#simple money

[motherofkrypton]

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[soyboyjames]

Simplify Magazine: No. 15 (February 2021) by Becoming Minimalist/No Sidebar

10 Favorite Lines:

…history doesn’t repeat itself, but themes do. One key element is our beloved short-term memory for short-termed benefit.

The fundamentals of saving and investing as much as I can, within reason, have helped put me in a strong position to ride out any storm coming from these fear-inducing headlines making the rounds.

Three singular Triforces must be assembled to create the Triforce of Wealth, if you will… Earn More – The Triforce of Power… Spend Less – The Triforce of Wisdom… Invest the Surplus – The Triforce of Courage

…Wealth requires balance and resistance to temptation…

“The key to success is playing the hand you were dealt like it was the hand you wanted.”

By definition, marriage — joining two into one — is disruptive. Often, for the better.

It has become personal finance gospel that spending money on experiences makes us happier than spending money on material things.

John and Charlotte Henderson, at one time the world’s oldest living couple, said the secret to a happy marriage of more than 80 years was to “live life in moderation.”

…adopt a growth mindset. That is, view compatibility [in marriage] as something that is nurtured rather than is a fixed entity.

To save the most money, you need to take bigger bites out of the largest pieces of the total spending pie—that means focusing on the biggest spending categories: housing, transportation, and food.

[soyboyjames]

Simplify Magazine: No. 14 (November 2021) by Becoming Minimalist/No Sidebar

10 Favorite Lines:

Human Resources’ primary role is to protect the corporation from the employees. …Human Resources aren’t your buddy.

…Upton Sinclair noted: “It is difficult to get a man to understand something, when his salary depends on his not understanding it.”

What you find there is that people have their priorities kind of misplaced. People spend a lot of time watching TV, yet they want to make more money and say they don’t have the time for it.

Spending exactly the same as you make only lasts until your next financial emergency…

The world will tell you spending more is the key to a better life. But I can attest, it is better to live cheap under budget, than it is to live luxuriously in debt.

The goal of investing is not to generate short-term cash— that’s what your career or business does.The goal of investing is to allocate your capital to assets that usually appreciate over time…

Every single person needs some form of exposure to assets that appreciate over time… you build wealth over time.

The worst thing that you can do on the internet is use the same password, or a variation of the same password over and over again.

One of the most important things you can do to help with identity theft and prevent scammers from opening new accounts in your name is to freeze your credit. You need to head to all three credit bureaus, create accounts, and initiate a permanent credit freeze.

Get Identity Theft Monitoring

[soyboyjames]

Simple Money: No. 13 (May 2021) by Becoming Minimalist/No Sidebar

10 Favorite Lines:

It’s important that you talk about money on a regular basis in a non-emotional way, as hard as that may sound. It’s crucial, in fact, to the survival of your relationship…

Being rich, I realized, has little to do with financial wealth and everything to do with building a life that is full of what makes you come alive.

In my experience, as a Christian, the best way to get to know yourself is by getting to know the one who made you.

…how little I actually need to be happy.

Our brains have different levels of brainwave states and our creativity emerges in the alpha or theta brain state. These states require relaxation and lower stress levels (which is why more ideas come to you on a walk, in the shower, or upon waking). If our minds are constantly in doing mode, it’s hard to tap into our creative minds.

…life as a minimalist – always in search of simplicity…

What does that purchase mean to you? If the purchase will lift up your soul with happiness or nourish your body with goodness, you will have a positive feeling when you ask yourself the question. Instead, if the purchase is simply out of habit or is something you’re trying to quit buying, notice that, too.

“I think everybody should get rich and famous and do everything they ever dreamed of so they can see that it’s not the answer.” — Jim Carrey

Success and excess are not the same.

Harvey Mackay once said, “If you can afford a fancy car, you can make more of an impact driving an ordinary one.”

