One of my favorite visualizations is a piggy bank … and I just love to feed the piggy!
Though it sounds like a fun and simple activity, what I have come to realize is that many people do not understand that it requires discipline to regularly and systematically take a percentage of their hard-earned money out of their paychecks (or other sources of income) and put it aside, i.e., save it!
Marketing the American Dream
The extended entities that make up the financial industry are often composed of credit card companies and the advertising conglomerates that try to sucker each and every one of us into buying into “The American Dream.” What most folks don’t understand is that holding onto their money is all that’s necessary to bring them power to control their own lives.
Every day we are inundated with commercials teasing us, convincing us, assuring us that we deserve to have a better car, a modern house, and designer clothes. We simply can’t live without these latest status symbols — we deserve the latest, greatest, shiniest, gizmo and doodad and thingamabob — and we must have them NOW!
So we are offered credit cards and in-store purchase plans.
And, IF our credit is in good standing, we are even tempted with zero interest for a period of time. Why, you can even have a whole house full of new furniture and not make a single payment for … Ooooo! Ahhhh! … one or two years from now!
The truth is, even in this mystical, magical, 21st Century “World of Tomorrow” you still can’t get something for nothing. There is always a catch, and it always ties up every cent you make … which makes putting something aside for a rainy day next to impossible.
Money gives you personal power
The more you have, the more you are in control of your own life.
Simply saving 15% of your paycheck each month will create a habit of money management that will change your life from one of lack to one of success.
Here’s the (simple) trick: you must learn to stop chasing your dreams of possessing things and start saving the money that will make your dreams come true!
With this known and understood, we can now feed the piggy! Simply put 15% of each paycheck into a piggy bank … or a box or jar. Keep it somewhere safe, but make sure you will not remove the money. Cover it with encouraging notes, like “My power grows with money!” and “With each clink and crinkle, my dreams will be realized!”
After a few months of saving you can reflect back and realize your lifestyle was not altered one bit by this diverted 15%. You still paid your rent/mortgage, utilities, insurance, car payment, and fed and clothed your family.
And how did you do it?
You put a small portion of your income away for your future instead of into the pockets of marketers and credit card companies.
Once you are in the habit of saving you can develop your dream plans. Write out all the things you want in life. It matters not how inexpensive or expensive … just write everything in a journal. Continue this process for a week. Then go back and place a time frame by each item. It could be days or months or even years to save the funds needed to bring your dreams to reality. Be realistic.
Now go about your life continuing to feed your piggy (whatever form it has taken), knowing this simple act is altering your life for the better, forever, and allowing your dreams to come true.
Let’s have a conversation
Let’s get together, face to face. I will help you experience — and understand — how your money will grow in the world of long-term investments. Let me show you how much fun it can be! Call me, Vicki L Wille, today at 702-878-9562.
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