How to become financially fit.

Life is constantly changing ,nothing is the same as it was yesterday ,nor will tomorrow be the same as today. Thus the reason ,we need to keep our eyes fix on our financial situation or at least be aware of it at all times and set our hearts and soul to achieve, no matter what life throw at us. If life gives us lemons make lemonade, and remember there is a silver lining behind every dark cloud. Our financial needs five years or even two years ago have definitely change and it will change in the future. Some of us got married or will get married ,little ones were added to our life, jobs have changed ,jobs have been lost or some of us just got more financially aware, I sure did. So how do we set the path for financial fitness ? How do we reach our goals, achieve our dreams or take that leap of faith. How do we get out of your comfort zone and at the same time keep a positive and upbeat attitude ,in times of adversity or when everything seems to be going against us, because lets face it unexpected things happen, life happens. Quoted L---- Listed items are undercalulated. I---- Impulse purchases seduce you. F---- Forgotten bills surface. E---- Emergencies or unexpected events occurs. Unquoted Taken from The Money Coach's Guide to Your First Million by Lynette Khalfani

Instructions

Difficulty: Easy

1. Live to Give.
   Live to give ,no matter how small your contribution it will make a difference.May it be giving your time,sharing your knowledge or giving financially to others you will be rewarded richly,ten times over.
   We live in a world of attraction ,what you give ,is what you will get in return.So make a promise to yourself and for your loved ones to not concentrate on what everybody can do for you ,but what you can do for someone else.
2. You Need To Plan.
   "Those who fail to plan, plans to fail."
   
   
   Set goals not one goal but goals and execute a plan to achieve them,be a doer procastinating is the killer of dreams.Write out your goals,writing and seeing it makes it even more achievable.There are shortterm goals and longterm goals ,we all have diffrent goals and varying time limits to achieve them. It may be starting a business ,saving for college education or retirement ,establishing an emergency fund,buying a home ,a boat or a car.The most improtant thing to do is Plan,Plan,Plan and do not stop.
3. Pay Yourself First.
   "Most people search high and wide for the keys to success.If they only knew the key to their dreams lies within." ___ George washington Carver
   
   
   It is a mantra I say to myself and I tell all my friends,pay yourself first,start small and graduate. We diligently and faithfully pay all our bills every month,it may not be on time but we do pay that bill.Why not pay yourself too?
   If you set aside just $25.00 a week ,by the end of the year you will be $1300.00 richer plus interest.As time goes by I am positive, you will increase the amount just think of the possiblitiies.If you are assisting the phone and utilities companies to get rich,why not get yourself wealthy too.
4. Save Your Pennnies.
   "The improtant thing is not how much money a person makes; it is what he does with it that matters."_____ A.G.Gaston Entrepreneur
   
   
   Save your pennies,nickles,dimes and quarters,do not spend your loose change keep it in a jar until the end of the year.Visit the penny arcade at your local Commerce Bank because they do not take a percentage of your money .Change that loose change and deposit that extra money into a savings account.I did this last year and accumalated $256.00 .
5. "Sweat The Small Stuff."
   Ben Franklin wrote, "Beware of little expenses; a small leak will sink a great ship."
   Quoted from 7 Money Mantras For A Richer Life by Michelle Singletary.
   
   
   If you want to create wealth for your self and family you have to sweat the small stuff. A dollar or two spent here, a five there ,can definitely and will put a dent in your financial plan or prevent you from reaching your real financial potential.Most times we do not need these items and your money will work better for you if invested in a savings,mutual fund or moneymarket account.
6. Invest In Your Future.
   "The future is purchased by the present."___Daisy Lee Bates Journalist.
   
   Pause and ask yourself this question,what steps have I taken to secure a bright future not just for myself but for my future generation.To ensure you are on the right path,you need to leave a legacy and declare financial empowerment.
   Life Insurance who needs it and who don't ? "Life Insurance is not that complicated ,and it really doesn't insure your life. It insures your income,so to speak,so when you die ,your family or dependents will be protected against a loss of your income.It's the earning potential life insurance is meant to protect. Anyone with financial oblications needs life insurance."quoted from Pay Yourself First by Jesse B. Brown.
   Are you ready to do it yourself ? You worked for your income,now is time for your income to work for you by investing it.So make the commitment and venture online because now the internet have made it simple. Below are some links to checkout.
   
   http://www.siebertnet.com
   http://www.scottrade.com
   http://www.sharebuilder.com
   http://www.tdameritrade.com