The Best Financial Advice You Will Ever Receive

An Excerpt from “110 Ways to Heal Your Money” by Donna Higton – remember this is available at half price until 7th April with the code HH33V. Tell your friends. 🙂

So, what’s this ‘best advice’ then?

Spend less than you earn.

Simple eh? So why on earth are so many of us in trouble financially? Simply because we don’t take this advice. Instead we believe the advertising that tells us to have happiness, we need a big television, 2000 DVD’s, weekends in exotic locations, gadgets, shoes, clothes, books, and so on. But have any of these purchases actually made you feel better in the long term? (I know about the rush that comes from buying a pair of shoes I don’t need and won’t wear – that high is VERY short lived, then I just feel naughty.)

Have you ever gone into debt to buy something and then found that your desire for that ‘must-have’ item is replaced almost instantly with another desire for a ‘must-have’ item? I watched a program about a young lady in a large amount of debt because of her desire for designer handbags…which she never used, never even looked at – they sat in a cupboard where she couldn’t see them because they made her feel bad about the debt she was in.

This is insane. Frankly, if I’m going to spend £4000 on a bag, I would want to use it constantly. It’s a common insanity – I used to buy all sorts of junk I didn’t use. I managed to wean myself off buying junk by saving for it – it’s amazing how often a ‘must-have’ item is no longer a ‘must-have’ at all when you’ve spent 3 months saving up for it. This technique also helped me to see when I was buying things and not enjoying them. When it’s on credit, somehow you ignore that little dissatisfaction…but when it’s come directly from your savings, you can really see how actually it was not worth it.

People have said to me “But I deserve the very best in life.” YES, I agree, you do. You deserve the best from yourself. You deserve to be able to enjoy the money you earn. You deserve to be free of the ball and chain of debt. You deserve to feel secure. You deserve to be able to open your bills without fear. You deserve to live a stress-free life. You deserve to have confidence in your own worth – whether you are dripping in diamonds or not. You deserve to be the very best you that you can possibly be. How can you be your best you when you are weighed down by debt, fear, stress and shame?

Love

Donna.x