Self-made millionaire: 6 biggest lies about money we need to stop telling ourselves (via CNBCMakeIt)
Most of us, at some point in our lives, will get motivated and decide: "Yes! I'm going to start keeping a budget!"
Instead of keeping a budget, I recommend creating what I call a "Conscious Spending Plan," a strategy that forces you to look to the future while also allowing you toSolution: Rent, groceries, student loans, utilities, etc. : Holiday gifts, vacations, down payment on a home, etc. By allocating your money this way, you can make sure you have enough to pay off all your responsibilities first. Then, any money left over can go towards your savings goals and everyday spending.
Put another way, would you ask your friend who failed his English 101 class for grammar lessons? Hopefully not. So why would you look at your ordinary friends — who make ordinary money decisions and end up with ordinary results — as role models?: Refocus your financial aspirations and strive to become like people who make conscious money decisions. Don't follow the examples of those who show off by spending more than they have.
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