Wednesday, June 28, 2017

What is Emotional Debt?

Have you ever wondered what emotional debt is? Does emotional debt exist? To see if emotional debt exists for your personal finances, it is as simple as examining your bills, spending, and where your money is going and who - your money is going too.

Do you like to help people financially? For most - the answer is yes. It feels good to give money or buy things that someone needs. We like to feel that we are helping others out of their problems. But are we creating problems for our finances - by helping others?

Many families suffer from emotional debt. How many parents have their adult children on their health or vehicle insurance policies? How many parents finance their adult children vehicles, homes, personal loans, and other items that require credit - that adult children haven't established on their own yet?

This emotional debt can increase stress, family conflicts, create financial hardships, plummet credit scores - instead of - improving them and leads to a chaotic train wreck. For emotional debt does not teach the adult child how to become a self-sustaining financial independent.

Anyone who has ever researched and applied new information to increase their credit score knows that it takes time, effort, and lots of hard work with financial control to improve and increase a credit score. This requires patience. How many consider using patience as a tool when managing money or home budgets? Most do not. Why?

Because most are impulsive buyers. We see a loved one has an immediate need. We want to fill the need. We don't want anyone around us to suffer. So we immediately leap - before thinking of the consequences. We never consider the lessons we are teaching. But we will harp and bark all day long about the stresses of our finances because we chose to help - not realizing - the methods of our help are just good intentions without effective and positive long lasting results.

The hardest part of managing money is to consider the long term lesson - before - acting upon the immediate feel good.

Is it better to teach someone how to control their own money, be patient with their money, and use self-control to manage money or is it better to help them while teaching them nothing?

I believe the answer speaks for itself. Emotional debt is a huge problem in America. Yes, wages are lower compared to the increase costs of living. However, when our NET incomes state that is the only money we have - then it is up to each of us - to spend within that NET income to do the most with it.

We can't keep being emotional debt spenders. For we keep stress in our current generation and we do nothing to teach future generations how to control money - instead of - letting money control us!

It has been said that money is the root of all evil. When one considers all the bad, negative, and horrible emotions, feelings, and criminal actions that gaining money unlawfully can provoke - money does appear to be evil.

But imagine if money isn't the enemy - but self is? Self has zero patience, zero control, zero discipline, and zero boundaries to the realistic values that money can buy and what money can not buy.

Unrealistic expectations of money taint the rich - as it does the poor. Divorce rates, broken homes, child support payments, and increasing medical debt prove how unhealthy most people are because they allow money to control them and they do not try to learn how money impacts their emotional status.

Telling anyone - no - that you can not afford to do something can be humiliating, feel shameful, and be very uncomfortable. But like with any healthy habit - it takes time to bring others on board to the good you are doing in your life. The more you say no - the easier it becomes. Sometimes, saying the word - No - will also reveal who is real and genuine to you and who never was. For real respect of others is built upon the foundation of the words - yes and no - used together. Not just the word - yes.

Many people use others for their money, resources, and what they can buy you or do for you. But once the emotional debt stops being spent - then the real problems come to light that show how money was not and never was the problem.

Greed. Selfishness. Lack of caring. Lack of sincerity. Impulsiveness. Immaturity. Irresponsibility. These are just a few problems that people have internally - when they are told no - that you will not give into their financial demands anymore. Their actions and reactions prove if they are spoiled by emotional debt and dependents upon others - instead of - being financially independent.

Money becomes complicated because of our emotions. But when the math of your money reveals the truth - believe the math first. Why?

Because emotions can be used to manipulate others and to justify self for one's selfishness and to pardon bad or negative financial habits. Math and money requires respect because it produces logic and truth.

So consider what is wise spending and mature budgeting and what is simply emotional debt. Even stopping the minimal wasting of $20 here and $20 there on emotional debt will improve finances. But that's something you'll have to apply personally and not just take my word for it.

One maybe perceived as being a horrible person when saying no to emotional debt. However, to have peace with finances and money and feel secure with your NET income of what it can do and what it can not do is a truth that any financial situation will always survive and thrive through - regardless - of what the economy, taxes, and government do! They don't live in your home. You do! So don't let your own emotions manipulate you into financial chaos that you can learn to stop and prevent.

Saturday, June 17, 2017

Effective Ways to Manage Home Budgets

Are there effective ways to manage home budgets? Will these tips include quick fixes for bad or tight money situations? Are there fast answers and solutions? The answers are NO!

