With all your wages tied to the high cost of living, the idea of managing your money and making sound financial decisions – can be nerve-racking. You may even deem it impossible- especially if you have no prior knowledge of personal finance.

I will not lie and tell you how easy it will be. Taking control of your finances requires determination and a high desire to change. Without a doubt, you will encounter some challenges, but the good news is that you can make it.

With a list of goals, a solid timeline, and making some few smart decisions, you will discover that you are disciplined than you give yourself credit for. To help you make that first step, here are some things that can help you.

  • Give Your Money a Purpose

The way you spend your money should reflect your goals, dreams, thoughts, and values. Many people have no respect for money. They get their paycheck and use it on groceries and vacations and do not make any attempts to use it on anything else.

Are you the kind of person who isn’t bothered by debt like it should or one who can comfortably pay an extra $10 for a manicure?  Let’s square it out, your money should have a purpose, or you will squander it. It is not just a means to buy groceries every month.

Your money is the energy and fuel to your life. Well, I am in no way trying to say that life revolves around money. No, but your life indeed becomes difficult without it.

  • Monetize Your Values

Who doesn’t want to live a passionate life while earning an income from it? It sounds fun, but it is only an idea to many, as most of us are not willing to take this risk. Your pastime activity can be a viable business venture.

Invest that extra dollar in what you cherish and that which represents your values. Do you believe that doping is wrong? If so, invest our money to help athletes fight drugs and substance abuse. The good thing is that even when you are tired, you can chip in an hour or two towards such an investment as you will be enjoying doing it.

  • Circulate Your Wealth

When you think about financial success, do you think about accumulation or circulation? If what came to your mind is the latter, congratulations, you are on the right track to financial freedom.

When you are creating wealth, your money should have an inflow and an outflow. Saving for rainy days is essential, but that should not stop you from venturing into other sources that will add passive income to your plate.

There is no single way to circulate your wealth. Still, just to mention a few, you can invest in money markets, utilize your credit card rewards, becoming a silent partner in a business, or investing in real estate.

  • Guidance to Embrace Financial Serendipity

Financial success is not an overnight achievement- it takes time, self-discipline, and sacrifice. Even with the three principles, it could remain out of reach, but that does not mean you are on the wrong track.

It may take longer than you expect, become harder than you anticipate, but in the end, the reward always comes. During these trying moments, you need someone to hold your hand, to share with you some other success stories and do the heavy lifting for you.


Financial freedom is something that we all yearn for, but unfortunately, it does not come on a silver platter. You have to work hard and be disciplined to enable you to achieve financial success. You can track your phone or know how to track someone’s phone by using Myspy. You need to have a well-thought plan because failing to have a plan is planning to fail.