{"id":108145,"date":"2024-07-15T07:03:01","date_gmt":"2024-07-15T11:03:01","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=108145"},"modified":"2025-03-29T12:24:46","modified_gmt":"2025-03-29T16:24:46","slug":"how-to-manage-your-money","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/how-to-manage-your-money\/","title":{"rendered":"How to Manage Your Money (10 simple steps to gain control of your finances)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"108145\" class=\"elementor elementor-108145\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b9b606c elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"b9b606c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b13c898\" data-id=\"b13c898\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37886c8 elementor-widget elementor-widget-text-editor\" data-id=\"37886c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Managing your money doesn\u2019t have to be rocket science, but it is a prerequisite for building your rich life. In this post, I\u2019ll walk you through how to manage your money in 10 simple steps.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Don\u2019t worry about being perfect right now, even if you just start with Step 1 today, you\u2019ll be in a better financial state than having not started at all.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9d9c13c elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"9d9c13c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ed1f918\" data-id=\"ed1f918\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a62b500 elementor-widget elementor-widget-heading\" data-id=\"a62b500\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 1: Start by understanding your current financial situation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3b0cc0 elementor-widget elementor-widget-text-editor\" data-id=\"e3b0cc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Before you can effectively manage your money, you need to know exactly where you stand. This means taking a comprehensive look at your income, expenses, debts, and assets. It&#8217;s like taking a financial snapshot of your life right now.<\/span><\/p><p><span style=\"font-weight: 400;\">Begin by gathering all your financial documents: bank statements, credit card bills, loan information, and investment accounts. Now, let&#8217;s break this down into actionable steps:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Calculate your total monthly income:<\/b><span style=\"font-weight: 400;\"> This includes your salary and any side hustles or freelance work.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>List out ALL your monthly expenses<\/b><span style=\"font-weight: 400;\">: Be thorough. Include everything from rent and utilities to your daily coffee run. Don&#8217;t forget about one-time (but important) expenses like annual subscriptions or quarterly insurance payments.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tally up your debts<\/b><span style=\"font-weight: 400;\">: Make a list of all your debts, including credit cards, student loans, car loans, and mortgages. Note the balance, interest rate, and minimum payment for each.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Take a look at your assets:<\/b><span style=\"font-weight: 400;\"> This includes savings accounts, retirement funds, property, and valuable possessions.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Determine your net worth: Subtract your total debts from your total assets. This gives you a clear picture of your overall financial health.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Once you all this information, determine your net worth with this formula: <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94f3f6a elementor-widget elementor-widget-text-editor\" data-id=\"94f3f6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><i><span style=\"font-weight: 400;\">Net worth = Total Assets &#8211; Total Debts<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe68a3d elementor-widget elementor-widget-text-editor\" data-id=\"fe68a3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Next, identify patterns in patterns in your spending and identify areas for improvement, for example:\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are you spending more than you earn?\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are high-interest debts eating away at your income?\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you have an emergency fund tucked away for a rainy day?<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Knowing the above empowers you to make informed decisions and set realistic financial goals.<\/span><\/p><p><span style=\"font-weight: 400;\">Remember, this is your starting point. Don&#8217;t judge yourself harshly if the numbers aren&#8217;t what you hoped for. The fact that you&#8217;re taking this step puts you ahead of many people. You&#8217;re laying the foundation for a better financial future, and that&#8217;s something to be proud of.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4205614 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"4205614\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-457986e\" data-id=\"457986e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76c7cce elementor-widget elementor-widget-heading\" data-id=\"76c7cce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 2: Reconsider your beliefs about money<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1cb752 elementor-widget elementor-widget-text-editor\" data-id=\"a1cb752\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We may not realize it, but our lives are often controlled by <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-invisible-scripts-that-guide-our-lives\/\"><span style=\"font-weight: 400;\">invisible scripts<\/span><\/a><span style=\"font-weight: 400;\"> &#8211; narratives we tell ourselves that influence the way we approach life\u2019s opportunities and challenges.<\/span><\/p><p><span style=\"font-weight: 400;\">For example, an \u201cinvisible script\u201d that has long dominated society (but is now being questioned) is that you have to get a college degree to be successful.