Stop Being a Rat – Be More Prosperous Today With These 3 Money Mindsets

Many people are trapped in the “rat race”. They spend most of their week working in the office. They work hard just to be able to afford a bed to rest in and a car to ride in.

But their rest is used to get energy to work. Their car is used to ride to the office and home again. In practice, they spend their money just so they can work to make the same amount of money.

Are you trapped in the rat race? If you are, then to break free from it you need the right money mindset. The step to freedom starts with having the right way of thinking.

To help you break free from this trap, here are 3 easy to apply money mindsets:

Money Mindset #1 – Money is important

There is no avoiding it: money is important. You use it for the cost of living and pay the bills. But the real purpose of money is to increase the quality of your life.

There are people who avoid thinking about money. They are rather na├»ve in thinking money isn’t important. In truth, these people are usually afraid that they won’t have enough money.

They are afraid because they don’t know how to make more money. You can avoid this fear by acknowledging that money is a support tool. Like any tool, money helps you to achieve a purpose.

To use money as a tool, you must understand the relationship between you and money.

Money Mindset #2 – Master and servant

One thing you must remember is that you are the master and money is your servant. Many people live with the mindset that money is the master. This is thinking in reverse.

When you think that money is your master, you will succumb to it. You will be influenced and swayed by the amount of money in your hand. This will make you worry and be afraid that you will lose it.

Eventually, you do lose it because your mind is living in fear. To free yourself from this fear, you must be the master of your wealth. But how do you be a master of money?

To master your wealth, be in control of it. Instead of letting your money dictate your behavior, start choosing your own:

  1. Write a recording of how much you make and spend each month
  2. Plan a budget for the next month to save at least 10%
  3. Invest this 10% into an investment that can grow your money further

Take control of your financial situation. The earlier you start, the faster you can get the benefit from it.

Money Mindset #3 – Circulation

Here is the truth about prosperity: to reach it, your wealth must be in circulation. This means the money that you have must be put in to good use. Your money only has value when it is used.

If your money is only sitting in a bank, it’s not adding value. This is why you aren’t receiving more value in your life, because you aren’t giving value. You must give first before you can receive.

Imagine your wealth like the blood in your body. To remain healthy, you have to sweat to let the toxins out. It’s the same with money – it must remain in circulation to stay healthy.

To put your money in circulation, you can invest your money in good businesses. You can even help other people start up their business. The value you plant will return to you multiple fold, one way or another.

These 3 mindsets help you to truly understand money. When you understand money, you know where and how to use it in your life to create more prosperity.

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Payday loan

Facts Concerning Advance Payday Loans

Once you’ve finished reading this article, you should know enough about cash loans to make the right decision about them, and also be able to explain them to others

Advances with payday loans help you get through to your next payday. These loans always come with strict fees attached. When you fall behind in your bills, you could ask for extensions and work closely with your utility service providers to pay your arrangers. Or you can go for a payday loan. A payday loans is designed for instant relief in emergency situations. Things like utilities about to be shut off, car repairs, overdrafts, tuition fees, or health costs can be good times to seek a payday loan.

Payday advance loans are generally extended for a two week period. Sometimes they may be lengthened to as much as 18 days. Whenever your fixed period of time is up, and you aren’t able to repay the loan in full, you can pay the finance fees and then have the loan rolled over for the next available paycheck. This can get to be a vicious cycle.

After your cash advance gets approved, your lender will deposit your money directly to your checking account. When the due date arrives, then the funds will be transferred to your lender. Many lenders will transfer your money within 2 business days, some within 24 hours. Payday lenders approve their loans quickly and advance you the cash quickly. Most lenders aren’t interested in your credit, so you don’t have to worry about credit checks.

There are loads of online loan sites that have good security, so your transactions will be safe, confidential, and very secure. This is vitally important with identity theft being so prevalent online today.

At this point of the article, you should have obtained at least a small bit of knowledge of how advance payday loans work. The following may make things even clearer:

Payday advances are designed to work for the short term. They are unsecured loans meant to tide you over until your next paycheck. When you’re between paychecks, and unforeseen expenses arise, they can be a big help. Most of these lenders make the process very simple and easy, not requiring you to fax any documents. They just verify your employment and banking information, and process the loan. But there are a few that will have you fax them documents with signatures.

The way payday advance help is in their flexibility. A borrower can be at ease knowing this transaction is private and discreet. Many advances are used for common things that can sneak up on us by our mishandling of our monthly budgets.

When you search on the Internet for a loan, you’ll see there are many websites devoted to this industry. If you can find one closer to your area, it could serve you better. Some lenders of these loans are restricted to their own areas. There is a bit of controversy surrounding this industry in many places, and some states are trying to shut these resources down.

Many people and officials claim that these payday loans are preying on people who are down financially, and taking advantage. They feel these lenders are merciless, greedy, and gluttonous, making their profits off the misfortune of others. But others say you need to look at some of the traditional loan institutions before being so quick to judge.

