Do You Own Your Life or Does It Own You!

It is much harder today to be financially fit than it was for our parents. Forty years ago if you did not have money you were simply unable to spend. A balanced budget was easier to have; there just wasn’t the credit that we have available today. You could not continue to spend what you did not have.

Today you can spend money you don’t have with your plastic cards. You can shop till you drop and when you get into trouble the banks are happy to do a debt consolidation for you allowing your debt to keep snowballing.

Most clients say that there is just simply not enough money. They delude themselves into thinking that they just need more income, a change of career or refinancing and all the problems will just disappear. We have a choice as to how much we spend and how much we save. When we do nothing we are making a choice to live hand to mouth instead of creating a spending plan which will take a little work and a little bit of time.

It is not difficult to live on less money than we make; many people do exactly that. There is no other way because if we do not live within our means we will eventually be forced to when we run out of debt consolidating options. Then our means will be greatly reduced by the amount of debt we have incurred.

If we save for what we want we will own twice as much. If we buy on credit we will own half as much because we will be paying so much for purchases – in some cases double!

Our best financial management decision should be to pay for the things that we have already bought and start living on less than we earn. Real financial fitness is about owning our life and not having our life own us!

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