Tag Archives: Coaching

Scentsy Show n' Tell - Toy Story Scentsy Buddies

**Scentsy Show n' Tell – Toy Story Scentsy Buddies**



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hey everyone that twice and one day to go live how do you manage that hi Christine all right I am so excited about this unboxing you have no idea no idea the Toy Story movie is in our town today they have the first viewing at 1:30 which was like half an hour ago they've got another one tonight and then again Thursday Friday Saturday I believe so um who has seen the Toy Story movie so far has anybody already seen it and do you love it hey Joshua hi Kelly so we're live on Facebook and on YouTube so if I'm yelling people out it's because we're in both both both Lambs um this is like I don't know I don't even I can't contain myself you saw it it was awesome it was adorable so maybe this weekend I can go I don't know if then we'll want to go with me but who knows he might all right so let's let's do this shall we so they came out with a bundle and it's still available which I don't get why they must have made they must have known what's gonna sell a lot because it's still available right now which is phenomenal there's a bundle that you can get that have the two buddies you're gonna see those in a minute the two cent packs and the two bars for $95 so that's actually pretty good I think you're getting the bars for free doing that you could do just one of the buddies with the bar and the scent pack for $50 or you can do just the buddy the scent pack for $45 so if you're doing the bundles you're getting more for your money I mean you're actually gonna get some stuff for free so I did the $95 bundle so that's the two buddies the two bars and this 2 cent packs and we're going to do the scent bars first the sensi bars first that's what we can smell the scent all right so what do we want to do buzz lightyear or woody first put it in the comments what do you want to see first buzz lightyear or woody let's take a little boat and I am going to make sure I get everything here are we in the woody camp or the buzz camp which camps what do we want to see first oh we have a woody we have a buzz – buzz both at the same time I can't do it I can't do it okay let's do buzz cuz it's alphabetically in order buzz light here it is alright let me get the information no I want the bar information okay are you ready okay Toy Story Disney Pixar Buzz Lightyear to infinity and beyond is the name of the scent guess what color it is I need to make sure my scent receptors are clear ready okay oh my gosh smells kind of creepy mmm it's fruity its fruity I love it oh mylanta all right blast off to a galaxy of endless imagination worth fizzy orange and blackcurrant are cosmically balanced with plum blossom and sugared raspberry holy Hannah okay I almost lost you there just funky thanks alright we're back oh goodness okay let's do that again let's smell again mmm mmm I cannot wait for this to be warm because cold I smell the blackcurrant let there sugared raspberry and plum blossom and busy orange I want fizzy orange Oh God okay smells amazing buzz lightyear so are we gonna do the Buddy or just the sense let's just do the sense okay so here's woody and this one's called reach for the stars and he is like a caramel brown mmm cowboy it up this is very woodsy mmm okay in a world full of possibilities the sky's the limit but you still feel grounded with white oak sandalwood and an uplifting touch of vanilla seriously mmm oh my gosh hey Cheryl mmm oh god that's nice very woodsy camp smelling oh that smells good okay okay this is the scent pack it will be open this is the artwork this brave Space Ranger is loyal to the ends of the earth and beyond and of course each Buzz Lightyear sensi buddy comes with a scent pack in our Buzz