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Financial Freedom 5 Difficult Steps to Get Out of Debt, Create a Simple Budget, Plan for the Future, and Regain Control of Your Finances Money. It rips families apart, ruins marriages, and keeps people from pursuing their dreams. Money troubles inject unnecessary stress, anxiety, and arguments into our daily lives, which keeps us in perpetual discontent. We never seem to have enough, and, living paycheck to paycheck, we cant ever get ahead. But it doesnt have to be this way. Weâ€"Joshua Ryanâ€"know first hand. The road to financial freedom was a long trek for both us. Even though we had prestigious six-figure careers, we struggled with money back then; and we werent financially free for a long time. In fact, it wasnt until we walked away from those careers (after devising a plan, of course) that we discovered how to get out of debt, how to eliminate unnecessary expenses, how to plan for our future, how to master our finances. While we all need to make money to liveâ€"and theres certainly nothing wrong with earning a great salaryâ€"taking control of your financial life involves much more than adjusting your income upward. It involves making repeated good decisions with the resources you have, changing your financial habits, and living deliberately. None of which is inherently easyâ€"especially under the tyranny of todays instant-gratification cultureâ€"but fortunately, regaining control of your finances is simple. A few years ago, overwhelmed by moneys rapacious tug on our lives, the two of us decided to change; we decided to take back control of our finances and our lives. These are the five steps we took, and they are the same principles we use today to ensure that well never again struggle with money. 1. Budget Most of us have no idea where our money is going. We think we know, but we dont really know. This is doubly true for those of us who are married or live with a significant other. Ergo, the first step toward financial freedom is establishing a written monthly budget. Note the three key words here: written, monthly, and budget. A few guidelines: Categories. Identify whats truly necessary by identifying all of your monthly expenses based on the past six months, and then divide your expenses into three categories: Essentials, Nonessentials, and Junk. Write down every expense (food, housing, utilities, insurance, cars, gas, transportation, clothes, credit cards, phones, Internet, pets, entertainment, etc.); triple-check the list with your significant other or a friend; and then use your Essentials, Nonessentials, and Junk categories to prioritize and cut wherever you can. The stricter you are, the sooner youll be free. Boundaries. Using an app like Every Dollar, you can give every dollar a destination at the beginning of the month. By establishing these boundaries, you wont worry about what you can and cant purchase because money that wasnt assigned at the beginning of the month cant be spent mid-month. Teamwork. Everyone in your householdâ€"even your childrenâ€"must have a say in the written budget. This is the only way to get every persons buy-in. Working together means taking from one category to fund another (e.g., extracting money from, say, your clothing budget to fund your entertainment budget) until each person is on the same page. Once everybody  is on boardâ€"once everyone is committed to financial freedomâ€"it is much easier to gain the traction you need. Adjust. Youll have some slip-ups along the way. Thats all right, its part of the process. At first, you and your family should scrutinize your written budget daily, and then eventually weekly, adjusting accordingly until your whole family is comfortable with your set monthly allocations. The first month is the most difficult, but by the third month youll curse yourself for wasting so much money during your budget-less days. Safety. Shit happens, so its best to create a Safety Net savings account with $500â€"$1000 for emergencies. Now listen: do not touch this money unless there is a true emergency (car repairs, medical bills, job loss, etc.). Your Safety Net will allow you to stay on budget even when life punches you in the face. Over time, once youre out of debt (step 3 below), your Safety Net will grow to include several months of income. But for now, worry only about the first $500â€"$1000 to start, which youll want to keep in a separate Safety Net account to avoid temptation (more on that below). 