In reality, a payday loan can be cheaper than having a bank overdraft. Overdrafts today are quite expensive. When you obtain a payday loan for paying off overdraft fees, it might cost you, but not as much as incurring another overdraft fee. If you any type of disconnection charges, you’ll probably pay less for the payday loan for paying the bill, than your would to have that utility re-connected. This makes payday loans work to your advantage.

You can do your own research online, and find yourself a payday loan with terms and services that suit you. I hope this articles has enlightened you some as to how payday loans work, and what’s involved with them. As long as you know you can repay these loans with your next paycheck, you don’t have much to worry about.

But for those who try to roll these loans over until another payday, aside from the first one it was set up for, they can find themselves headed toward trouble. These loans are great, but only if you pay them off quickly. And never borrow more than just exactly what you need. Should you find you have enough money before your next paycheck to pay the loan off, it’s a good idea to do so. You never know what circumstance will arise on any given day. If it’s paid off, and you should need it again, then it’s no problem. But once you ruin your credit with the payday loan lenders, you really have put yourself in a box.


Enjoy Your Money

Everybody that manages their money has a reason why they manage their money. For some people, it may be to make sure that they can pay the bills on time. Others may manage their money so that they always have some spending cash. Others, like me, may manage their money so that they can save money and accumulate wealth. All of these reasons are good reasons to begin managing money, however all these reasons are just another part of a greater goal. Your immediate goal may be paying your bills on time. But the greatest goal that everybody in the world shares is the same: everyone wants to enjoy their money.

What does enjoying money mean? The way I see it, enjoying your money means that you have enough money that you can spend it on something fun without worrying about your bills. Basically, it’s spending money without worrying about the financial consequences. Now I know what some of you may be thinking. “Only rich people can truly spend their money without worrying about how much they spend.” Yes, I also used to think like this. But this statement is not true. You don’t have to be rich to enjoy your money; you just have to be on top of your finances. Don’t make up excuses. Nobody will help you enjoy your money so you have to help yourself.

There are a few basic requirements that must be met before a person can enjoy money: (1) Know how much money is in the bank, (2) Know how much money is needed for bills, and (3) Know their spending limits. The great part about these three requirements is that they are mutual. Basically, to meet one requirement, you have to have another requirement met. If you know how much money you have and how much money you need to pay the bills, then naturally you will know your spending limit. But take one extra step further and write it down. To be truly confident with your money, you have to be able to physically see it. By jotting down how much money you have at the end of the day on a daily basis, you allow yourself to physically observe your spending patterns. You now know your numbers so you can adjust your spending accordingly.

Enjoying your money just means that you know exactly how much money you can spend on leisure. You don’t have to be rich; you just have to be smart. Write down your spending for two weeks. Look at your spending habits. And then plan your life accordingly. Just because you don’t have enough money today doesn’t mean you won’t have enough money next month. Just manage your money and then enjoy it.


Solid Financial Tips

1. Never give half-hearted gifts. The same will return to you.

2. Giving to others benefit them. However; you always benefit the most.

3. You are not the only one with resources and support to give to others. Someone is always waiting to take your place.

4. Stop looking for a “Thank You” note when you give. Looking for the note limits your ability to receive.

5. Our good works and generosity is like sowing a seed that produces a harvest seasonally. Take inventory of your harvest so far, and make the correct changes if you would like a bigger harvest.

6. Failure to be generous is the foundation for unfulfillment and lack. You only hurt yourself when you fail to invest quality time in self-empowerment, family development and community improvement.

7. Practice generosity first in your own home. Share kindness with your spouse and children first before exposing yourself as a fraud to the community.

8. Do not withhold promises. Check out the story of Ananias and Sapphira.

9. Stewardship requires responsibility. What are your specific written plans for using your resources wisely for the next 12 months?

10. Never oppress others under your influence. The oppression of others is like taking a withdrawal without any deposit. A bankrupt and tormented life awaits all those who choose this path.

11. Give generously to those assigned to you. Be the first to empower others.

12. Get rich in patience, love, joy, kindness, generosity, humility, forgiveness, self-control and then money.

13. Care for the poor and the powerless in your community. We are all responsible for the well-being of each other.

14. Look after orphans and widows in distress. Thank God, you are in a position to help.

15. Be proactive and create a family legacy for providing resources and education for those in need of support and protection in your community.

16. If you’re dishonest with little, you will be dishonest with much,

17. Complaining and worrying about your financial situation puts you backward about 365 days.

18. Abundance, increase and favor follow those with a written plan. Start writing!

19. Tithe 10% of all your earnings for the improvement of your community.

20. Pay yourself 10%, this is an excellent way to honor yourself.

21. Save/invest 10% for future. What would you like your children, the community and others to say about you after you have left the planet?

22. Allow 70% of your earnings for household and family expenses. Try to reduce this amount as you increase in knowledge.

23. Give thanks for everything! This is essential for activating more increase.