How to get along with people and make the world better

How to get along with peopleHow to get along with people? It’s a classic problem. We don’t have to like people, but life’s better if we can get along with them. But how?

Life’s great challenge:

Dear reader, do you have problems getting along with other people?

Do you find it difficult to deal with some people as you go about your daily routine?

Well, it’s true; some people can be challenging and quite difficult at times. I’m sure most readers will have had that experience occasionally.

However, in my experience, most people just want you to be nice to them. They want to be respected for who they are and treated with courtesy.

I’ve learned over the years that if you respect people and take a genuine interest in their lives, then generally they’ll respond warmly to you. Not all, perhaps, but certainly most people.

How to get along with people:

Think about it.

We all just want to be treated with courtesy and respect and appreciated for who we are and what we do, don’t we? Certainly, I do. Don’t you, dear reader?

If we accept that as true, then the way to get along with other people is not difficult, surely?

The trick is to treat people with courtesy and respect, regardless of who they are or what they do. Treat them as you would prefer to be treated.

Be kind and considerate to them as individuals, and there’s a good chance that they’ll treat you well too.

You don’t have to like people, but life’s better if you can get along with them. And if you can get along with them and get to know them, then you might just get to like them in time as well.

The world can be a better place:

If we can all get along, then it will make the world a better place.

If we can all be kind and considerate to our fellow human beings, then we could have a world free from strife and tension.

So go on, show people some respect, show them a little appreciation, take an interest in them for who they are and what they do, and above all, never underestimate the power of a thank you.

I always feel better if I think I’m appreciated, and I’m sure you do too. We all do.

So the trick to getting along with people is simply to treat them as you would prefer them to treat you. It works every time for me.

And I’m confident that it will work well for you too, dear reader.

So go on, make every effort to get along with people, and make the world a better place.

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How to Become Wealthy in 5 Years: A Roadmap for Growth

HOW TO BECOME WEALTHY IN 5 YEARSThis article explores how to become wealthy in 5 years.

Wealth building often evokes images of overnight success and incredible riches. While such scenarios may exist in rare instances, they are far from the norm. True wealth, encompassing both financial abundance and personal fulfilment, demands a more nuanced and strategic approach. This article aims to debunk get-rich-quick myths and unveil a practical roadmap for building sustainable and meaningful wealth within a five-year timeframe.

The journey begins with clarifying a definition of wealth.

Everyone’s idea of what wealth means is different. For some, it might be about financial freedom, early retirement, and accumulating assets. For others, it might be achieving a degree of affluence to live comfortably.

Defining your “why” helps you navigate financial decisions and avoid chasing empty metrics.

Next, assess your current financial standing.

Track your income, expenses, and debts. Knowing where you stand is crucial for crafting a realistic plan.

Now, consider the core principles for wealth building:

Part 1: Financial Wealth: How to Become Wealthy in 5 Years:

  1. Cultivate a saving mindset: This is the bedrock of financial health. Aim to save 15-20% of your income every month. Automate a portion into savings or retirement accounts to make it effortless. Prioritize needs over wants and cut back on non-essential expenses. Remember, small savings can snowball over time.
  2. Optimize your income: While saving is crucial, maximizing your income accelerates wealth building. Seek opportunities for salary raises, promotions, or upskilling within your current field. Explore avenues for additional income, like freelancing, side hustles, or investing in rental properties. Diversifying your income streams mitigates risk and creates opportunities for exponential growth.
  3. Master debt management: High-interest debt can cripple your financial progress. Prioritize paying off high-interest debts like credit cards or payday loans. Consider strategies like debt consolidation or snowballing (focusing on smaller debts first for momentum).
  4. Embrace the power of investing: Put your savings to work! Invest in assets with the potential for long-term growth, like stocks, bonds, or real estate. Start with low-risk, diversified options like index funds and gradually venture into riskier ventures as your knowledge and comfort level grow. Seek professional guidance when necessary. And unless you’re already an expert, it will be necessary.
  5. Educate yourself: Knowledge is power, especially in finance. Read books, attend workshops, and consult financial advisors to broaden your understanding of managing money, investing, and tax optimization. Continuous learning fuels informed decisions and empowers you to take control of your financial future.
  6. Live purposefully: Wealth extends beyond material possessions. Invest in your health, relationships, and personal growth. Pursue hobbies you enjoy, connect with loved ones, and engage in activities that bring meaning to your life. Living a fulfilling life alongside financial security is true wealth realized.