2. Pay Yourself (Invest) Most of us hear the word invest and we panic. Investing seems so complicated, so abstruse, so not-something-I-can-wrap-my-head-around. Well, instead of thinking of it as investing money, think of it as paying your future self. And with todays online tools, you neednt be overwhelmedâ€"investing is easier than ever. Anyone can (and must) do it. As for Joshua Ryan, we both use an online-investment tool called Betterment as our personal savings, planning, and investing software. Using Betterment, which costs nothing to set-up and has no minimum-balance requirements, weve learned how to invest in our future selves by setting aside a percentage of our income without even noticing its gone. We also keep our Safety Nets in our Betterment accounts. We do this for two reasons: 1) the money is liquid, which means we have instant access to our Safety Net if we need it, and 2) when the money is sitting in a separate account, it is less tempting to access than if its in our bank accounts (plus it earns a better interest rate in a safe, conservative way). We invest our money into four separate buckets using Betterments online software: Safety Net, Retirement Fund, House Fund, and Wealth-Building Fund. (For complete details, see our Retirement Planning article, in which we we break down how we, as minimalists, plan for retirement and other financial objectives, using screenshots and real-world examples, including statistics and personal figures.) Right now is the best time to start planning for your future. Whether youre planning for retirement, wanting to start a business, saving for a home, building a larger Safety Net, or focusing on long-term wealth-building, now is the best time to begin. Not next week, not even tomorrow, today. Even if you have no money to invest, you must devise a plan to begin investing in your future self. The best way to do this is to automate your investments using an online service like Betterment, which takes the guesswork out of investing. The future wont wait. Do it today. Even if that means 1% of your income, or even $20 a month, to start. Your future self will thank you. 3. Debt-Free Contrary to what some academics might tell you, there is no such thing as good debt. Lets say that again (read it out loud): THERE IS NO SUCH THING AS GOOD DEBT. True, some debt is worse than other debt, but its never good. The truth is: you will not feel free until you are debt-free. The debtor is always slave to the lender. Besides, its feels pretty amazing to have no car payments, no credit-card payments, and no student-loan payments looming in the shadows of your lifestyle. Throughout our twenties we both had excessive piles of debtâ€"more than six-figures each. It was a debilitating feelingâ€"a complete loss of freedom. Although there are no magic bullets, the strategy weve seen work best is Dave Ramseys Total Money Makeover, a detailed, step-by-step formula that both of us used to create a detailed plan, cut-up our credit cards, and face our debts head-on. Also read: Debt-Free: JFMs Story of Overcoming Debt. 4. Minimize Of course minimalism was a key component in our own journeys toward financial freedom. By clearing the clutter from our lives, we were able to focus on eliminating debt, changing our habits, and making better decisions with fewer resources. We also learned that by simplifyingâ€"by identifying which material possessions werent adding value to our livesâ€"we were able to more quickly become debt-free by selling more than half our stuff locally (yard sales, consignment shops, flea markets) and online (eBay, Craigslist, Autotrader). No, minimalism is not about deprivationâ€"we dont want anyone to live without in the name of minimalismâ€"but sometimes it makes sense to temporarily deprive ourselves of ephemeral satisfactions when we are attempting to move our lives in a better direction. For example, as we were tackling our debts, Joshua sold his oversized house and moved into a tiny apartment. Ryan sold his fancy new car and purchased a decade-old vehicle without a monthly payment. We both jettisoned our cable subscriptions, satellite radio, and other superfluous bills that saved us hundreds of dollars each month. We also did strange things like deliver pizzas, work overtime, and find other ways to supplement our income in the short-term so we could pay off our debts faster. Plus, we sold hundreds of itemsâ€"electronics, furniture, clothes, DVDs, books, collectibles, tools, yard equipmentâ€"that werent essential, and we used that money to further pay down our debts. Basically, anything that wasnt nailed to the floor found its way to eBay. Now everything we own serves a purpose or brings us joy, and we dont miss any of the trinkets of yesteryear. Dont know how to start minimizing? Consider our 30-Day Minimalism Game. Or if youre feeling aggressive, have a Packing Party and a Scanning Party. You can also visit our Start Here page for more ideas. 