You are a very hardworking individual.
You work 2 jobs, never called in sick, doesn’t take a day off(barely).
You’ve been doing that for years, but nothing seems to change in your financial situation. You don’t even have enough money in your bank account for the rainy days. You’re still living the same life as you did 10 years ago. You keep on asking yourself, what am I doing wrong? What can I do to improve my finances?

Hey reader, can you relate?

We always hear or read about this quote from our friend Albert saying “Insanity is doing the same thing over and over and expecting different results.” I’m not saying that we’re insane, but good old Albert has a point. We can’t be doing the same thing and expect a different result.
We have to mix it up. It’s time to step up our game by improving our financial mindset.

Let’s start with your financial input mindset.
Do you always think or say that you are poor, you don’t have enough money, you can’t afford this or that? That mindset needs to change.
You need to change your financial input to improve your financial output and in order to do that, I made a list for you.
1. Read books. Not just any books but financial books and business books
2. Watch webinars. If you’re in debt you can go straight to financial literacy sites. This one’s my favorite.
Lastly, get a mentor. You don’t have to personally know that certain person. Just choose anyone to follow, heck you can even subscribe to a bunch of mentors. The internet has a sea of financial gurus and mentors. Just watch out for fake ones. My wife and I always recommend Robert Kiyosaki.

Change your financial habits.
Do not make a purchase when you are hyped by emotions. What are these emotions?
1. Excitement – This type of emotion can make you buy something in a hurry that you may end up regretting after a very short time. Pro-tip, If you want something, give it a month or two before buying it. If you still want it, buy it. You’ll most likely end up not liking it anymore.
2. Happiness – We like to reward ourselves. May it be a vacation, an expensive piece, or just an impulse buy disguised as a reward.
3. Anger – We always do this every time we feel bad or mad. Remember the term “stress shopping”? That has to stop.
4. (Not an emotion, but still valid) Do not shop when you’re hungry
Try this experiment. Eat a good meal before going in. You’ll be surprised that you only have what you need or what’s on your list in your shopping cart.

Change your financial priorities.
1. Stick to your budget – This is as basic as breathing. Create a list of things that you should prioritize to spend or pay and stick to it.
2. Track your spending – “Where did my money go?”
Have you ever asked yourself this question? Stop wondering, Track your spending. There’s a ton of paid and free spending tracker apps on Playstore and Appstore. Utilize that technology and you’ll never ask that question again.
3. Prioritize savings over rewards – After paying all your bills, rent, mortgage, etc. and you still have money left? You will be faced with 2 questions. “Should I splurge” or “should I save”. You don’t always have to choose the latter, just make it a priority.
4. And finally, INVEST. After reading all the books, watching webinars, and a couple of seasons of Shark Tank, you should have an idea of how to make your money work for you. I will not tell you what to invest in, because I trust that you know exactly what to do.

Goodluck reader,