If you're sick and tired of 'Paycheck to Paycheck'

1. Controlling your finances.

If you are sick and tired of living 'paycheck to paycheck', stop fooling around or acting like a child. Be mature enough to take control of your finances. Know where all your money go by taking account how much you spend, how much you save and your budget. In doing so, you'll know if your current income matches your current lifestyle.

2. Staying in debt.

If you are sick and tired of living 'paycheck to paycheck', stop ignoring your bills and debt before it's too late. Late payments of bills and debts will cost you compounding interests. It's as if giving free cash to banks, loan institutions from your hard-earned paycheck without any reduction from the principal. If you are in a huge sum of debt, pay more than the minimum amount indicated in your account statement.

Being in debt prevents you from achieving financial freedom for it takes away your time and opportunity to invest and grow your money.

3. Multitasking.

If you're sick and tired of living 'paycheck to paycheck', take one step at a time and focus your energy in accomplishing goal after goal. For some people, they say, multitasking works. But a well-known rule says, no person can serve two masters at the same time.

As you multitask, you tend to get overwhelmed by the amount of things you need to do and end up never getting anything done. Know your priorities by handpicking those things that will impact you most or will get you to your goal. Delegate the less important things and deal with the more important once.

4. Gambling and risking.

If you're sick and tired of living 'paycheck to paycheck', take cautious steps and study things first.

There are lots of sales people present in our lives, be it our neighbor, our friends, our relative, our family member. They present investment opportunities and vehicles that promises you too-good-to-be-true returns.

Take extra caution in entering these schemes. Study the basic concepts before signing in if you don't want to loose all your life-long savings. It's your money, take control where it go if you want to keep it.

Oftentimes, if an opportunity is just too good to be true, then it's really too good to be true. Better not invest on things, whose nature of business is unknown to you or is not guaranteed by any big governing bodies. You can also seek advises to people whom you think has sound financial foundation before diving in to this schemes.

Sometimes, sad this sounds, our love ones, is not the right financial adviser we'll get.

5. Waying your means.

If you're sick and tired of living 'paycheck to paycheck', before doing something, way-in your means. Can you really afford to go to that trip abroad? Can you really afford to buy that latest expensive phone? Can you really afford to buy that luxury bag? Can you really afford to splurge your money to free drinks for friends?

This can only be done if you take account of your expenses and you practice budgeting. If you don't have enough, learn to say know to family and friends.

Sometimes, being honest is the best gift we can give to ourselves. Stop living in pretenses buying stuffs you can never afford just to maintain a certain image in front of friends and ending up swimming in debts. If they are really your true friends, they'll accept you as you and not the things you can offer them. 

6. Play it smarter.

If you're sick and tired of living 'paycheck to paycheck', never gamble but take calculated risk. When you gamble and don't know much about it, you'll eventually loose all of it. Gambling can even lead you to addiction.

If you want to move out of 'paycheck to paycheck' play it smarter. Study all the risks involve. How much can you afford to loose?

7. Don't be a dreamer; be a goal-setter.

If you're sick and tired of living 'paycheck to paycheck', be a goal-setter. Dreaming are for kids. You are way over your child-act, it's time to act on those dreams. Your goals is the realization of your dreams. Focus your energy on creating system to achieve those goals daily, weekly, monthly or annual until you have it then move on to the next. 

8. Keep your cool.

If you're sick and tired of living 'paycheck to paycheck', keep your cool all the time. Don't boast of your achievement and never talk too much about your plans, people might destroy it. Sometimes, people have this mentality that they will be insecure seeing other people has plans to improve their lives.

Always remember to keep your cool and live in humility. Just show them the results once it's done. Have fun with your own financial freedom.