There are not simple nor quick fixes to manage home budgets. To successfully manage money requires time, money, self-awareness, self-control of money, and a delayed gratification mentality.

Spending those dollars faster than they can be calculated as withdrawals will keep money problems alive and will do nothing to solve them. Controlling money is as much about self-awareness, self-control, impulsive education, and emotional education. How are these things important and what do they have to do with controlling and spending money?

Many adults complain because they struggle to make ends monthly. As soon as one month ends of every bill being paid - it is time - once again to recalculate and budget the bills and buy the necessities. It seems like a never ending cycle of stress, worries, and woes with no permanent end in sight to pay off bills and get out of debt.

If one invests dedicated time of internet research for financial help, credit score management, and how to live frugally within our salaries - it can be greatly beneficial to each home.

However, it can also be depressing or even provoke anger. Why?

Because the cost of salaries does not increase at the same rate of our economy.
Homes, vehicles, groceries, utilities, healthcare and the general cost of living in America is not fairly equated on our Gross versus our Net pay. Taxes seem to be the working person's greatest enemy.

But how can we overcome this? We accept what we can change. We make peace with things we can not change. We admit our responsibility to do right - even when - others do not!

If our Net income states we have $2000 a month to live on. It is our job to live within that $2000 a month income and not the government's business.

So be law-abiding and responsible with accountability anyways! For the rewards of doing what is right will always be more favorable than doing anything bad to play games ever will be. Honesty is always the best policy that does pay the highest rewards and this is never evidenced more than when spending money wisely and then when lying about money to live falsely. How you manage or spend money will tell on the character of the person you really are. So what would money say about us?

Many people who have fortunate incomes that supplies their needs and wants will advocate for investing into stocks, bonds, savings, and other methods to invest money to reap profits.

However, for the average family of two working adults - they are lucky to be able to barely afford the extra money that allows their children to participate in sports or have the opportunity to go to college and participate in many of the extracurricular activities in school - that most - just do not have.

So how can one make the most of their money and invest as a poor person? How can one effectively manage home budgets? Imagine if every bill you have - that you must pay - is a business account.

How would you manage it? Would you pay an invoice for your job or would you throw it away knowing that it could get you fired? Then don't play around with home budgets either. For the sting of a bad credit report is not something you want to taint when you can control it.

If home budgets were professional accounts that our boss judged our work performance on - would it speak favorably of our financial skills or would we look completely incompetent? Are our accounts organized? Are our accounts listed neatly by due date and organized that a stranger could come in to audit our finances easily?Or would we be searching, digging, and worrying about the documents we can't find that are needed?

This is what home budget management is all about! Our business! Our livelihood! A greater reflection of our true skills than any we possess or display on the job! Are we making improvements? Are we trying? Or do we simply just do whatever and when those bill collectors call - we ignore them?

Healthcare is the only aspect of our financial life that we can not control. No one chooses to be sick. No one chooses for their thyroid, pancreas, kidneys, heart, or organs to fail them from normal operations or other health conditions that arise.

No one chooses to decide on the most necessity of health treatments versus letting other ailments go. But in the real USA where incomes are not efficient and taxes are not fair - each much articulate their financial plan and budget that works with their income to afford them the best quality of life by being honest - even when - managing the more serious of their medical conditions versus the smaller ones. Health is one weakness that each will experience financially in their life. This can make or break an income. Many doctors advocate for fast fixes and many medical conditions have NO fast fixes. So be wise. Learn and do your own research! Learn alternative methods that work slower to improve medical symptoms - but are cheaper and more effective. And never be afraid to get a second opinion! Some doctors are truly only in the profession for the money and health insurance companies are always open to take your money for their business too! Make no mistake that healthcare is a business operation. So research and learn ways to help your self medically also.

Become organized and use the internet to help you manage your accounts!  Most companies allow account management online to pay bills and schedule payments for free.

One must have a debit/credit card or checking account to sign up for free. If you have bad credit/debit or checking account experiences that have tainted your credit. Then you can only be patient.

It takes 5 years from multiple closed accounts of bad banking experiences to be cleared  - before - you can get a new checking/savings accounts.

It takes 7 years to rebuild credit after having a vehicle repossession. But paying your bills monthly and on time with a secured credit card can speed the process up of recovering from bad debt.

