Random thoughts on debt an happiness

“There are really three amounts of money every person should decide upon: the yearly income he wants, now or in the near future, the amount of money he wants to have in savings and investments, and the amount of money he wants as retirement income, whether he ever retires from active work or not.” Earl Nightingale

Spend the money you have not the money you don’t have. When you borrow money you are spending the money you don’t have.

You cannot create wealth without a systematic plan to accumulate wealth. No matter how small or slow your accumulation of wealth it is extremely important psychologically to measure your progress of wealth no matter how slow or fast.

Most of our misery is of our own making. Nobody forced us (you) to spend money you don’t have. You borrowed the money through credit cards, banks, friends, family. I am a believer in keeping it simple. You got yourself into your present situation only you can get yourself out. Consider me an encourager for you to do it. I'm like a coach pushing and prodiyou along.

You can create your reality. The dirty little secret is you have created your current reality. This means you can change your reality. It means you now can deliberately re-arrange your life to suit yourself. Most people won’t do this. You can change your reality now. Just do it.

You cannot do better or out perform your self-image. When you decide to succeed you change your character, personality, self-image, and self-esteem. Invest in yourself, surround yourself with positive, successful people and find a mentor.

Finally, make your plan, execute your plan, and get out of debt now.

David…