Financial Freedom in 8 Simple Steps

Debt, another broken washer/car/television, and money shortevery month. You long for financial freedom, but you have no idea how to go about it. I followed these 8 steps and am now financially independent. And I too once had thousands of euros to blame.  Debts are horrible. They're always there, even if you're not trying to think about it. You're always puzzling, and hoping there's no need to pay anything again before you pay off your debt. Every month you're scrolling with bills. STOPPER! 1. Think about what your goal is. Want to get rid of your debts? Want to build a savings account? Do you want to work less? Take a big trip? Think carefully about what you actually want with more money, what are you going to do with that financial freedom? Having this in mind clearly makes it easy for you to think back to that goal when it gets tough. Think about it really quietly. Write down some things or make a mood board if you need. This doesn't seem to be a sod to put on the dike, but your mind set is very important in this process. 2. Where do you stand now?  Do you have debt? You might still have money from people or your employer? What's your monthly income? Or if you have varying work; what is your annual income (divide by 12)? Insight is super important. You might see that you're far better than you thought, or worse. Sitting down for it can seem like a huge job, but do it anyway. See what your fixed charges are, but also how much you spend. If you find it difficult to find inspiration and motivation, I would like to recommend you some Youtube -watch videos about budgeting. If you're more of a reader like me, I recommend you books below. 3. Delete! Now that you have clear what your fixed loads are, and what your variable loads are, you can start deleting! And that's fun, because it saves a huge amount of time in a very short time.! A newspaper subscription that you only use for the litter box? A gym plan you don't use? A monthly charity transfer? Lotteries? A major Netflix subscription might be a notch lower. Your media package might be able to get the landline phone off? How high is your funeral insurance? Are you maybe double insured somewhere? When I went through, I saw that I had a property insurance with glass damage. But it was already insured through housing construction. Sin, so! Remove as much from your list as possible, the balance will look very different. 4. Save on your fixed loads.  Now that you've determined what fixed charges are essential, such as your rent/mortgage, gas/water/light, water and all those other costs, see now where you can save. You can't delete your energy contract but lower costs! Consuming less water can also be easily. Of course, you want to do groceries every now and then but can't be cheaper? And what about your variable burdens, such as presents, clothes and home decoration? Do a few simple savings tricks, and start making extra money there as well! Tips to Gas #Besparen - Autumn Has Begun! - Read more Saving Water is Saving Money - 10 Tips - #Milieu #Duurzaamheid - Read more 10 Tips to #Besparen #Bezuinigen #Energie - Read more 10 Tips to be on your #Boodschappen #Besparen #Bezuinigen #Geld - Read more Secondhand Gifts Giving is Durable and Cheap - Update - Read more 5. Embrace minimalism and relax! Minimalism is actually pretty simple; identify what's essential to you, and eliminate the rest. Go through your home and sell everything you don't need in Marketplace. You can use this money directly to pay off debts, or increase the balance of your savings account. Once you have the minimalist mind set, you'll see that it's getting more and more fun to live sober and simpler. The big advantage; it delivers money baking! How I Got Rich Thanks to #Minimalisme - Read more The Great Minimalism Article - # Inspiration #Ontspullen #Minimalisme #Declutter - Read more The Great Decompost Blog - #Inspiratie #Motivatie #Declutter #Ontspullen - Read more How To Do That? Selling on #Marktplaats. - Read more 6. Budget. Make a budget for yourself. Add up your fixed burdens, and see what you lose monthly. Some things you pay by year or quarter, so calculate how much this is per month. Add it all together, and you'll have a clear overview of your regular lists per month. Then you give yourself a budget a month, such as groceries, fuel, clothing, free money and gifts. This will add up to your fixed burdens and this is your total budget needed. Once your salary is deposited, you deposit anything above that amount directly to creditors or your savings account. There's nothing left? Are you still higher with your total budget needed than your income? Take steps 3, 4 and 5. When you're done with that, take another look at step 6. Adjust your budget. Maybe you'll have to spend a little less on groceries, or keep less free to spend money apart? 7. Save! By saving you immediately ensure that you can cope with any setbacks. The most important thing is paying off your debts; every euro that goes there is a paid off euro. But once your debts are paid off (or if you've made a good sustainable payment arrangement), you start saving, even if it's just one euro a day. Consider this money no longer yours. Is there 0.00 in your checking account? Shame yoh! So we're not going to transfer from your savings account. Watching your savings grow is a super motivation and keeps you from dominating the fear of unexpected spending. It'll be okay, you can fix it later if you have to! 8. Extra Money. Think about where you can earn extra money! With your hobby, maybe? Babysitting? Dog Walking? Online Income? My extra money is in an online income and horse-riding teaching. This is how I combine my passions with income generating! Where is your talent? Maybe you can start earning more online to get started with.? Are you good at filling in tax papers and can help people with that? Babysitting op de kinderen van je broer? Walking the neighbor's dog? Cleaning someone? Make Money Online/Work From Home - What Ways Really Work? - Read more Keep going, it's going to be okay. I'm fully educated and certified budget coach so if you have any questions, feel free to ask them! And don't forget to go through all the steps once in a while, this really helps. I do it at least twice a year. I love it because every time I see my ability (s) growing, I've started working less and am overjoyed! You go!   “GMVDMinimalism is an enthusiastic writer who enjoys sharing her pieces about saving and cutting, veganism, minimalism, consuming, relaxing, sustainability, zero-waste, self-sufficient living and simple living, as well as on all the other topics she has in everyday life. encounters. She lives with her cat Sientje and her chickens Annabel and Zarah in the middle of the Netherlands. As a fanatic vegan and minimalist with a green and sustainable heart, she doesn't take a leaf for her mouth. She also wrote a book, ' Big Life on a Small Budget ', what you HERE you can buy. Do you want to follow her and always be the first to know about her daily writings?   Then join her Facebook group by clicking —> GMVD Minimalism  ".