Lightyear to infinity and beyond fragrance and they come in an amazing box it's a Disney box oh I can't believe since he has a relationship with Disney like seriously don't forget we have little handles that pop out up at the top here oh my god he looks so big he is in one of the bigger boxes by the way do you remember our sensei buddies used to come in this big box come on Buzz Oh oh my gosh Wow he is huge look at the details okay all right okay his backpack guess what goes in his backpack seriously Oh Oh danger jet exhaust for real look at the details okay look it says Space Ranger Lightyear he's got his laser badge on the side and his rocket pack look at his gloves he's gonna sin see patch his feet are huge scentsy on the side he's got his moon boots on they're hard you're stinking cute look who's eyebrows o M G he's adorable oh my gosh okay that's buzz buzz lightyear okay are we ready to do woody hi mom yes okay I'm doing this too quick oh okay that's the box it's his hat he looks pretty big you're gonna meet me over buzz cuz there's not enough room on this desk both of you ready he's gonna be bald I can't do this tight guys I have to put the hat on wow you guys are big these are big look this is full size this is a full size buddy look how big but he'll be there this is a full size buddy you still he's supposed to be tall anyway right so he has his cowboy buckle look it doesn't work good they even have the stinking pull cord for him to talk can you imagine if he talked he's gonna share it badge he's good as hankie go get his boots oh it says sensi on his boot look with this little Spurs oh my Lanta and the belt loops look Oh the detail guys there's the sexy patch look at the details Lulu wow that is pretty spectacular he is amazing and you know what if you wanted to keep the Hat on him all the time I'm sure you could put a little safety pin or even just one little stitch and you could leave it there oh look at his gun holster Wow so cute I need to oh my gosh you've got the button here his buttons as hand gosh there's just so much detail in these okay I need to put his scent back in so just sit back oh it smells even better in the scent pack oh good gracious okay his zipper right here well buzz has an entire backpack okay oh my gosh seriously they're big they're huge look at them so you can get well the sub packs are in size you can't see impacts plus the bars and the scent Paks for $95 and it's legit Disney stuff made by sensi Wow ah this is amazing okay you can either go to my website and order them yourself or I can order him them for you totally up to you if you want one and not the other that's totally up to you too if you're a Buzz Lightyear camp or what do you camp then get whichever one you want I'd get both these I'm going to tell you something like all the things that are being made by Disney or for Disney are gonna be collectibles there's no ifs ands buts about it they're gonna be collectibles because people are gonna sought after them when they no longer can get them and so like Winnie the Pooh and Tigger those were put away there in the vault can't get them anymore what was another one that they put in the vault right now you can get Daisy and Donald and Mickey and Minnie those are like the staple ones that you can get all the time but like the Aladdin wax collection the Cinderella lock wax collection those are all going to be collectibles when they're not available anymore so I'm telling you guys that you need to pick these up Oh stitch yeah stitch stitch how could I forget stitch okay he just wiped my these are mine you can't have these okay guys thank you for joining us to infinity and that was not buzz I wasn't even close like I don't know what they sound like it's okay love you guys beauty inside starting up if you want to get yours all right

