Most of the folk here who comment and whose blogs and sites I've linked have very much got things sorted, are kicking their own goals and have left their early mistakes behind ..... but that is not really why I blog.
Occasionally I get contacted by genuine folk who are in debt, hopeless with their money and generally sick and tired of it all - often they have all but given up. They often lurk here and on other better blogs and sites but feel disempowered or embarrassed to comment or reach out. This is why I blog - to pay it forward so to speak.
So, if you are in debt, rotten with money management, confused about how to get ahead, then this post is totally for you. Am I qualified to comment? Yep, I've been in that tough place too.
Three Things Before We Begin
Firstly, know that you will certainly succeed despite what you may be feeling or believing.
Next, know that change and success will occur via the accumulation of many micro changes.
Finally, know that the decision and responsibility for change and success must sit with you.
Understanding The Three Foundational Basics
The three foundation basics are:
1. Spending less - yet living better.
2. Earning more - even if it is just a little more.
3. Putting aside - either money or goods
So, don't overthink things if these three basics look unachievable - just know that these three foundational basics is all that you will ever need. I'm not just saying that to oversimplify things or to be kind ..... it is absolutely true, so I'll state it again:
Let's Get Started
Very simply, take action, micro-action preferably.
Have a think about a small action that you can do against each of the three basic foundation principles. It needs to be a small (micro) action only, but one that you can keep doing forever. By personally and quietly (even secretly) introducing three new micro-actions you have effectively laid the first three bricks in the wall of your success.
Here are some suggestions to get you to lean in and take micro-action:
Secretly make your own kitchen spray. Use your old brand-labelled spray bottles so no one knows the difference. HERE is the super easy method.
Earning more - even if it is just a little more.
While you are watching TV or having a coffee break, jump in and do some online surveys.
The ones I use daily are MyView, Octopus Group, Toluna, Pureprofile and Swagbucks. You'll be amazed how quickly the points add up across all five of these excellent Australian sites and you can convert them to cash or cards. NB: I only ever do these during sitting/rest/break/lunch times. Please do not be tempted use other times slots for this.
Also, this article HERE is also worth reading regarding these survey sites. There are a million scam survey sites out there, so this will save you the heartache and get you right onto the ones that are genuine.
Putting aside - either money or goods.
Here, we are only looking for small amounts secretly squirreled away. It does not have to always be money. Try this meaningful small action first as follows:
Study your junk mail and look for a product that you always normally use that is on special for 1/2 price. When you go shopping buy as many as you can afford without spending any more than you planned to whilst shopping - so buy at least 2, more if you can. When you get home put the extra ones away in a special place - this is the beginning of your own secret stockpile. HERE is a timeless article about stockpiling by Rhonda Hetzel to help explain the benefits thereof.
So folks, no heroics or huge showy acts of frugality please - instead do micro-actions only and always ones that you can keep doing forever.
I'm very happy to share more suggested micro-actions for the three foundational basics on a regular basis if you like - there are literally thousands of them. Over time, by taking three new micro-actions on board each week or fortnight you will most certainly experience your own version of rags-to-riches.
Lean in and give it a shot.
Take care folks and stay nice.