One of the largest searches on the internet today is “I Need Money Help”. In fact, over 70,000,000 people across our globe are searching the internet every month looking for answers.

Some of the reasons so many people are searching for help are due to a Lack of Education, Emotional Attachment, Relational Discord, and Psychological Distress.

Many people in financial disruption place blame on the current economic conditions. Some even place blame on societal pressures and on the spending habits we’ve developed over the past 25 years.

All of these reasons could lead to valid arguments, but they are not the primary cause to your problems.

Your struggles with money begin and end with YOU!

You are Your Biggest Problem…

It is so true that finances are 80% behavior and 20% head knowledge.

Developing a Cash Flow Plan isn’t hard once you understand all the components of a budget (this is the knowledge side). Knowing how to handle money responsibly is really simple: live on less than you make, save money on a consistent basis, and never go into debt. Yes, It’s really that simple.

The difficult part is actually doing it. Many people want to live for the NOW, but forget that there’s a lifetime ahead of them. The behavior and discipline necessary to say “no” and limit your spending today is extremely difficult.

Action: Make Your Money Your Problem!

You may be struggling with money, and think there is NO WAY you are ever going to get out of the mess you’re in.

You may be struggling with paying your credit card debts, receiving multiple collection calls every day, and can barely pay all of your necessities every month.

You may be scared and feel hopeless, and don’t believe there is any way to climb out from under the pile of debt you have buried yourself in.

What you need to learn and understand is that your problems, and your inability to pay your bills, are due to your lifestyle and your lack of ability to say “no” to yourself and your friends.

If you stop and think about it for a moment, that’s a really sobering thought: You are the cause of your financial problems.

It wasn’t something you intentionally set out to accomplish…You were normal and just followed what everyone else was doing and ended up in a financial mess!

For most, it’s not an income issue. It’s not because of the economy, society or even the government. It’s not a lack of knowledge and it’s not because of your friends. It’s because of YOU!

You are the reason you struggle with money. (I do realize that this does not apply to EVERYONE. Some people are facing circumstances that are out of their control)

…and You are your Only Solution that can change your Financial Journey.

You CAN change your future. You can have hope and live without fear, stress, or worry.

You can change everything as long as YOU’RE willing to make the necessary sacrifices.

Managing money is extraordinarily difficult.

The friends you hang out with, your family, and our society in general, ensure that you’ll have an uphill battle.

If building wealth and properly managing money were easy, then everybody would do it.

It’s tough, but it’s worth it. Take control of your finances today and you will see the rewards tomorrow. GUARANTEED! If you need help getting started, contact us at We are here to Navigate, Teach, Encourage and Inspire you to live and lead a Financially Free life.

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DISCLAIMER:  We do not sell any financial products, investments, instruments or endorse any financial service providers.  Financial Navigation (Coaching) is designed to give you accurate and authoritative information with specific regard to the subject matter covered. It is provided with the understanding that the WayPoints Financial Navigator is not engaged in rendering legal, accounting, investment or other licensed professional advice.  Since your situation is fact-dependent, if needed, you must additionally seek the services of an appropriately licensed legal, accounting, investment or other professional.

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