Man creates habits and habits create the future. Money can be good because it allows you the exact lifestyle you desire. By slaving away working at a place you don’t like to earn money makes it bad. Proper money management is the simplest way to understand personal finance basics

When trading in a high volume and quick moving market, traders will wish to be aware of how swiftly stocks can soar or drop. I believe that this analysis is absolutely correct. It has been well documented in the field of social psychology that the primary motivation for a holiday or vacation is one of pleasure seeking – the pursuit of emotional arousal. As a result, the life blood of their business dries up and all too often the business is unable to continue to operate. People want to ‘get away’ and even though there are so many choices – the way the brain works through the decisions to spend money is pretty much the same for everyone

The book doesn’t say “Work Hard and Grow Rich”. For an employee who doesn’t like what he’s doing and only get paid very little, everything is “hard work”. DO NOT use credit cards. Speaking of credit cards, cut them and use them as picks, small coasters, ice scrapers, etc

In matters of personal finance planning, it is important to work with a personal finance spreadsheet, or a family budget worksheet. Better still to subscribe to a personal finance budget software, preferably online for ease of use. Another way to overcome doubt is to picture the situation as a movie in the mind

Spryka Desktop Budget is a free personal finance software for Microsoft Windows. It even discusses how you can “outsource” your life! The 4-hour workweek is easy to read. For employees, it offers practical tips on how to negotiate with your boss for a work-at-home arrangement. It helps you to analyze your spending and savings habits

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