Make sure you pay yourself first and put it away.. don’t touch it. Have a goal and don’t spend your savings until you reach your goal.

Pay Yourself FIRST and Save what you pay yourself.

It’s not what you make, but what you KEEP, that determines financial success. If you were to have saved every cent you’ve earned over your life, do you think you’d have plenty of money? What if you’d saved only 10% of that?

Why do some people have plenty of money while others constantly struggle financially? Some people come from very poor parents but become very wealthy, so it’s not coming from a poor background that necessarily makes you poor.

Some people come from very wealthy parents but squander all their wealth, so being born with a silver spoon in your mouth doesn’t determine whether you’ll be wealthy or not either, although admittedly, it’s a good start.

You can look at families and see varying degrees of wealth and poverty within those individual families, so clearly, a persons upbringing or what they may inherit, is not what determines how financially successful a person will become.

So then, what about education? Well, we can see that the level of education may certainly determine the amount of income people can earn, but if they are up to their eyeballs in debt so much so that they’re one emergency away from financial ruin, then you wouldn’t consider that person financially successful, or financially free. No matter how much you make, if you spend it all, you’re in as precarious a position as the bloke who only makes minimum wage and earns only enough to pay for basic necessities. In fact, many people who earn large incomes are in a worse position than the minimum wage person. Minimum wage people generally don’t have much debt because they don’t qualify for it, so who’s really more free?

So what is it then? What’s the secret?


Learning these principals of financial fitness, and applying them, will help anyone see improvements in their financial situation and eventually, over time, financial prosperity. Alternately, those who don’t know, or fail to apply, good financial principals, will always struggle.

Financial fitness, like good physical fitness, requires two things:

  1. Knowing what to do
  2. Taking action to do it

Knowing is not enough if you don’t take action. Taking action on the wrong things is worse than taking no action at all. You need both elements. Implementing the right actions consistently is what will make the differnece.

Time to move on to Financial Fitness Principal #2

Toodles for now! ~Callie

P.S. If you want to get in-depth information on these principals, then subscribe to get a Free Report and a 10 part email series with lots of action steps you can take to get in a better financial position. You can unsubscribe at any time. This is no obligation, just helpful information.

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