A lot of people just want enough money to pay the bills and be able to go on holidays. Is that enough for you? If you desire to get comfortable with wealth read on.

Changing your financial reality is changing what doesn’t work, and doing what does, so that you can start creating for now and the future.

About 15 years I was given some very simple tips that I used diligently; I’d like to share them with you.

Face your finances

If you have underlying anxiety about money, the first step is to be calmly present with your finances. Years ago I had a business where I didn’t pay much attention to the finances. When I finally sat down and got clear, I was $187,000 in debt. At that point I made a demand to change my financial reality no matter what it took and no matter what it looked like.

You really have to be the one to look at your finances; no one else can do it for you. If you need to clear any debt, work out exactly how much you owe and what it would take to repay over 12, 24 or 48 months.

What is your financial reality?

Another tool I used to revolutionize my financial reality was knowing exactly what it cost to live my life. This is also something you have to do for yourself. Write down every single expense you have. Be brutally honest; don’t hide anything.

With some expenses, work out the cost over 12 months. For instance with car expenses, you might spend $80 a week on petrol, but there are the services, maintenance, registration, etc., so add it all up and divide it by 12. It might end up being $150 per month.

Include fun things like going to restaurants and having massages or pedicures. When you get the total, ask for that amount of money and more.

The first time I did this exercise I was in shock, but I chose to go for it anyway. What was the worst thing that could happen? In months, I was on track to earning that amount of money and more! This doesn’t make logical sense, but every time I do this exercise my money flows change.

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