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Welcome to episode #68 of "Not Me, But You!" Do you enjoy the Christmas season? The particular holiday that you celebrate is not as important to me, as what you do with the holiday season. I LOVE Christmas time and each year I use it reflect upon the year that has passed and to look forward to the New Year. 

In this episode I talk about it sometimes being necessary to take what appears to be "drastic steps" in order to be successful. I talk about real life ideas for you to consider to help you save money each month. There are plenty of people who talk about "budget cutting." I believe having a budget is key but I focus more of my energy on increasing income rather than always looking to ONLY cut expenses. 

Your monthly budget is nothing more than a math equation. We simply need to get that math equation working in you favor each month. To put it simply, we all need to spend less money than the income that we have coming in each month. 

Wealthy people think differently when compared to the average person. I discuss how wealthy people think of their dollars AS their employees. The job of our dollars is to make us MORE dollars. So if you want to be in business but have never owned your own business, realize that it's your job to manage your dollars (employees) so that your money goes to work to make you more money. 

In general, I have compassion for the normal struggles that small business owners face. 2020 where we saw the lockdown of local economies has caused me to have even greater compassion for small business owners. Most small businesses can't survive months and months of a locked down economy. So if you lost your business in 2020 email me at [email protected] and I'll help to give you some ideas on how you can use the power of your internet connection to create a new business. 

Lastly, realize the extreme value of your time. We can only spend time once in this life. So guard your time and treat it as the precious commodity that it is. How much time do you spend each week/month in front of screens being entertained? I make a conscious effort to track my screen time. By tracking my screen time, I make sure that I dedicate time each day to working on achieving on goals. 

 Have courage today, to pick one thing, and work on your dreams. 

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I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.