<\/span><\/p><p><span style=\"font-weight: 400;\">Most people also have invisible scripts about money ingrained in them, like \u201cinvesting is only for the top 1%\u201d. Such false narratives limit what you can achieve with your money and prevent you from living a <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-live-a-rich-life\/\"><span style=\"font-weight: 400;\">Rich Life.\u00a0<\/span><\/a><\/p><p><span style=\"font-weight: 400;\">Other invisible scripts about money that might be holding you back are:\u00a0<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>&#8220;I&#8217;m not good with money&#8221;<\/b><span style=\"font-weight: 400;\">: This self-limiting belief can prevent you from taking control of your finances. Everyone can learn to manage money effectively. It&#8217;s a skill, not an innate talent.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>&#8220;Budgeting means depriving myself&#8221;:<\/b><span style=\"font-weight: 400;\"> Think of budgeting as a spending plan that aligns with your values and goals, not a restrictive diet for your wallet.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>&#8220;I need to make more money to save&#8221;<\/b><span style=\"font-weight: 400;\">: While earning more helps, saving is about habits, not just income. Start with what you have, even if it&#8217;s small.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Challenge yourself to identify your own money beliefs. Where did they come from? Are they serving you well? If not, how can you reframe them?<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ae76d0 elementor-widget elementor-widget-text-editor\" data-id=\"0ae76d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Instead of tying myself to rigid money beliefs, I set up Money Rules for my life which keep me grounded with how I manage my money while living my Rich Life. My 10 Money Rules are flexible and have helped me build life changing wealth, check it out:\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d449cb elementor-widget elementor-widget-video\" data-id=\"6d449cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=m4ZT1EEU0Nw&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bff4d9e elementor-widget elementor-widget-shortcode\" data-id=\"bff4d9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<section data-elementor-type=\"section\" data-elementor-id=\"106516\" class=\"elementor elementor-106516\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51156e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"51156e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e992b0\" data-id=\"4e992b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b51f67 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1b51f67\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa237b9\" data-id=\"fa237b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b341c44 elementor-widget elementor-widget-heading\" data-id=\"b341c44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-large\">If you like this post, you'd love my Ultimate Guide to Making Money<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccbe91b elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"ccbe91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"193\" height=\"300\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Making-Money-ts-193x300.png\" class=\"attachment-medium size-medium wp-image-106712\" alt=\"UG to Making Money\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Making-Money-ts-193x300.png 193w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Making-Money-ts.png 610w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5130b32 elementor-widget elementor-widget-text-editor\" data-id=\"5130b32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s one of the best things I&#8217;ve published (and 100% free), just tell me where to send it:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85bbeee elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"85bbeee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-96404\"><form 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value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/108145\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/how-to-manage-your-money\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-96404\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fd482ad elementor-hidden-mobile\" data-id=\"fd482ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb86639 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"cb86639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"610\" height=\"950\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Making-Money-ts.png\" class=\"attachment-medium_large size-medium_large wp-image-106712\" alt=\"UG to Making Money\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Making-Money-ts.png 610w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Making-Money-ts-193x300.png 193w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2064820 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"2064820\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1665876\" data-id=\"1665876\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62f846a elementor-widget elementor-widget-heading\" data-id=\"62f846a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 3: Instead of budgeting, start \u201cConscious Spending\u201d. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3de5729 elementor-widget elementor-widget-text-editor\" data-id=\"3de5729\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Traditional budgeting often feels restrictive and rigid. That&#8217;s why I advocate for a more flexible approach: conscious spending. Here\u2019s how you can start:\u00a0<\/span><\/p><ol><li><b>Identify your values<\/b><span style=\"font-weight: 400;\">: What truly matters to you? Is it travel, education, family, or personal growth? Understanding your priorities is crucial for making intentional spending decisions.<\/span><\/li><li><b>Categorize your expenses:<\/b><ul><li><span style=\"font-weight: 400;\">Fixed costs: Essentials like rent, utilities, and insurance.<\/span><\/li><li><span style=\"font-weight: 400;\">Savings: Including retirement and emergency funds.<\/span><\/li><li><span style=\"font-weight: 400;\">Investments: For long-term wealth building.