4 tips to plan for a ‘Budget Surplus‘

4 tips to plan for a ‘Budget Surplus‘ are noted in this book Increase your financial IQ - robert:

Budget tip #1 – Change your thinking and make spending for a budget surplus a priority by making it an expense to pay yourself first. The first expense each pay check should be to yourself for your financial freedom then start paying your other expenses. Don’t make it negotiable. If you want something extra then find a way to earn more.

Budget tip #2 – Know your cash flow and what you’re spending on or expenses are to get control of them. If your know your expenses your can see if your plan is working to create a ‘Budget Surplus‘ or ‘Budget Deficit‘. So work the plan in your favor to create the surplus.

Budget tip #3 – Assets should pay for liabilities, use your earned money to create assets (positive cash flow) these then pay for your expenses or liabilities. Make your money work for you by using it to expand your income potential then this money can pay for your new car or your flat screen TV.

Budget tip #4 – Know how and when to spend to become rich or when to cut back. Spending to increase your income or money growth is key, knowing that your knowledge and skills are important assets but also
learning to do more with less. Be smarter with your money to have more is not about cutting back but about challenging yourself to find a way to afford what you need.

Note:-Budgeting your money is a portion of what’s needed for a complete money management system. The important aspect to take away is make paying yourself first non-negotiable, the ability to control spending habits and to create assets to then pay for expenses.

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CHOOSE YOUR THOUGHTS

Successful people are those who think more effectively than unsuccessful people. They approach their lives, relationships, goals, problems, and experiences differently from others. They sow better seeds, and as a result they reap better lives. If you learn to think and act like other successful, happy, healthy, and prosperous people, you will soon enjoy the kind of lives they do. When you change your thinking, you change your life. Nature understands no jesting. She is always true, always serious, always severe. She is always right, and the errors and faults are always those of man. The man incapable of appreciating her she despises, and only to the apt, the pure, and the true does she resign herself and reveal her secrets. —Johann Wolfgang von Goethe

THE ONLY REAL MEASURE

Bertrand Russell, the English philosopher, once said, “The very best proof that something can be done is that others have already done it.” In the New Testament, Jesus taught the way to measure the truth of any principle: “By their fruits, ye shall know them.” In other words, the only question you need to ask about any idea is, “Does it work?” Does it bring about the results that you desire? Milton Friedman, the Nobel prizewinning economist, said, “The only true measure of a theory or idea is your ability to make accurate predictions of the future based on it.” The good news is that the ideas and principles you are about to learn have been tested and proven in the lives and experiences of millions of people. In themselves, like any principles of nature, they are neutral. Nature plays no favorites. Nature treats everyone alike. Whatever seed you plant in the ground, nature will grow.Whatever thought seeds you plant in your mind, nature will grow as well. It is entirely up to you

YOU ARE A LIVING MAGNET

The Law of Attraction says that you are a “living magnet” and that you invariably attract into your life the people, ideas, opportunities, and circumstances in harmony with your dominant thoughts. When you think positive, optimistic, loving, and successful thoughts, you create a force field of magnetism that attracts, like iron filings to a magnet, the very things you are thinking about. This law explains why it is that you don’t have to be concerned where your good is going to come from. If you can keep your mind clearly focused on what you want, and refrain from thinking about what you don’t want, you will attract everything you need to achieve your goals, exactly when you are ready. Change your thinking and you change your life.

QUESTION YOUR BELIEFS

The Law of Belief says: Whatever you believe, with conviction, becomes your reality.You always act in a manner consistent with your deepest and most intensely held beliefs, whether they are true or not. And all your beliefs are learned. At one time, you did not have them. Your beliefs largely determine your reality.You do not believe what you see; you rather see what you already believe. You can have life-enhancing beliefs that make you happy and optimistic, or you can have negative beliefs about yourself and your potential that act as roadblocks to the realization of everything that is truly possible for you. The most harmful beliefs you can have are your self-limiting beliefs. These are beliefs about yourself and your potential that hold you back. Most of them are not true. Most of them are the result of information you have accepted without question, often from early childhood. Even if it is completely untrue, if you believe yourself to be limited in areas such as achieving wonderful health and happiness and earning a lot of money, that will become your truth. As the author Richard Bach in his book Illusions wrote, “Argue for your limitations and sure enough, they’re yours.”

