Please read the disclaimer before you continue.

          Budgets don’t work. What? Then why the heck am I writing a post on how to create a budget? Budgets don’t work for the same reason diets, or new years resolutions don’t work. They appear to be too restrictive, oh yeah, and were lazy. We are inherently lazy and we like things to be easy rather than difficult, this includes me. I myself don’t like to use the “B” word, I prefer to call it “a guideline for money so that you don’t have to be a greeter at a department store during your retirement”. I’ll give some personal finance help and show you how to create a working guideline in 4 simple steps

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Please read the disclaimer before you continue

            I lied. I don’t know the tax rules that well. I just have a really good tax advisor. I will show you how I manage my money and got a much bigger tax return just by knowing the rules and taking advantage of them. The information in this personal example is Canadian based content as I currently live in Canada. Please check with your local rules and regulations, as they may be much different from this example.

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            Maybe you are like me, and want a financially free life. Perhaps you want to make or save a few extra bucks. Or what if you just want to manage your money better. No matter what your goal, it all starts with a single unit of currency, and the difference between the rich and the poor starts with the way they view that unit.

            This may seem like a waste of time to learn. And truth be told, when I started reading this stuff I thought it was a waste of time too. Only after reading countless books, going to dozens of seminars and listening to tons of CD’s, did I begin to understand this simple concept: before people become wealthy they start with a shift in their thinking, in the “way” they view money. The shift is usually quite subtle at first. Just think that one change in a thought process could have the potential to make you rich. And it all starts with that one unit of money. Read the rest of this entry