These Practices Will Help You Achieve Financial Freedom.

AJIRA ZA UHAKIKA NJE NJE, BONYEZA HAPA

This has been a big dream for many people regardless of age, to be free financially. Financial freedom basically means having enough savings, investments and cash on hand to afford the lifestyle we want for ourselves and our families and a growing nest egg that will allow us to retire or pursue the career we want without being driven by earning a certain amount each year. Too many of us fail to reach that goal. We are burdened with increasing debt, financial emergencies, reckless spending and other issues that prevent us from reaching our goals. It happens to everyone, but these traits can put you on the right path.

1. Set Your life Goals

A general desire for “financial freedom” is very unclear of a goal. What does it mean to you? Write down how much you should have in your bank account, what the lifestyle entails and at what age this should be achieved. The more specific your goals, the higher the likelihood of achieving them. Then, count backwards to the current age and establish financial mileposts at regular intervals. Write it all down neatly, and put the goal sheet at the very beginning of your financial binder.

2. Make a Budget

Making a monthly budget, and sticking to it, is the best way to guarantee all bills are paid and savings are on track. It is also a monthly routine that reinforces your goals and bolsters resolve against the temptation to splurge.

3. Pay Off your debts and Credits in Full

Credit and similar high-interest consumer loans are toxic to wealth-building. Make it a point to pay off the full balance each month. Student loans, mortgages and similar loans typically have much lower interest rates, making them less of an emergency to pay off.

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