Make these affirmations below, out loud, every single day,20 times in a row for each affirmation. Do this diligently every day without missing a day and watch the awesome results!
THE WEALTH OF THE SINNER IS LAID UP FOR ME!"
"I AM A WINNER! I ALWAYS WIN! I DESERVE TO WIN! I LOVE WINNING!"
"I AM A WINNER! I ALWAYS WIN! I DESERVE TO WIN! I LOVE WINNING
MONEY FLOWS TO ME IN ABUNDANCE, EASILY AND EFFORTLESSLY!"
IN JESUS CHRIST NAME AMEN!!!!
"The Total Money Makeover" is a personal finance book written by Dave Ramsey, a renowned financial expert. The book provides practical advice and a step-by-step plan for individuals to take control of their finances, get out of debt, and build wealth. Here are the key principles outlined in "The Total Money Makeover":
Create a budget: Develop a detailed monthly budget that accounts for all income and expenses. This process helps you understand where your money is going and enables you to make informed decisions about your spending.
Build an emergency fund: Start by saving $1,000 as a starter emergency fund. This fund acts as a buffer against unexpected expenses or emergencies and prevents you from going into debt when faced with financial setbacks.
Pay off debt using the debt snowball method: List all your debts from smallest to largest, regardless of interest rates. Make minimum payments on all debts except the smallest one and throw any extra money at it until it is paid off. Then, move on to the next smallest debt. The momentum builds as each debt is paid off, leading to faster progress and increased motivation.
Establish a fully funded emergency fund: Once you have paid off your debts, build a fully funded emergency fund that covers three to six months' worth of expenses. This fund serves as a safety net during unexpected events such as job loss or medical emergencies.
Save for retirement: Contribute to retirement accounts such as 401(k)s or IRAs to secure your financial future. Aim to save at least 15% of your household income for retirement.
Save for children's education: If you have children, consider starting a college savings fund, such as a 529 plan, to prepare for their future education expenses.
Pay off your mortgage: Work towards paying off your mortgage early to eliminate the largest debt burden and become completely debt-free.
Build wealth and give generously: Once you have achieved financial stability, focus on building wealth through investments and wise money management. Additionally, practice generous giving to support causes you care about and make a positive impact on others.
Remember, these principles require discipline, consistency, and a willingness to make sacrifices in the short term for long-term financial freedom. It is important to customize these steps according to your individual circumstances and consult with financial professionals when needed.