小提示# 1
Becoming financially successful has less to do with how much money you make and way 更与智慧的原则有关. 而不是从电子表格和 a money plan, begin by deciding what type of life you want to live. 问问你自己(和 your spouse, if you are married), "what are my/our main 优先级 in life? 什么指导 原则(e.g., freedom, peace, wisdom, integrity, discipline, 等.我/我们可以吗 做决定时使用? When my mortal life is concluding in the future, will I be able to say that I used my financial resources to live a life full of meaning and 善良，还是徒劳的野心?“重要的事情先做. 我们自然倾向于资助我们的 优先级.
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小提示# 2
There is only one tool you have to make financial progress, and it’s called “Cashflow,” which is the money you have left over after paying all your bills. 现金流越多 您创建, the greater the tool and capacity for financial progress. 花必要的钱 time to (phase 2) develop plans to increase your monthly income and decrease your monthly expenses, both within the context of wisdom. 考虑把一个爱好变成 a source of income or picking up some extra hours or responsibility with increased pay, and go through each monthly expense to determine if it’s the best option and 最好的交易. After creating effective plans, you should have significantly more Cashflow 每个月都比以前多. What should you do with the monthly Cashflow that 您创建? 一次只关注一件事. 通常，我们是可怜的无效如果 we try saving money, investing, and paying off debt all at once. 相反,考虑 (phase 3) starting with putting all of your Cashflow into a savings account until you have enough money that you could survive for one month on your emergency savings. After completing this phase, consider (phase 4) using all of your Cashflow to pay 尽快还清你所有的债务! It’s very difficult to make progress if the banks own 你的现金流，所以尽快还给他们! You will find that putting all of your Cashflow toward one objective at a time creates focus and power that brings hope-filled momentum. Once you are completely out of consumer debt, (car loans, credit cards, student loans, 等.) your Cashflow will be significantly higher and you can continue to more advanced 功率大的相位! It takes discipline and patience, but it feels incredible 拥有财务自由和安宁.
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小提示# 3
Most individuals and families who have financial problems really have life problems 这与债务承诺有关. 你可能是和父母一起长大的 telling you that it’s wise to avoid debt, but why is that? 当你借钱的时候 sign the debt contract, you are obviously telling the bank that you will pay them 回到未来. 有两件事需要考虑. 首先，你可能会使用你的 个人时间和精力(1.e.(你的生活)赚钱. 因此，银行拥有股份 of your future time and energy, or a portion of your life. 这就是债务被称为债务的原因 束缚. Secondly, you probably don’t know what your future looks like. 因此, if you have a debt contract, you signed an agreement so that the bank owns a portion of your future life and you don’t even know what your future life looks like! 那 真的是不明智的! It’s best to avoid debt and pay off existing debt as fast as possible. In addition, if your future income is going to the bank, then you can’t use that future income to build wealth, donate to the poor, or any other desirable or noble financial 功能不相容的欲望. You’ll have a difficult time finding someone who is debt free with serious money problems. 找一个你认识的成年人 completely debt free (including no more mortgage) and ask them about how it feels. Ask them about the freedom and added peace that they enjoy. 你可能也想 ask them if they’re wealthy because they probably are. 大多数富人都得到了回报 their debts long ago, and that gave them the opportunity to become wealthy.
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小提示# 4
How do you develop personal motivation to create a better financial future?
Everything 开始 with hope, and all things are created twice.
You increase in hope when you discover and ponder all the options available to you. There are always options and, therefore, reasons to hope! 运用这种希望和理解 of your options to engage in the first creation, the mental/emotional/spiritual creation, by envisioning what might be in store for you. 这是第一次心理/情感/精神 创造通常被称为“远见”." With increased vision always comes increased motivation (也称为行动或信仰). Vision and motivation are sisters and always found 在一起. When you can envision and expect what might be, and you like it, you're bound to produce some effort to achieve it. 这是第二次创造. 它正在起作用 to bring your hope and vision into physical reality.
Invest some time crafting a vision of what might be in your life. 你可以这么做 on your own if you're single, but if you're married and want to stay married, it's best to create a shared vision so that you progress in the same direction! 当你 work to fulfill your vision and see the fruits of your labor, your hope will begin to substantiate, resulting in a more solid vision with her tag-along sister, motivation/action/faith.
What might your financial future look like five years from now, 20 years from now, 等等......? If you can see what might be, and it's good and beautiful, then go and 让它成为现实. If you still need to see what might be, find a good mentor who knows you and can help you discover your options and fill you with hope. 希望就是一切 开始.
