Achieve your financial goals by following these 3 money rules. Get the Money Girl book at http://MoneyGirlBook.com
Money Girl
224 MG Three Money Rules You Should Never Break
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Hi, everyone. Thanks for joining me on the Money Girl Podcast. I'm Laura Adams. I've got a quick announcement before we get started. To celebrate financial independence, this July 4th, I'm giving away a stack of personal finance books. Some will be signed copies of my book Money Girl Smart Moves to Grow Rich and some will be from other personal finance authors. Here's how you win. Connect with me on Facebook, Twitter, or join the new LinkedIn Money Girl Personal Finance Group and you'll automatically be entered in each drawing for a minimum of 10 books. If you're on all three networks, you triple your chances to win. To find me on Facebook, just do a search for Money Girl. On Twitter, my username is @LaraAdams and on LinkedIn, search for Money Girl under the groups category. We'll be discussing a different financial topic each week on LinkedIn, so please join the group so you can post your questions and comments or just learn from the ongoing discussion. I'll announce the book winners right after the holiday. As I see it, there are some fundamental rules to the game of money. If you follow them, you'll see a positive momentum start to build with your money. But if you break the rules, you can be certain that money will subtract from your happiness rather than add to it. In this podcast, I'll discuss three money rules that are critical for your financial success. Money rule number one, maintain a positive attitude. A positive attitude is more important to your financial success than how you look, the amount of money you did or didn't inherit, your level of education, your skills, your job, or a lucky break. That's why it's the first money rule you should always follow. Success in life isn't about what happens, it's about how you choose to react to what happens, your attitude. Even if you learn a lot about money management, but you don't have a positive attitude and believe in yourself, you'll only achieve a fraction of what you could have achieved otherwise. Money rule number two, be disciplined. The second rule that should never be broken is to have discipline. Discipline means being committed to doing what you need to do in order to get what you want. For instance, having the discipline to always pay your bills on time, to save for the future, or to avoid impulsive spending, will invariably get you closer to making your dreams a reality and achieving financial freedom. If you're like most people, you procrastinate money management tasks, like reconciling bank statements, monitoring your investments, or checking your credit report. Here's a way to work through it. Set a short time limit, like 15 minutes, where you make yourself do whatever it is you're procrastinating. Knowing that you can stop doing a dreaded task after only 15 minutes is usually enough to get you motivated and allow you to make some progress. Once you start the task, you'll realize that the fear or whatever it was that was keeping you from getting started was totally exaggerated, and you can easily continue and finish the task. Sometimes it's fear, or rather than the task itself, that's at the root of procrastination. You've probably experienced this, right? So take a baby step by committing just 15 minutes to tackling what you've been putting off whenever you're disciplined begins to waver. You spent over here. Now at T-Mobile, get four 5G phones on us and four lines for $25 a line per month when you switch with eligible traders, all on America's largest 5G network. Minimum of four lines for $25 per line per month with auto paid discount using debit or bank account, $5 more per line without auto paid plus taxes and fees and $10 device connection charge. Phones would be a 24-month in bill credits for well qualified customers, contact us before canceling entire account to continue bill credits or credit stop and balance on a required finance agreement to bill credits and if you pay off devices early, ctmobile.com. We could try to explain what it feels like to get your work done on a John Deere. The way a Z-Track mower finishes in half the time you thought it would or how much easier it is to move mountains of soil with a one-series tractor. We could even go into detail about how it feels to tow up to 4,000 pounds behind a Gator XUV. But if you really want to know what it's like to run with us, you just have to get in the seat. Learn more at jondere.com/getintheseat or visit a dealer near you. I love learning and anything that makes learning easier. If you're a parent and your child needs some homework help, then Ixcel is a right for your family. Ixcel is an online learning program for kids covering math, language arts, science and social studies. Ixcel has interactive practice problems for topics from pre-k to 12th grade and everything is organized by grade and subject. As kids practice, they get positive feedback, awards and explanations for wrong answers. Ixcel figures out what your kids need more help with and recommends more topics to practice. Their videos, lessons, sample problems and learning games too. One subscription to Ixcel gets you all subjects and all grade levels. Membership started just $9.95 a month. It's no wonder Ixcel is used in 95 of the top 100 school districts. I think the positive feedback that Ixcel gives is really crucial when it comes to learning. So make an impact on your child's learning. Get Ixcel now and money girl listeners can get an exclusive 20% off Ixcel membership when they sign up today at Ixcel.com/moneygirl. Visit Ixcel.com/moneygirl to get the most effective learning program out there at the best price. Money rule number three, know your goals. In order to be successful, you have to understand exactly what success means to you. So the third ironclad rule of money is to know your goals. Make a list of your major financial goals with the highest priority items at the top. Maybe you want to retire early to start a business, send your kids to college or buy a home. Creating a written financial plan is the starting point for success. The next step is to fund your financial goals. This can be tricky if you don't have a handle on your cash flow. What I found is that most people don't really know where their money goes. Plus, half of the people who think they live within their means really don't. You've got to know how you actually spend your money in order to set aside enough of it to accomplish your financial goals. That's why it's important to create a monthly budget so you can compare your actual spending in various categories to your spending goals. You don't need a degree in finance to be financially successful. If you have a positive attitude, are disciplined and know your goals, you can create dramatic improvements in your personal finances that will allow you to achieve financial freedom. This podcast was written by Ted Hunter, the author of Money Smart, how to spend, save, eliminate debt and achieve financial freedom. To learn more about Ted's financial coaching services and money management and investment advice, visit moneysmartonline.com. Remember to pick up a copy of my new book Money Girl Smart Moves to Grow Rich. It tells you what you need to know about money without bogging you down with what you don't. You'll find the paperback or the ebook version at your favorite bookstore or online retailer. And when you sign up for my newsletter at smartmoves2growrich.com, you can download two chapters from the book and get other free gifts. Do you need to sharpen your math skills? Jason Marshall, who is the quick and dirty tips math dude, has a free new ebook called Why Math Isn't An Awful Nerd. Through puzzles, patterns and games, he explains exactly how numbers work. Download your free copy of Why Math Isn't An Awful Nerd from Amazon, Barnes & Noble or iTunes. I'm glad you're listening. Cha-ching. That's all for now. Courtesy of Money Girl, your guide to a richer life. And welcome back. It's peanut buttery. It's chocolatey. It's the flavor merger America craved. That's right, the peanut butter group and chocolatey corp have become one. With chocolatey corp bringing indulgence to the table and peanut butters eat any time ability, it's easy to see how their jiff peanut butter and chocolate flavored spread will revolutionize snacking. 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