Saving - Pay Yourself First

Whether it is you realize it or not, you have a list.

In each of us a list of individual wants, needs and desires, is unconsciously led off and a value in a ranking system based off of individual importance. Our # 1 and the primary target would be the first thing we ask, because if a ghost appeared in front of us and granted 3 wishes tomorrow. # 2, of course, would be second and so on.

Of course we share our most important goal first and make it our priority. They would find it difficult to find a list of space as follows:

1) Find a new pants
To eat 2) a trifle grave
3) Get rid of my cancer

Right? Why you should always put your most important objective something other than # 1? They would not it. But we do it constantly with our finances.

Money problems wreak havoc on the lives of everyone who has them. And unfortunately, most of us suffer from them at least somewhat. There is absolutely no other problems, which we as humans on a large scale more frequently than those associated with the finances. Ask any couple what is their biggest problem in their relationship, and 9 out of 10 will tell you, money. It ruins relationships, keeps you on jobs that you despise and avoid that, you go out and find true happiness and meaning in this world. Who has time for happiness if the gas bill due? What is good, you can find your true sense if it's going to a "foreclosure" sign on your front yard lead?

You can not escape. And when you experience something that you do not learn to escape in this world, is the best option to control them. You have 2 options defeat the schoolyard bully: Hide from him until the bell rings each morning and crack him right in the nose and sent him off at first hand the disadvantages of picking on you.

As organized as we are in the rest of our lives, we see a completely saved to the rear. Saving is the key to financial freedom, but we base the amount we can save you from the rest of our lifestyle. We will do this, this & that and hope to revisit some is left over to throw in the bank if the furnace goes next winter.

Why on earth would the most important aspect last on the list? Because we are greedy or accustomed to a lifestyle that we do not really need. We learn with luxury, no benefits are out meeting their intellectual property, are used. This is social conditioning at it's finest, and if you want to be financially through the increase in combat, you must carry on their practices and habits that they bring to this dilemma in the first place.

They have mortgage payments, car payments, gas bills, electricity bills, heating bills, phone bills, cable bills. The list is endless in the area. And imagine the very end. They make the dog at the end of the table begging for scraps when the very foundation of his world depends on its lining.

YOU are a bill. And just like the cable companies will not pay for you to switch into account, you must pay yourself for the consequences yourself. Get in the habit, put yourself first. If you have to give up something else, then so be it. Learn to give it up. Just as you would the cable bill if it came between it and the water bill. They would decide what is most important to cut off your basic needs and survival and the rest. This is what will you do should be consistent with your financial savings, but you're not because you are not paying yourself just as necessary as the payment of a bill of luxury, because the consequences are not so directly. The cable company takes a week overdue, to disable you. Sometimes you can mask and hide your troubles for a year before he actually deal with them.

And if you're not good with cash in their hands, there are several possibilities of today do not even see the money. Direct you to deposit your savings into a separate, untouchable account every week before you see at all. Or start a 401k plan that makes you not from the tax on your earnings.

Life is a game that you are forced to play. And like every other game, you must learn the rules in order to be successful. And if you struggle paycheck to paycheck, never paid for itself by always luxury before your needs, you do want to see the Detroit Lions the game of life (Sorry Detroit fans, but you know it's true.) Treat a chance to win a little ground and also to some first downs with a solid financial planning. Take the ball and run!

Editor Tips

If you're holiday shopping on a budget, with prepaid cards is the best way to keep things under control. The joy of giving and the holiday region of mind can sometimes make yourself financially overwhelming, like you in the thought of the faces of your loved ones as they caught up to open their gifts. If you are so overwhelming, you start the year out of debt.

Stop relying on the national brands more familiar when you go to the supermarket and try to enter the trade too. You can save a lot of money, and there are many cases in which one can not tell the difference in taste between the two brands. Recycling for the environment and your wallet. Glass bottles and aluminum cans can be collected and recycled to the money now.

Do you? Hey, on an eight-hour day, that the $ 160. Now you can convert that to your own currency, but by the time you pay 40-50% to the tax person who is not a good job! And what will you do? Will you make a little overtime? How much you can do, and how much you want to do? You need to use to think. You have to think of multiplication.