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How your expenses are keeping you poor and what to do about it.

The full chapter on Expenses will show you how to cut the frivolous costs out of your life, and apply that money to improving your Lifestyle long term.

Less expenses means more income, more cash, and more Real Assets.

It is a simple financial principle that to have more money you can do one of two things:

1. Increase your income; or
2. Reduce your expenses.

Usually in business and your personal life the easiest is to reduce your expenses.

If you want to have more money for investing, or reducing debt, or giving away, you must look at your monthly spending and see what expenses you can cut out. If you haven’t done this for a long time a good rule of thumb is a 10% reduction in expenses, or 20% if you live a lavish life.

Tip #1 Installment (Hire Purchase) Purchases
Do not incur any new installment purchases. These have high interest rates, usually a set up fee, and encourage you to spend beyond your means. If you cannot afford it, you cannot buy it – simple.

Tip #2 Mortgage Interest Rates
Do some research on your mortgage interest rate. Many people simply get a mortgage and then forget about it. Are you able to refinance at a lower rate? Do you have the option to take a lower fixed rate? Could you change banks to get a lower rate?

Tip #3 Credit Cards

Pay off any credit cards immediately. The interest rates on these are far higher than either your home loan rate or on a personal loan from your bank. You are better off taking a new loan from your bank at a much lower rate and paying credit card debt off immediately. Of course you then have to be disciplined not to ever spend more than you have, so that you can pay your credit card bill in full every month. If this is likely to be a problem, request that your credit card provider reduce your limit. Or simply cut up your credit cards.

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