Most won't tell you this because banks and lawyers make money off of bankruptcy! Learn ways to use the system that works for your bad financial situation. Don't buy the first bill of sale of advice they sale you because it may not be in the best interest of your budget, incomes, and medical conditions.

Electronics payments can be input as one time payment submissions or as monthly payments.  Sign up and have peace of mind that your bills are paid and the companies know they can trust you to keep doing business with you! To keep your information safe - close the tab - after you sign out of an account. When tabs are left open - they keep the back door open to hackers of your information. Close the tab and you close the eyes of intruders and internet hackers.

Create an organized paper system to manage your bills monthly. Do not rely on electronic storing of personal information of your accounts. As this allows hackers opportunities to access your account when your device is still connected to the internet.

Some people use an envelope method. Some use auto draft payments based on their incomes of monthly - biweekly or weekly paychecks. But whatever you use - make sure you are organized to have paper copies and use a paper filing system to keep your online accounts secure.

Create a simple tracking system of your monthly bills. You can use a cheap and small photo album and index cards. A $2,00 investment at the Dollar Tree to manage your accounts! Most waste that money on a can of soda, movies, or other frivolous stuff - even a poor person can afford this method!

Cut the index card to album size. Write the bill company name - account number - account contact phone number - due date - payment amount - Internet Log In and Internet Password on each index card. Arrange these bill paying cards into the album by their due dates. It's an easy and cheap Rolodex for bill management.

Then write on a desk calendar - ($1.00 at the Dollar Tree) - the bill name and amount for the date they are due. Then write on the calendar the pay dates you have and the estimated paycheck amounts.

Hang this calendar up on the wall where you keep your bills and manage your accounts. This way you will have a visual reminder. You will know what bill is due. When you flip through your photo album Rolodex - it runs with your calendar.

This helps to juggle the bills and juggles the paydays for extra overtime money or annual bill reminders also. The invoices or bill statements can be put in filing storage. Most bills are repetitive. This system helps you stay on top of it - instead of - having 20 sheets of paper to go through for 20 bills. They are organized in 20 slots of a photo album. By using a photo album and index cards - you can keep updating as your bills change.  It helps to improve your money skills by paying before the due date. This methods teaches you options through organization that you may not know existed when using the calendar due dates with pay dates to help you better manage your money also.

My grandmother used a notebook that she kept her monthly bills in and a calendar inside the notebook. She mailed her bills in monthly and her method worked for her. But with technology and each income - our methods must change that works best for our bills. There are so many ways to become organized to manage money better that is merely one suggestion of thousands on the internet.

Many times in the corporate world, one will see all the electronic software programs that manage numerous accounts with electronic and paper filing systems that makes our home budgets look minimal in comparison. However, when money is involved - there is no such thing as minimal! For the way accounts are organized and monitored and paid do matter from the largest of accounts to the smallest.

Each home has accounts payable and accounts receivable.  But we won't hear the corporate world discussing this with regular people - will we? Why is that?

Your bills that you pay are your accounts payable! Your income that pays your bills is your accounts receivable!

But most never think of our personal finances and home budgets in this way. Why? Because somewhere in the hierarchy of people's incomes - lifestyles - education or lack of - and the communities we live in or the influences we keep ~ we desensitize the importance of money management by the income that one has. We want people to believe that some are smarter than others - based on the money they manage. But one who manages $20,000 yearly income is just as a smart as a person who makes $50,000 when they manage it responsibly and honestly!

A $1.00 bill is just as valuable to a rich person - as it is a poor person. However, a $1.00 bill will be spent differently by both. The way each manages money will create the differences of positive or negative effects and make enemies of people. But it shouldn't. Sadly, it does. But if we used rich people's terms to discuss our less than nominal incomes - it closes the bridge of financial intelligence - now doesn't it? For financial experts claim their fame to manage 50 accounts payable and 20 accounts receivable a month - while most - working class will manage 20 accounts payable and 4  accounts receivable at home each month! Not much differences in the terms of money talk - huh?

For a person who makes $20,000 a year is limited by their $20,000 a year income! That's the maximum of what their life can afford them. It is has zero bearing on who they are as a person. It just means they have more financial skills - in a sense - than someone who manages $1 million dollars. How is that?