Remember, the path to wealth is a marathon, not a sprint.

Consistency, discipline, and patience are key.

Celebrate milestones, but stay focused on long-term goals.

Be adaptable and resilient. Occasionally, unforeseen circumstances may arise, requiring adjustments to your plan.

Seek support from financial professionals and a community of like-minded individuals.

5 Year Plan:

Here are some actionable steps to take within the next five years:

Year 1:

  • Create a detailed budget and track your spending.
  • Pay off high-interest debt and establish an emergency fund.
  • Increase your income by at least 10%.
  • Open an investment account and start with low-risk options.

Year 2:

  • Max out contributions to retirement accounts.
  • Explore additional income streams through side hustles or investments.
  • Diversify your investment portfolio.
  • Seek financial advice and education.

Year 3:

  • Re-evaluate your budget and adjust as needed.
  • Review your investments and rebalance your portfolio.
  • Increase your risk tolerance for higher potential returns.
  • Implement tax-saving strategies.

Year 4:

  • Focus on growing your income streams significantly.
  • Consider larger investments like real estate or business ventures.
  • Build a passive income stream.
  • Help others achieve financial literacy and build wealth.

Year 5:

  • Assess your progress and adjust your plan if necessary.
  • Celebrate your achievements and set new goals.
  • Continue learning and adapting to changing economic landscapes.
  • Enjoy the fruits of your work and share your success with others.

Conclusion No 1:

Wealth building is not a guaranteed formula but rather a continuous journey of growth and learning.

By embracing mindful spending, disciplined saving, proactive investments, and a commitment to personal fulfilment, you can set yourself on a path to achieve sustainable and meaningful wealth within five years and beyond.

Remember, the definition of wealth is personal. Tailor this roadmap to your unique goals, values, and circumstances. Stay committed, learn continuously, and adapt as you journey towards a financially secure and fulfilling future.

PLEASE NOTE: This essay is for informational purposes only and should not be considered financial advice. Always consult with a qualified professional before making investment decisions.

Part 2: Beyond the Numbers – Integrating Values and Impact

While the previous section outlined a practical framework for building wealth, true financial well-being extends beyond accumulating mere numbers. Integrating your values and considering the impact of your financial decisions are crucial for shaping a sustainable and fulfilling journey.

1. Alignment with Values:

  • Ethical Investing: Choose investments that align with your values, such as sustainable practices, fair labour standards, or responsible resource management. Consider impact investing or socially responsible funds to support positive societal change.
  • Philanthropy and Giving Back: Allocate a portion of your wealth to causes you care about, be it through donations, volunteering, or supporting community initiatives. Giving back not only creates a positive impact but also fosters a sense of purpose and strengthens your connection to your community.
  • Living Sustainably: Make conscious choices that minimize your environmental footprint and promote responsible consumption. Reduce your carbon footprint, support local businesses, and choose eco-friendly products. Living sustainably aligns your financial choices with environmental and ethical values.

2. Building Strong Relationships:

  • Financial Transparency with loved ones: Open communication about finances with your partner, family, or close friends can ease burdens, foster trust, and prevent future financial conflicts.
  • Sharing Your Expertise: Utilize your financial knowledge to empower others. Whether mentoring young adults, sharing tips with friends, or volunteering for financial literacy programs, helping others navigate their finances creates positive ripples within your community.
  • Investing in Relationships: True wealth also encompasses strong connections with loved ones. Prioritize quality time with family and friends, invest in experiences, and nurture these relationships. Strong social bonds contribute significantly to overall well-being and happiness.

