Budgeting Essentials

Helping you master the practical essentials of Budgeting, Cash Flow, Accounting and Debt Relief.
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The Key to Getting and Staying Debt Free


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No matter what method you use to get and stay out of debt, there is one thing that you are going to need.



Consider this. Many people think that their biggest need is money. That is one of the reasons that so many people play the lottery.


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But winning the lottery doesn’t really help most people who win the lottery. Studies show that people who win large amounts of money from the lottery are more likely to declare bankruptcy than other people. Most have used up their winnings within three to five years. 





If money is not the answer to getting and staying debt free, what is?




Discipline will help you if:

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You have a lot of money – wealth is not mutually exclusive of debt.

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You have a little money – you can learn to make more and/or spend less.

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You are somewhere in between.



What is it about discipline that makes it so important?




The dictionary says this about discipline:

It “is orderly”

It is a “prescribed conduct or pattern of behavior”

It is “self-control”




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Traits like the above mentioned will help you make good decisions that will result in you making the most of the money that you have.


For example, instead of spending because you want to or because you “have” the money to spend, using discipline will motivate you to study the consequences of your choices.


You could take a class to learn about good spending habits (like a budgeting class).




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You may do some research to see what your best choices are.




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Giving yourself space and time before making purchases – especially large ones – can help you think through the advantages and disadvantages of making the purchase. In fact, you may learn that delaying the purchase is your best alternative. 





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Without discipline, you will likely find yourself right back in debt or deeper debt than where you were to begin with.



From a financial perspective, there are several areas to apply discipline:


Spending – not overspending

Saving – to have money set aside for future use 

Generating extra income - to help you pay off current debt 

Budgeting - to help with all the above 

Prioritizing - so you know what is and what is not currently important

Paying down debt – in a systematic and efficient way so you can purchase what you want 




Discipline requires repeated practice, but it will help you in every area of your life!



Make the choice to learn and use discipline today! You will be glad you did. 



Dan the Budget Man website:

https://www.BudgetingEssentials.com  (click here)


Dan’s Money help on YouTube:




We Offer:

A free workshop -> Getting out of debt = $0

Free Workshop -> Getting out of debt $0  (click here)




A deep dive program ->

Getting out of debt = $one-time low fee


Deep Dive Program -> How to manage your money

(one-time low fee)  (click here)






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