5. Contribute The shortest path toward freedom is: appreciating what you already have. One of the best ways to find gratitude for the gifts youve already been given is to change your perspective. To do so, donate your most precious asset: your time. Bring your family to a local soup kitchen, foodbank, or homeless shelter. Tutor less-privileged children in your city. Help the elderly with groceries or in-home care. Work on low-income houses with Habitat for Humanity. There are more resources than ever to help you contribute beyond yourself in a meaningful way; just do an Internet search for volunteer opportunities in your area. Whatever you do to build your contribution muscle, it neednt be grandiose; it need only contribute to someone elses life. If you do this for a few weeks, youll realize that your financial problems are tiny compared to many of the problems in the world around you. By discovering the smallness of your financial woes, youll feel empowered to take massive action and beat the crap out of your relatively miniature problems. In a short period of timeâ€"two or three yearsâ€"your entire life can radically transform from what it is today. All it takes is a plan (which you now have), determination (i.e., turning your shoulds into musts), and consistent action in the right direction. Conclusion: Simple Aint Easy Financial freedom isnt easy, but you knew that before reading this essay. The exciting part about these five principles is that they apply to anyone, anywhere on the socioeconomic ladder. Whether you earn minimum wage or six-figures, whether you are single or have half-a-dozen children, we have seen these principles work for thousands of individualsâ€"because its not about our income level; its about the decisions we make with the resources we have. You are now equipped with a recipe to make outstanding financial changes. You are obviously welcome to add your own ingredients to taste, but when it comes to true financial freedom, these five ingredientsâ€"budget, invest, eliminate debt, minimize, contributeâ€"are nonnegotiable. All five are necessary. Yes, you still have a considerable amount of research and planning and hard work ahead of you; but most important, you have to take action today. Diligence is paramount. You May Also Enjoy How to Start a Successful Blog Today Learn how to start a blog in less than an hour. Follow the step-by-step instructions we used when starting our blog, which now has reached more than 20 million people. Creating this blog is one of the best decisions Ryan and I ever made. After all, our blog is how we earn a living. More important, it's how we add value to other people's lives. Read more 30-Day Minimalism Game Let's play a simple game together. We call it the 30-Day Minimalism Game. Find a friend, family member, or coworker who's willing to minimize their stuff with you next month. Read more 11 Ways to Write Better We are all writers now. Whether you write books, blog posts, emails, Instagram captions, or text messages, you are a writer. No matter your preferred medium, here are a few tips to help you write more effectively. Read more Subscribe to The Minimalists via email.

Age is the most important factors - Free Essay Example

Sample details Pages: 3 Words: 834 Downloads: 5 Date added: 2017/06/26 Category Education Essay Type Argumentative essay Did you like this example? 1. How Does Bens Age Affect His Decision To Get An MBA? Age is one of the most important factors one has to look at when a person decides to do its master or not. At the moment, Bens annual salary of $50,000 and his current savings might be too small to prepare him for the future. Don’t waste time! Our writers will create an original "Age is the most important factors" essay for you Create order In the future Ben might require a certain amount of money to live comfortably after retiring, and this is not possible with the money he is currently receiving. In todays world a person is paid by the certificate he or she holds. With further education such as masters qualification, it would not only benefit Ben by increasing his potential to secure better position within the organization but also ultimately translates to higher income. A good MBA candidate should have an understanding of what the word â€Å"career† means these days. It means they will experience change. They should be prepared to experience employment changes, as well as moves to different fields and areas of expertise, just to survive in todays business environment. An MBA prepares a person for the transient nature of todays business world. (Veasley, 2009) It is part of most employees