Worried About Money
Do you worry about money? Does the phone ringing cause your heart to skip a beat? If you receive a piece of mail from the Internal Revenue Service (IRS) does your stomach do flip-flops? I emphasize with you; I have been there! Everyone knows you should not worry about money; however, when the phone starts ringing and the dunning letters seem unending it is easy to feel overwhelmed. My experiences led me to write “The Truth About Money: How To Find Joy And Peace,” which is the first of the Truth Trilogy books.
You Can Master Money
Money is a pretty easy concept to understand! If you want to live in financial peace, you must follow two key concepts: First, you must consistently spend less than you earn over a long period of time, let’s say the rest of your life, and eliminate debt, particularly consumer debt, which is ‘The Kiss of Death’ to your financial well-being.
Ben Franklin Quote
Benjamin Franklin said it like this: “There are two ways to increase your wealth. Increase your means (income) or decrease your wants (expenses). The best is to do both at the same time.”
Spend Less Than You Earn-Eliminate Debt
If you are going to be financially successful, you must: Spend less than you earn and eliminate Debt. Not very sexy nor complicated, but if you accumulate debt making it difficult to keep up with the payments, you will have a very hard time finding peace with your personal finances.
Positive Net Worth
I am going to define ‘financial success’ as having a positive Net Worth; that is, owning more than you owe! This sounds so simple, that you might be tempted to think I am pulling your leg – I assure you I am not!
Protect Yourself: Live Within Your Means
Just to drive the point home, if you cannot live on less than you earn, you will live paycheck-to-paycheck for the rest of your life and you will be very susceptible to the never-ending barrage of emergencies that, like a tsunami, threaten to overwhelm you.
Charles Dickens Quote
“Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.”
Charles Dickens (Author).
Many Scripture Verses Regarding Money
The Bible has a lot to say about money – over 2,300 verses; here is one of my favorites:
Psalm 37:16-19
“A little that a righteous man has is better than the riches of many wicked. For the arms of the wicked shall be broken, But the Lord upholds the righteous. The Lord knows the days of the upright, and their inheritance shall be forever. They shall not be ashamed in the evil time, and in the days of famine they shall be satisfied. (Psalm 37:16-19)
Free Book(s) For You Until May 31, 2024
If you would like a copy of “The Truth About Money” just use this URL (Smashwords: https://www.smashwords.com/interview/TCMaloney) and enter the Coupon code at checkout to receive a free copy of any or all of The Truth Trilogybooks; please leave a review of the books if you would be so kind. This coupon will expire in two days, May 31, 2024. Coupon Code: RV79Y.
Next week we will talk a bit about Natural Laws!
Thank you for reading. Tom Maloney
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