<\/span><\/li><li><span style=\"font-weight: 400;\">Guilt-free spending: Money you can spend on anything you want.<\/span><\/li><\/ul><\/li><li><b>Allocate percentages:<\/b><span style=\"font-weight: 400;\"> Instead of rigid dollar amounts, assign percentages of your income to each category. A common breakdown might be:<\/span><ul><li><span style=\"font-weight: 400;\">50-60% for fixed costs<\/span><\/li><li><span style=\"font-weight: 400;\">10-20% for savings<\/span><\/li><li><span style=\"font-weight: 400;\">5-10% for investments<\/span><\/li><li><span style=\"font-weight: 400;\">20-35% for guilt-free spending<\/span><\/li><\/ul><\/li><li><b>Automate the essentials<\/b><span style=\"font-weight: 400;\">: Set up automatic transfers for your fixed costs, savings, and investments. This ensures you&#8217;re meeting your financial obligations and goals before spending on wants.<\/span><\/li><li><b>Spend freely on what you love<\/b><span style=\"font-weight: 400;\">: With your essentials covered, you can spend your guilt-free money without worry. Want that fancy coffee or weekend getaway? Go for it!<\/span><\/li><li><b>Cut mercilessly on things you don&#8217;t care about:<\/b><span style=\"font-weight: 400;\"> Identify areas where you&#8217;re spending money that don&#8217;t align with your values. Redirect this money to areas that matter more to you.<\/span><\/li><li><b>Regularly reassess<\/b><span style=\"font-weight: 400;\">: As your life changes, so will your priorities. Review your conscious spending plan periodically to ensure it still aligns with your goals.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">The beauty of conscious spending is that it focuses on optimization rather than deprivation. You&#8217;re not saying &#8220;no&#8221; to everything; you&#8217;re saying &#8220;yes&#8221; to what truly matters to you.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">This is just an overview of conscious spending, and if you\u2019d like to dive deeper into this &#8211; I wrote a full guide on <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/conscious-spending-basics\/\"><span style=\"font-weight: 400;\">how to build a Conscious Spending Plan here<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51535ef elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"51535ef\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff61af7\" data-id=\"ff61af7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abb1100 elementor-widget elementor-widget-heading\" data-id=\"abb1100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 4: Automate your finances where you can<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f12e174 elementor-widget elementor-widget-text-editor\" data-id=\"f12e174\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Smart money management doesn\u2019t mean you should be checking your accounts all the time. You should be automating your finances so they work on autopilot.\u00a0<\/span><\/p><p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-psychology-of-automation-building-a-bulletproof-personal-finance-system\/\"><span style=\"font-weight: 400;\">Automating your finances<\/span><\/a><span style=\"font-weight: 400;\"> ensures you&#8217;re consistently making progress towards your financial goals, even when life gets busy or if your motivation drops.<\/span><\/p><p><span style=\"font-weight: 400;\">Here&#8217;s how to set up an automated financial system:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct deposit: If you haven&#8217;t already, set up a direct deposit for your paycheck. This ensures your money hits your account quickly and regularly.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic savings transfers: Schedule transfers to your savings account(s) right after payday. This way, you&#8217;re paying yourself first before you have a chance to spend the money elsewhere.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retirement contributions: Set up automatic contributions to your 401(k) or IRA. If your employer offers a match, make sure you&#8217;re contributing enough to take full advantage of it.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bill payments: Use your bank&#8217;s online bill pay system or set up automatic payments for recurring bills like rent, utilities, and subscriptions. This helps avoid late payment fees.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt repayments: Schedule automatic payments for loans and credit cards. Always pay at least the minimum, but consider setting up higher payments if you&#8217;re focusing on debt reduction.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investment contributions: If you&#8217;re investing outside of retirement accounts, set up automatic transfers to your investment account.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit card payments: Set up automatic payments for the full balance of your credit card each month to avoid interest charges.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rebalancing investments: Many investment platforms offer automatic rebalancing to keep your portfolio aligned with your target asset allocation.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">All of this may sound like a lot, and I hear you. I suggest you take the weekend to do the heavy lifting of setting up all your automations at once and you can pretty much rest easy after that.