They focus on how to limit spending and focus on things which, while they will save you money, will cost a lot of effort and time—for marginal results! There are better ways to save time and money.
Most of all, there’s an entirely better way to approach how you look at your money. Rather than seeing it as a "budget"—a limiting and negative way to view personal finance which doesn't work—it’s really a tool to get the things you want in life as quickly and intelligently as possible.
I'm going to say that one more time. It’s a tool to get the things you want in life as quickly and intelligently as possible. Here are some of the things I'll be posting about:
- Credit Card Crash Course
- Why Budgeting doesn't work—and what to do instead
- How to Negotiate Your Salary
- How you can get the most out of your bank
- Managing your personal financial infrastructure so you can do the least amount of work possible
A knowledge of personal finance helps your professional development in a subtle but major way. Imagine a company of workers who are strangled with credit card debt. Constantly stressed out by money, they work paycheck to paycheck. They don't have an understanding of how money works and through their mismanagement they can't truly live their lives the way they want to. When they go out to eat, they order the cheapest thing and feel guilty about even that (not to mention it kills a major networking tool). They lack a major life skill necessary to lead a happy a life.
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Now imagine a company full of workers who know how to manage their money. They have interesting hobbies, directions in their lives and a general sense of contentment. There's no underlying source of desperate stress running through the office. In fact, they're used to actively identifying, creating or otherwise pursuing methods to make their lives more efficient and cheaper. They see opportunities and alternatives employees at the first company don't. A lack of financial intelligence is a crippling thing.
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