Opt to pay your dues the easy way (i.e. the feather and beak friendly way)
When a bill shows up in the mail or your inbox (be it a tax bill, a utility bill or a spa membership renewal request for your Cat), embrace it with open arms and a smile bright enough to light up a lighthouse.
Then hurry over to have it paid that very day like your life depended on it.
A bill when it’s paid on time is really nothing more than a blessing; because all it means is that you have electricity, a home, a phone line, an Internet connection, running water and heating for yet another month. And that’s not usually a bad thing…unless you hate Electricity or something.
But when it’s overdue (or “forgotten” about), it can be like a blizzard with sharp teeth that follows you around everywhere you go. And then when it finally catches up to you, it’s not gonna just settle for what was originally owed. It’s also gonna leave a few teeth marks behind (in the form of penalties and interest) to make sure that you’re not late the next around.
Now, if paying those chunkier bills is “taxing enough” for you, then open up a separate Bank account to set aside those contributions each month (ideally in an automated matter). And do this each month as soon as you get your salary and even before you’ve had a chance to fondle the money.
That way, when the clock strikes midnight… and the Big Bad Wolf knocks on the door, you’ll have the money and the freshly baked cookies ready and waiting for them with a cheer.
Who spent all my money?
If you’re struggling to put aside any money, to begin with, or have more month (and moths) at the end of the money, then use the following 5 steps to bring your finances under control:
1. Write down every penny you spend and then at the end of the month eliminate everything that’s not essential. If not having it doesn’t send you into an instantaneous coma or affect your health in any way…then it’s probably not that essential.
This could also be the perfect opportunity to quit those wallet, life and health sucking “legalized drugs” such as Cigarettes and Alcohol (the stuff that killed my Brother Keerthi at 45).
2. Switch to buying “cheaper” brands that offer the same thing. Why pay twice as much for the “cuter” packaging and the celebrity endorsement?
3. Cut off all those subscriptions (TV channels, Magazines etc.) that do nothing but make you grow sideways and disconnect your brain from the rest of you.
4. Move into a smaller apartment. The feeling of being debt free is so much cozier than having a super-cozy house big enough to have a dozen Horses living there.
5. Look for ways of improving your job prospects (at your current place of employment or elsewhere). Or start looking into legitimate Business opportunities that can set you up for life.