ATTITUDES, ACTIONS, AND EMOTIONS

Your attitudes, positive or negative, constructive or destructive, lead to corresponding images, emotions, and actions that affect your life and relationships. Your attitudes, in turn, are based on your previous experiences and your basic premises about how things are supposed to be. Your actions trigger the emotions and attitudes that go with them. By the Law of Reversibility, you can actually act your way into feeling in a manner consistent with the action. By acting as if you were already happy, positive, and confident, you soon begin to feel that way on the inside. And your actions are under your direct control, whereas your emotions are not. In and of themselves, the outer aspects of your life are neutral. It is only the meaning that you give to them that determines your attitudes, opinions, emotions, and reactions to them. If you change your thinking about any part of your life, you will change how you feel and behave in that area. And since only you can decide what to think, you have the ability to take complete control over your life

THOUGHTS, FEELINGS, AND DESIRES

You are a complex bundle of thoughts, feelings, attitudes, desires, images, fears, hopes, doubts, opinions, and ambitions, each of them constantly changing, sometimes from second to second. Each of these elements of your personality affects the others, sometimes in unpredictable ways.Your entire life is the result of the intertwining and interconnecting of these factors. Your thoughts trigger images and pictures, and the emotions that go with them. These images and emotions trigger attitudes and actions.Your actions then have consequences and results that determine what happens to you. If you think about success and confidence, you will feel strong and competent, and you will perform better at whatever you attempt. If you think about making mistakes or being embarrassed, you will perform poorly, no matter how good you really are. Pictures and images, from your imagination or from the external influences, produce ideas, emotions, and attitudes that correspond to them. They then trigger actions that bring about certain results and outcomes.The thought of a person or situation can cause you to instantly feel happy or sad, elated or angry, loving or lonely to be continue.....

THOUGHTS ARE THINGS

Your mind is extraordinarily powerful. Your thoughts control and determine almost everything that happens to you. They can raise or lower your heart rate, improve or interfere with your digestion, change the chemical composition of your blood, and help you to sleep or keep you awake at night. Your thoughts can make you happy or sad, sometimes in an instant. They can make you alert and aware, or distracted and dexiv INTRODUCTION ➤ pressed. They can make you popular or unpopular, confident or insecure, positive or negative. Your thoughts can make you feel powerful or powerless, a victim or a victor, a hero or a coward. In your material life, your thoughts can make you a success or a failure, prosperous or poverty-stricken, respected or ignored. Your thoughts, and the actions that they trigger, determine your whole life. And the best news of all is that they are completely under your own control.

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Rich Dad Poor Dad The book is the story of a person (the narrator and author) who has two fathers: the first was his biological father – the poor dad - and the other was the father of his childhood best friend, Mike – the rich dad. Both fathers taught the author how to achieve success but with very disparate approaches. It became evident to the author which father's approach made more financial sense. Throughout the book, the author compares both fathers – their principles, ideas, financial practices, and degree of dynamism and how his real father, the poor and struggling but highly educated man, paled against his rich dad in terms of asset building and business acumen. The author compares his poor dad to those people who are perpetually scampering in the Rat Race, helplessly trapped in a vicious cycle of needing more but never able to satisfy their dreams for wealth because of one glaring lack: financial literacy. They spend so much time in school learning about the problems of the world, but have not acquired any valuable lessons about money, simply because it is never taught in school. His rich dad, by contrast, represents the independently wealthy core of society who deliberately takes advantage of the power of corporations and their personal knowledge of tax and accounting (or that of their financial advisers) which they manipulate to their advantage. The book’s theme reduces to two fundamental concepts: a can-do attitude and fearless entrepreneurship. The author highlights these two concepts by providing multiple examples for each and focusing on the need for financial literacy, how the power of corporations contribute to making the wealthy even wealthier, minding your own business, overcoming obstacles by not fostering laziness, fear, cynicism and other negative attitudes, and recognizing the characteristics of humans and how their preconceived notions and upbringing hamper their financial freedom goals. The author presents six major lessons which he discusses throughout the book: The rich don’t work for money The importance of financial literacy Minding Your own business Taxes and corporations The rich invent money The need to work to learn and not to work for money

Rich Dad's Guide to Investing: What the Rich Invest in, That the Poor and the Middle Class Do Not! (2000) Rich Dad's Guide to Investing gives the reader a roadmap to becoming the Ultimate Investor, one who uses other peoples' money to create investments that people want to buy into. While the first two books use broad strokes, this one goes into much more detail about actually implementing some of the strategies heretofore discussed.

Cashflow Quadrant: Rich Dad's Guide to Financial Freedom Cashflow Quadrant is a personal finance and investing book written with Sharon Lechter, C.P.A. as the sequel to Rich Dad, Poor Dad. In it, Kiyosaki discusses what he calls the cashflow quadrant: a grid consisting of the letters "E", "S", "B", and "I." The cashflow quadrant itself is just an illustrative tool to show the difference between Employees, Self Employed/Small Business owners, Business owners (not directly involved in the day-to-day operation of the company), and Investors. Kiyosaki discusses the differences between concepts and ideas characteristic of each quadrant, particularly as they relate to passive income and tax advantages.

Rich Kid, Smart Kid Rich Kid, Smart Kid is a retelling of Kiyosaki's views, condensed and clarified to try and help parents better understand and teach their children key financial concepts. It includes a series of activities that a parent can do with their child to make them aware of property, finance and the various ways and places businesses make money.

