It is the end of the pay week and you are wondering again where on earth you money went? To top it off you didn’t kick that savings goal again.

Why is that? Well it appears that instead of attracting money to you, you are repelling it. It may sound funny at first, however your belief system around money has a lot to do with this. We touched on our programming around this through growing up, you know the messages ‘money don’t grow on trees’ and the ones that tell you how hard it is to get money, but let’s look at
those beliefs that will tell you that people that have money are crooks, or they were just lucky.

Whilst the first lot of subconscious beliefs will make it hard for you to bring money to you, the second type will make you spend it fast! You don’t want to be a ‘crook’ after all!
Before you sit down and figure out where you spent your money, I’d suggest you first think about the messages you received growing up. Now write them down and look at them, do you believe any of them to be the real truth?

There are trillions of dollars in circulation every day! All you have to do is understand that the universe would want you to have your share, all you have to do is put your hand out in to the flow of all this money and grab your it! And your share is as big or as small as you allow it to be!

I am only encouraging legal money making activities here, you will find that those are the ones long lasting. Especially if they are designed to solve problems for others!
In the meantime let’s turn those negative beliefs around into positive affirmations so you can recondition your brain and start manifesting your wealth. Be grateful for what you already have, and let’s open the flood gates for more!

Once you have worked on your mindset around money let’s examine your spending habits. Here are a few pointers that will help you deal with that.

1. Prepare a budget – You may have heard this but a budget can be a great eye opener on how much money you actually need for your day to day living. Put down all your household costs; rent or mortgage payments, utility bills, food, school fees, transport cost etc.

To ensure you can always cover these on time, you could even set up a separate bank account for these that you put a set figure into each pay to cover these costs.

Don’t forget to allow some money (approx. 20% of your total income) for spending on what you want. You could also set up a ‘slush fund’ account so this is kept separately from your living costs, ensuring that you don’t spend more than you have allocated to this purpose. It is very easy to buy the next pair of designer shoes or watch!

2. Track your spending – Now that you have a budget set up a tracking system, over the next 4 weeks write down every single cent you have spent. Are you sticking to your budget? It is even better if you do it for a year, as it will highlight any increases in living costs.

3. Ask for a discount – You can ask for a discount from your bank on your mortgage rate, it can save you thousands! But not only that, you can ask for a discount actually buying real estate, or cars, even furniture.

4. Focus on paying of your bad debt first – If you have a credit card, pay it off ASAP. If you can make extra repayments to pay it off quicker. You can then roll these payments on to your car loan, and then on your next loan in line.

If you are not sure if the debt is good or bad, ask the question – is this debt giving me a tax deduction? If not pay it off as quick as you can it is draining money from your back pocket!

5. Pay your mortgages weekly – banks calculate interest on a daily basis, so why would you pay monthly? Fortnightly payments alone can take about 10 years off your home loan, so why not take that further. That one phone call to your bank can make you thousands!

6. Cut bad habits – Do you smoke? Do you buy coffee daily? Do you buy your lunch out daily? How much are you spending on alcohol each week?

It is amazing how much people have been saving by giving up their bad habits! $3 a day for coffee may not sound much, but it does add up! Over $1000 per annum in fact, I know that around here I can go on a week holiday overseas for that and still have money to spend when I get there… what could it buy you?

These are just some basic ideas, you may have heard of them before, it is because they have been proven to be working. So why not give them a try, and if you take the time to review your emotions about money as you receive it or spend it, you will also find a lot out about yourself!

Not only your bank balance could grow, but also you as a person!

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