[soyboyjames]

Simple Money: No. 12 (February 2022) Becoming Minimalist/No Sidebar

10 Favorite Lines:

…the stereotypical “millionaire lifestyle” is antithetical to becoming a millionaire.

…credit card debt is …dumb debt.

…ensure that you are being intentional with your time and your money. We only have a finite amount of both…

Money is just a tool, not the end goal. The goal should be a life well lived.

There’s also the “gentle art” of Swedish death cleaning, which is the process of mindfully clearing out one’s own possessions before others have to do it for you.

Who we are and what we can contribute to the world has nothing to do with what we own.

When we constantly desire more, we are never satisfied. …When more is the goal, we never fully arrive.

…discipline is required to take income and transform it into wealth (remember that income does NOT equal wealth).

…discipline includes knowing: 1. how much you bring in 2. how much you spend 3. creating a budget to ensure the difference is in the positive camp.

From The Millionaire Mind, we’re reminded that “a disciplined person sets his sights on a lofty target, then figures out productive ways to reach it. Disciplined people aren’t easily sidetracked."

[soyboyjames]

Simple Money: No. 11 (February 2022) Becoming Minimalist/No Sidebar

10 Favorite Lines:

Research shows that optimism pays – literally. Optimists are more likely to have an emergency fund, to enjoy greater career gains and higher incomes, and to experience less financial stress.

…by focusing on your actions as opposed to your outcomes, you can approach 2021 as an opportunity to refine your foundational money habits…

Your first step in the right direction doesn’t need to be a big one… Once you’ve got momentum in the right direction, the next step will be easier.

There is an old proverb that goes something like this, “The best time to plant a tree was 20 years ago. The second best time is now.”

While it is hard to dig yourself out of a hole, it’s also completely possible if you want it bad enough.

…you need to believe that you have the power to earn more money, because you do.

Ruthlessly prioritize until you end up where you want to be.

…delaying gratification is likely one of the most important things within our control for creating wealth.

Think about what you really want in life before you pursue wealth, there are tradeoffs.

It’s harder to cut back on the fun stuff once you’re used to it.

[soyboyjames]

Simple Money: No. 10 (November 2020) by Becoming Minimalist/No Sidebar

10 Favorite Lines:

You need food, but you can live on rice, beans, and veggies.

I’ve never regretted one dime I put toward early debt payments — not one.

…we should adopt a rental philosophy for the goods we purchase. From this standpoint, we are temporary holders to the many material possessions we store.

…the cheapest or most environmentally friendly product is the one you didn’t buy.

Buy the Corvette today, and you’ll get used to it. The shine and sheen will wear off. Then, the insurance payments, gas, maintenance/repair prices, and other burdens come into focus.

The more you earn, the more you spend.

…most households of high net worth place little value on using possessions to impress others.

Riches involve spending money while wealth involves saving and investing it.

Commit now that during the next market downturn (and there WILL be another market downturn in your life since they occur frequently), you will make a rational choice rather than react with fear.

If You Have a Car Payment, You Bought Too Much Car… Don’t finance a depreciating asset!

[soyboyjames]

Simple Money: Issue 009 (August 2019) Becoming Minimalist/No Sidebar

10 Favorite Lines:

…treat the word “fair” as “the F-word”--a forbidden, dirty word that should not exist. Expecting life to be fair is an easy way to be set up for disappointment and frustration.

“I can” does not mean that “I must” …change your mindset from “I can/I must” to “I could/I’ll wait.”

There are, of course, only two possible remedies for an unsustainable financial situation: 1) Either you make more money or 2) You spend less.

Spend less is the most important piece of financial advice you’ll ever receive.

The best kind of comparison is the comparison with your past self.

News flash, nothing JUST gets better. My life only got better because of changes I made.

Contrary to popular belief, healthy food is NOT more expensive.

…start talking about money with someone you trust.

…my definition of being rich is having enough money to meet my family’s basic needs, a few of our wants, and to be able to give some away to others.

…an older person with high cardiovascular fitness is healthier than a younger person who is physically inactive.

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