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  • Money Management Skills

  • A Beginners Guide on Personal Finance and Living Debt Free
  • By: Jonathan Connor
  • Narrated by: George D Franklin
  • Length: 3 hrs and 14 mins

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Money Management Skills

By: Jonathan Connor
Narrated by: George D Franklin
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It is challenging to ask the people around you to follow a budget. The more you force people to limit their personal rewards, the more they want to spend. If you want your entire household to follow a budget, you need to package it in a different way. Most professional financial planners, for instance, prefer to call it "proper allocation of funds" to make their clients accept the idea of budgeting.

The true value of budgeting

When we follow a budgeting plan, we are not depriving ourselves. Rather, we are forgoing immediate gratification in exchange for greater rewards in the future. If you want to be successful in in the long run, you need to practice letting go of instant gratification.

We practice this principle consistently in all areas of life. Most people already have the budgeting skills they need. Most of us know how to avoid unnecessary expenses. If you commute to work, for example, you may have selected a route that gets you to work with the least expenses. If we do not follow a budget, we would just take the most convenient means of transportation without thinking of the cost. Because we care about being efficient with our money, however, we usually avoid expensive forms of transportation.

You are already practicing budgeting in most areas of your life. For most people, their budgeting progress is ruined by just a few financial activities. One of the most common areas where people lack discipline is in eating out. This is a big challenge for most millennials. Other people fail to budget well because of expensive tastes in clothing.

A person may be disciplined in the way he spends his money on food, utilities, and groceries but when it comes to spending on things that make him happy, he loses control. If you want to reach your financial goals, you need to find out which financial activities hurt your budget.

By knowing about your spending weaknesses, you will be able to find strategies that will allow you to improve your budgeting performance in the future.

©2020 Jonathan Connor (P)2020 Jonathan Connor

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