How well do you manage your money? Do you make a monthly budget? As of late, I have taken note of how important planning for the future is to the quality of one’s lifelong term.

Due to the instantaneous culture we live in, we seem to forget that there is a tomorrow. Often, we overindulge and spend our entire earnings while neglecting to save for a rainy day, and the lines between necessity and want are blurred due to wrong priorities. Learning to live disciplined financially is the key to attaining wealth.

There is no shortcut or magical solution to living comfortably. The path to attaining wealth is a slow and steady marathon. Many plans claim to be proven to obtain wealth. But few work. The solution to life and the seemingly never ending chase for financial stability lies in the grit and determination of the individual.

The greatest asset any individual can have when it comes to obtaining wealth is the desire and ability to save. The old adage says it best, a dollar saved is a dollar earned. If you do not save, you will never achieve the financial freedom you desire. Be wise with the money that passes through your hands. Every penny counts.

The second greatest asset any individual can have is the ability to see the future and plan appropriately. Life’s many benefits and treasures were not designed to be gained overnight. The beauty of life lies in the fact small victories are within our grasp each day. The victories we ultimately claim lie in our ability to resist the urge for instant gratification. We must take charge of our impulsive desires to spend all of our earnings on items that depreciate. The antibiotic for impulsive spending is patience. Delayed gratification reminds one there is a plan that has a great reward. Delayed gratification prevents impulsive spending and helps build a solid foundation for a life of wealth.

I am in no way advocating short changing one of life’s many pleasures, but instead, I am admonishing one to enjoy life’s pleasures in moderation. Moderate living leads to wealthy living. This walk to financial freedom is a walk only few dare to take. It is a long, winding road that has many twists and turns. But at the end, there is a great reward waiting for those who endure the tests and trials.

Are you up for the challenge? Do you have the grit and determination to make a complete one eighty in your financial habits? I believe wholeheartedly that each of us has what it takes. Let’s make up in our minds, a new day begins today. Plan ahead. Take charge of your finances. Set goals and watch as your life flourishes.

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