For $1 million buys chances, opportunities, and fortunes of 1 million times.
$20,000 will only buy 20,000 chances, opportunities, and fortunes. So one has to learn to do more with less and in this essence - it does and will make them more financially smarter! You can bank on it!

But if we looked at people by their income for the opportunities they could do - we realize - just how limited people truly become. The math of money will not add up that a $20,000 income will afford the same lifestyle as $1 million dollars will. So what can a person do?

Be real and appreciate the 20,000 of the $1 bills you do have. Consider ways to spend and live differently. Budget differently. Learn to control and manage your expenses. Look at the utilities you use in your home to find ways to make cuts and save money. There is no shame in living minimally in one area of your life - so you can afford to live better in other ways!

Respect the financial differences with others. Realize that most who appear to have more money - usually will overcompensate with material possessions and luxuries and be just as in debt and in misery with their thousands or millions of dollars - as you are negatively impacted by your pennies.

Managing money requires a lot of discipline and skills to manage a $20,000 yearly income - but it is not impossible! Analyze. Organize. Compromise. Be frugal. Learn how to appreciate being a minimalist.  Be happy when your 20 accounts of monthly bills are paid. Look forward to keep paying your bills. Celebrate when your bills decrease because you took the time to plan and give commitment to decreasing them or paying them off.

Most compare their life with those who have more money and will give up trying to manage their money because they don't own a blackberry or an expensive software or mobile app to do it for them. But it is as simple as using creative methods on a tight budget to organize, analyze, and keep those bills paid and to pay them off!

Not every effective method that works for one person's income will work for another. But don't give up on learning new skills that helps you make peace with your income, the lifestyle you can afford, and above all - admit your errors with money and stop doing them. Denying you have debt and horrible spending habits will not fix the problem. So be honest. Because money will never reveal an honest trait about your character - until your actions prove it! That's how money and math will never lie ~ even when - people do and will!

And never let the total money of income of another fool you. If they make $50,000 a year - that means they have more headache of money than you do and more pennies to be honest about. Jealously, bitterness, resentment, and anger toward money will not help you to become a better financial manager at home - only you make the choice to do that ~

Monday, June 12, 2017

Should a home budget have compromises?

What is a compromise? A compromise - in simple terms - is to basically settle a debate by reaching a peaceful agreement using two different points of views to create one solution.

In a home budget, the words: wants and needs require compromising to create a mature budget and a financial healthy one.

Many take for granted that wants and needs are the same. However, they are not -when it comes to managing and controlling money.

For instance, a want is something you do not need to survive on with items or things that you can live without. Most believe - we can't live without internet, phone service, expensive entertainment or name brand clothing, and other items.

However - food, water, shelter, hygiene products, transportation, and clothing are basic primary needs. Everything beyond this should be considered a want and meticulously evaluated and analyzed in the home budget for the "want" that it truthfully is.

For instance, phone communication and internet connections are a necessity to have to communicate with employers, families, and friends. The electronic devices we use to achieve this are optional on the quantity and quality we have with them.

Most pay for a landline telephone and a cell phone service. Why? Does the cell phone work at home? Then why pay extra for a landline phone? This is just one scenario how analyzing wants versus true needs can create a compromise in a home budget.

Why pay for a landline phone service when the cell phone service works well at home? There are many telecommunications services online and with device applications that one can fax from their cell phone and this feature no longer requires a fax machine nor a fax number at home - so - why pay for two phone services? This is just one way to compromise.

Many fail to see compromise as an effective and positive problem solving solution. They feel if their point of view is not taken in financial matters that they will lose, be deprived of something they think they must have,  or worse - they value their personal character of who self is based on by material items of wants that plummets their self-esteem when they don't get it.

It is a chemistry fact that spending money increases endorphins and other feel good chemical reactions in the body - when  spending money on wants - without restrictions and thoughts to a budget. But this feel good high has landed many people into bankruptcy - low credit scores - vehicle repossessions and many other hardships because one simply refuses to compromise what they value as a want or a need.

So should a home budget have compromises? Yes. Why? To create and achieve a healthy and responsible financial plan that gives security for you and others who reside with you. You can teach others to appreciate their needs being met and reaffirm that this isn't free - while - allowing a few extras of wants with freedom to spend.

For example, say you done paid all the responsibilities in your budget. You have $20 left to do whatever "want" with. Consider saving the $20 or use it to store browse or go watch a movie without seeing what's playing first. There are many healthy ways to spend money and get the high feeling without becoming reckless and regretful of it.

