Americans love debt. According to this study, the average American carries more than $38,000 in personal debt in 2018 on top of their home mortgage if they have one. This is $1,000 higher than last year. If you are in debt, you are not in control of your money. Borrowing money to buy something you cannot afford on your own means you are spending money you don’t have. If you want financial freedom you need to reduce the amount of money you owe to other people.
Online shopping is such a lifesaver these days. People are constantly looking for ways to save time on shopping for groceries and household goods. This totally explains why grocery store pick-up and sites that allow you to have products shipped straight to your front door are so popular. Women, in particular, are busier than ever, and I’m sure you will agree that your time is better spent on the things that matter most to you rather than the things that don’t.
One of the top three answers I get when I ask people what keeps them from achieving their goals is money. Some are stuck in a job they hate, but they are too scared to give up that source of income to do what they really love. Others feel they need more money than they have to live the life they want to live. So, let’s talk about some of the ways you can manage your money well to ensure that you don’t start using that as an excuse to not create a life you love.