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Live 4 Financial Freedom

62 EpisodesProduced by Bruce MillsWebsite

Become a Paid Subscriber: is our journey through Marriage, Raising Teenagers to Financial Freedom. Financial Freedom (FIRE) can help give you choices in life. We share stories to help couples getting married, married. Helping parents survive raising kids to plan… read more


Learn to say the word "NO"

How does the word “No” have anything to do with reaching your Financial Freedom Goals you may be asking me? It is a huge factor, I think. You need to be able to say “No” at times to be able to stay on your budget and disciplined to reach your goals.

In our house hold we have to say “No” quite often to our boys. If they had their way, we would be going to the movies every night and out to eat every night. Which I would agree with them that it would be fun but then the next day I would be disappointed in myself that we didn’t stick by our budget.

Each week I get invited to golf at least three times at about an average cost of $50. The prices are higher in the winter months because of all the snow birds. My budget for golf is about $50 a week. In the months from May to October I can play about three times a week for $50. But in the winter months I can only play once a week. It isn’t any fun turning down friends who invite me to play golf but in our current budget that is what our budget is. Maybe once the boys are out of the house and my business is making more money.

So, in the Winter months I try to mix it up and golf each week with a different group of friends to try to stay in touch until the cheap rates come back. I also will invite them over at times to watch Football on TV to help keep in touch.

Another time we have to say “No” at times is when friends want to go out with us for the night to dinner or drinks. Our budget on going out with friends is currently only $100 a month. So, depending on what friends want to do that is normally one night out for the month with another couple.

We try to mix it up and rotate different sets of friends to get with each month so we can try to keep in contact with in person other than just social media.

Sometimes we will also ask friends over to our house to play some cards or do some putting in the backyard. We can have fun with friends at our house for a low cost for sure. About $25 in snacks can go a ways.

Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.

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