Many times our personal finances are not simplified because we yes too often instead of a simple no thank you. We say yes to the many offers for discounts and additional purchases, which many times do not make our financial lifestyle any easier. For example, when making a purchase at a store, we are offered an additional discount on your purchase if you sign up for a store credit card. You have to ask yourself will that 10% or 15% discount on this purchase really make my financial life better. Probably not. Are the few dollars saved on this purchase worth the additional hassle over time. I would say NO.

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In order to simplify your personal finances, you must identify your financial ugly ducklings and turn them into financial swans.  What I mean by this is if you want to simplify your financial life so you can manage your finances better you must identify your bad financial habits which I refer to as your ugly ducklings and take action to turn this bad financial habits into a positive financial situation or what I refer to as financial swan.

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Is finding the time preventing you from simplifying your personal finances?  Simplifying your personal finances will enable you to  spend more time doing the things you enjoy.  If currently do not manage your time now, you may have a difficult time simplifying your personal finances.  So in order to simplify, you have to mange your time more efficient.  You can do this by setting up automatic deposits,  automatic debits and automating your bills are some of the ways you can manage your time more efficiently.

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Do you experience any of these symptoms when thinking about your personal finances: Read the rest of this entry »

The Super Bowl will be played in a few hours when my hometown Saints will face the Colts. To prepare for this big day each team has put in hours of preparation time so they can execute their game plan to win the game.  The Saints have designed a defensive game plan to stop the Colts and Peyton Manning from scoring while the Colts have designed a defensive game plan to stop the Saints and Drew Brees ( I hoping the Colts game plan does not work). Just like each Super Bowl team has designed their offensive and defensive game plans to win the Super Bowl. You should design your own personal financial game plan to help you simplify your personal finances so you can win the personal finance game.

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We all wish it would happen to us one day.  We dream what our lives would be like and all of the things we would buy and the vacations we could take.  But would winning the lottery really simplify your personal finances. It will help you paid off some debt and depending on the amount of money you win you may be able to quit your job. Will paying off debt and quitting your job solve your financial issues?  For some maybe.

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I am always discussing ways to help you simplify your personal finances.  But many times I hear so many excuses why someone has not simplified their personal finances.  I have decided to give up and stop trying to simplify my personal finances.  What’s the point of simplifying?  There are so many conveniences that I would have to give up  if I simplify my personal finances.  So here are my reasons why I have decided to not simplify my personal finances:

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How do I know if I need to simplify my personal finances? What should I look for to determine if I need to simplify my finances? Some signs stick out like a sore thumb while others are not so obvious. Here are some signs that are good indicators that you need to simplify your personal finances.

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In Brian Tracy’s book titled 21 Success Secrets of Self-Made Millionaires he describes the 21 traits that were found in self-made millionaires. This book was a good read and also made me think why can’t we apply some of these traits to help you simplify your personal finances.

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Which one of your financial habits do you wish you could break?  We all have habits we have developed over time.  Some habits we develop prevent us from living the financial life we desire or reaching the financial goals we set.

Here are 8 financial habits you must break in order to help you achieve your financial goals and objectives as well as begin to live a simplified financial lifestyle.

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