How to save money new mindset and habits

**How to save money new mindset and habits**



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View Time:15:40Minutes

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Follow these six tips to learn how to save money. Start by creating a monthly budget with my free workbook A new mindset and habits are necessary to be successful.

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hi everyone welcome to my channel my name is Jasmine Thomas I'm a financial coach and my goal is to help you organize your finances save money and pay off your debt that's one of my biggest dreams to become myself a hundred percent debt free and I want to help you do just that in this video I am going to share with you mindsets and habits that you need to change in order to save money if you find yourself running out of money every single month wondering where all your money is going and you're trying to save money take a pause because it's not going to work as long as you don't change things that you have here and here I'm talking about mindsets and habits so in this video I'm going to share with you some tips that will help you take steps towards saving money tip number one you must be intentional with your money and your savings a lot of us say well I'm gonna save whatever money is left at the end of the month if that's you which that used to be me believe me you're never gonna have any money left at the end of the month because we are not being intentional we have the money coming in we pay the bills we go out buy groceries go out to eat go watch a movie and before you know it your money is gone if you really want to save money you need to make the mental shift of stop just spending you need to be intentional you need to understand how much money does it really take you to leave on every single month and how much money you're actually bringing in this takes me to my second tip which is getting on a budget did you know that only about 1 out of 3 people leave on a budget yeah so most of us are not really factoring in the expenses that we have month to month and like I say we just get paid and we just spend it if you do not have a budget believe me as a financial coach I have to tell you that is foundational that's the first thing that you need to take care of today to be able to save money to be able to organize your expenses to reduce your expenses to really know where the money is going and I have good news for you because if you do not know how to do a budget you can check the description box in this video because I have created an article and a downloadable budget pad that's a tool that I created for my financial coaching clients to help them organize their income organizer expenses and really understand how much they need to live off and how much money is left that they can use to save and invest so if you are not budgeting please check the link in the description box because you can download my free tool it's for you to you see it print it out and make sure you're doing a budget every single month of the year on paper and on purpose if later on you want to use an app or maybe Excel to do your budgets that's fine but make sure that for at least six months you get used to doing it on paper because I'm gonna say something when you write down how many times you went to the store and how much money you spent at the store every single month it's gonna make you go crazy and that exercise of really writing down your expenses is what you need to understand where your money is going tip number three to be able to save money this is huge it is to get used to live below your means there are people that I have coach that make a lot of money guys and buy a lot of money I'm talking about over fifteen thousand twenty thousand or even twenty five thousand dollars per month twenty-five thousand dollars of income per month but guess what they don't have any money they are broke they have no money in savings they live paycheck to paycheck and in fact they have a lot of debt on their credit cards so that means that you have used to live on a lifestyle that's well above your means and for you if you are one of those high earning individuals that's used to spending a lot of money and because you make a lot of money you think this lifestyle is going to be sustainable I have bad news for you it's not you are one change in your finances away from a huge crisis so imagine that tomorrow you get laid off you have no savings we have a huge mortgage payment you have credit card bills you have car loans etc you have these huge lifestyle that you live because you make a lot of money but you do spend a lot of money too so in your case my advice today is get on a budget and start trying to figure out where you can cut down expenses if you're married this is going to require a huge conversation with your spouse because you both are used to living a lifestyle that's really not sustainable and believe me when I say this if you make the decision today to stop living paycheck to paycheck even though you make a lot of money you're gonna be really happy tomorrow because the money that you save with the changes and the lifestyle changes that you make today you will be able to use it to get out of that to say for your retirement to say for your kids college education it's going to be able to bring peace to your life instead of a nice lifestyle that's a hundred percent depending on your job to maintain now tip number four if you want to save money you may have the opposite problem you may tell me you know what I just simply don't make enough money and that could be the case it would be really hard for me to ask someone who doesn't make a lot of money to cut down expenses in that case what we have is not Ana spending problem like we have with the high earners that live paycheck to paycheck but we have an income problem you simply don't make enough money to maintain just a decent and normal lifestyle in your case I'm gonna ask you to be open-minded what's that going to require maybe asking your boss for a race maybe you can get a promotion maybe you've gotten so good at what you do that you're able and eligible to get a different job in the same company if that's not an option for you then we need to get creative perhaps it's time for you to move on and to look for a better paying job maybe you know a skill that you can you know a service that you can provide for others and charge them and then you start a side hustle or a side business maybe you can sell stuff whatever you can do to be able to generate an extra income that's what's gonna help you be able to save money as long as you're on a really tight income it's going to be really difficult to get any traction in your case now tip number five to be able to save money that is one of my most favorite things