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    Take Back Control Of Your Money and Build a Better Life - Know the Financial Mistakes to Avoid in your Life and the Proper Ways to Rectify Them
    Take Back Control Of Your Money and Build a Better Life - Know the Financial Mistakes to Avoid in your Life and the Proper Ways to Rectify Them
    Take Back Control Of Your Money and Build a Better Life - Know the Financial Mistakes to Avoid in your Life and the Proper Ways to Rectify Them
    Ebook68 pages56 minutes

    Take Back Control Of Your Money and Build a Better Life - Know the Financial Mistakes to Avoid in your Life and the Proper Ways to Rectify Them

    By Jennifer N. Smith

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    About this ebook

    Don't let your money get away from you! Take control of every single dollar that you earn, keep it under your control, and make conscious decisions about your money. 

     

    Wallets empty within a few days of getting paid? No idea where all your hard-earned money went? Struggling to make ends meet even when you have a decent job? Knee-deep in debt with no means of paying anyone back? Frustrated, scared and harassed by your own unconscious decisions? 

     

    It looks like you have made a few mistakes with your money! 

     

    Earning money is hard, while spending is the easiest (and the most fun!) thing you can do. However, in the middle of reckless spending, impromptu purchases, picking up bills and relentless online shopping, we often end up broke, in debt and completely clueless about our financial situation. It's not the most desired situation to be in your life, because as well must all, unfortunately, agree on: money makes the world go around! 

    So, learn to live happily ever after with your money. 

     

    In this book, you'll learn: 

    • All the common money mistakesyou can make that might seem simple but can actually push you into trouble in the future. 
    • The3 best practicesin good money management. 
    • Howmaking and following a good budgetcan help you live a stress-free, worry-free happy life. 
    • How to start saving effectivelyso that you are never in trouble in the future. 
    • How you can pay back every single dollar you owebanks and the people around you without having to make too many sacrifices. 
    • Good money practices so that you never end up making the same mistakesever 
    • Topaccounting apps and softwarethat can help you make and stick to your budget, on-the-go. 
    • A sample printable household budgetfor you to customize and use. 

    At the end of the book, hopefully, you'll know exactly where you had gone wrong to end up in a financial disaster, like millions of people all over the world. This is a practical book with real-life examples and advices that you can use in your life.

    LanguageEnglish
    PublisherJennifer N. Smith
    Release dateFeb 24, 2020
    ISBN9781393820161
    Author

    Jennifer N. Smith

    We are a team of writers. We are a team of moms.  We are Writer Moms!  We have experienced what it is like to be a mother and to be completely clueless about raising our children. Through mutual support and help, we have risen out of our early mom days and we want to help you now. We love reading and writing self-improvement and self-help books, especially parenting books that will help you become the best version of yourself for your children. Whether you are a new mother, a veteran mother or an expectant mother, our books can help you.  We have positive, practical advice for all the Mommies (and the Daddies) out there. Instead of just telling you what to do, we believe in giving you step-by-step user guides for your everyday problems.  We love cooking and preparing delicious food for our children and our families. We love spending time with our loved ones. We are Mommies who have jobs, businesses and are stay-at-home parents, and we can help you with many of your questions. Most of our books deal with children and parenting, but we also love to write on other topics related to your home and family.  Most importantly, we believe in a happy home, and we would love to help to make your life so much better, as it should be.

    Read more from Jennifer N. Smith

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      Book preview

      Take Back Control Of Your Money and Build a Better Life - Know the Financial Mistakes to Avoid in your Life and the Proper Ways to Rectify Them - Jennifer N. Smith

      Introduction

      More of us have problems with managing our money than we care to admit. We might earn a lot or an adequate amount every month, but all that money seems to vanish within a few days. While spending money seems effortless, managing it is hard.

      It’s not very easy to manage our money; it is tougher to make sense of our costs and expenditures if we are not careful. To know how to analyze and manage your money, you don’t need to be a mathematician or an expert, simply careful.

      I can talk because I have been through this, more than a few times in my life.

      My family has always been careful about money. My parents were hardworking people who were always on a budget, and they were always careful about their money. While I was never at a need for anything, neither was I indulged unnecessarily. I almost always had what I wanted, but I had to want something badly to get it. We were a family who had budgets and restrictions for everything.

      All that changed when I completed my Graduation and got my first job. While my salary was adequate and modest, it was the first time in my life that I was in possession of my own money. To say that I went temporarily crazy would be an understatement! I really did go mad! I bought everything I could set my eyes on: more clothes than I could wear, things I didn’t need, too much groceries every week. I was always out of money within a week of getting my salary.

      The same thing happened every single month.

      I ended up borrowing from my parents, my friends, my colleagues, and my roommate. Multiple times. Although they were happy to help me out the first few times, they soon began to avoid me. Besides, no matter how much I borrowed from them, I never had enough to return the money. Soon, I was several hundred dollars in debt, and everyone around me was angry.

      Everything got worse and worse, and the biggest sufferer in all this was my roommate. I would not have money for rent or groceries, but I would be wearing new clothes every day! Everything fell apart the day that she told me she was leaving. Without any warning or notice, she told me she was moving out the very same day because she couldn’t afford to pay for both of us.

      For the first time in my life, I felt truly alone. I was in debt, my co-workers were angry with me, my friends were avoiding me, and I was living alone in an apartment I could not pay for. I had a closet full of clothes and an overdraft on my card, and no money to pay for groceries or bills. No one else wanted to live with me because I was almost impossible with money!

      That was when I knew I had to change!

      This book is both about my personal journey of managing my finances, and all the lessons I have learned so far. I knew I had to write this book because I know other people have been in this state, and I want to help them get out of it.

      So read on if you are in a situation like I was, or if you never want to be in a similar situation. I just hope my life experiences can teach you something, or help you in some way.

      Thank you!

      Chapter 1

      Common Money Mistakes We Make

      ––––––––

      I’ve seen people make the same mistakes again and again, especially with money. Even if they are responsible people who know the consequences, some of us end up in the same situation as people like me who were never careful about their expenditures.

      Money is the one thing that ties us together. We might have different goals in life, but they all require money. Whether you want to travel the world, buy your dream house, start your own business or buy a car – everything costs money. A little money or a lot of it, our lives and livelihood depends on it. We all run in the circle of earning and spending money; some simply do it better than others.

      We may earn moderately, lavishly or adequately, but we all spend our money on the same things.  Food, shelter, health, entertainment and travel – that’s where all our money goes. Some of us live on the basic amenities while others eat caviar and drives a Porsche, but we are all more or less dependent on money.

      Most of us only have one income source, but a thousand different expenditures. From the basic to the extravagant,

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