Get smart with our money

How can I be smart with my money? Well there is an obvious answer….Budget it of course. But what if this is your first time to have the privilege of financial Independence? This is NOT your first time to be financially independent, well maybe you just need to refinance a few debts and adjust your living habits. Let’s take a look at each of these one at a time. I CAN FINALLY BUY WHAT I WANT WHEN I WANT! This is a horrible mind frame to be in, so if you think this on a daily basis now may be a good time to try and adjust your frame of mind. A more financially savvy way of thinking would be “I HAVE THE ABILITY TO PURCHASE ANYTHING I WANT, I JUST HAVE TO PLAN FOR IT!” A new home, a new car, a bigger and more comfortable bed, nicer kitchen appliances, more SPACE, nicer clothes for my new job…etc. we prioritize two lists. The first list is what we NEED: 1. bigger living space, 2. bigger, better bed 3. new or newer cars. See what was done there? We can’t get a bigger bed until we have a bigger place to keep that bed. So we prioritized a bigger living space as #1, then the bed, and then we decided we don’t have to necessarily have BRAND NEW cars, we could do with used. The good thing about a used car is that the value doesn’t drop immediately once you drive it off the lot! It’s alway good to have a “go-to” guy for advice. Because no one could describe clearly what’s the meaning of “new” and “enough”. Only our self controlling which could now what that’s real mean.. Be wisely to our money, because we don’t know when we need to spend our unpredicted and emergency.