People living paycheck to paycheck often complain about how bad their finances are and how they “really should do something.” When offered a viable solution, however, the typical responses are something like:
"I'm too busy"
"I don't have the time"
“I’ll do that after I’m done with ___________” (fill in the blank with any handy project, event, or medical/family crisis)
Complaining and procrastinating about money troubles becomes a habit. Financial procrastinators get stuck in the rut of rationalizing their financial woes instead of putting in the time and effort needed to gain control of their finances.
Since you are reading this, the assumption is that you are at least curious about finding a way to manage your everyday money that can work for you. That’s a good start. Hopefully you are also open to learning about a better way to manage your everyday money that is very different from any other methods you may have heard about and possibly tried.
Going from zero effort to spending a little time each month staying on top of your everyday money as described in this digest involves a learning curve. You will be learning new terms and techniques, as well as how to use new software. You will also be spending the time up front to gather together all of the information about your household finances needed to start building your solid financial foundation.
If you are willing to put forth the effort, your reward will be enjoying the financial peace of mind that may have been eluding you. Getting there begins with where you are now: by looking at the day-to-day money activities that you are already doing and when they happen.
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