Every now and then I get told my advice is “easy for me to say” cuz I have a lot of money saved up. Well of course it’s easy for me to say – I’m the one living through it all! :) It doesn’t mean you’re gonna have the same results as me, or that you’ll even like what I’m saying, but it’s still what got me from A to B. So why shouldn’t I share my experiences?
And let me tell you something, “B” can be a lot of things to a lot of people. While we can agree that A ($0.00) is NOT a lot of money, B (a lot of $) is definitely subjective. Remember last week’s article on owning a mansion? That guy sure doesn’t think he’s rich, even though he brings in hundreds of thousands of dollars a year. And think back to when you were 5 and someone gave you a $20 bill. I thought I could do anything! (and now it only gets me 4 beers! haha…). So while I have “a lot” of money to some people, it’s still not enough for ME to just stop what I’m doing and relax.
But back to the “easy for me to say” jab. Yes, definitely easy for me to say because I experienced it and know what works and what doesn’t. But the point of BLOGGING about it isn’t to toot my horn and be all “look at me, look at me! I’m rich, bitch!”, but it’s to get the message out there in the open. My ideas, my faults, my budgets that I like a lot – everything. Sometimes it helps people, and other times I’m rambling into the abyss. But it’s 100% genuine, and 100% me. You’d be surprised how well some of this stuff works too.
And I have to admit, it DOES get a lot easier once you’re on track and really rolling with it – which is a GOOD thing! It means that as soon as you decide to make a change and pay attention to your finances, the better it’s going to get as time goes on. Not right then and there (that’s usually the *hardest* part of the whole process) but def. once you’re consciously working on it and moving away from living paycheck to paycheck. We were all there at some point! Even Warren Buffet! (You think he didn’t work his a$$ off for his money?)
So yeah, easy for me to say but also easy for YOU to say too. And that may even be worse. Brushing it aside is a perfect excuse to not take any action at all, I don’t think I’d be proud of that.
PS: Some of my favorite tools:
|Personal Capital (FREE) -- If you’re looking for a robust financial tracker, Personal Capital is the way to go! They’re like Mint, but on steroids and have much better tools for investment and net worth tracking. // Full review|
|Digit (FREE) -- A super easy (and automated) way to save. Every day Digit analyzes your income and expenses and will push money aside for you any time it sees extra sitting there. I've saved over $4,000 myself using them so far! // Full review|
|Acorns -- Having trouble finding money to invest? Check out Acorns – they round up all your transactions to the nearest $1.00 and drops the difference into an investment portfolio for you. Easy way to start investing! // Full review|