Secrets For Saving Money & Building A Better Life

Five years ago, Tomas and his girlfriend decided to never buy anything with debt ever again. No cars, credit cards, and if possible… even the home. They also agreed to have a strong savings, protective insurance and even a family trust.

They believe money is far more important than most people think. Money is less stress, it’s more freedom, it’s better health, it’s a life of vibrancy, ability and options. And most importantly, money is security.

But many people don’t realize how close they really are to the antithesis of money… Bankruptcy, foreclosure, calling in awkward favors, frustration, anxiety or even living on the streets.

What would happen if you lost your job tomorrow? What would happen if you got pregnant? What would happen if you got sick or were in a bad car accident? Or what about your family… if you died, would they be okay?

Do you have have 8 months of emergency savings? Do you have good health insurance? What about disability or life insurance?





We need to stop being stupid about money. We need to reevaluate our needs, we need to hustle harder than we are, and we need to start being smart with every single spending decision we make. They gave this advices for the people who is interesting to be smart about their finances.


We have to keep 10% More

I know this sounds easier than it is. But I’m not saying go make an extra $1,000 per month. I’m saying go make an extra $100-$500 per month. Sell items on Craigslist, ask for overtime at work, get a night job, or start recycling. Just figure out a way that you can make an extra 10% more per month. That’s the key.




We Made a Stupid Simple Budget

I hate spreadsheets. I’m a creative and I lack a functioning analytical portion of my brain. So I made a stupid simple budget in Word that had a few sections organized by month. How much money we made, how much each bill was, how much we had left over (if any), and how much of what we had left over, would be saved or spent. That was it. And it all fit on one page. It was this document that helped us realize how much “free money” we really had and it also informed us if “going out” was really worth it.


We Went on a Debt Slashing Rampage

Personally, we decided to slaughter our debt. When we got married in February of 2010 we had $28,000 in debt. A mix of the IRS, credit cards, and car payments. So instead of eating out, buying new clothes, or having gym memberships we decided to double down on all payments toward debt. It was brutal. Our life sucked. But 20 months later and thanks to that extra 10% of income, we paid it off completely. Boomshakalaka!