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Personal Finance is As Easy As 1 2 3




We are drowning in information and choices these days, often leading to becoming overwhelmed. With your personal finance, there is a guru in every direction you turn telling you to consider this or buy that when real money is as easy as 1, 2, 3. There is no need to overcomplicate managing your financial success, and these three steps to success with your money matters will keep you on the path to success.

It isn’t often the case that we find ourselves so focused on the details and options that we forget the absolute basics of personal finance. Every pundit has a favorite investment plan, to buy gold or mutual funds, or maybe to start a business. The importance of not losing focus on the basics of finance, though, with a proper focus on the following three steps of financial management, will not only keep you on track but put you on the path to financial increase.

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The first step or focus for financial success that I recommend is to pay attention to your money. Simply this means, know each month how much money you have coming in and how much money you have gone out. How much are you making with paychecks, second jobs, annuities, settlements, etc.? Keep detailed track of exactly how much money you bring in each month from all sources, and call this your income. Next, keep detailed track of how much you spend each month in bills, payments, settlements, expenditures, food costs, etc., and call this your expenses. Each month account for your money and this focus will keep you always aware of your personal financial status.

The second family finance focus is on reducing your expenses. Treat your money as a business, you are in the business of yourself, and as a good businessman, you must always keep an eye on reducing costs and becoming more efficient. Perhaps after assessing your cash budget, you see that you are spending too much on credit card interest, seek to reduce it. This is a constant process, and this constant focus will help you streamline your finances and free up additional monies.

The third focus should be on increasing your income. Maintain a constant focus on your finances and your means of bringing in income, and keep your eyes always open for opportunities to increase the amount of money you bring in. Sounds simple, as we all want this, right? You would be surprised how often the promotion across the avenue is overlooked, or the promotion within your company is not seized. Consider looking outside your job, find ways to help and service while creating additional money doing what you love. There are always opportunities; create the focus always to be watching for these moments and seize them.

Maintaining the focus of your personal finance on these three simple common sense pillars will yield surprising results. Don’t overcomplicate your finances, and you will not cloud the opportunities that abound around you. With a daily focus on these simple financial secrets, you will be well on your way to creating the abundance in your life that we all want.




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