Saving Whatever Is Left At The End Of The Month Usually Means Saving Nothing At All

The Day The Money Arrives, And The Weeks That Follow

The money arrives, and for a day or two there’s a pleasant sense of room. The bills go out first. After that come the things that seem reasonable at the time: a dinner out, a late-night order, something in a shop window that wasn’t on any list. Saving is part of the plan too, for whatever is left once the month is over.

By the last week there’s very little left, and the statement that would show where it went stays unopened. “Next month,” goes the promise, or “once I earn more.” When a pay rise does come, the spending tends to rise with it, and the end of the month looks much the same.

So the lesson most people take from it is that they need a bigger income, and the plan to save goes back to waiting for one.

(If payday isn’t how money arrives for you, the same pattern sits behind a client payment that’s spent before the next one comes, or a bonus that leaves nothing behind.)

“Wealthy people pay their future first. Whenever money comes into your life, your pay, a payment from a client or a gift, the first part goes to your future self.”

There’s also a moment on the track when a door opens across a quiet library and someone walks in to give you advice. Who it is comes further down this page.

The pattern has a simple cause. Spending is a string of small decisions, made one at a time, each with something real and pleasant in front of you. Saving is a single decision put off to the end of the month, made for a future that feels far away and vague. In each of those moments the present wins, so nobody ever chooses to save nothing. It happens one reasonable purchase at a time.

Earning more leaves that order exactly as it was, which is why a pay rise so often disappears as quickly as the old salary did. The money still goes to today first, and the future still waits for the leftovers.

Call it the Leftover Plan: spend first, then save whatever survives. Sensible, hard-working people fall into it because covering today first feels responsible, so an empty account at the end of the month says very little about anyone’s character. Wealthy people simply run the order the other way around, and that order can be learned.

From $80,000 In Debt And Living Out Of His Office To Self-Made Multimillionaire

Steve lost his mother at an early age and grew up with his father, who battled alcohol abuse.

Later in life he went through a lot of career detours and failed business ventures, and he soon found himself $80,000 in credit card debt. Financial institutions and collection agencies were beating down on his door. He held on as long as he could, until he was evicted from his own place and had to live out of his office, which he was about to lose as well.

Think about what getting up for work looks like when the office is also where you live, and you know it’s about to go too. That was where things turned for Steve. He discovered a way to reprogram his mind to attract everything he needed, and to put systems in place that got his life back on track.

He used a combination of Neuro-Linguistic Programming (NLP) techniques and a specific framework for happiness and success, and from it he developed the Dream Life Mastery program for getting the results he wanted.

Today he’s a licensed Clinical Hypnotherapist and a self-made multimillionaire who manages 22 training certification programs in hypnosis and NLP.

Steve’s turnaround began inside his own head, when he found a new way to use his mind. Mindset of the Rich starts in the same place, with the way you think about money, and builds the long view into one track you can play every day.

Linda Abramson wrote this about Steve’s work in general:

“open a new door to a new path”

I would highly recommend you and your site to anyone who is fed up with the way things are now, this minute, and want to open a new door to a new path. Thank you from the bottom of my heart.

Steve Has Practiced Hypnotherapy And NLP Since The 1980s

Dr. Steve G. Jones is a licensed Clinical Hypnotherapist and self-made multimillionaire who developed the Dream Life Mastery Program to help other people reach their goals and make incredible breakthroughs in their own lives.

• Life and business coach to top Hollywood directors, sports stars and CEOs.
• President of the American Alliance of Hypnotists and of the American Union of NLP.
• Member of the American Board of Hypnotherapy and the National Guild of Hypnotists, and an associate member of the American Psychological Association.
• Four degrees: a B.A. in Psychology from the University of Florida (1994), an M.Ed. from Armstrong Atlantic State University (2007), and an Ed.S. (2009) and Ed.D. (2013) from Georgia Southern University.

“Over the years, I’ve worked with many clients one on one. Many of whom have gone on to achieve phenomenal success.”

Knowing What To Do With Money Is Rarely What Holds Anyone Back

Plenty of people have read the articles, downloaded a budgeting app and promised themselves that this month will be different. Most of them could explain exactly what they ought to do with their pay.

That knowledge is aimed at the thinking mind, and it’s good knowledge. The trouble comes at the checkout, when something you want is right in front of you and the future feels far away. In that moment, knowing better rarely wins.

Mindset of the Rich works on that moment and the habits around it: the slow breath, the night’s pause and the question Steve gives you for the next morning, “Do I still want this, more than I want what this money could become?”

How Many Hours A Year Go On Browsing For Things You Hadn’t Planned To Buy?

These numbers count only the time spent on shopping sites, adverts and shop windows, so leave the money itself out of it for now.

Every one of those minutes is a chance for an unplanned purchase, and each purchase is money that could have gone to your future first. The night’s pause on the track is built for exactly that moment.

Change the numbers until they look like your own week. The tally keeps growing for as long as the Leftover Plan stays in charge.

Six Habits Of Thought That Mindset of the Rich Builds

Each one is a habit wealthy people rely on, and between them they answer all five of the habits above.

When It Arrives, What It Plays On And How The Refund Works