There are many types of attitudes to money. Knowing what your attitudes are can make all the difference between a poor life and a prosperous one. It can be described as the poor versus prosperous mindset.
We develop our attitude to money in part from our parents, the way we were brought up, and the messages about money that surround us. Living in a consumer society in the West can lead us to think it is okay to want to “have it all,” but there are many things money can’t buy.
Spend versus Save
Consumerism can lead people to have a spend versus save mentality which causes them to live from paycheck to paycheck – or even worse, run up large credit card debt. Are you a spender? And if so, are you an emotional spender?
Do you buy something because you envy the fact that your friend has it, even though you can’t afford it? Do you treat shopping as entertainment, and go to the mall or turn on a shopping channel on TV for fun? Spending can be a bad habit, but until you get to the emotional root of what is causing your consumerism, you will never be able to switch to savings.
Poor versus Prosperous
Most of us say we would love to earn more money, but how many of us actually do something about it? Here’s an example of poor versus prosperous thinking that can illustrate this issue.
Peter has a job but complains he doesn’t have enough money. He lives in a good area, but always complains about the neighbors. He’s annoyed at all the front yards aren’t well-kept.
Robert lives in the same neighborhood. He works full time too, but wants more. He is eager for a financially secure life. He notices the lawns, too.
Peter’s friend, Sam, is disabled and tells him, “I wish I could mow my lawn and trim the shrubs, but I’m physically unable to. Maybe you could help me and the others in the area so the neighborhood will start to look the way you like. I’ll pay you cash each week.”
Peter complains, “It will cost too much and take up too much of my time off,” so he refuses.
Sam asks Robert. Robert not only says yes; he starts to think bigger. “I think there are more people like Sam in the area who can’t do their own yards and would love some help at an affordable price. I bet there are elderly people and busy single moms too who need some help with their yards.
“If I used my mower, and invested in a few other tools, I bet I could make at least $100 a week helping them. That would be more than $5000 a year extra and not take up more than a few hours of my time. I’ll make a flyer and post it through people’s mailboxes, and see how much interest I get.”
Peter is showing a poor attitude in every sense of the word. Robert is showing a prosperous attitude, thinking in an entrepreneurial way about how to make the most of the equipment and gardening supplies he already has, or buys regularly.
Thinking Poor versus Rich
The poor are either trying to find a job, waiting to get a job or making an effort to keep hold of a job. J.O.B = Just Over Broke. The prosperous are willing to work extra to grow their wealth. They have confidence in their own abilities/skills and are not too proud to ask others for help, even as they offer to help others.
If you’re feeling stuck financially, there are many ways these days to find freelance or service-based work to increase your prosperity. It’s simply a question of attitude.
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