am 40.i dont know how to discipline myself in finances.?

Answer 1

Write all of your bills down. Add them up.

Add your salary up.

Subtract your bills from your salary.

If your bills are more than your salary, you need to seek professional help!!

Answer 2

I know what you mean! It's not easy to change habits of a lifetime, even when you know you need to do it. Lack of self-discipline is so frustrating and soul-destroying because we KNOW we need to do things differently, but just can't seem to stick with a plan.

First, have you looked at any self-help books on the topic? There are a few good ones out there, check out the library (don't spend any more money!!!). One book I liked was "7 Ways to Financial Wealth.' Easy to read, and a simple plan.

Secondly, tell yourself that you deserve to be financially secure. Tell yourself that you CAN control your spending and get on top of your debt AND LIVE DEBT FREE. Believe it to be so.

Thirdly, set up a system to make it happen. Add up all your debt, then figure out how much you can afford to pay each month to clear it up. Get rid of the expensive debt first (like credit cards). Have that money come out of your bank account automatically if you can, and auto-pay your creditors.

Then just stick to it, one month at a time, one day at a time! Say, 'Today I'm going to pay $10 more towards my debt and financial freedom.' Don't worry that it is 'only' $10 and seems like it will take forever to get ahead. Don't focus on the whole picture, just one bit at a time. (What's the saying? How do you eat an elephant? One bite at a time!)

You'll be moving towards a direction that will eventually show you are disciplined and in control!

Good luck. You've started down the right path by asking your question.

Answer 3

You can change...if you let yourself...if you need to.