I Don’t Have Any Extra Money Are you procrastinating in keeping a budget and tracking how you spend your money? Have you already said, ‘I don’t and won’t have any extra money?’ So do you really want financial success? Do you really want to save money for that something special and do you really want to save money for your retirement goals? In seven to ten years every dollar saved doubles and in fourteen to eighteen years it triples. The compounding of interest gains momentum like a snowball rolling down the hill. What do you buy on a daily basis that you could pay less for? For example; suppose you and your spouse each buy two cans of soda at ($1.00 each) from the vending machine at work each day one for lunch and one for the afternoon break. $1.00 per soda X 4 sodas per day = $4 X 20 work days a month = $80 spend on sodas. Over one year that totals $960. Could you buy your soda at the grocery store for less or could you eliminate the soda habit and drink water which is free. The better question to ask is, ‘Are you willing to change your spending habits and life style for the more lofty goal of financial success?

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