Seeking

One of the signs of a person who loves their family very deeply is to give them the best of everything possible. We have to know what those best things are and how to get them for the best price. I’m not talking about iPhones here, let’s consider needs, like food.

We have to eat, but there is a lot of garbage “food” out there that is terrible for our bodies and have serious long term consequences. Therefore, we should seek out real food, that comes in recognizable colors and textures. We have to research food to know what is actually helpful and nutritious, and what can be harmful. There are some foods that pretend to be healthy, but can actually be very unhealthy We have to read and research to find the best options to put into our bodies. Take eggs, for example, packed full of protein and cholesterol. Not exactly a health food, but one people eat all the time, probably because they don’t know any better.

Once we determine what the best options are, we need to seek out the best deal. We’ve talked before about the importance of good money management, spending and saving wisely. This comes from doing some more homework. Check out different deals around town to find the best one. Cooking meals based on produce that is on sale can do a lot for the monthly budget. This isn’t just for meals. Finding the best deal on a car, new kitchen appliance, or the best bank to use, are all important and require some research.

Seeking out the highest quality resources is very important for living a physically healthy and financially responsible life. Getting into the habit of never making a large purchase without extensive research, making a moderate investment after doing some homework, or doing regular shopping with a plan, will set an important habit for the future.

  1. How do you usually make the decision to purchase something?
  2. What are some tangible things you can do to become a more educated consumer?

3 Major Financial Goals

I don’t think young people think about finances like they should. We think we are making money therefore we can spend money. At times, we spend more than we have and really get ourselves into trouble. It is important for us to make wise financial habits. Here are three of my financial goals:

  1. Live debt free: This is so important! Debt is like slavery. When we are in debt, everything about our lives can fall apart at any moment. The bank can take our homes, cars, and savings because of debt. We may lose our jobs and create major trouble for our families. It is so important to get out of debt, and stay out!
  2. Invest: Passive income is awesome. You probably don’t want to have to work for the rest of your life so it is important to figure out how to generate passive income. Consider investing in stocks, bonds, and real estate. There are several factors you’ll need to consider, but creating passive income for yourself is a great way to have income in the future.
  3. Save: There is always something to save for whether it’s long term or short term. Short term would be saving for a new computer, long term would be saving for a house. I highly recommend you start saving now. You should be saving up for a home and your retirement. The earlier you start, the more you’ll have later.

Developing financial goals can help all aspects of your future, so set aside a little money each paycheck for the future. Also consider how the decisions you make now can affect the rest of your life. $100,000 in student loans now, $30,000 car loan, $300,000 home loan all adds up to a lot of debt. You will be working the rest of your life just to pay these things off. Take your time and be smart about your money.

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