Why We Want You To Be Rich (2007, with Donald Trump) Why We Want You To Be Rich is a book co-authored by Robert Kiyosaki and Donald Trump. It encourages individuals to become financially literate to combat the upcoming problems facing America, such as the shrinking middle class and the entitlement mentality.

GET REAL!!!!!!!!!!!!!!!!!

Even though you deeply desire to live a wonderfully healthy, happy, prosperous life, when you read those words, your doubts and fears arose immediately to remind you of reasons why these dreams and goals may not be possible for you.Well, join the crowd! This is exactly how I felt many years ago. Even though I wanted to be a big success in life, I was unskilled, uneducated, and unemployed. I had no idea what I could do to improve my situation. I felt trapped between big ideas on the one hand and limited resources and opportunities on the other. Then I discovered a series of remarkable principles that have been responsible for all the great successes and achievements of the ages, and my life changed forever. After proving these laws and principles in my own life, I began speaking, and training others to apply the same ideas. Since then,I have given more than thousand talks Most of them were also skeptical when they first heard these ideas of optimism and possibility, until they learned what you are going to learn in the post ahead. It changed their lives, as it will change yours. To be continue......

THE TRUTH ABOUT YOU

You are a thoroughly good person.You deserve a wonderful life, full of success, happiness, joy, and excitement.You are entitled to have happy relationships, excellent health, meaningful work, and financial independence. These are your birthright. This is what your life is meant to include. You are engineered for success and designed to have high levels of self-esteem, self-respect, and personal pride. You are extraordinary; there has never been anyone exactly like you in all the history of mankind on earth.You have absolutely amazing untapped talents and abilities that, when properly unleashed and applied, can bring you everything you could ever want in life. You are living at the greatest time in all of human history.You are surrounded by abundant opportunities that you can take advantage of to realize your dreams. The only real limits on what you can be, do, or have are the limits you place on yourself by your own thinking.Your future is virtually unlimited. To be continue......

KANUNI KUU "THE GREAT PRINCIPLE"

Labda muhimu zaidi akili na kiroho kanuni milele iliyogunduka ni kwamba unakuwa jinsi unavyojifikiri juu yako zaidi muda mwingi. unavyojifikiria ndani ya fikra zako ndivyo ilivyo kwa nje inavyokuwa. Vitu vinavyokutokea nje ya yako ni mwonekano ya kile kinachoendelea katika ndani ya fikra zako. Unaweza kuwaambia hali ya ndani ya mtu kwa kuangalia nje ya hali ya maisha yake. Na haiwezi kuwa vinginevyo "Perhaps the most important mental and spiritual principle ever discovered is that you become what you think about most of the time. Your outer world is very much a mirror image of your inner world. What is going on outside of you is a reflection of what is going in inside of you. You can tell the inner condition of a person by looking at the outer conditions of his or her life. And it cannot be otherwise."

MATOKEO YA MWISHO KATIKA BIASHARA YAKO NI MUHIMU ZAIDI

Moja ya changamoto kubwa katika Biashara ni kufikiria sana ambao ni kweli kwenda kujenga biashara mara moja wao kuonyesha nia ya kujiunga na Biashara yako Imani ya kufanikiwa, mmoja lazima 'kabla ya ushahidi ', yaani, unapaswa kuwa na uwezo wa picha ya wenyewe huko na kujisikia hisia ya mafanikio ya muda mrefu kabla ya kweli hutokea. Hii ni nini nimekuwa zilizotajwa katika baadhi ya barua pepe ya awali: "Amini kuona" Unaweza kuwa na "mawazo ya Millionaire" Amini, kutembea na kuongea kama mtu mafanikio kwamba unataka kuwa. Matokeo ya mwisho ni muhimu sana kukumbuka wakati kwenda kwa njia ya kazi ya kila siku katika kufanikisha hilo. Wala kujaribu kufanya kazi na kusimamia watu ambao hawezi kuona matokeo ya mwisho kwamba wao ni kwa ajili ya kufanya kazi. Wala kujaribu kufanya kila mtu kufanikiwa coz wewe kuishia draining muda na nguvu kama vile kama kuchukua kushindwa yao binafsi! Kufundisha Wafanyakazi wako kupiga taswira mwisho matokeo yao na 'msaada' wao lakini muhimu kuzingatia nishati wenu kwa wale ambao tayari kuona yao mwisho matokeo. Njia kuu ya kufanya hivyo ni kufanya wafanyakazi wako kuandika ndoto zao, fupi, ya katikati na ya muda mrefu ndio. Kufanya kazi kwa ndoto hizo na kusaidia downlines yako kufikia ndoto hizo kwa njia ya malengo ya yaliyowekwa na wote wawili utakuwa kuhakikisha mafanikio. 'Lengo' ni tu ndoto na tarehe ya mwisho! Matokeo ya mwisho ni nini kuwalinda kwenda na ndogo kukataa na vikwazo uso kila siku kujisikia kidogo mbele yake. "Wewe tu kuona vikwazo wakati wewe kupoteza mwelekeo wa malengo yako!"