Separate your wants from your needs. You must work for all you need, not necessarily for all you want. You do not have to sacrifice yourself to a lifetime of hard labor for the false trappings of status. When you spend money on things you don't need, you are stealing from yourself. Living on less can eventually yield many more options. The simpler you make your life, the easier it will be to maintain. Think in terms of moderation and enjoying what you already have. Frugality doesn't have to be complicated or terribly dampening on your lifestyle. Think, plan and make shopping lists. Impulse buyers typically spend 15% more than pre-planners. Over time, these savings can represent a lot of money. Yes, you can cut back or you can also choose to earn more. If you work ten hours a day or an extra day each week, your earnings will be 20% more than in a typical workweek. This will allow you to pay your bills and fund your Action Principles® Plan. You can choose to drive a luxury car or you can choose to drive an economy car and use the difference to buy an investment property. Most automobiles depreciate in value while most real estate appreciates in value. Frugal is not being cheap. Cheap is shoddy and selfish. No one likes a cheapskate. Frugal is pragmatic. Frugal loves quality and lasting value. Be smart by being frugal. Be frugal by thinking long-term. Real estate is a long-term investment. Remember that word, "forever." Improve and upgrade your properties for the long-term. |
#!/usr/bin/perl
print "Content-type: text/html\n\n";
print << "htmlblock";
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