3. Embracing Purpose beyond Wealth:

  • Define your life goals: While financial security is important, it’s not the sole purpose of life. Explore your passions, interests, and skills. Develop goals beyond financial accumulation that contribute to your personal growth and sense of fulfilment.
  • Contribute to society: Seek opportunities to use your talents and resources to make a positive impact. Take on leadership roles, mentor young people, or volunteer your time and skills to a cause you care about. Living a life of purpose brings immense satisfaction and enriches your community.
  • Find joy in the present: While striving for future goals is important, don’t neglect the present moment. Practice mindfulness, appreciate experiences, and find joy in everyday interactions. Appreciation for the present leads to a more fulfilling and meaningful life.

Remember, wealth is not a singular destination but a continuous journey of learning, growth, and impact. By integrating your values into your financial decisions, building strong relationships, and embracing a purpose beyond wealth, you can create a fulfilling and sustainable path towards financial prosperity and personal well-being.

Conclusion No 2:

Building wealth is important, and working towards financial freedom is a worthy aim. However, a more holistic perspective on wealth building will inspire you to create a journey that aligns with your vision for a meaningful life.

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What makes a great idea and why you should keep a journal

What makes a great idea.What makes a great idea? Now, that’s an interesting question, in my opinion.

How is it that one idea can be successful and another idea less so?

Why has the iPhone been so successful, yet once-popular smartphones like the Blackberry have disappeared?

How do you know when one of your ideas might make a big difference?

The importance of timing

A key ingredient for a great idea is timing. Ideas are a dime a dozen. The trick is to know when one of your inspired thoughts is right for its time and, therefore, how hard to push it.

If you’re too far ahead of other people’s thinking, that inspired thought you believed was a great idea will only be ignored because it won’t resonate with people.

If you’re too far behind, then it will be ignored because they’ve seen it all before or something else is already doing it better.

However, if you can hit that sweet spot between the two extremes, then you can generate value from your idea because it will solve a problem or capture the imagination of the people who are ready for it.

An idea whose time has come is a truly great idea. Though coming up with one is not so easy, of course.

Good ideas are valuable

Great ideas are rare, so they become very valuable. And that value is why it’s worthwhile to constantly seek out great ideas.

Should you decide the world is not quite ready for your inspired thinking, don’t worry. The world not being ready now doesn’t mean the world will never be ready.

Keep a journal and make a note of all those flashes of inspiration. And add your journals to your library. Never throw your journals away. Go through them occasionally and see what ideas you’ve had for which the time might now be right.

Keep a journal

The real message today is: KEEP A JOURNAL.

Your journals could be a source of pure gold in the future, so make sure you buy quality notebooks that you can add to your library as you fill them with your thoughts and inspiration.

By keeping journals, you’re creating value. Value starts with a good-quality notebook, so it’s worth investing in quality.

And never, ever dismiss your ideas. They may not work today, but one day they may make you a fortune.

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Warren Buffett’s Top 10 Rules for Success to Inspire You

Warren Buffett Top 10 Rules for SuccessToday I offer you Warren Buffett’s Top 10 Rules for Success, dear reader.

If you want success, then it would be wise to listen to people who have already achieved some success.

Identify what they did to achieve their success and copy it.

If it worked for them, then it will probably work for you.

Now, there are few people more successful in their chosen field than Warren Buffett.

He offers you his ‘Top 10 Rules for Success’ in the video embedded here, and it’s worth your time to listen to him.

They are his top tips and I recommend them to you.

