• Chris M Wilson

What's in Your Wallet? 3 Tips to Live With Money

What's in Your Wallet? 3 Tips to Live With Money - Blog

What’s In Your Wallet? 3 Tips to Live With Money

Let’s talk money. Many people have negative feelings about money. Whether it’s their parent's beliefs, grandparents', or what their current environment tells them. Understanding money and having a good relationship will help you be less stressed, happier and keep more of the green stuff in your wallet.

It doesn’t matter whether you want a lot of money or not. The one thing I want to make clear (no matter where you are and what lifestyle you may live) is that money is required to survive. Learn about three tips to help you live with cash on a better level.

To be responsible and keep a roof over your head, food on your table, and pay for life's necessities, you’ll require money to some degree.

If you’re looking for further actionable advice on money, check out my book Optimal Wealth. Learn the tools I used, like budgeting and planning to get out of more than $55, 000 worth of debt.

Tip # 1 - Your Money Relationship

This is number one for a reason. The relationship you have with money (whether good or bad) will determine many outcomes with cash in your life. Creating the right relationship and beliefs around money is step one to living with it and controlling it daily.

I enjoy a book called Happy Money, The Japanese Art of Making Peace With Your Money, by Ken Honda. This book is a great starting point to learn about and create a better relationship with your money.

Your beliefs will ultimately shape your money's present and future reality. If you learn about any negative beliefs, you may hold from your upbringing or current circle, you will be able to assess your situation and shift these beliefs.

The goal is to feel good about money. When you spend money, how do you feel? When you think about money, how do you feel? Ask yourself these questions and determine if you have a positive or negative relationship with money.

Tip # 2 - Your Money Plan

If you read the blog weekly (which you should be), I release a new one every week on Monday (if you were wondering), then you may know that I love a good plan. If you fail to plan, you are planning to fail.

A plan is 100 times more important than money because it affects your daily life. Winging it and randomly spending doesn’t work (I’ve tried it). Knowing where your money is going is a good start, but having a plan for where your money should go each month is even better.

Understanding your money flow will be critical to earning (and keeping) more of it. If you don’t know its flow, it will be difficult to control it.

I recommend starting with a simple budget. This is where you would calculate what you earn (income) versus what you spend (expenses). If you want further detailed information on this topic, read my book Optimal Wealth.

I also offer free money worksheets to ensure you stay on track. Read the book and download (and fill out) the worksheets.

Tracking when and where your money comes in and goes is the goal here...

Tip # 3 - Your Money Savings

The time is now, not when you have “more.” I’ve said it before as well. “When I have more, I will save, give, or invest.” Please try and avoid these sayings at all costs. When you have more, you spend more. When you earn a higher amount, more seems to disappear at the same rate as now.

This means that saving some NOW is what matters. It doesn’t matter about the amount, even if you can only afford to set aside $50 a month. This is better than nothing. Not only is $50 better than nothing, but it also equals $600 at the end of just one short year!

There are many ways (and formulas) about how much you should save. While I won’t bore you with random numbers, I will say this - saving anything monthly is better than zero. You will see precisely how much you can put aside with a budget.

If you’re having trouble finding spare money to save, give, or invest, you should look into ways to LOWER your overall expenses. This could be from cutting out some eating expenses or lowering some of your bills.

If you don’t have any money left to save at the start and end of the month, then you need to trim some of what you spend. Your Income should always exceed your total expenses month after month. If it were the other way around, you’d be digging deeper into debt each month (not a good thing).


There you have it, three ways to keep more money in your wallet (or in your account).

Tip # 1 - Your Money Relationship

Tip # 2 - Your Money Plan

Tip # 3 - Your Money Savings

Focus on these tips to have more money and create a more significant impact than yourself. Money can help those less fortunate than you and go to a good cause.

If you haven’t yet read my book, you can read it HERE. Optimal Wealth is about breaking the paycheck to paycheck cycle on your way to financial freedom. Check it out today.

Chris M Wilson CEO of Your Optimal Lifestyle self help brand.

Chris M Wilson

Entrepreneur & Purpose Coach

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