“Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.”
-Dave Ramsey
In the modern age of commercialism, it is easy to fall into the trap of overspending. This problem is especially true for Millennials, who are already facing a difficult job market, compounded with the problems of staggeringly high student loan debts. Regardless, Ramsey’s words still persist. No matter how much our salaries or paychecks total, we must decide to continue taking steps forward to a brighter future and enrich our lives, rather than living day to day in a state of stasis.
It is extremely important we allocate money each month to give back to our fellow man. Some say five percent, some say ten percent of our net income. Even if it is just one charitable act a month, it will impact your life. Pay for the person behind you next time you’re at a drive-thru, or when you’re at the checkout counter at the grocery store with three-dozen items, pay for the guy behind you who only has a carton of milk so he can be on his way.
These actions change our outlook on the world and bring more positive experiences and happiness. And never forget to invest a portion of your income so you can actively increase the money you have and save for future larger investments.
Try and put ten percent into this one. This is something to make sure you fit into your monthly budget.
