Budget Like a Pro: Financial Freedom, #2
By Zoe McKey
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About this ebook
Are you desperate to make ends meet each month, constantly wondering if you can pay the bills?
If debts are poisoning your life and you want to make your dollar go 10X further, it's time to BUDGET. Unemployment has been high, debts are reaching record levels, and rent prices seem to be skyrocketing everywhere. Budgeting won't save the world but it will solve these problems for you.
It's time for getting financial awareness in your life to:
•Get out of debt quickly
•Learn to save a shocking amount
•Invest in your future
•Step on the road of financial independence and victory
Living alone from the age of 14, I learned to budget the hard way. Since my early teenage years, I had to earn and save my own money – which sometimes hardly exceeded $150. In this book I'm sharing my insights about how to manage even the smallest income to outlast the month. I will give concrete, actionable advice based on my own, and well-known financial experts' experience to help you acquire financial knowledge and habits that will last.
This book can help those who are just starting out their independent financial life just as much as it can help people choking on debts. I will highlight the most common money mistakes and myths people fall prey for, and teach you how to avoid them.
Take charge of your money today.
•The 5 biggest money myths and how to beat them
•5 ways to create a personal budget
•How to get out of debt
•6 tips how to stay out of debt
Learn the fundamentals of money management.
•Learn how to spend less and still enjoy life
•Learn how to save money – regardless of your income
•10 tips for women on how to improve their overall financial life
•30 quick saving, budgeting advice
Like it or not, money is part of everybody's life. Learn to control it instead of letting it control you.
You can turn a blind eye on your financial problems but they won't disappear. Learn about the best personal finance choices today so you can live a financially balanced life in the future. Build a solid foundation for your family and yourself.
Being better with money changes the rest of your life. Imagine not worrying about debt, bills and late payment fees anymore. Follow the tips presented here and it becomes reality.
After reading Budget Like A Pro you will be able to hit short and long term financial goals, plan your escape from debt, set up savings accounts, regardless if you're just out of college or you're in your 40s and you're desperate.
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Budget Like a Pro - Zoe McKey
Budget Like A Pro
Manage Your Money, Pay Off Your Debts, And Walk
The Road Of Financial Independence
Personal Finance Made Easy
Zoe McKey
Communication Coach and Social Development Trainer
zoemckey@gmail.com
www.zoemckey.com
Copyright © 2017 by Zoe McKey. All rights reserved.
No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without the prior written permission of the author.
Limit of Liability/ Disclaimer of Warranty: The author makes no representations or warranties with respect to the accuracy or completeness of the contents of this work and specifically disclaims all warranties, including without limitation warranties of fitness for a particular purpose. No warranty may be created or extended by sales or promotional materials. The advice and recipes contained herein may not be suitable for everyone. This work is sold with the understanding that the author is not engaged in rendering medical, legal or other professional advice or services. If professional assistance is required, the services of a competent professional person should be sought. The author shall not be liable for damages arising herefrom. The fact that an individual, organization of website is referred to in this work as a citation and/or potential source of further information does not mean that the author endorses the information the individual, organization to website may provide or recommendations they/it may make. Further, readers should be aware that Internet websites listed in this work might have changed or disappeared between when this work was written and when it is read.
For general information on the products and services or to obtain technical support, please contact the author.
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Table of Contents
Chapter 1: Money Myths
Chapter 2: The Debt Epidemic
Chapter 3: Budgeting Essentials
Chapter 4: Getting Out of Debt
Chapter 5: Spend Less
Chapter 6: Savings
Chapter 7: How to Create a Budget
Chapter 8: Advice for Women
Chapter 9: 30 Quick Financial Tips
More Books By Zoe
Communication and Confidence Coaching
Endnotes
Chapter 1: Money Myths
Let's take a moment to talk about what money myths are. As you grow up, you are constantly fed different ideas about money and finances. Since finances aren't often taught in school, you are left mirroring what your family has told you. And unfortunately, our families often aren't the best examples of how we should build wealth. Unless you grew up in a wealthy household which made great financial choices, mirroring your family’s financial path can lead to you having a negative view of how money works.
The secret to making your wealth is not the amount of money you have, but the mindset toward it. Let’s put this into perspective ...
If you were a billionaire who’d lost almost all of their money, but was left with two million dollars, what would you think? You would think you were poor! Two million seems like a huge amount of money, but compared to billions, it is nothing. If an actual billionaire lost all his money, he wouldn’t think he was poor. He would think of strategies to recreate his wealth. This is what we call a millionaire mindset. Money is just a tool; the real power resides in the knowledge of how to create money.
Most people believe having a few thousand dollars is successful. If you want to be wealthy, you need to change your mindset about money.
We'll talk about money expectations a little later in the book, but for now, let's steer back to how money myths can hurt our wealth and lead us further into debt. Day in and day out, we tell ourselves lies to justify our bad financial decisions. Below, I will highlight some of the most common money myths we all find ourselves using.
It was on sale.
One day, I went out shopping with my friends at the nearest mall. I wasn't really expecting to buy something, because at the time I was working a few jobs and just trying to stay afloat in terms of money. Knowing that if I bought another new top my roommates would hound me, I just went to enjoy the company of my friends.
We were walking through the mall when my friends started getting really excited. I looked in the direction they were staring and found the sign: Big Sale, Up to 75% off!
I immediately went to the store with them and started looking through the racks. When I found a dress I had been eyeing in the window, I looked at the price tag.
It was originally $200, but was now on sale for $50! I could not pass up the deal and quickly purchased the dress.
Looking back on that incident, I realize how stupid it is that we all purchase so much stuff on sale. This is one of the greatest traps in our financial lives, and yet we all do it. Look around your household and in your closet. How many things did you purchase not because you needed them, but because they were on