Many use gambling - for fun - at first. It can be fun. The video games that hit a big win that locks it up or the card games that allow you to win. Those things feel wonderful - when you win! But if you don't budget responsibly - you'll end up losing all of your playing money and your bill money too!

So be frugal. Think of compromises. Think of the relationship that you have with money. Think how money affects you on a personal or emotional and intellectual level and how money spending or budgeting affects others around you. For your perceptions will improve how you relate and spend money or it will be a stressful demise that never seems to end - no matter how much money you have.

Money is a tool that should build a life. Not destroy it. And if money is causing you more problems than it solves - it is you - that should seek financial help to see what emotional or intellect problems you have with your money.

For money is only an object. But how we use that object - always says more about us - than anything good or bad the money purchases or produces. Humans control the money. It should never be the money controlling the human.

Tuesday, June 6, 2017

Learn to Defeat Money

How does one learn to defeat money? What is this concept? How can one defeat money and the problems that arise with having money, working for money, and managing the money? Is this even possible?

For the majority who work daily and budget frugally to survive - it can seem like a never ending battle to prevent the gas refuel light from coming on in a vehicle - before the next payday. 

Make no mistake - these are tough economical hard times that most of us are financially struggling in. 

So how can we defeat money - instead of - feeling like money defeats us?  What good could come from acknowledging spending habits, budgets, bills, and stretching each penny a little further? How can we end the circle of stress with our money?

To defeat anything (object or human) - one must know their opponent's tactics. One must be aware to the opponent's ability to offend - defend and what they do to manipulate us to defeat us. Have you ever thought about an opponent in this way?

One must be aware to the emotional, rational, logical, and physical strengths and weaknesses that an opponent has. So are we talking about a sports match or an intellectual debate? Are we disregarding how to defeat money now?

Actually - no! We are going to view money as our opponent. So how are we going to do that? By answering a few questions honestly. 

How would we classify our relationship with money? It is a healthy or an unhealthy relationship? How would we classify our money relationship at work that we are responsible for? What about at home? Would we call money our friend or a foe? 

Anyone who struggles with money needs to become aware of why their money is their opponent. They need to understand the origin of what they do with their money and learn how not to be defeated anymore. Why? 

Because many spend money without a thought to the impulsive actions they do. They spend without thought to the consequences of their financial actions. But they will surely whine and cry when the bills aren't paid - after - they come back from eating at a restaurant they couldn't afford. Why do people do that?

Did you know that spending money is as much a stimulant as caffeine and soda or sugars are. Ever consider the high you feel of shopping without thought or regards to your consequences? How many window shop and end up purchasing excess of things they do not need? Ever take inventory of every possession in your home or your vehicle that equates to clutter, garbage or ends up being sold at a price that has zero equity or investment for you? That's the power of stimulation that money buys you - when you don't think about it.

But now - if you thought about what you can afford to do and what you can't afford to do ~ how would that change your life? Your habits? Your hobbies? Your relationship with money? Your relationship with people?

Start making a commitment to your self to pay attention to how you spend every penny. Notice who you spend the most money with. Admit why you spend more money with some people and not with others. Learn what emotional fulfillment you get from spending. Be honest in your answers. 

Consider waiting - before - making any purchases. Set a one week decision date - before making any new purchases. By thinking of these things and setting a future date - before making the action to spend - chances are - in a few weeks, you will not want that item anymore. 

Look at self to see how you could be the one responsible for the spending damage you do to your finances and increasing debt.

Next - view your money as an intellectual opponent. As if - your money could have the potential to be wise - but somehow - the things you do with money - seems to keep producing negative consequences. 

What can you learn about money to make wiser choices? What can you learn to create a healthier and less stressful budget? What new skills could you gain by researching finances on the internet to apply to your money? 

The internet is a wonderful free library. The knowledge that is waiting to teach you about your money and your personal finances can improve your penny spending to increase your dollar savings. Start small to learn about your opponent. Are you an emotional spender? Do you use wise budgeting skills? Do you hold yourself accountable with your money? Do you blame others about your money?

Facebook is loaded with sarcastic money quotes on many news feed every day. 
* Not enough money. 
* Politicians stealing money. 
* Family or friends won't let me borrow money. 
* And the list of woes continues. 