Warren Buffett’s Top 10 Rules For Success:

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Why you must earn before you spend

WHY YOU MUST EARN BEFORE YOU SPENDEarn it before you spend it. ~Author Unknown

If you want to build wealth, then developing good money habits is essential, dear reader. And if you’re a parent, then it’s a good idea to encourage your children to develop good money habits too.

In fact, if you can only give your children one piece of financial advice, then the best piece of advice is included in the quote above. Earn before you spend.

Far too many people today do the exact opposite.

People spend money they don’t have to impress people they probably don’t even like. The result is a burden of debt from which it can be very hard to escape.

Occasionally, we all want to buy those big-ticket items. A nice television; nice furniture; a nice personal computer, tablet, or smartphone; et cetera. Naturally, these are things we all want. The question is, does it make sense to incur debt in order to own these things?

My advice is to save the money first and then buy the thing you really want.

Financing arrangements are there to make other people rich. And by using finance, that almost always means you’ll pay a lot more for items acquired using credit.

The buy now, pay later deal usually comes with a high interest rate added. So inevitably, if you go down this road, you’ll end up paying a lot more than you would otherwise.

Yes, you’ll get the item quicker; that’s true. However, you’ll enrich someone else at your own expense. In what way does that make sense?

Now be honest with yourself; there really are very few things in life we couldn’t live without if we really had to, surely?

Look after your own interests rather than lining the pockets of other people while impoverishing yourself and your family in the process. That is today’s life tip.

Financial education matters, and the sooner you get one, the better.

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The advantages of work: Why you should take it seriously

Advantages of workThe advantages of work are many but often people fail to appreciate the importance of their work. So my question to you today dear reader is, how do you regard your work?

Perhaps for you, work is just a source of income but by no means your passion.

Maybe it’s something you must do simply because you desperately need an income but it doesn’t leave you feeling energized and motivated to do the best job you possibly could do?

Perhaps mostly you’re just going through the motions, doing the minimum you can get away with each day and longing for the weekend and time off.

Maybe you’re the sort of person who prefers to spend your time in the office chatting and drinking coffee with your workmates.

Does any of this sound like you dear reader or possibly a slightly exaggerated version of you?

If that’s not you and your work is your passion, or at least you take it seriously, then this article is not really for you.

This article is for readers who feel less than energised by the work they’re currently doing and those who need a timely reminder that there are good reasons for taking your work seriously.

Work is your livelihood:

If you’re not pulling your weight in your current job then you should know that it won’t have gone unnoticed. Just because your boss has yet to say anything doesn’t mean he or she hasn’t noticed.

And if you’re building a reputation for being a slacker then it’s only a matter of time before the company will find a reason to get rid of you, if you’re not careful.

You must appreciate that a business cannot carry costs that add little or no value to that business. That is, it can’t if its aim is to survive, at least.

Commercial reality will very quickly kick any business in the butt should its management fail to keep tight control on costs.

Companies are not registered charities.

Any costs must be covered by the prices charged. If a business bears unnecessary costs for long then the result will be pricing that is simply uncompetitive. And if the business isn’t competitive then it will lose out to the competition.

Think about that for a second. As a consumer, if Company A is selling a product at a lower price than Company B, where will you buy it? You’ll go for the best price every time. No customer loyalty will survive even a small saving in price. To believe otherwise would be naïve.

So if you’re not adding value then potentially you’re at risk of losing your job.

Your work is your livelihood, so losing your job could actually hurt you. In fact, the best way to appreciate your job is to imagine your life without it.

Work provides you with a sense of purpose:

The very essence of what work is all about is simple. Work is just doing stuff for other people in return for money. It gives us an income but it also gives us a sense of purpose.

Through work, we apply our skills and know-how to deliver an output or an outcome for someone else. That may be an individual or an organisation but either way, we are paid for what we actually deliver.

Essentially that’s the psychological contract we enter into when we agree to do work for someone else.

If we’re not delivering what we’re paid to deliver then we’re not doing our job properly. We are not fulfilling the psychological contract that is work.