in life getting out of debt I know guys I know you like your cars and you like your vacations and you believe that credit cards are the way of getting prices and miles and perks and whatnot but I'm here to tell you the more money you spend every single month on payments the less money you will have to grow your wealth so if you really are committed to saving money perhaps today right now watching this video is the time to consider selling your car so let me tell you the amount that people are spending in 2019 on a car payment the average is about $500 so let's just use that example and consider the possibility of not having a car payment just say for the sake of this example that you have a $500 car payment and today you're like I have no money these car payments killing me I want to save money why would I do every single month with an extra $500 I mean that's a huge question what would you do if you had an extra $500 I mean I can think of many things but the point today is to save money okay so consider the crazy idea that you decide that you are going to sell your car and you're going to get into a really low cost car that you're gonna pay cash for I am talking about a 500 to $1,000 $2,000 car okay you're going to drive this car that's paid for so you don't have a car payment and the $500 that you were spending every single month for the rest of life an eternity because most people that have a car payment keep the car payment ongoing because they buy a new one and then they upgrade it and then they have a family and they need an SUV and so their entire lives they have car payments but imagine we decided we're not going to have a car payment you are going to say five hundred dollars every single month okay after a year you have six thousand dollars in savings six thousand dollars I mean we you went from not having any money in savings so now you have six thousand dollars in savings now if your car the $1,000 $500 car is really driving your you crazy now you have six thousand dollars of which you can use to buy a car a better car for cash and say you go ahead and you buy yourself a four or five thousand dollar car you keep driving this car for another year you have now saved another six thousand dollars you can use that car and extra money that you have now in savings and upgrade your car and you can continue doing this year after year until you buy the car that you dream of but it's paid for always all along you only used car you used cash to pay for your car so that's just one example maybe there's other things in your life that you are financing that are killing you and perhaps today it's the time to start thinking what if I solve that boat do I really need a horse I don't know I know people that have livestock that have horses and other kinds of fancy and expense save pets and their living paycheck-to-paycheck and mainly for them it's time to consider getting rid of those things that are keeping you in debt so that you can have some margin in your budget to save money and finally tip number six to start saving some money that is to make savings a habit like I said at the beginning if you're saving of what's left at the end of the month bad news you won't have any money to save because since we're not being intentional with the money the money just disappears believe me I know you've been through it I've been through it everyone but if you make it a habit you're going to make sure you're building up some savings and even better if you oughta Mize your habit I know maybe it doesn't make sense but you can autumn eyes your savings so my recommendation which is what we do we have a savings account that's attached to our checking account and check with your bank because we don't get charged any extra for this service and every single month at the beginning of the month we make an automatic transfer to savings from checking to savings every single month so I know that my budget is already considering that I don't have that much money in the budget because guess what it's gone it's gone it's not being spent it's put away very safe in savings you can try doing something like that automating your savings so at the end of the month you make sure you already saved it and not waiting on leftover money to be able to build up your savings so what do you think about these six mindset changes and habits that you really need to adapt to be able to start saving money this is something you need to do before you even consider putting the money aside because if you don't get into these habits if you don't believe that you need to cut down your expenses that perhaps you need to get a better paying job that you need to start budgeting that you need to be intentional with your money if you don't really embrace those good habits and mindset changes it's going to be really hard to build up any savings so if you are willing to do as many of those the more you do the more money you're gonna be able to save thank you guys so much for watching this video as always if you have any questions on how to improve your financial wellness you can drop them in the comments down below also don't forget that and this is something good for you to know every time I publish a video I know I share a lot of information and you might be driving or walking the dog or maybe you're doing the dishes or you're getting ready to go to work that's all the times that I'm also listening and watching videos on YouTube and so it's good for you to know that if you wanted to take notes or if you wanted to review the tips that I'm sharing with you you can always go to the description box and click on the link to read this article on my blog all my videos always have a blog article attached to them because I want to make sure that I provide the content in a written form where you can easily go back and scan and get the information that you need instead of watching the video all over which is fine if you want to do that and one more thing before I say goodbye if you want to connect with people who believe that living debt-free is a better way of living make sure you check my facebook community to ask to join the link is in the description box because I want to be able to provide more support for you guys it's really hard to pursue a debt-free lifestyle when everyone around you tells you that that's impossible that you need credit cards to survive and that you should keep your car loans it's hard I've been there that's why I created a new group where you can ask to be part of it where you can be around people who believe that becoming debt-free is for a better way of living thank you so much for watching make sure you subscribe to my channel and turn on the notifications because on my next video I am going to tell you about the things that you must do to be able to take control of your finances see you later you

