to live a life of less abundance. By overspending on products and getting services above means is a lifestyle that is never good financial sense.

By discussing the financial ponderings and then acting responsibly by your money any reader will transform into a super informed financial mastermind. Who can decipher any financial pitfalls like a spelunker for the money life we all lead. If done right The ups will be tremendous highs, and the downs will be easily stress free as we can cover any emergency due to the financial smarts and cash hoard we have stashed by not being victims to these interest rate trickery by the banking institutions.

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Not the Average Definition of Stuff

Not the average definition of stuff

Do you find that your house is full of stuff that is just lying around, for the most part unused and collecting dust? This is unfortunately the norm for most Americans, because we love to buy, purchase, acquire, and lastly procure stuff.

Hey everyone all of that stuff will not make you happier, it just takes up space and energy. I will show you a few awesome, not the average definition of stuff, to make you laugh.

In 2014 the average American adult is predicted to spend about $700-800 dollars for Christmas gifts aka they will give away a bunch of stuff to friends and family. When you multiply this amount as a nation that figure is around 600 billion dollars. (Begin awkward hand clap)

After you read these, you might think to yourself I really don’t need all this stuff and can now focus on living a simpler life.

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Financial Champion or Financial Wimp

The premise behind the financial champion or financial wimp is to decipher where anyone who is currently employed is excelling or falling behind everyday with money matters.

There’s not much info out there on actual facts whether someone is a financial champion who makes all the best choices with money or a financial wimp who squanders money. (PF Bloggers Excluded) The financial wimp is inclined to make excuses behind each and every financial choice they make. It can be blamed on several factors like not making enough income, not being able to avoid debt, not sacrificing for immediate gratification, etc. Let’s make an effort to stop all the excuses.

Now where the grass on the other side is usually greener or at least appears that way. The financial champions are the folks who constantly strive to do the best for their finances without any mental barriers or #excuses. They fund 401K to the best of their abilities, they have a Roth IRA and fund that as well, they understand the value of money, they take choices regarding money not lightly, they brown bag lunch in order to pay debt off sooner, and they understand happiness does not come from buying everything that glitters.

Now let’s discuss what traits distinguish the two polar opposites of financial people. I am not trying to put anyone down or praise anybody, but there is a truthful way to live a dedicated money life. See below for the awesomeness.

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How can Will Power affect your Finances?

how can will power affect your finances

Can having weak or strong will power affect your finances? I believe it can and if you struggle to maintain the will power to say no, then you can ruin yourself. Just like the person struggling with over-eating, they know they must eat better to stay healthy but they have low will power to change. Finances are the same because people with weak will power for the most part cannot say no to adding new debt, living above means, splurging on wants. Yes I might be striking a nerve with some readers because they are full of excuses behind the ability to modify behaviors. But I am doing it, to show you how money can be broken down to simple choices like facing your inner willpower.

I speak with purpose because I see it everyday many people not facing their ability to say no or adjust lifestyle to current life situations. Somebody wants to lose 40 pounds but then they continue to eat the daily bagel with cream cheese. They want results but then do not hold their actions accountable. (It boggles my mind the lack of focus for will power) For example somebody who wants to be debt free, but continues to live life adding new debt. Having willpower is so transparent to me, but not so easily understood by others. I am always eager to share my thoughts with all of you, and I want you to have strong will power. How can you begin to have better will power?

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The Reason People Subconsciously Do Not Save Money

The reason people subconciously do not save money — Once we’re gone we cant enjoy anything, but that shouldn’t hinder your thought process about savings today.

Why do most people find it difficult to save a dollar? I think I found the answer and it will either speak a sense of truth in your life or you will dislike what I am about to say. This idea was created by speaking to certain people who constantly say you can’t take it with you to the grave. Do they really justify not saving because they think they will die soon? Also by watching the show the walking dead, where walkers roam aimlessly around the planet. The reason people subconsciously do not save money is because a part of all of us has that little feeling we might not be around to enjoy it. I can’t believe I actually said that and I will probably get some flak for it. We all have a live in the present, as happy as can be mindset because we might not be around to enjoy it.

The second reason some people do not save money, and I will save this topic for another post, is that the government will find a way to take our retirement savings. If the government takes our retirement savings, believe me we all will have greater issues than just money at that point. Can we say Anarchy at that point in time!!! We great citizens of the USA make on average about $100-150 dollars a day and we cannot find it in us to save $5 dollars per day. Why is that so? Do you ever question in full reality why Americans have a government reported savings rate of about 5% or less. If you do question the reason people subconsciously do not save money could it be because of thoughts based about death in your opinion? (Morbid yes- truthful Heck yes)

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Can you Define Happiness?

What are the best things that make us happy? A simple question that many can answer, if they can take a brief moment to think for a second about what are the magical things that make us happy. If you can think back to your younger days were you happier then or now? Can you define happiness? Not the past or the future but the present happiness that is engulfing your life. LOL.

I’ve noticed a big movement on the finding happiness bandwagon from blogs, documentaries, and now a movie is about to be released based on this subject. (Just saw the trailer last weekend) At the core of the topic many people ask the question, what makes you happy? Do they want to know answers as it will solve a mystery based on this discussion, because everybody seems miserable? Maybe they are looking for a rabbit in a fox hole? Happiness is not something you can whip up and serve on a platter. It is a realization as to how you view life in the current state, with no past regrets and a sense of making the best of every situational moment going forward. This is happiness defined in my opinion. Now let’s discuss this topic further below and talk a bit about my personal happiness activities. The next few phrases I will express what makes me happy.

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How to Avoid Living Paycheck to Paycheck

I know you probably read at least one thousand fantastic articles about the abundantly used topic above. It was most likely based on helping anyone struggling with money avoid living paycheck to paycheck. Can people read this fantastic article and say, that’s it next month I will not live paycheck to paycheck? While many of the tips and strategies the person took away from the publication can be implemented. Is it safe to say that many people cannot make the behaviors stick? Which results in the past paycheck to paycheck life being repeated again in the future? Granted ideas are a dime a dozen and it is up to the person who wants to improve to make the ideas stick.

The purpose of this post is to get you to a think of the why reasoning behind the lifestyle you dislike, and move you to another lifestyle. If you can’t understand the why, then you will not take action. Without action nothing changes.

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The Financial Benefits of Walking

Did you ever consider how many financial benefits out of walking you can get? Besides the health benefits walking can provide you so much more that people can extract from the simple act of walking. I walk everyday about 1 mile, and it helps me refresh my mind. For example if I am stressed over something the walking helps. Also if I am feeling mentally tired by a task at work that is getting very repetitive, well walking helps with this situation as well. It’s safe to say anyone with the right mind frame and with an able physique understands the awesomeness of walking. Now let’s focus on the money side of walking and how the heck it can help you out as well. See below for 5 tips on the financial benefits of walking.

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