Stop Borrowing Money
Borrowing money from your friends, your neighbors, or your family. Its destroying your relationships and your not learning from it. We need to learn life lessons from the situations we put ourselves in. When we let other people do our homework growing up we let other people do our thinking, and then we wonder why we are forever asking for someone else to solve our problems.
Do you need work or a job?
Most of us can work for someone else and we can do that in the surroundings of an employer relationship or in a freelance relationship. I was taught young to look for work. I cut grass and washed windows for people every summer growing up as early as 10 or 12 as I recall. I had up to 7 lawns I would mow and rake the grass up. ( we raked grass in those days) and then through out the week I would do my homework after school and as soon as I was done I had a goal of washing windows of two houses before dark everyday after school. When I was growing up there was no Internet or cell phones.
I learned to find work long before I was allowed to get a ‘job’. State law said you had to be 15 to get a job. I had to go door to door, but I found I could cut lawns and babysit of your were responsible enough to be hired.
I remember a girl down the street that I would be competing with for work. She was a few years older than me. She cut lawns and washed windows, and painted fences and the outside of houses. once she was ready to go to college she bought her first car. She became less of a competitor and more of mentor. I began looking around for all kinds of things I could do. I simply asked myself what are people needing. Trim trees? check. Power wash the outside of the house a week before they get ready to paint the house? check. Remove landscaping from around the house after the house sold to a new owner? check. I also started watching when a real estate sign was going up and talked to the agent to see if they were going to freshen up the look of the house prior to selling? Or did they have anyone who was going to keep the lawn cut while the house was empty and they were selling the house? I was always prepared to make an offer.
Simply put, there is work all around us. We have to develop a mind for it. My FREE BOOK attempts to help you to develop an eye for those opportunities that are right for you. Please don’t misunderstand I am all for getting a job. Businesses NEED employees to accomplish their business goals. But you must consider doing something on the side part time. The business you work for is not your retirement counselor. You must do more to save for a later time.
Those that know me know I am a big advocate of budgeting. When you discover what it takes financially to meet your needs every month I hope your take home pay is higher than your expenses. . Once you know what you spend each month to cover your needs. Then you can determine how much you need to save just in case you don’t work for 3-4 weeks to cover your expenses.
This way, in phase one you begin to put away enough to cover a full month of rent, food, utilities, Gas,, etc. once you have accomplished phase one, celebrate in some meaningful way.
Then we go on to phase two this time you are going to continue do what you have already done. Once you get to three months of living expenses you need to reward yourself yet again. Keep in mind this is going to be used ONLY for paying up to 3 months of living expenses.
Then we move to phase 3 this is a big jump. Continue to save as before. We are now working to save the equivalent of 6 months living expenses. This will provide you the reward of FREEDOM. This has probably taken 2-3 years from when you started to get here. Celebrate you have completely changed your life style. You have been learning new skills along the way. You might have done everything from realizing you can repair walls for people to provide interior painting services for people; which is great weekend work. Once you have done these things you have transformed how you see opportunities. You have created FREEDOM for yourself and your family.
If you ask Entrepreneurs Why they do what they do. After all the many words and pages of reading it will all boil down to FREEDOM. Freedom to go fishing when they want, freedom to see their families more often, freedom to spend time with their families and continue to ‘work’ even when it looks like they are on vacation.
I have met so many people who are freelancers by heart. They have many clients sometimes they are juggling several clients at a time other times they are not. but none of them would trade what they have discovered for anything. Find a need and meet it, be yourself. Have goals.