2018 Top 3 Money Saving Tips | 52 week money Challenge | ItsTeamUs Second Episode

**2018 Top 3 Money Saving Tips | 52 week money Challenge | ItsTeamUs Second Episode**



Views:10064

Rating:4.85

View Time:12:45Minutes

Likes:222

Dislikes:7

In this video we shared our 3 most favorite money saving methods which were:

1. 52 week money challenge
2. Money-Jar dues
3. High yield Savings Account

After trying various techniques, we found that these 3 methods kept us accountable, effective, and most importantly- saving ! Hope you enjoy.

Follow us on iG @itsTeamUs
Facebook.com/itsteamus

Inquiries/questions/comments email us : [email protected]
hello everybody I'm Byron Wesley and I'm Leslie Wesley and welcome to our second show so for today's video we wanted to share our favorite methods on money saving tips so I have to read in tons of personal finance articles reading books like Rich Dad Poor Dad and attending tons of financial seminars we compiled a list of our top financial methods on saving money which are the 52-week challenge the money jar and the high-yield accounts so starting with the 52-week challenge it was kind of something we found by accident on social media you might have seen some other things such as the ad challenge the squat challenge well this is the 52-week money challenge and thanks to her uncle who passed it off to us it was gonna be a one year thing but it works so well that here we are three years later still doing it and we love it because it works anything you want to say about that for me I love it because it's automatic it's basically steady then forget it so what we end up doing was we created an additional savings account to keep our 52 week challenge funds separate from our from our other allocated funds so I know you guys are interested in knowing the intricate moving parts of the 52 week challenge so without further ado here we go so to make this easier what we're gonna actually do is put it on your screen so you're gonna see the actual chart and here it goes alright so as you can see week 1 you deposit one dollar with week two you deposit two dollars with week three $3 we fit it to 52 dollars so basically the week correlates with the amount that you need to deposit so to turn it up and at the bottom as you can see you get 13 78 but if you do it with a partner together you both can save 2750 in a year not bad Wow first year doing a 52-week challenge we actually stuck to the format it wasn't until the second year that I wanted to kind of switch things up and deviate from the format so what I ended up doing was I created I came up with a specific amount I divided it about 52 and that's how much I had to basically pay myself each week every single Monday it will automatically transfer into my account it doesn't matter how you do it as long as you're doing it on a weekly basis that's the most important piece of the chart set a goal and follow it on a weekly basis and before you know it you'll reach your goal so the whole reason the whole existence for the challenge is to do not forget to pay yourself my thing is we paid all the bills in the world we pay like gas electric like whatever whatever it is you name it we pay it but why don't we pay ourselves so with this 52 week challenge this is you actually paying yourself and the chase yourself like a bill exactly and the best part about it is at the end of the 52 weeks that money that you say can now be invested into whatever it is a small business stocks and bonds it can be for start-up it can be you name it first time homeowners exactly a down payment flow investment property also so do two out goes 52 weeks that is a perfect time for you to ponder on what exactly that you want to invest that money here right that gold down focus on it keep it nearby cuz it'll make the 52 week challenge a lot more fun agree stick it somewhere put it on the wall somewhere did you have to walk past every single day so it's a reminder the only reminder of what you're working towards so definitely 52-week Chavez so this brings us a method number to call the money jar rules something that I failed horribly in my favorite but it kind of means that I saved money compared to him I was this close to being rich because of her little nasty mouth yes but before we get into that let's talk about how it works so with the money jar what you have to do is set something that you want to change in your life you don't want to use profanity you want to work out you want to stop smoking whatever it is if you break it like set a regiment if you break it you basically have to pay so for us we set five dollars per profane usage I didn't realize how much of a potty mouth I had until we actually set this goal and boy did I fail I'll be honest I got caught up maybe like three times that the Mo's more than that more than that make maybe ten times but my ten times compared to her thousand times almost got me rich like I stated before and let me just justify that it's not even like the worst word in the world but I think I just had a bad habit of using a SS to describe everything and it was a horrible habit so this was actually a fun way to save money while breaking the habit and that's what made it fun and that's what made it effective the most important part to actually make it work is that you have to do it with a partner