The only person that is to blame for whatever that is happening to your money is You. You are the pilot and you are the one that will decide whether to earn more money and live a good life or die poor. You cannot be the same, think the same and act the same if you want to be successful with your money in a world that does not remain the same.
Albert Einstein says “the definition of insanity is doing the same thing over and over and expecting different results”
Something has to change and that something is you. Your mindset about money must change, your beliefs and actions must also change. What are the things you need to change about your money?
Spending more than you earn is one of the difficult issues with personal finances, leading you into debt instead of abundance. You will have to rely on loan/ debt to cover your spending. The loan comes with its interest and traps you into more debt. You can change two things: Cut your spending and budget better or focus on earning more money.
Start keeping track of your budget, without tracking your spending you can’t make informed decisions on your earnings that will support your financial goal. Try and use your ATM card to track your spending, It’s a valuable assistant that can help you account and monitor your spending per week or per month.
As you track your money, you will see more progress and you will become more motivated to achieve more. You now have the power to decide what to spend and how much money you want to earn. You will be able to set your financial goals.
If you don’t have discipline about your money, I don’t think you will have much of anything. If you can’t give yourself command and follow it, you probably will not go farther than where you are with money. Make the decision to change your money behaviours.