Schedule a monthly date night
Spending time with your family and friends is a direct predictor of well-being - one of the best things for your relationship
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- Your most powerful financial asset is not your home or car: it is your ability to earn an income.
- You can live like a multimillionaire today by cutting back on meaningless crap and diverting your spending to the little luxuries you use every day.
- Set up Bank Accounts - Share accounts with spouse - Have an agreement on amount to spend on whatever (\$400 in book).
- Account #1: Daily Expenses (High interest/no-fee online checking account) - everyday transaction account
- Account #2: Smile (High interest/no-fee online savings account) - link to Daily Expenses
- For big goals - vacations, etc
- Account #3: Fire Extinguisher (High interest/no-fee online savings account) - link to Daily Expenses
- Set up automatic transfer with each income in
- Account #4: Splurge (High interest/no-fee online checking account) - everyday transaction account
- Account to spend money on things that make you feel good (shoes, booze, lattes, whatever)
- Set up automatic transfer with each income in
- Account #5: Mojo (High interest/no-fee on-line savings account from a different bank) - Emergency Account
- Only insure against things that can kill you financially
- Choose a higher excess (deductible)
- Don't automatically pay your insurance premium each year
- How to increase income:
- Make a commitment to earn more than last year
- Do your homework:
- Look at your position description from your boss's point of view
- Write down 3 fundamental tasks
- Set an ambitious goal for each task over the next 12 months
- Take control of your performance review
- Present your list of prioritized tasks and goals and ask for feedback
- Put goals on a calendar
- Casually follow-up with your boss over the next 12 months
- Get a side income - Freelance