because it's actually that partner that's holding you accountable so every time I curse it was kind of up to me when I was by myself whether I wanted to reveal it to him or not but that's why when you're around that Center partner and you are both aware of each other's goals you can call it out and you can make each other make the deposit man we almost forgot about the drinking part oh that's right all right so it's also in association with the money jar so we wanted to stop drinking so we attached a fee on to it so the feed was $50 I immediately stopped drinking because I did not want to pay whatever how much to drink cause in addition to fifty dollars into our savings account so this all right here once again got us rich not that bad that one was not as bad as the potty mouth but you know I have a bunch of girls and every time there's a birthday I kind of needed a glass of wine so $50 for one drink was pretty expensive so it just made it fun we made it very interactive and we were able to keep one another accountable so even got to the point where if we weren't together we'll still come back and be like babe you know what I got a deposit $50 over babe I used a profane word today I have to deposit $5 so the money added up quick we were able to use that money towards the rest mints also so it was like I said it was fun very interactive and very effective for investments there you have it with the money jar so method number three hi newest savings accounts so one of the most effective and important aspects of saving money is to set it and forget it if possible put it in a completely different banking institution out of the access from your check-ins and your regular savings and your daily savings put it put it somewhere different yes remember if your car breaks down your FPL goal comes up higher or whatever electric company is in your state pretend like the money is not there it's only for the bowl that you set it for so if anything comes up that's not the goal it doesn't exist I totally agree and just remember once you reach a determined amount switch your hats from your savings and put on your wrist Oh hats because remember we save to invest we don't save to save safe to invest and make more money from what you see all right so we're gonna switch it up a little bit and what I want to do is like a interview style and I want to ask miss Leticia Wesley some questions so I'm gonna pretend like I'm part of the audience and let's switch it up so Miss Leticia yes why a high-yield account as opposed to a money market or a CV good question the money market in the CV actually has lower rates than the high interest savings accounts upon research I think we first started with the money market and I kind of looking around and I asked around and actually a friend told me about the high interest savings account and I found out that it does have a great rate of 90.9 o or higher so being that we had an American Express credit card we went with the American Express high interest savings account I think synchrony bank right now holds the highest our 1.05 but the American Express has 1.90 which is better than a lot of money markets and a lot of ZD offerings out there so that's why we went with the American Express ventures savings so question number two walk me through opening a high-yield savings account how would I go about opening one well that's very easy for this particular institution of American Express you actually don't even need a card card all you have to do is go online and there's gonna be a few questions that it's gonna ask you and everything is automated online that same day you'll get approve and your account will be open you see very easy question number three so what will be my actual over here for operating a high-yield savings account so while most popular banks charges you a monthly fee the American Express is actually totally free there is no minimum deposit that you need to put in the bank on a monthly basis it's totally free free free I need to sign up right now along with you yeah get on that computer and they set up a high-yield savings account so is there anything else associated with the high yo savings account that you think we should know yes most of you must be thinking online banking how is back on the word what's actually really simple after you have it set up all you have to do is add it to your current checking account so you'll log on and do your mobile banking how you normally would and you'll just add the account as an external account and then go forward it'll be a really quick simple just like a transfer to your savings account with your current bank you'll actually transfer it to your external savings account so it's really simple so if we have any questions I'm guessing we can reach you at it steam us at gmail.com absolutely and also feel free to email us any of your money saving methods that you like best so we can definitely come back and on our next episode we can mention those at the beginning of our episodes good idea perfect so I just want to thank everybody for coming watching and sharing and don't forget to hit that subscribe button and come back next Sunday at 7 p.m. he loved it a lot of good money out of nothing financial literature articles financial books like real thing oh what's that outside you heard that's alright the crackle