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">If you\u2019d like somewhere easy to start, check out my video on setting up a Paycheck Routine:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6cd330 elementor-widget elementor-widget-video\" data-id=\"f6cd330\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=LhrGOKmqam8&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebf12f9 elementor-widget elementor-widget-shortcode\" data-id=\"ebf12f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<section data-elementor-type=\"section\" data-elementor-id=\"106510\" class=\"elementor elementor-106510\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51156e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"51156e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e992b0\" data-id=\"4e992b0\" 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data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-large\">If you like this post, you'd love my Ultimate Guide to Personal Finance<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccbe91b elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"ccbe91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"193\" height=\"300\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts-193x300.png\" class=\"attachment-medium size-medium wp-image-106717\" alt=\"UG to Personal Finance\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts-193x300.png 193w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts.png 610w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5130b32 elementor-widget elementor-widget-text-editor\" data-id=\"5130b32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s one of the best things I&#8217;ve published (and 100% free), just tell me where to send it:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85bbeee elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"85bbeee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div 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class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53563-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53563-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/108145\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/how-to-manage-your-money\/\"><button type=\"submit\" name=\"wpforms[submit]\" 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height=\"950\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts.png\" class=\"attachment-medium_large size-medium_large wp-image-106717\" alt=\"UG to Personal Finance\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts.png 610w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts-193x300.png 193w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-22dccdd elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"22dccdd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ba28694\" data-id=\"ba28694\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c86942a elementor-widget elementor-widget-heading\" data-id=\"c86942a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 5: Cut out on things you don\u2019t need<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c241d56 elementor-widget elementor-widget-text-editor\" data-id=\"c241d56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/conscious-spending-basics\/\"><span style=\"font-weight: 400;\">\u201cConscious Spending\u201d<\/span><\/a><span style=\"font-weight: 400;\"> isn\u2019t about encouraging overspending. Rather, it\u2019s about focusing your spending on those things that truly matter in your life, and aggressively cutting on the things that don\u2019t.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">To start, I suggest that you conduct a spending audit and identify low-value spending. Which expenses don&#8217;t align with your values or bring you joy? These are prime candidates for elimination.<\/span><\/p><p><span style=\"font-weight: 400;\">For example, let\u2019s say you have subscriptions to Netflix, Hulu, and Amazon Prime. Do you actually use all three? Or maybe you tend to spend a lot on groceries? But you then aren\u2019t motivated to cook and end up letting your produce spoil. What about getting easy-to-make meal prep kits delivered instead?<\/span><\/p><p><span style=\"font-weight: 400;\">An unconventional method is to reduce necessary costs <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/tip-5-optimize-your-cellphone-bill\/\"><span style=\"font-weight: 400;\">like your cell phone bill.<\/span><\/a><span style=\"font-weight: 400;\"> Do you really need all that data if you\u2019re always on Wi-Fi? This applies for every other expense that you might be paying &#8211; from cable bills to credit card interest rates, it never hurts to ask for a better deal.<\/span><\/p><p><span style=\"font-weight: 400;\">As you free up money by cutting unnecessary expenses, you have more to allocate towards your priorities \u2013 whether that&#8217;s paying off debt, saving for a big goal, or investing for the future.<\/span><\/p><p><span style=\"font-weight: 400;\">In the next section, we&#8217;ll explore ways to increase your income, giving you even more resources to work with in your financial plan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8649e85 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"8649e85\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-488ea74\" data-id=\"488ea74\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-070ef59 elementor-widget elementor-widget-heading\" data-id=\"070ef59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 6: Figure out ways to earn more<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f440357 elementor-widget elementor-widget-text-editor\" data-id=\"f440357\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">While cutting expenses is crucial, increasing your income can dramatically accelerate your progress towards financial goals. Here are several strategies to boost your earnings:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negotiate a raise: If you&#8217;re excelling in your current job, make a case for a salary increase. Prepare by documenting your achievements and researching market rates for your position.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Switch jobs: Sometimes, the best way to increase your income is to find a new employer. Keep your skills sharp and your network active.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pursue a side hustle: Leverage your skills or interests to create additional income streams. This could be freelancing, consulting, or starting a small business.