Empower Yourself. Say NO!
You do not need to buy a bunch of books from Dave Ramsey, Suze Orman or David Bach to get this kind of advice.
You don’t have to go to week long seminars to learn this powerful tool either.
You don’t even have to leave your home.
Look no further than this blog post and you will get the most valuable money advice you could ever need.
The power of this strategy is amazing!
It will teach your children a valuable lesson. It will save you thousands of dollars. It will help your marriage. It will even allow you to reach the type of financial freedom that you have always wanted.
I can even provide you with a 100% guarantee that this strategy WILL work.
I’m so confident in the power of it that I am going to give this advice to you for FREE!
The most important money advice you will ever need is:
Learn to say “no!”
When you are at a department store and your teen asks you for a new shirt that is “only $20.” Tell her, “no!” When you have entered a big box store and your 5 year old asks for a Hot Wheel car; “just a little one, it doesn’t cost a lot.” You tell him “no!” When your partner is tired of eating at home and wants to hit up a restaurant for dinner, just say “no!” When you are coveting that amazing new piece of technology even though what you have is working, tell yourself “no!”
The power of this little word can do amazing things for you, for your children, for your relationship and for your financial stability. If we could only learn to tell ourselves “no” more often, we would save ourselves a lot of money.
Think back over the last few credit card bills. How many of the items you purchased could you have said “no” to? My guess is quite a few. Most of us do not go into debt by saying “no.” It is usually because we want it and we want it immediately.
Moving beyond the need to buy now and worry later is crucial for your financial health. The satisfaction of telling yourself “no, not until I save for it,” needs to become your new mantra. This message will be difficult to learn at first but eventually it will become second nature and in turn, you will see amazing things happening to your finances.
Try it this week. Ask yourself if you need it and if you don’t, JUST SAY “NO!” Come back and let me know how it goes by sharing your thoughts in the comments below.
Of course this advice is in Dave Ramsey’s book and in his Financial Peace course.
No doubt Chad. We’re Dave Ramsey fans here. I don’t think her post was meant to say don’t buy Dave Ramsey books, it was just a way of making her point that learning to say NO is one of the most important pieces of money advice ever. If you can’t say no, nothing in any of those books including Dave Ramsey’s would help you change your financial course.
Haven’t see ya around here in a while. Good to hear from you again. 😀
Sure it’s in his book but I think when I was writing this post I was thinking more along the lines of those just starting out in the process of becoming debt free. Maybe they haven’t found DR yet. Either way, I think it’s a concept we all need to hear/read over and over again. I know I do.
Thanks for commenting Chad.
Sadly people don’t say “no” to their children in many areas of life not just finances. I had the “pleasure” of watching 3 kids in the row in front of us at church this weekend go haywire – while the mom and grandma react to each of their outbursts. How about setting expectations ahead of time? This works with money, too.
You are so correct Kris. The word “no” has been stigmatized to make us feel like bad parents. But if we don’t use it appropriately, we create spoiled, ill-mannered children who become spoiled, penny-less adults!
My kids are very very well behaved and I’m thankful of that. We don’t have those types of outbursts but I did fail with the money part early on. Fixing that for sure now!
Not only can no keep you from going into debt, it can save you time (by keeping you from being overcommitted) and help kids realize that life requires planning and saving.
You are so right Jackie!
I just wrote a post today on my own blog about planning. It is so very important! If I had said “no” to myself more and planned better, bet I wouldn’t be where I am today.