How To Discipline Yourself To Save Money

**How To Discipline Yourself To Save Money**



Views:44433

Rating:4.80

View Time:17:27Minutes

Likes:543

Dislikes:23

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in reading the lives of great men Harry Truman said I found that the first victory they won was over themselves self-discipline with all of them came first according to insurance industry statistics of 100 people who start work at age 21 by age 65 one will be rich four will be financially independent 15 will have some money put aside and the other 80 will be still working broke dependent on pensions or dead most baby boomers today are planning to work into their 70s why is this it is because they don't have enough money put aside so they can stop working the primary reason for financial problems in life is lack of self-discipline self mastery and self control it is the inability to delay gratification in the short term it is the tendency for people to spend everything they earn and a little more besides usually supplemented by loans and credit card debt today the savings rate in America is too low to achieve financial independence after a lifetime of work the average American family has a net worth of only about $8,000 people continue to spend and borrow as if there is no tomorrow the good news is that we are living in the most affluent time in all of human history there are more opportunities to achieve wealth and prosperity today for more people and in more different ways that have ever existed in the history of man it has never been more possible for you to achieve financial independence and right now but you must make a resolution to do it and then you must follow through on your resolution the reasons for financial failure the primary reason why most adults have financial problems is not because of low earnings in their book The Millionaire Next Door Thomas Stanley and William Danko show that two families living on the same street in the same size of house and working at the same job can have completely different financial situations by the age of 45 or 50 the couple in one house will be financially independent while a couple next door is deeply in debt and having trouble making the minimum payments on their credit cards the reason for this is not the amount of money that they earn the reason is lack of self-discipline and the inability to delay gratification why is this weakness of character so prevalent among the majority adults in society today it goes back to early childhood when you were a child and you receive money whether it was your allowance or a gift from a friend or relative the first thing you thought of doing was to spend that money on candy candy is sweet candy is delicious candy fills your mouth with a wonderful sugary flavor you like candy when you were a child and you probably could sell them get enough of it many children will eat candy until they become physically ill because it tastes so good as you grew older you developed what psychologists call a conditioned response to receiving money from any source like Pavlov's dog when you receive money you mentally salivate at the thought of spending this money on something that makes you happy at least temporarily spending makes you happy when you become an adult and you earn or receive money this automatic reaction continues your first thought is how can I spend this money to achieve immediate pleasure when you get your first job the very first thing you think about is how you can spend not only the money you earn but also every penny you can borrow on a credit card unclosed cars cosmetics socializing entertainment travel and everything else your mental equation is equals enjoyment when you go on vacation to a resort of any kind you find that the hotels and streets are lined with shops selling useless trinkets baubles and trash plus clothes artwork and other items who'd never think of buying at home why is this simple when you're on vacation you feel happy you have a conditioned response to associate happiness with spending money the happier you are the more unconsciously compelled you are to go out and spend money on something or rather on anything it's quite common for many people when they're unhappy or frustrated for any reason to go shopping they unconsciously associate buying something with being happy when it doesn't work as they expected they buy something else sometimes unhappy people go on shopping sprees they buy lots of things that they don't particularly need because they unconsciously associate spending with happiness as an adult whenever you receive your paycheck a bonus a commission and irs refund a prize or and inheritance the very first thing you think about is how you can spend this money as quickly as possible and on as many pleasures as possible rewire your responses about money the starting point of achieving financial independence is to discipline yourself to rewire your attitude toward money you need to reach into your subconscious mind and disconnect the wire linking spending and happiness you then need to reconnect that happiness wire to the saving and investing wire from that moment on instead of saying I feel happy when I spend money you will say I feel happy when I save money to reinforce this shift in thinking open up a financial freedom account at your local bank this is the account in which you deposit money for the long term once your money goes into this account you resolve that you will never spend it on anything except the achievement of financial freedom if you want to save money to buy a boat or a car you open up a separate account solely for that purpose but your financial freedom account is inviolable you'll never touch it except to invest those funds so they can yield a higher rate of return associate happiness was saving when you begin saving in this way something miraculous happens within you you start to feel happy about the idea of having money in the bank even if you only open your account with ten dollars this action gives you a feeling of greater self control and personal power you feel happier about yourself the very act of disciplining yourself to save money makes you feel stronger and more in control of your destiny each time you get some extra money you put it into your financial freedom account eventually your financial freedom account will begin to grow then as it grows you activate two laws the law of attraction and the law of accumulation because the money in your account is emotionalized by your own thoughts and feelings it sets up a force field of energy that begins to attract more money into it if you save $10 a month for a year you'll be astonished to find that with the extra bits of money that you have put into that account you'll probably have more than $200 rather than just 120 if you save $100 per month you'll probably have more than $2,000 the law of accumulation says that every great achievement is an accumulation of many small achievements the law of attraction says that you attract into your life those things that are in harmony with your dominant thoughts because of these laws your financial freedom account begins to grow with the miracle of compound interest the more money you have in your bank account the more energy it generates and the more money is attracted into your life you've heard it said that it takes money to make money this is true as you begin to save and accumulate money the universe begins to direct more and more money toward you that you can save and accumulate everyone who has ever practiced this principle of regular saving is absolutely astonished at how quickly their financial fortunes change for the better the rule for financial