career goal to increase the salary that they are aerning and with a Masters qualification, such goals can be realized effe ctively. Graduates working instead of pursuing their MBA can later want to further their education; they say education has no end. If Ben does not decide to do his MBA now he has a choice to do it later after gaining some work experience. Some people feel that doing an MBA without work experience makes it more difficult to understand because that work experience makes them know a little about business world and thus enhance their knowledge from there. Continue Aith Current Job (No Further Studies) Year 0 Year 1 Year 2 Year 3 Year 36 $37,000 $38,110 $39,253.3 $40,430.9 $104,112.91 Growing annuity PV= C PV (salary) = $37,000 c = Annual salary x (1- tax rate) = $ 50,000 x (1- 0.26) r = Discount rate= 0.065 = $ 37,000 g = Constant salary growth = 0.03 = $ 728,896.23 t = Number of years = 35 Ben will able to earn the amount of $728,896.23 in the future provided that he continues with the current job without further studies. Wilton University Year 0 Year 1 Year 2 Year 3 Year 4 Year 36 PV $102,500 $102,500 $65,550 $68,172 $239,151.38 Annual Direct Costs = Annual tuition + books and other supplies + health insurance plan Annual Direct Costs = $60,000 + $2,500 + $3,000 = $65,500 PV = R + R PV (direct costs) = $65,500 + 65,500 R = Annual direct costs r = 0. 065 = $127,002.35 = $65,500 n = 2 If Ben studies in Ritter College of Business at Wilton University, he will use $127,002.35 to study the MBA program that requires two years. Growing annuity PV (indirect costs) = C= Annual salary x (1- tax rate) r = Discount rate = 0.065 = $50,000 x (1- 0.26) g = Constant salary growth = 0.03 = $37,000 t = Number of years = 2 PV (indirect costs) = $37,000 = $ 68,341.82 PV (total costs) = PV (direct costs) + PV (indirect costs) = $127,002.35 + $68,341.82 = $195,344.17 $195,344.17 is the opportunity cost of Ben if he chooses to study in The Ritter College of Business at Wilton University. Growing annuity PV3 (salary) = C PV3 (salary) = $65, 550 C = $95,000 x (1- 0.31) r = 0.065 = $1,424,719.73 = $ 65,550 g = 0.04 t = 35-2 =33 FV = NVP = PV (salary) PV (total costs) $1424, 719.73 = PV = $1,256,117.38 $195,344.17 PV (salary) = $1,256,117.38 = $1,060,773.21 Ben will able to earn the amount of $1,060,773.21 in the future provided that he chooses to continue his MBA programs in The Ritter College of Business at Wilton University. Mount Penny College Year 0 Year 1 Year 2 Year 3 Year 4 Year 36 PV $118,500 $55,380 $57,318.3 $59,324.44 $178,371.25 Annual direct costs = Tuition costs + books and other supplies + health insurance plan Annual direct costs = $75,000+ $3,500 + $3,000 = $81,500 PV (direct costs) = R + R R = annual direct costs = $81,500 n= number of years = 1 r = discount rate = 0.065 PV (direct costs) = $81,500 + $81,500 = $81,500 If Ben studies in Bradley School of Business at Mount Perry College, he will use $81,500 to study the MBA program that requires one year. Growing annuity PV (indirect costs) = C x C = annual salary x (1 tax rate) g = constant salary growth = 0.03 = $50,000 x (1 0.26) t = number of years = 1 r = discount rate = 0.065 PV (indirect costs) = $37, 000 = $34,741.78 PV (total costs) = PV (direct costs) + PV (indirect costs) = $81,500 + $34, 741.78 = $116,241.78 $116,241.78 is the opportunity cost of Ben if he chooses to study in Bradley Scho ol of Business at Mount Perry College. Growing annuity PV2 (salary) = C PV2 (salary) = $55,380 C = $78,000 x (1- 0. 29) g = 0.035 = $1, 147,257.88 = $55, 380 t = 35 1= 34 r = 0.065 FV = NVP = PV (salary) PV (total costs) FV = $1, 147,257.88 = $1, 077,237.45 $116,241.78 r = 0.065 t = 1 = $960,995.67 $1,147,257.88 = PV PV (salary) = $1,077,237.45 Ben will able to earn the amount of $960,995.67 in the future provided that he chooses to continue his MBA programs in Bradley School of Business at Mount Perry College. Conclusion The best option for Ben from a strictly financial standpoint is option 2 where he chooses to study in The Ritter College of Business at Wilton University for MBA programs for two years full time programs. This is because Ben can earn the net amount of $1,060,773.21 in the future and it is the highest among the 3 option. Ben would gain an additional $331,877.33 of income compared to his current employment. It is also better tha n Mt. Perrys return by $99,780.91. From a financial sense, although Ben would spend an additional year enrolled in the university, in the long run, it would provide him with better total return. Refrences Veasley. D, (2009). What makes a good MBA candidate? https://www.gradview.com/articles/graduatestudies/mba_advantages.html