Taking pride in our work is important too. Our sense of purpose should drive us to do the best we can with the skills we have and we should be constantly seeking to improve.

If we don’t love what we do at any given time then we should be looking for ways to change our mindset to take a more positive view.

If we view our work positively then we’re more likely to be energised by it and if we’re energised by it then we’re more likely to do it well.

Work is how we make a difference:

You must also recognise that there’s a big difference between being busy and delivering real results. Never confuse industry with effectiveness. The two are very different things.

If I’m paying you to paint houses then the only measure I will use to judge you on is how well and how efficiently you paint houses. I don’t really care how helpful you might have been to the electrician or the refuse collector.

Being busy doesn’t count for anything unless you’re busy doing the right things. Doing the right things is how we make a real difference. And surely we’d all like to make a difference?

Other benefits:

Having a job actually provides us with many benefits.

For a start the income it generates, allows us to put a roof over our heads and food on our table.

Managed carefully, the money we earn will put clothes on our backs and allow us to heat our homes.

And of course, it provides so much more too.

Having a job gives us status and our own income gives us a degree of independence and freedom.

All these things together improve our self-esteem.

And of course, work gives us a reason to get you out of bed each day.

Work is how we make a contribution to the society around us. Not just in what we actually do but also in the taxes we pay. That’s how we pull our weight and justify membership in the society in which we live.

However, let us not forget the camaraderie we enjoy with work colleagues. People are social animals and we need the company of others.

Yes, some of them will drive us nuts at times but mostly they’re good people just like us, with lives just like ours and with whom we can relate.

We share their laughs and we share their tears too at times; the good times and the bad times; it all makes life worth living.

Work allows us to engage with other people and that’s very important.

Your work can be your legacy too:

Work is what we do for other people and what we’ve done for other people is how we’ll be remembered long after we’re gone. So potentially your work is your legacy.

On that basis, whatever you do strive to do it well.

It might not seem much to you but it will matter to other people.

Have a sense of pride in your work whatever it is. It doesn’t matter whether you sweep roads or you’re a skilled heart surgeon we all have our place in society and we all have our contribution to make.

And whatever role you play, no one is better than anyone else.

Enjoy your work or keep looking:

It’s important you find a way to enjoy your work because you spend a third of each day doing it.

Sometimes it’s just a case of looking at your work in a different way in order to appreciate what you have. However sometimes even then for whatever reason, you’ll feel unhappy.

If you can’t find a way to enjoy your work then find another job. One more suited to your natural talent perhaps. However until you find the right thing, you must grit your teeth and do your current work to the best of your ability.

And never, ever just walk away from a job without having another one to go to.

It is ironic perhaps but it’s always much easier to find another job when you already have one.

Without a job, a potential employer might wonder whether you’re unlucky or just a loser. And usually, employers will be reluctant to take a chance on you if they’re unsure.

Conclusion:

The importance of work to our lives and our self-esteem should not be underestimated. So do the work you’re paid to do and do it well. Do that and success can be yours.

Don’t do your job properly and you’ll struggle to hold on to it for very long. Lose it and almost certainly you’ll regret it.

That’s the nature of work, it always has been and it always will be.

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How to build confidence and self-esteem

How to build confidence and self-esteemRealizing your full potential would be an excellent definition of success, wouldn’t you agree dear reader?

Unfortunately, that’s easier said than done, of course.

For many, if not most, people what’s going on in their head can be the greatest barrier to achieving their full potential. Could you be one of those people?

You want to achieve success but you’re full of self-doubt?

You don’t believe you’re worthy enough, perhaps?

Perhaps, you just don’t believe you can do it and generally, you find it hard to believe in yourself.

And then there’s that old chestnut from which we all suffer occasionally, namely the fear of being found out. The fear we’ll be rumbled.

Build confidence and self-esteem:

It all boils down to a lack of self-belief, a lack of confidence and low levels of self-esteem.

