Date: 19/02/2019
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Manage your personal finances

Basic economic principles of business pertain equally in your personal life.  Sounds pretty good but we so often hear about professionals who can’t seem to figure out their own finances. Life is not that complicated – If you spend more than you make sooner or later it will catch up with you.

Everyone needs a budget. List your income in one column and right next to it, list your expenses. If column one is greater than column two you have some money left over for saving, celebrating or buying a goodie.  If column two is larger you need to cut back on some of your expenses. Warning: building credit card debt is expensive and stupid. A good financial rule of thumb: “if you can’t pay for it now don’t buy it” with the exception of a reasonable priced home and a good car.

If you spend more than you make you will likely have increased stress in your life.  When your employer finds that you are not personally financially responsible that may slow your career growth and you might not even realize it. Demonstrated financial responsibility in your personal and business practices speaks well of you as person and as a leader.
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