THE PROBLEM WITH MY MONEY

Have you ever been in a situation where you wanted to embark on a project so you decided to either save towards it or borrow money from somewhere or someone for it, only for you to have the said needed money for the project and later discover that you could no longer do the project because the money is either no longer enough or no longer available? And your next reaction may be to start wondering what the problem is with money that it just wouldn't stay in your hands? You conclude that you may never be able to embark on that project because you may never have enough money. If only you had more money than your original estimate.

Or you work quite assiduously to earn a living every month but your eventual take-home never seems to be enough. If only you had more money than you currently earn. Ah…there must be something wrong with money. It must prefer some people more than you. Money must run in the veins and families of others and not in yours. How come others can have it the way they want and you can’t? All you have are bag of stories to tell of how you didn't have enough for this or for that, or how you really can’t afford this or that because you don’t have enough. There must be a problem with money.

You are right. The problem with money is you!

Surprised? Please, don’t be. Haven’t you noticed that money can never leave your hand without your permission except it is taken away from you by force? Money cannot stand up from where you left it and walk away except you remove it from there yourself or if someone else does without your knowledge. Money will always move in the direction that it is made to move to. Nothing less, nothing more. Money doesn't spend itself to buy things, you do. Money doesn't spend itself to pay for anything, you do. Money doesn't spend itself to pay for a car, house, trinkets, jewelry, or anything else, you do.

The biggest problem with money is actually its owner or handler because it will ALWAYS take the likeness of the person in whose possession it is. Before you start protesting, please take this to heart…there are those who seemingly have very little compared to others yet they seem to be achieving more with the little they have. No matter the amount of money you have, you must take responsibility for it because EVERY amount of money has VALUE. When you recognize that every amount of money has value, you will treat it more with respect. And once you start doing that, the money in your hands naturally will take your likeness and subsequently also treat you with respect. If you stop being a problem, so also will your money. Change the way you look at money to change the way you treat money, and you are very well much on your way to riches and wealth.

And one of the best ways to show your respect for money is to put in place a structure or platform that will allow it to flow in the possible right way. My suggested structure is a BUDGET. And you need to make the effort to have a personal working budget; you owe yourself and your money that much.

With a very good budget in place, your money will only go to where it's meant to go. If you set up one that you will make concerted efforts to respect, you are guaranteed that your money will be safe. Don't forget what I said earlier....that, "Money can never leave your hand without your permission except it is taken away from you by force." So, control your money by preparing a budget; it's the right structure your money needs in order for it to be safe.

Please note that a budget is not just meant for the Federal, State or Local Governments in your country but for everyone who truly wants to have a sound sleep every night without the worry burdens of insufficient funds to live on. And a good budget helps you to shut the door on unnecessary spending and helps to open doors of opportunities instead.

The budget doesn't kill; it just helps trim your financial health and helps to give your finances some good balance. And with it, you can easily take proper stock of your income, expenses and cash flow (which is the reason for most of our headaches anyway, when we can't lay hands on ready cash to sort out what we determine as immediate or urgent needs.

So, the problem with money isn't money itself but you...as well as your lack of a good budget structure that will help you effectively control your money.

Please take out some quality time to pause and ponder on these thoughts. We shall continue next week.