Ultimately all those negative thoughts prevent you from achieving your full potential and they’re a drain on your confidence and self-esteem too.

Negative self-talk not only drains your confidence, but it also drains your emotions and it can rob you of the energy you need to work towards achieving your goals and becoming the person you’d like to be.

And, let’s face it, becoming the incredible person you really could be too, surely?

Within us, we all have enormous potential.

That’s a fact that many people fail to appreciate.

We have so much to offer but for many people that potential goes unrealized.

Essentially many of us just waste so much of the potential we have to offer.

How to build confidence and self-esteemSo how do we become more confident and increase our self-esteem? Now there’s an important question.

The late, great Jim Rohn used to say, “Work harder on yourself than you do on your job.” And he was right, in my opinion.

The more you work on yourself, the more confident you’ll become and the greater will be your sense of self-esteem. It really can be that simple.

In the embedded video included below, Oprah Winfrey gives us her views on why it’s important to work on yourself.

And let’s face it, Oprah Winfrey is extremely successful by any measure, so she’s one person to whom we should all be listening, or at least those people for whom success is a goal.

If success is your aim, then listening to successful people on a regular basis is a very good idea. Find out a few of their secrets and copy them and you’ll be well on your way to achieving and sustaining success yourself.

This is an excellent video and I can recommend it.

Working on yourself:

If this video has ignited your curiosity about Oprah Winfrey’s ideas then she’s written many books and they’re all worth reading. You’ll find them all on Amazon.

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15 Things Poor People Do That The Rich Don’t

HABITS OF POOR PEOPLECan we learn from the habits of poor people when it comes to money?

Certainly, when considering what the rich would not do.

It’s a fact that the choices people make will affect the life they experience. That goes for money, as well as for every other aspect of their lives.

Quite simply our lives are dictated by the choices we make, whether we like it or not.

The video in this post makes some interesting observations about the choices made by people destined to remain poor relative to those who enjoy greater prosperity and the finer things in life.

Now you might feel that some of the observations made here are a little harsh on the less fortunate but actually, in my experience, the points being made are ‘bang on the money‘, if you’ll excuse the fashionable terminology dear reader.

I think you’d be wise to listen carefully and think about the underlying messages in the video and be honest with yourself.

Just think about it for a minute and I’m sure you’ll agree.

We enhance our value by increasing our knowledge and skills, rather than making sure we know who the latest fashionable celebrity is dating. Why would that matter to anyone?

Listen, learn, and make changes as necessary.

You don’t have to be poor but, if you are right now, then you need to start making some changes.

Nothing will change unless you do. Keep doing the same thing and you’ll keep getting the same result. Do what successful people do and you can be successful too.

Things Poor People Do That The Rich Don’t:

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What is grit and why is it important?

What-is-gritWhat is grit? I’ve heard this word a lot recently. And of course, the obvious supplementary question is, why is it important?

I’m referring to a term used in psychology to represent a positive, non-cognitive personality trait based on an individual’s perseverance of effort combined with the passion for a particular goal and a powerful motivation to achieve it. Allow me to explain.

Have you ever noticed that the smartest people are not always the most successful? Obviously, success can be defined in different ways but for most people, their measure would usually revolve around money and prestige.

If we take money as the measure of success, then you’d think the smartest people would easily come out on top of that score, surely? Yet you’d be wrong.

We hear stories frequently about college professors who struggle financially whilst at the same time tradesmen like bricklayers and plumbers become millionaires. How can that be?

Surely the smartest people have a natural advantage? Well, actually they don’t.

The people with the real, innate advantage are those with this quality known as grit.

So exactly what is grit? It is an inner steeliness. It is courage and resolve. It is a strength of character. It is drive and desire. It is passion and motivation. It is a willingness to persevere until the desired result is achieved. It is a determination to achieve a goal and a willingness to take calculated risks.

