Financial freedom is the wonderful ability to make self choices about what you want to do in life without the ristrictions of money pressures.

Here is Steps...

1-Take Responsibility For Your Money

-If your single, raising a family, married or in a long-term relationship, with or without children and your the breadwinner, provider and custodian of your financial affairs, remember communication is the key. Discuss your feelings about who's in charge of the different money roles and how you will share the financial responsibility. Share finances equally if possible to eliminate any misunderstandings when certain circumstances arises. This will eliminate any unnecessary arguments when money becomes a problem. If bank accounts are shared, distinguish who is in charged of what, when and how so surprises doesn't arise. For instance over spending or over drawn accounts. Everything should be accountable if there is a justifying reason for such spendings.

2-Confront Any Fears

-The number one fear that most men or women have about money is that they will be broke when are get old. "Statistics sgow that for every one hundred men or women who reaches the age of 65, only 2 are financially independent". So the reality is that whether you are rich, poor or in between, the person you need to rely on to keep you from the poorhouse is YOU. Other fears may include-Losing Money, Looking Stupid, Talking About Money,Making Mistakes, Failing, Borrowing Money, Investing, Having No Trust for thy self, or Sticking with People who Give Bad Financial Advise. The upbringing could be a main factor on your money habits. Not having enough knowledge and insight about money and carrying a load of debts.

3-Become Financially Intelligent

-Learn how money works. It's not that complicated. There are many money courses you can take to learn the basic principles of money management. Like learning how to manage your bank accounts to sophisticated investing. Good places to look are at your local libraries, or local communities and most classes are free. There are many good books to get at book stores also.

4-Do a Reality Check

-The financial truth could be intimidating, so people tend to avoid it or deny that there is anything wrong. If you are struggling financially, get some financial advise from someone who has been down the same path. Don't live in a fantasy world like most people do, instead live in the real world. Learn to write all finances down on paper so you could always refer back to it to analyse how much is being spent and where. This will give you a good idea on money management. Learn where your financial priorities are before you go ahead and spend an arm and a leg when you may not necessarily need to on things you really dont need. In the long run your honesty with extra spendingwill pay much better dividends then before.

5-Look Ahead, Know What's Coming

-The danger with a hectic, multi-tasking lifestyle is that one week just blends into the next, and suddenly before you know it half the year has gone. What's worse is when your immersed from week to week and you can't see the bigger picture. As far as your money is concerned, you need to look down the road to see what's coming in order to avoid any surprises. Ask yourself what major purchases or payments will be required in the next 2 years, a new car, home improvements, college tuition, a wedding, medical expenses, a vacation, or a significant charity or donation. Did you plan in place for what these may cost? or do you just "hope you make it plan" might work that by spending on unplanned events may create another financial hole from which may take years to pay off? Always plan ahead so you don't create another financial hole for what may come ahead.

6-Dump Your Bad Habits

-We spend money constantly, which means we develop spending patterns. When we make bad choices abvout money we end up with all sorts of negative circumstances. So try writing down your bad spending habits so you are able to see the spending patterns you create with out realizing it. Make a committment and stop the behavior. No more impulse spending, or late payments because paying back is a high price to pay.

7-Create A Plan and Stick With It

-This may be hard for most people but staying focus on the end result and the freedom, your financial disipline will bring you joy. Money problems are one of the main causes of broken relationships. Use what ever stimulus it takes to motivate you.

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