Get Into “The Habit” and Save Your Financial Life

Are you stuck in debt? Embarrassed to be broke all the time? Find it difficult to save? If you are, you need to read The One Financial Habit that Could Change Your Life. Buy 3, Get 1 Free.

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Excerpt from The One Financial Habit That Could Change Your Life,
by Robert Ironside and Edwin Au Yeung

Introduction: The One Financial Habit That Could Change Your Life

Are you always out of money? Embarrassed to be broke all the time? An out-of-control shopaholic? Are you stuck in debt? Unable to save?

Congratulations. You have just taken the first step towards greater happiness and prosperity and fewer worries about money. This book contains the knowledge you need to empower yourself to take control of your money and your life. This book is about the One Financial habit that can change your life!

That sounds like a pretty tall order for a book about finance, but it is true. What you will learn in The One Financial Habit That Could Change Your Life will dramatically and irrevocably change the choices you make about money. In fact, this book comes with a simple and unequivocal promise: by investing the time to read this book and by taking advantage of what you learn, you will change your financial health — for the better.

So, why is money so hard to understand and control? The answer, according to recent research[1], is that money activates the same pleasure centres in the brain as sex and food. These are the deep, primitive drivers of the species that have ensured our species’ survival through the ages. No wonder dealing with money is hard! No wonder so many of us lose control of our money!

And when we lose control of our money, we can lose both our self-confidence and our self-respect.

What does it take to avoid this financial disease? You need to change your mindset and develop one very important financial habit — one that will truly help you prosper and grow wealth that is sustainable!

Let’s start by defining the word “habit.” The Merriam-Webster online dictionary (www.merriam-webster.com) defines habit as “a routine of behaviour that is repeated regularly and tends to occur subconsciously, without one’s directly thinking consciously about it.” This is exactly what we want you to achieve: we want you to reach the point at which you routinely employ the One Financial Habit in all of your financial activities without consciously thinking about it.

Don’t worry. The concepts powering the One Financial Habit are not difficult concepts, but then again, don’t be deceived by their apparent simplicity. These are some of the most powerful financial concepts in the world. If you apply these new concepts consistently over your lifetime, you will empower yourself in ways you never dreamed possible. You will learn how to take control of your money instead of letting your money control you. You will buy yourself financial freedom — freedom to do what you want when you want, freedom that no one can take away from you.

But why now? Now is a fantastic time to be enriched and engaged. There are amazing opportunities for young and old alike. So much of what we take for granted today did not exist even ten years ago. Facebook; Twitter and hundreds of other innovations have become deeply embedded in our culture and our economy and have increased our opportunities. Each innovation creates new jobs and new sources of income. Just think what the next ten years could bring.

But these innovations have also created new temptations — new ways to spend our hard-earned cash more quickly, more conveniently and more dangerously than ever before. The next ten years will not doubt produce even more ways to seduce us. How will we resist?

It is our belief that temptation can be overcome only by empowerment. We become empowered when we are armed with knowledge, understanding, a plan that makes sense and habits we can trust to increase our financial well-being. Never before has the One Financial Habit been so important and so necessary!

You’ll want to keep One Financial Habit That Could Change Your Life by your side, as you implement what you learn about financial empowerment in the following pages. You will learn:

• How to make your money grown into amounts larger than you ever imagined.
• How to invest your savings to maximize your wealth.
• How to choose among investment strategies, such as registered retirement savings plans (RRSPs) and tax-free savings plans (TFSAs).
• How to decide whether to use a financial advisor or become a do-it-yourself investor.
• How to use a budget to guide your financial behaviour.
• How to spend the smart way and how to save the easy way.
• How to leave a legacy for loved ones by building your personal net worth.

Want to know more? We invite you to read The One Financial Habit That Could Change Your Life again and again. The One Financial Habit you need in your life will become very apparent to you (and if it doesn’t, don’t worry, we’ll tell you!).

And therein lays the purpose and the mission of this book. We want to empower each of you by giving you the tools and the knowledge you need to navigate successfully the minefield that is modern life and share with you the One Financial habit that really can change your life!

Are you ready? Let’s get started.