It is a fact that doing well in life depends on much more than academic ability and your capacity to learn quickly and easily.

Having those qualities is useful of course but in the absence of grit, you’d still be at a disadvantage.

Someone of average academic ability but with a shed-load of grit will be better placed to achieve real success in life.

What is gritPeople with grit intuitively recognize that life is a marathon, not a sprint.

They’re willing to experience failure because they know that failure is a temporary outcome, not a permanent position. And they’re willing to fail and then start over using the lessons they’ve learned from the experience.

So what’s the key to success? It’s the need to get grittier!

Angela Lee Duckworth makes this point admirably in this excellent TEDxTalk video and it’s well worth a few minutes of your time. It’s an interesting video and I think she nails the point perfectly.

That’s what I think but what is your opinion?

Could there be such an easy answer or is it all much more complicated? I’d be interested to hear your views.

Grit: The power of passion and perseverance:

Further Reading:

If you’d like to know more about grit and Angela Lee Duckworth’s ideas about the secret of success then read her excellent and Number 1 best-selling book Grit: Why passion and resilience are the secrets to success.

It’s well worth the cover price and you can take a look at it if you CLICK HERE

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3 things you need to know about money

THINGS YOU NEED TO KNOW ABOUT MONEYToday I’d like you to think about some things you need to know about money, dear reader. In other words, think about what it all really means.

It’s natural to dream about being rich, of course.

Most people dream about being able to buy whatever they want and go anywhere and everywhere they’d like to go, possibly even in a private jet.

The attraction of having that pot of gold is why a lot of people will chase every rainbow.

However, whilst money is necessary for sustaining life, there are some things you should really understand about money.

Here are three of them:-

Things you need to know about money:

1. Having money brings its own pressures:

A great fortune is a great slavery. ~Seneca

It’s reasonable to want to create wealth and build a fortune. As suggested above, you want to feel financially secure, don’t you? Why wouldn’t you?

However, being financially secure doesn’t mean you’ll have a life without problems and worry.

You’ll just have different problems and different things to worry about.

No one goes through life without problems. Dealing with problems and challenges is an inevitable part of human existence.

Put simply, having money brings its own pressures.

Once you’ve got money your biggest concern will be to ensure that you hang on to it.

Inevitably that means you can become a slave to managing your money, preserving its capital value and protecting your fortune.

Being wealthy may be a nice problem to have, but it’s no less of a problem for that.

So keep it all in perspective.

Things you need to know about money2. Money can never be more important than people:

We love to earn money, who doesn’t? It gets you things. ~Katie Price

Earning money is great and it does allow you to buy things you want and things you need. However money won’t take care of you when you’re ill.

Yes, it might enable you to buy in some hired help.

However, that’s not the same as having someone around who genuinely cares about your well-being. That someone for whom you matter much more than money ever will.

In my experience, whilst money is important, nothing in our lives matters more than friends and loved ones. Human beings are social animals. So only people matter to us really.

Never focus on money to the point where you neglect the people who should matter most to you. Forget about them and eventually, they will forget about you.

You can have all the money in the world, but you’ll have nothing at all without friends and loved ones.

Go out and earn lots of money by all means, and enjoy it too.

However, always maintain a sense of balance in your life and make sure that you allocate some time for the people who matter most to you.

An investment of your time in the people you love is an investment that will pay dividends.

3. Money is a precious resource so use it wisely:

A penny saved is a penny earned. ~Benjamin Franklin

I make no apology for repeating Benjamin Franklin’s money mantra, repeated frequently by generations of well-meaning parents to their profligate children. It’s as valid today as it was in his day.

Whether Franklin was referring to money saved when making purchases or money saved from income is not obvious in his statement but that doesn’t matter.

The underlying point is that you have to be careful with your money because saving money is the key to building wealth and becoming financially independent. No one ever got rich by wasting their money.

Money like time is a precious resource, so use it wisely.

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