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Depending on your situation, I got you covered, check out:\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-ultimate-guide-to-getting-a-raise\/\"><span style=\"font-weight: 400;\">Ultimate Guide to Getting a Raise &amp; Boosting Your Salary<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-change-careers\/\"><span style=\"font-weight: 400;\">How to Make a Career Change<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/make-money-on-the-side\/\"><span style=\"font-weight: 400;\">20+ Ways to Make Money on The Side<\/span><\/a><\/li><\/ul><p><span style=\"font-weight: 400;\">Remember, the goal isn&#8217;t necessarily to work around the clock. Instead, focus on high-value activities that provide the best return on your time and effort. Also, consider the tax implications of additional income and set aside money for taxes if needed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6782226 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"6782226\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bfcabf8\" data-id=\"bfcabf8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99fa8c8 elementor-widget elementor-widget-heading\" data-id=\"99fa8c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 7: Invest your money (if you aren\u2019t already)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-294d1c1 elementor-widget elementor-widget-text-editor\" data-id=\"294d1c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Investing is one of the most powerful ways to build long-term wealth and achieve financial freedom. While you might not see great gains in the short term, this is a great way to prepare for retirement, and to keep up with external factors like inflation: Here\u2019s a breakdown on <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/investing-for-beginners\/\"><span style=\"font-weight: 400;\">how to start investing<\/span><\/a><span style=\"font-weight: 400;\">:\u00a0<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Start early: Time is your greatest ally in investing. Thanks to compound interest, even small amounts invested now can grow significantly over time.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand your risk tolerance: Your investment strategy should align with your financial goals and comfort level with risk. Generally, younger investors can afford to take on more risk for potentially higher returns.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diversify your portfolio: Don&#8217;t put all your eggs in one basket. Spread your investments across different asset classes (stocks, bonds, real estate) and sectors to manage risk.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consider low-cost index funds: These funds provide broad market exposure and typically have lower fees than actively managed funds. They&#8217;re an excellent option for many investors, especially beginners.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take advantage of tax-advantaged accounts: Maximize contributions to accounts like 401(k)s and IRAs. These can provide significant tax benefits and often come with employer matches.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automate your investments: Set up regular, automatic transfers to your investment accounts. This strategy, known as dollar-cost averaging, can help smooth out market volatility over time.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Remember, investing involves risk, and it&#8217;s normal for markets to go up and down. For most people, including myself, a simple, consistent approach using low-cost, diversified investments is an excellent path to building wealth.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-742db63 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"742db63\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3efbefa\" data-id=\"3efbefa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b6fd8a elementor-widget elementor-widget-heading\" data-id=\"1b6fd8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 8: Read more about personal finance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8cf5d1 elementor-widget elementor-widget-text-editor\" data-id=\"a8cf5d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you\u2019re new to personal finance, one of the most important steps you\u2019ll take is educating yourself about the topic. Personal finance evolves very quickly, so staying informed can help you adapt your strategies and take advantage of new opportunities quickly.<\/span><\/p><p><span style=\"font-weight: 400;\">If you\u2019re just starting out:\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Start with the basics: If you&#8217;re new to personal finance, begin with foundational books that cover budgeting, saving, and investing principles. Look for titles by respected authors in the field.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diversify your sources: Don&#8217;t rely on just one perspective. Read a mix of books, blogs, podcasts, and reputable financial websites to get a well-rounded view.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Follow financial experts: Subscribe to newsletters or social media accounts of trusted financial advisors and educators. They often share valuable insights and timely advice.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The best way to learn about personal finance is to read books. In fact, I read 50 books about money, and here are the five I recommend so you can save time getting up to speed with the best personal finance knowledge out there: <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c31036 elementor-widget elementor-widget-video\" data-id=\"1c31036\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=GuQTSnf1EaM&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abae3ba elementor-widget elementor-widget-shortcode\" data-id=\"abae3ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<section data-elementor-type=\"section\" data-elementor-id=\"106547\" class=\"elementor elementor-106547\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51156e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"51156e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e992b0\" data-id=\"4e992b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b51f67 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1b51f67\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa237b9\" data-id=\"fa237b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b341c44 elementor-widget elementor-widget-heading\" data-id=\"b341c44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-large\">If you like this post, you'd love my Ultimate Guide to Getting a Raise<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccbe91b elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"ccbe91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"193\" height=\"300\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Getting-a-Raise-ts-193x300.png\" class=\"attachment-medium