Some are funny. Some are just rude. But at the bottom of sarcasm, whining, and pouting is truth. The truth usually is within each person to be honest about and to change it. We can't force financial changes upon others. It is up to self to do and up to self to be responsible for. 

Complaining about money will not fix your money problems. Envying or being jealous of others' possessions, quality of lifestyle, and their financial gains will do nothing to help you increase money knowledge and to solve your money problems.

What if - you considered your brain and emotions as your primary enemy and opponent that defeats everything in your life - including how you relate and spend your money? Many will agree that we get consumed in our thoughts and emotions to feel like our own worst enemy. Some even will say they feel "emotionally paralyzed or numb." 

So what if we apply this same generalization to our money situations and the actions of how we spend our money? What if our perceptions and views are our biggest opponent that defeats our money? What if - each person is the primary reason of their financial demise? What if - each spends their entire time and life complaining about money - but never hold self-accountable? What if - self is the biggest problem of money and self keeps denying they have a money problem?

For anyone to manage money wisely - they must have a balance internally. One must view each purchase and every bill as a emotional, rational, or logical investment in their life. For each penny has the power to improve our life or make it worse. However, most never realize the power of money as our opponent until the bad consequences pile up to become more than we can handle and cope through. 

This internal process is a mixture of thoughts and emotions that become our actions. Self-discipline and awareness begin by pondering these questions and answering them truthfully. 

"Why do I think or feel like I do?"  
"Why do I act the way I do?" 
"Why do I respond the way I do?" 
"What or who have I allowed to influence me?"
"What type of influences would help me improve my life?"

As you can see - money goes a lot deeper into a person's psyche than simply calculating pennies and dollars.

30 years ago - everyone had an excuse not to learn something new. Unless you paid to go to college or traveled to a library - free education was not something that everyone had an opportunity to gain. 

But since the internet has exploded into practically every hand, every home, and with multiple devices - we have no excuses for our emotional, logical, rational, and impulsive deficiencies and weaknesses anymore. This includes how we relate to money and how we spend money.

Money is a tool. Money is an item to be controlled. The only way to defeat money problems is to be honest with what you do with it. Stop looking at others. Why? Because their budget - choices and spending is not and will not be the same as yours. 

No one wants nor plans to file bankruptcy. No one wants nor plans to have a vehicle repossession. No one wants nor plans on having a foreclosure. No one ever signs a loan contract with thoughts of what will happen if I lost my job, become disabled, or can't no longer meet the obligations of this contract. 

But these are the things that one must consider - before signing any line of debt. These are the things that we must have answers for - before - signing on a debt line. 

For the only person that can defeat your money and conquer your money is you! Any loan obligation is not a bad thing when remembering that the loan, interest rates, and duration of a loan are a tool to give you the means to have what you want. But the destination of that loan is for yours to control. How you pay for it when the worst situations could occur is on you to have a plan for. Buy with a plan on everything! Set your own payoff date. Have a plan that is realistic to what you can afford. Never spend money that you can't afford. 

Do not continue spending your money by using the past tools and skills you have. Keep learning. Everything about money has knowledge to be gained through researching - learning and applying new skills. Make your money work smarter for you!

For instance - utilities bills have acronyms for what a customer uses. Do you even know what GPM or KWH mean? These smallest of details that one overlooks on their monthly bills - makes the difference of controlling a bill to pay what you can comfortably afford by knowing what these things are and how you can learn to control them by researching and learning more about them to help improve your life and your money!

* So dissect each monthly obligation you have. 
* Learn what those bills are and the products you are paying for. 
* Learn ways to improve your skills to control what you pay. 
* Learn what you can do to control your money and make wiser, smarter, and more responsible choices. 
* Accept what you can control. 
* Admit what you can not control. 
* Accept what you can learn and improve upon to apply new ways to deal with money. 
* Be forgiving to self when you falter. 
* Demand as much patience from yourself through this learning curve, as you would teaching a child a new skill.

Money is a tool that can be defeated. You can gain peace with the bills you pay, the luxuries you can afford, and the security of knowing you have a plan that you can happily appreciate and be responsibly content with. 

When there is no one - but you - in the silence of your mind - is it a good place to be?  Or is it a horrible place to be? That's what you need to find out and seek out. Never give up on defeating money. Because the only one responsible for burning your money or growing your money is you. Everyone has the ability to learn something new to help improve their life. What will yours be?