How You Use Your Spare Time and Spend Your Money

Education & Training with Ludwig & Associates

How You Use Your Spare Time and Spend Your Money

 “Tell me how you use your spare time and how you spend

your money and I will tell you where and what

you will be ten years from now.”  

Napoleon Hill 1883 -1970, American Self-Help Author 




As I see it . . . . . . . .

How you use your spare time and spend your money


What do you do with your spare time?


Do you use it for healthy purposes . . . . and to maintain good health?


Do you use it to develop you’re your professional skills? 


Do you use it to expand your thinking?


Do you use it to grow as a person?


Do you use it to meet new people . . . . and to expand your sphere of influence?


Do you use it do the important things in your life?


Do you use it to spend quality time with the people that are important to you?


How you treat money and the way you spend your money will show your respect for money . . . . and the way you will spend it in the future.


How you use your time and how you spend your money is a reflection into your character . . . . your respect for money . . . . and if your focused forward.



©2017 Lou Ludwig Success Tips, Sales and Management Consultant, Success Coach, Speaker, Trainer and Author












Re-Blogged 2 times:

Re-Blogged By Re-Blogged At
  1. Barbara Todaro 12/30/2017 06:55 AM
  2. Sally K. & David L. Hanson 09/22/2018 11:15 AM
Real Estate Best Practices
The Lounge at Active Rain
Out Of The Box!
Diary of a Realtor
success tips
napoleon hill
spare time
spend money
your thinking
focus forward
respect for money

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Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

Good morning Lou.  This is something that I learned well from my parents and my early economic situation.

Dec 05, 2017 04:40 AM #9
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Good morning Lou. Certainly made some mistakes in my younger days! Enjoy your day!

Dec 05, 2017 04:50 AM #10
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

I teach a real estate class on time hacks that differentiates between business and busyness. I see too many agents who don't realize that the time wasted in busyness can be used better for long term planning and vision.

Dec 05, 2017 05:23 AM #11
Brian England
Arizona Focus Realty - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

Well, I certainly try to use my spare time effeciently and productively, but often times I just want to relax and do nothing, haha.

Dec 05, 2017 06:23 AM #12
Anna Banana Kruchten CRB, CRS 602-380-4886
Phoenix Property Shoppe - Phoenix, AZ
Arizona's Top Banana!

Hi Lou I am sure most of us wish we were wiser in both how we spent our spare time and spent our money!  Thankfully most of us figured it out! And if not, there is still time to do so.

Dec 06, 2017 09:22 AM #13
Rick Frissell
HomeXpress Realty - Valrico, FL
aka "The Red Baron of Real Estate"

So now I have a conundrum.  Am I still working because I did not spend my money wisely or am I still working because I like how I am spending my time?  

Dec 06, 2017 10:36 AM #14
Alex Rubin
Douglas Elliman - Long Beach, NY
Who You Work With Matters

Thank you for sharing, Lou. Great questions for self-reflection!

Dec 06, 2017 10:38 AM #15
Corey Martin
Martin Presence Group - Ruston, LA
Real Estate and Management Solutions

Great points and a great motivational! Thanks for sharing. 

Dec 06, 2017 12:04 PM #16
Andrew Mooers | 207.532.6573
Northern Maine Real Estate-Aroostook County Broker

Agree with Gabe Sanders and congratulate parents who instill the economic training, time management and awareness time flies. Made aware of lessons learned early on. Applying them to run a tight ship Lou Ludwig !

Dec 06, 2017 01:24 PM #17
Mike Frazier
Carousel Realty of Dyer County - Dyersburg, TN
Northwest Tennessee Realtor

Lou, as always thanks for the motivational post. I look forward to them!

Dec 06, 2017 01:49 PM #18
Jeff Dowler, CRS
Solutions Real Estate - Carlsbad, CA
The Southern California Relocation Dude


These are some wise words, no matter how much spare time, or money, you have. Use them both wisely!


Dec 06, 2017 10:26 PM #19
Scott Seaton Jr. Bourbonnais Kankakee IL Home Inspector
SLS Home Inspections-Bradley Bourbonnais Kankakee Manteno - Bourbonnais, IL
The Home Inspector With a Heart!

Oh to be 20 years old again and know what I know now. 

Dec 07, 2017 04:57 AM #20
Beth Atalay
Cam Realty and Property Management - Clermont, FL
Cam Realty of Clermont FL

Good morning Lou, great post. Spend your time wisely so you have enough money to do the things that make you happy which is different for each person. 

Dec 07, 2017 06:14 AM #21
Kevin J. May
Florida Supreme Realty - Hobe Sound, FL
Serving the Treasure & Paradise Coasts of Florida

Lou, there may be a decade or two I'd like to have a do-over. What a great post you've provided us today. I must put Napolean Hill into the read file.

Dec 07, 2017 06:29 AM #22
Shirley Coomer
Keller Williams Realty Sonoran Living - Phoenix, AZ
Realtor, Keller Williams Realty, Phoenix Az

A great post to get us thinking!  Most of us would probably like to go back in time and have "do-overs" with some of our financial choices!!

Dec 07, 2017 06:49 AM #23
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Hi Lou -- smart words -- great advice.  Lessons learned...many of them and over time.   Barbara Todaro is an AR member who comes to mind(quickly) that this rings true...

Dec 07, 2017 10:15 AM #24
Alba Henesy, PA
Rabell Realty Group LLC - Gainesville, FL
Realtor in Gainesville, FL

Hi Lou, love this post. I have printed it and is up on my board, so I can reflect on it daily. 

Dec 07, 2017 10:31 AM #25
Mike Cooper, GRI
Cornerstone Business Group Inc - Winchester, VA
Your Neighborhood Real Estate Sales Pro

Lou, I love the Napoleon Hill quote, and you are so right. You tell a lot about a person by how they spend their spare time and money. 

Dec 07, 2017 01:53 PM #26
John Wiley
Right Move Real Estate Group- EXP Realty - Fort Myers, FL
Lee County, FL, ECO Broker, GRI, SRES,GREEN,PSA

Great point made Lou.

I wish more people would spend some time and money on expanding their mind.

Dec 08, 2017 03:42 AM #27
Maureen Bray Portland OR Home Stager ~ Room Solutions Staging
Room Solutions Staging, Portland OR - Portland, OR
"Staging that Sells Portland Homes"

These are excellent tips Lou and as I approach retirement they are just as important (perhaps even more so).  Thanks for the reminders!!

Dec 10, 2017 11:20 PM #28
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