How to Always Have Money

Money runs the world. It is something everyone works for and no one ever seems to have enough of. This Hub will be on how to always have money. This is a simple concept yet it seems to be difficult to do! It will take work, understanding, and discipline. Note: Do not stop reading because you think it is too simple or not possible. You are very possibly the one who needs to read this, and this could be exactly what you need to hear.

The Secret

The secret is spend less money than you make. I know it seems ridiculous and simple, yet people don't do it. People think they need the nicest and the newest things, even if they must spend money they don't have to get them. The ability to manage your money will be forever more important than the ability to earn more! People are always searching to earn more money. It would be better for people to learn how to manage the money they have.

Your ability to apply this concept will change and improve your life forever, I promise!


Spending less than you make is the number one way to avoid debt. It is simple don't spend money you don't have. If you don't spend money you don't have you won't get into debt, and it is critical to avoid debt. A note on debt: People either have interest working for them or against them. If you have debt it is working against you.

If you have credit cards don't ever overspend. Pay off your credit cards in full every month. If you can't pay it off in full every month than you are spending money you don't have.

Avoid major purchases that are not necessary (wants and necessities are different). To have interest working for you, you need to have money rather than owe it. I understand there are things to go into debt for such as a house. However, there are not as many things as most people think there are.

If you already have debt pay it down as quickly as possible. The only time you can really have money is when you stop owing it. And freedom comes when you don't owe it anymore!


A critical way to manage your money is to know how much money you have, how much you are earning, and how much you are spending. This is simple budgeting. Like I wrote earlier this is not difficult but it does take work and discipline. Once you know how much money you have you can make decisions with a greater understanding. Once you understand you don't have the money it might be easier to say no to the next toy, outfit, or activity. Try waiting until you have the money and can pay for that toy in cash!

Your ability to put off reward until later is critical! I know it goes against societal pressures, but I think that is a good thing. You will see the benefits!

This is not meant to be an in depth financial system. It is to help people change their state of mind. gain greater understanding, and security. This will take self discipline. Take the time, manage your money, and say no a few times. You will see the benefit of applying this principle and putting rewards off until later. A final note. This is possible!

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Comments 15 comments

billyaustindillon profile image

billyaustindillon 6 years ago

All very good points - if you can avoid non producing debt you are way ahead of the game . :)

B Stucki profile image

B Stucki 6 years ago Author

I totally agree. Thanks for the comment.

bayoulady profile image

bayoulady 6 years ago from Northern Louisiana,USA

B, I agree and hurrah! Your principles are well founded and endorsed by many financial teachers.I was introduced to Dave Ramsey, a well known financial guru about seven years ago.It changed my life for the better. I now pay cash for everything except my home and car.

Dave has a radio show,website, Finacial Peace Classes course, and books. My brother has sat in Dave's studio soundbooth and talked with Dave. My brother has taught Dave's Financial Peace classes at his own church.He too says, don't spend what you don't have. I just bought a digital flat screen 32 inch tv and paid cash, whereas a decade ago, even if I had the cash, I would finance it.I have no idea why I would finance....plain stupid. Dave calls it stupid tax.LOL!

B Stucki profile image

B Stucki 6 years ago Author

I always enjoy your comments! Thanks! Yeah I was also taught these principles. Now I am just trying to share them with more people. It's the only way to go!

lahoriamplifier profile image

lahoriamplifier 6 years ago from Lahore

Good info thanks for sharing this hub

B Stucki profile image

B Stucki 6 years ago Author

Thanks for the comment!

elayne001 profile image

elayne001 6 years ago from Rocky Mountains

Such wise words. I have found lately that I can do without many things I formerly considered necessary. I didn't die, so I guess I really didn't need them. Good advice.

B Stucki profile image

B Stucki 6 years ago Author

Thanks for the positive comments! It's funny what we can live without.

alicia1999 profile image

alicia1999 6 years ago

B Stucki, No one could have said this better. This is the truth of the matter and most of us spend more at times than we should. It does take a mind set of rules and sticking with those rules no matter what. Wonderful article. Thank you for sharing this much needed info.

B Stucki profile image

B Stucki 6 years ago Author

You're welcome. Thanks for the positive comment! It definitely takes a mind set.

bayoulady profile image

bayoulady 6 years ago from Northern Louisiana,USA

I started this total freedom of being debt free in 2002,and it gets better and better. Such peace of mind!

B Stucki profile image

B Stucki 6 years ago Author

Isn't it though. That's the beauty of it.

CMHypno profile image

CMHypno 6 years ago from Other Side of the Sun

Very good points, I agree with them all, but can be surprisingly hard to put into practice. It must be particularly hard for parents to say no to their kids, when the kids see their friends getting things that they also want

B Stucki profile image

B Stucki 6 years ago Author

I totally agree. It's good for the kids to learn too. Moderation in all things. Thanks for the comments!

ausdcoop 5 years ago

Im 17 years old trying to start my financial life good and without fearing i dont have enough money for things i want to purchase. This really helped me out with short and long term goals simple straight to the point thank you

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