subject: Never Too Late To Achieve Financial Success [print this page] Financial freedom or financial success is crucial for us to live a healthy and normal life; especially in the long run to cater for long term personal and family based investments. But before that, without having proper finances, getting through each day may already pose a great challenge or become much tougher than usual. Imagine yourself in a situation of not being able to afford even a good cup of coffee to rejuvenate, not being able to buy a piece of cake or pastry at the baker's house, always resorting to get only the smallest size travel pack toiletries to get by the few survival weeks so you would not have to live without any, or not being able to afford a small gift for friends and family. All these can be quite basic necessities in terms of getting by everyday life, but if you are plain peniless, then all you could do is to walk away heads down from each of these little but important things.
All the more pain is there for those living on the average or slightly lower income groups when society today is filled with so much brightly lit and colorful advertisements or marketplace temptations. For those who struggle all the time for survival, life can be painful and filled with negative feelings amplified by self doubts as a result of immense stress and peer pressure when our own acquisitions could not quite match up to those around us. When we live below par or not within normal means, it also becomes very difficult to strive for a balanced and healthy lifestyle or cultivate a healthy mentality. We may choose to shy away from friends when we know that the basic needs too may seem so far fetched. All the attention would be geared towards working for money which locks us down to a life full of obligations and duties. In turn this might prove to be less quality time for the family as well.
When our finances stay on the plus side however, it empowers us by creating options ready to fill the physical and mental deficiencies in our everyday life inclusive of those of our family members. Some simple examples are like enrolling into programs to keep ourselves entertained, to subcribe on some interesting hobbies or simply the ability to take up a more active lifestyle. Choices would become available to help us unwind; for example just by being able to do some enjoyable activities or join programs like cooking or sports lessons, planning a short trip, paying for movies or buying good meals instead. Without money, all bad things that happen in life may just get so much more deeply worsened; in the event of being the less fortunate or without having enough support from family and friends, it may even cause havoc or damage to health.
Subsequently, with sufficient financial capacity, it becomes so much easier for us to move on and get on with life focusing on the betterment of things; this is especially useful when times are tough or when things fall apart. On the contrary, nothing can happen despite all the years of planning and hoping for things to turn positive or improve. Living down to the pennies for example could create severe dependencies and restraints on our ability to simply transition life towards the better; some examples are switching career paths, moving to a different place to stay, opting for further studies or wanting to build a home or even get married to raise a family. All these could not be accomplished without sufficient funds. Again, these may be the most important things in life after all that we may demand later in life.
Managing our finances is critical in order to build a financial safety net to cater for situations of emergency. When a lot can go wrong beyond our knowledge and predictions, having an excess may even help save lives. Imagine what we can do when a considerable amount of money is required for surgery or medical treatments either for yourself or a family member; to live without sufficient funds would mean that we are compromising our basic needs and putting our family at potentially much higher risks.
It is good to start early in building up financial resources. Opt for a more balanced lifestyle. Financial success is not so much about attaining quantitative aspects in finances but rather it is a qualitative aspect that ensures total well-being for the self, family and one's close communities. Consequently, do remember each time if there is just too much to think about while you spend, then something is not right. It may be time to re-evaluate your finances. Most importantly, do not give up even if you are broke or left with a single cent in your pocket.
Copyright (c) 2012 Karen Chai Kar Siang
by: Karen Chai Kar Siang
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