Many of your financial problems are thrust upon you by greed. I believe in the system, but corporate greed is always on the lookout for more ways to reach into your pocket, leaving as little as possible in exchange. The greed of banks sucks the money from your pockets. Wall Street's greed never gives the working stiff a chance. It is as though having more is not enough for them. They want even more than that. Government's greed, or should I say politicians' greed, tilts the game against you. Then, they take a big chunk of the money you earn and give some of it back to the banks and Wall Street. They waste much more of it leaving the public in the lurch and pat themselves on the back for doing such a great job. It shouldn't be a big surprise that somehow they get richer and you become poorer. Welfare for the poor is minuscule compared to corporate welfare which goes right into the pockets of the greediest and wealthiest among us.
Let's be honest with ourselves as well. Our own greed plays a major part in destroying our financial well-being too. You were influenced by all the lies that were forced upon you without your knowledge, but in the back of your mind you knew that it couldn't be right and something was out to get you. You paid no attention because it felt good and were caught up on some level of the game.
You can't have it all. You can't have it any time you want it, but you sure tried. Many tried hard even though they probably knew that they really couldn't afford it. You just wanted to feel good about yourself. Much of that was thrust upon you by greed, ploys, cons and gimmicks to get you to spend an enormous amount of money when you didn't have to and couldn't afford to. You just felt that you had to so you would be happy or at least be happier. What then happens is that it takes the chance you have of attaining happiness and diminishes it so that it can seem out of your reach. That's how it works. You bought into it. You're a member of a big club. I was right there with you.
Some of us didn't even have the opportunity to try to feel good by overspending. That made many miserable simply by always wanting and never believing we could have even a little. That's a lie too. You just need to know how to manage money and your limitations. You also need to be An Intelligent Consumer so you can feel like you're in the game by having more spending power.
Defend yourself against all that you are up against. Knowledge is the key. Why wasn't this taught in high school? Put in the time and effort to become An Intelligent Consumer and forget living above your means. Use money very wisely to get the most that you want. Then, you have done something to help yourself by protecting yourself from the forces of greed. Then, you have actually taken matters truly into your own hands and stopped that "blame game." Then, you'll have at least a chance of becoming happy. It is our basic right to pursue happiness.
As An Intelligent Consumer, you'll live far better than someone with the same income that hasn't a clue. Those that wish to usurp your financial well-being while enriching themselves will have a harder time trying. The forces of greed have little power against free will guided by knowledge. Remember, you're the boss. If the general public at large were all to use the recommendations in this book, they would literally change the way stores do business. They would change the way advertisers advertise. They would put banks on alert. Most large corporations would need to regroup. They are all nothing without you. This would all be to the public's financial benefit. However, you must be aware and forever vigilant. Madison Avenue, banks, and retail board rooms will not let having your guard down go unnoticed.
"Money does not buy happiness. It's merely the lack of it which brings us much of our misery." Leon Forte
After much trial and error, and continually changing my experimentation, I knew that I finally had it right. This was confirmed by the fact that I had everything I needed and much of what I wanted without a large income. My money was going almost twice as far as it did before. I put in time and effort but very little sacrifice. I was beating inflation and combating poverty in a way I never thought possible. I have placed it all in this book for everyone to read and practice.
According to Webster's Dictionary, the origin of the word frugal means "to enjoy."
The meaning of thrifty is "thriving by industry and frugality, prosperous, growing vigorously, given to or marked by economy and good management."
Webster's defines the word cheap as an adjective, meaning "of inferior quality or worth as in cheap workmanship." Finally, it also means "stingy" as in "my cheap uncle."
Being frugal is not being miserly. In fact, it is quite the opposite. It's being generous with oneself. It is being intelligent enough to live well with very little sacrifice while becoming financially secure with the income that one currently has.
Being cheap means sacrificing needlessly and missing the many great pleasures of life because you will not spend, even if you have hordes of money. You buy inferior products. You do without many of the good things in life unnecessarily. You do not have the wonderful pleasure of giving and making someone happy, including yourself. Cheap is bad.
Being frugal means that you can afford many of the things you otherwise could never afford and still live within your means. Your money goes a lot further. It's having most of what you want with more money in the bank than you would have had. You can be generous without having to do without something yourself. It means that regardless of what you earn, you live better for a lot less. Frugal is good.