size-medium wp-image-106663\" alt=\"UG to Getting a Raise\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Getting-a-Raise-ts-193x300.png 193w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Getting-a-Raise-ts.png 610w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5130b32 elementor-widget elementor-widget-text-editor\" data-id=\"5130b32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s one of the best things I&#8217;ve published (and 100% free), just tell me where to send it:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85bbeee elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"85bbeee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div 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placeholder=\"First Name\" required><\/div><div id=\"wpforms-53566-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53566-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53566-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53566-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53566-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53566\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/108145\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/how-to-manage-your-money\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53566\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fd482ad elementor-hidden-mobile\" data-id=\"fd482ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb86639 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"cb86639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"950\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Getting-a-Raise-ts.png\" class=\"attachment-medium_large size-medium_large wp-image-106663\" alt=\"UG to Getting a Raise\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Getting-a-Raise-ts.png 610w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Getting-a-Raise-ts-193x300.png 193w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1cf341e elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1cf341e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a2bfa7\" data-id=\"3a2bfa7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9253d36 elementor-widget elementor-widget-heading\" data-id=\"9253d36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 9: Revisit your financial situation regularly<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48b5bbc elementor-widget elementor-widget-text-editor\" data-id=\"48b5bbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Your financial journey isn&#8217;t a one-time event; it&#8217;s an ongoing process that requires regular attention and adjustment. Life changes, economic conditions shift, and your goals may evolve over time.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">It\u2019s crucial to periodically review and update your financial plan. Here&#8217;s how to make this a productive and effective practice:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Schedule regular check-ins: Set aside time quarterly or at least semi-annually to review your finances. Mark these dates in your calendar to ensure you don&#8217;t forget. Remember to evaluate your spending patterns!\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review your goals: Are your financial goals still relevant? Have you achieved any? Do you need to set new ones? Ensure your financial plan aligns with your current aspirations.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assess your net worth: Calculate your assets minus liabilities. This gives you a clear picture of your overall financial health and how it&#8217;s changing over time.<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Based on your review, make the necessary adjustment to your <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/conscious-spending-basics\/\"><span style=\"font-weight: 400;\">Conscious Spending Plan.<\/span><\/a><span style=\"font-weight: 400;\"> Remember, these reviews aren&#8217;t about beating yourself up over missteps. They&#8217;re opportunities to learn, adjust, and improve.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b0dae15 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"b0dae15\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e4a722c\" data-id=\"e4a722c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ee5d8f elementor-widget elementor-widget-heading\" data-id=\"2ee5d8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step 10: Start NOW<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f04eca7 elementor-widget elementor-widget-text-editor\" data-id=\"f04eca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The most critical step in managing your money is simply to begin. The power of getting started cannot be overstated, and here&#8217;s why:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Time is your greatest asset: The earlier you start, the more time your money has to grow. Thanks to compound interest, even small amounts invested now can grow significantly over time.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Habits take time to form: Good financial habits don&#8217;t develop overnight. The sooner you start practicing, the quicker these habits will become second nature.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Building financial resilience: The sooner you start saving and investing, the better prepared you&#8217;ll be for unexpected financial challenges.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility for the future: Starting now gives you more options later in life, whether it&#8217;s early retirement, career changes, or pursuing passion projects.