independence once you have rewired your attitude toward money is simple it is to pay yourself first most people save whatever is left over after their monthly expenses if there is anything left over at all the key however is to pay yourself first off the top from every amount of money you receive save throughout your lifetime it used to be that if you save 10% of your income from your first paycheck until you retired you'll be financially independent if not rich today however financial advisers suggest that you need to save 15 to 20 percent of your income in order to achieve all your financial goals any less than this opens you up to the risk of running out of money later in life when we suggest to people that they need to begin saving 10% of their incomes they shake their heads most people are spending everything they earn today they have nothing left over most people are deeply in debt as well the idea of saving 10% of their income right off the top appears impossible but there is a solution practice the 1% formula begin today to save 1% of your income and learn to live on the other 99% this is a manageable amount this is a number that you can get your mind around it requires only a small amount of self-discipline and delayed gratification for you to save 1% each month if you are earning 3 thousand dollars per month 1% is $30 per month or only $1 per day at the end of each day come home and put your daily amount into a box or jar once per month take your accumulated savings down to the bank and put it into your financial freedom account this sounds like a small beginning but remember that a journey of a thousand leagues begins with a single step in no time at all you will become comfortable living on 99 percent of your income at that point you raise your savings level to 2 percent of your income per month you then adjust your lifestyle to live on 98% in no time this will become a habit you will find it automatic and easy to live on 98% of what you earn month by month you then increase your savings level by 1% at the end of the year you will be saving probably 10% of your income then something else remarkable will start to happen your debts will start to decline as you become consciously aware saving your money and moving toward financial independence you will become more intelligent and thoughtful about each expenditure you will find yourself spending less and gradually paying off your debts month by month the payoff is tremendous the reward for saving and investing is substantial it is said that happiness is the progressive realization of award the ideal so every time you save a dollar or pay off a dollar of indebtedness you feel happy inside you feel more positive and in control of your life your brain releases endorphins which in turn give you a feel of calmness and well-being within two years of beginning this process you will have worked your way out of debt and will have begun to accumulate a growing amount of money in your financial freedom account as this amount increases you will begin to attract into your life more money and more opportunities to deploy those funds intelligently so that they yield a higher rate of return at the same time your attitude toward money and spending will gradually change you'll become more disciplined and conscientious you will investigate carefully before you invest you will study every aspect of a potential business or opportunity you'll be reluctant to part with money that you've worked so hard to accumulate you will actually begin to reshape your attitude and personality toward money and do so in a very positive way income increases don't help sometimes I ask my audiences who here would like to be financially independent everybody raises their hand so I then say if I could wave a magic wand and double the income of every person in this room would that help you to become financially independent everybody cheers and laughs and nods their head agreeing that if they could miraculously double their incomes they could become financially independent I then ask them how many people in this room from the time you took your first job to today have already doubled your income without hesitation every hand in the room goes up I then ask how many people here from the time you took your first job today have increased your income three times five times ten times hands go up all over the room everyone in the room is doubled or tripled or increase their income five or ten times from the time they took their first job I then make my point everybody here has already increased their incomes dramatically but it has done no good simply increasing your income does not ensure that you will achieve financial independence this is because of Parkinson's law which says expenditures rise to meet income no matter how much you learn you end up spending it all and besides practice the wedge principle the way to achieve financial independence is for you to break Parkinson's Law you do this by practicing the wedge principle for the rest of your life here is how you do it as your income increases in the months and years ahead drive a wedge between your increasing income and your increase in expenses instead of spending it all resolve that you will save 50 percent of your increase if your income increases by $100 per month resolve to save $50 per month off the top and put it into your financial freedom account you can spend the other 50 dollars on your family and unimproved in your lifestyle but you must resolve to save half of your increase for the rest of your financial life when you pay yourself first saving 10 or 15 percent of your income off the top and then saving 50 percent of your increase for the rest of your career you will soon achieve financial independence you will join the top 5% of wealthy people in our society you will never have to worry about money again the miracle of compound interest Albert Einstein said that compound interest is the most powerful force in the universe if from the age of 21 until you are 65 you were to save only $100 per month and invest that amount in a mutual fund or index fund that increased an average of seven to ten percent Precure you would be worth more than a million dollars if you were to set up your payroll account so that $100 were automatically deducted and invested for you you could be sure becoming one of the wealthiest people in America this means that if you are serious about achieving financial independence the most important single requirement is self-discipline combined with the ability to delay gratification your ability to practice self mastery self-control and self-denial throughout your life will not only enable you to achieve all your financial goals but it will also make you successful and happy and everything else you do now here are 7 Action exercises for you first make a decision today to take complete control of your financial life get out of debt and achieve financial independence second determine your net worth today add up all your assets subtract all your debts and liabilities and calculate the exact number 3 set up a separate bank account and begin saving at least 1% of your income as you receive it every month or paycheck for make a list of all your debts and begin paying them off starting with those carrying the highest interest rates 5 calculate the exact amount that you will need to be financially independent at the end of your career and then set this as a goal 6 set specific financial accumulation goals for yourself for each month quarter and year for the rest of your life and 7 practice frugality and spending by putting off and delaying every expenditure you possibly can until you achieve your long-term financial goals