Instead, many of us attempt to create happiness by being spendthrifts and wind up creating more financial problems for ourselves, which results in more misery. There is no reason to have to impose unhappiness on ourselves unnecessarily.
My objective is to show you an opportunity that you already have in your possession, even though you don't realize it, so you can help yourself financially. I will explain how you can live better due to more spending power with the income you are earning at any given time. If you follow the advice given here, you will live a lot better for a lot less. You will rarely go into your wallet and find it empty. You can do this without changing your lifestyle, except for the better. All you have to do is have the will to learn, discipline to practice, and make some personal adjustments, which will easily become second nature in a fairly short period of time. There are very few sacrifices to be made. You'll simply need some "stick-to-it-ness." That simple yet profound saying by an unknown author is "right on the money," "Watch the pennies, and the dollars take care of themselves."
How About a Raise
If your boss were to offer you a $10,000 annual raise, but you needed to learn and understand a bit more information and work a few more hours a week, would you want it? If the answer is yes, the information you have in front of you will show you the equivalent of how to have just that without actually getting a raise in salary.
There are many people who are thrifty and already apply much of what is written in this book. However, most do not keep a log of stores, products, and prices. They do not actually keep a record of their savings so they can review their progress or study their observations regularly. Many do not put a specific portion of their savings into a bank account. A few people may have rudimentary knowledge about some of these techniques but do not put them into practice. The key is to apply and use all of them most of the time for optimum results. Even using just a few of these techniques on a regular basis will increase your spending power substantially. Much that is written here is common sense. We just don't have the sense to commonly use it. Hopefully, as it is shown to you, a light bulb will turn on in your mind.
Most people have no idea how or where to start. Even some of the most knowledgeable people do not realize what is directing them to spend more than they have to. This book will instruct and guide you in the right direction. It is your reference in order for you to practice and understand the importance of becoming an educated shopper. This really boils down to a different way of thinking as a buyer. You will become a truly educated consumer. It actually becomes life changing. At first it may seem overwhelming. Then it leaves you wondering why you felt overwhelmed.
An extra $5,000 to $10,000 a year would change the way most people live. It could certainly change the way many working class families' finances look. If the total savings averages $5,000 a year, most people would think it's worth spending time to learn the equivalent of being a professional bargain hunter. You can save much more money than that. You will not be cheap; you will only be thrifty. You will still enjoy all or most of the same goods and services you are currently using, provided they are within your means. You will simply educate yourself on pricing, reeducate yourself on spending, and deprogram yourself on branding.
When you first put everything here into practice, please be patient. The longer you practice, the better you will become and the more money you will save. After a period of time, you will have all the required information needed to become completely knowledgeable and at ease with this way of purchasing what you want. That is when your pocketbook will show you a real difference. It will not take very long for this to happen, but the major changes will not be instantaneous. When the changes come, they will be permanent. You will have learned how to "fish."
It is kind of like a rocket. It starts off very slowly, as if it's struggling to get off the ground and about to fall. Suddenly it is moving fast and easy, and you can see that nothing is going to stop it. Before you know it, it is hurtling at a fantastic speed. Then, in what seems like no time at all, it's in outer space.
Start this learning process slowly. Using these techniques, learn more about prices and where to find the best places to purchase certain items. You may feel like you are going to fail, but continue with it. Then, it becomes a lot easier and you can go at a faster pace. You will get to the point where nothing is going to stop you. Before you know it, you've got it. You're an expert.
There is no time limit to learn how to use the information in this book. You do not need that much extra time or need to go very far out of your way to accomplish it. You learn it at your own pace during the normal course of your life.
Let me state right here and now that this will take some effort. This does not happen by osmosis. What you put in, you will pull out multiplied over and over again. The longer you stay focused and apply what is taught, the less foreign it seems. This shopping method will appear out of the ordinary now because you never shopped in this manner before. This is really not any fault of your own. Believe it or not, you are a victim of the professionals whose job it is to make sure you are not acting efficiently so they can obtain more of your money. That is not a conspiracy theory. That is a fact about which these pages will enlighten you.
In the words of perhaps the greatest founding father of the United States, who indisputably knew what he was talking about, Benjamin Franklin, "A Penny Saved Is a Penny Earned." In case you don't realize what that really means, if you spend less than you have to for something, it's like earning more money, which is that money you've saved.