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">If you need help starting now, here are a few resources you can consider:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/money-coaching\/?sales_channel=cf3119\"><span style=\"font-weight: 400;\">Sign up for my Money Coaching course<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.youtube.com\/watch?v=Dd_GtuRjdsg\"><span style=\"font-weight: 400;\">Watch one of my latest videos on fixing your finances<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/podcast\/\"><span style=\"font-weight: 400;\">Listen to my podcast where I help real people with their money problems (200K+ downloads) <\/span><\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-001a2d1 elementor-widget elementor-widget-shortcode\" data-id=\"001a2d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<section data-elementor-type=\"section\" data-elementor-id=\"106530\" class=\"elementor elementor-106530\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51156e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"51156e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e992b0\" data-id=\"4e992b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b51f67 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1b51f67\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa237b9\" data-id=\"fa237b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b341c44 elementor-widget elementor-widget-heading\" data-id=\"b341c44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-large\">If you like this post, you'd love my Ultimate Guide to Habits<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccbe91b elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"ccbe91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"193\" height=\"300\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts-193x300.png\" class=\"attachment-medium size-medium wp-image-106706\" alt=\"UG to Habits Book Cover\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts-193x300.png 193w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts.png 610w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5130b32 elementor-widget elementor-widget-text-editor\" data-id=\"5130b32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s one of the best things I&#8217;ve published (and 100% free), just tell me where to send it:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85bbeee elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"85bbeee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53565\"><form id=\"wpforms-form-53565\" class=\"wpforms-validate wpforms-form\" data-formid=\"53565\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/108145\" data-token=\"66e6af08d87f69840240b16cedd73b28\" data-token-time=\"1779991294\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-53565-field_18-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"18\"><input type=\"hidden\" id=\"wpforms-53565-field_18\" name=\"wpforms[fields][18]\" value=\"https:\/\/www.iwillteachyoutoberich.com\/c-ultimate-guide-to-habits\/\"><\/div><div id=\"wpforms-53565-field_1-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"1\"><input type=\"hidden\" id=\"wpforms-53565-field_1\" name=\"wpforms[fields][1]\" value=\"34.92.157.226\"><\/div><div id=\"wpforms-53565-field_2-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"2\"><input type=\"hidden\" id=\"wpforms-53565-field_2\" name=\"wpforms[fields][2]\"><\/div><div id=\"wpforms-53565-field_3-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" 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name=\"wpforms[fields][7]\"><\/div><div id=\"wpforms-53565-field_12-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"12\"><input type=\"hidden\" id=\"wpforms-53565-field_12\" name=\"wpforms[fields][12]\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/108145\"><\/div><div id=\"wpforms-53565-field_13-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"13\"><input type=\"hidden\" id=\"wpforms-53565-field_13\" name=\"wpforms[fields][13]\" value=\"53565\"><\/div><div id=\"wpforms-53565-field_15-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"15\"><input type=\"hidden\" id=\"wpforms-53565-field_15\" name=\"wpforms[fields][15]\" value=\" \/ UG to Habits\"><\/div><div id=\"wpforms-53565-field_14-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"14\"><input type=\"hidden\" id=\"wpforms-53565-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53565-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53565-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Habits<\/strong><\/div><\/div><div id=\"wpforms-53565-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53565-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53565-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53565-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53565-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53565-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53565-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53565-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53565-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53565-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53565\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/108145\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/how-to-manage-your-money\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53565\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fd482ad elementor-hidden-mobile\" data-id=\"fd482ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb86639 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"cb86639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"950\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts.png\" class=\"attachment-medium_large size-medium_large wp-image-106706\" alt=\"UG to Habits Book Cover\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts.png 610w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts-193x300.png 193w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Managing your money doesn\u2019t have to be rocket science, but it is a prerequisite for building your rich life. In this post, I\u2019ll walk you through how to manage your money in 10 simple steps. Don\u2019t worry about being perfect right now, even if you just start with Step 1 today, you\u2019ll be in a [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":108177,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-108145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/108145","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=108145"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/108145\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/108177"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=108145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=108145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}