Today I was in Future Shop , a consumer electronics store, and noticed that there was a lady who was trying to return a DVD movie as she wanted a refund. She did not have a receipt and mentioned that it had been over two months since she bought the item. The reason she wanted to return the item was because the DVD was damaged as it was literally broken in half. When the lady was asked on how that had happened she explained that she had accidently stepped on it. Afterwards, it was explained to her that they would be unable to give her a refund because it had been over two months, she did not have a receipt and the DVD was physically damaged.

She then started to go off on how she has bought so much from the company and that it was not only unreasonable but she then threatened to never shop there again if they did not reimburse her for the DVD. In the end, she was not allowed to return the DVD and she marched off with a disgruntled attitude. I wouldn’t be surprised if I see her in the future publishing her comments on some kind of Future Shop sucks type of site(I personally think she was very unreasonable).

Times like this I am just amazed on how some people take absolutely no blame for their life ordeals as if they are a child that doesn’t know any better and require their parents to clean up their mess. Similar to managing your finance, you must be able to take responsibility on things such as your spending habits in order to improve on it. For example, if you are working at a job that pays you a very low wage and every month you are struggling to pay the bills, it is very easy to start blaming all the problems on the fact that your current job doesn’t pay you much. Instead, why not ask yourself “What can I do to fix this?”.

You’d be surprised on how many times where I have tried to offer people advice on ways to save money by first learning about some of their habits and they would respond by saying things such as “I like to go out and drink with my friends a lot”. When I ask whether or not they would be willing to take it easy on how many times a week they would do things like that they would tell me “No Way. I only go a few times a week. It doesn’t cost me that much anyways”. If you are unwilling to recognize that your outcome is the result of what you have done, then you shouldn’t be complaining as that is the type of lifestyle you are choosing to live.

Take responsibility for your own actions and you’d be surprised just how much wiser and independent you can become in managing your lifestyle.

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Today I was hearing about a person who wanted to quit smoking but would frequently give in to temptation. For example, the person would just be walking by a store and then would decide that they have money so why not buy a pack? When you think about, virtually in every situation where a person wants to change a part of their life, we would often see them try to take the easy route out without changing their habits/attitude first.

Just like if you want to lose weight you will have to change the things that you do and not just rely on some quick diet. Similarly when it comes to one’s financial situation, if someone has trouble saving money then just giving them say $1000 won’t necessarily get them out of their rut as they will continue to make those impulse purchases or spend more than necessary on goods and services.

For myself, I’ve been very conservative with money ever since I was a child, but there was a time during my early young adult years where I frequently spent more than I really needed to due to the fact that I had the funds available, so it didn’t seem like a big deal. It wasn’t until I sat down and actually looked at the transactions that occurred on my bank account to see just how much I was spending that I realized that change was needed. For example, back then I had just started my Internet site I was pretty open to virtually everything that I read to try and make my site successful. Even with little things such as $20 for site submission services was like pocket change, but it did add up. I have a fairly high standard on how much funds should be in my account and when I saw that number quickly dropping, I decided that it was time for a change.

What most people would do is that they would try to find some get rich quick way which they feel would solve all of their problems. Instead, I used the “The other way to make money is to save money” approach and started by first making myself learn more about the Internet so that I could do most of the tasks by myself. Now instead of taking the time to find products/services to improve my Internet business, I was learning how to do it. Not only did this save me a lot of money, but I came out with so much more knowledge about the industry and this was only possible because I decided to change my habits.

Think of it like a vending machine dilemma. If you just happen to have a dollar in your pocket, you are more inclined to use it to buy that drink whereas if you didn’t have it you would have no choice but to not buy it and therefore you would save yourself money. If you are currently in a position where you are not entirely happy with, you must be willing to change your lifestyle. If you keep doing what you’re doing you’re going to keep getting what you get.

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Hello to everyone who has stumbled upon my personal blog on the Internet. Everyone is probably wondering what this blog is all about and why I decided to write one right? Sounds like the perfect topic to write about as this is my first official entry for this blog.

I personally consider myself a very ambitious individual who always strives to be the best at what I do while constantly growing and expanding my life experiences as there is so much to do and learn in life. While money isn’t everything in life, it definitely does play a role in determining what type of lifestyle one can live. Every day I hear of people who struggle to pay bills or individuals who drool over the thought of owning the latest and greatest. Bottom line, they all complain that they don’t have enough money. I’m personally not a millionaire, not for now at least, but in terms of finance and being able to get the things that I really want, such as going to school without worrying too much about tuition or buying a video game without fearing that my credit card is going to be declined, I have done fairly well for myself. Many of my friends and colleagues also recognize my financial stability and often joke that I am some kind of billionaire.

Quite honestly, most of the people that I have met who complain about their financial situations can easily turn things around if they would just change their habits and attitude. While I do many things to generate an income, one would automatically assume that the answer to their financial problems would be to simply make more money. How you spend it though is also an important factor to consider as I’m sure everyone has read of stories of wealthy individuals becoming broke. Hopefully from writing this blog, I can aspire people to take control of their financial situations and by sharing the events happening around my life it could provide others with ideas to help enrich their lives.

Writing this blog may also come with some consequences as due to the nature of the theme topic, I am prepared to take a lot of criticism from people who feel that they can offer superior advice and lets not forget about the amount of spam I will probably receive from people trying to pitch ways on how I can get rich quick. As I mentioned above, learning different things are always goals that I strive to achieve and writing this blog is something new for me which I hope you all will find beneficial and entertaining.

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