Money, without it we are not able to enjoy the necessities in life, let alone the luxuries. Loving shopping and fashion as much as I do, I always have a passion for finance and building wealth. By building true wealth you have to be a conscious spender, according to Ramit Sethi of Iwillteachyoutoberich.

Aside from being a frugal/savvy shopper, I am concerned about building my wealth for years to come. You hear all these fancy terms and ways you should spend but sometimes I love hearing the real-life scenarios that separate the Poor from the Wealthy.

I came across this great article, “10 Things Millionaires Won’t Tell You” and immediately a eagerness to see what the story was about. These are some very great points to adapt to your everyday life.

“You may think I’m rich, but I don’t.” Real millionaires understand that 1 or 2 million will not take them through the next 30 years.

“I shop at Wal-Mart . . .” Most millionaires how they got there was by buying smart and saving money by clipping coupons. Not shopping at what I like to call “Boutique Supermarkets”.

“. . . but I didn’t get rich by skimping on lattes.” Most millionaires,by statistics made their millionaires by being a entrepreneur, not skipping the Starbucks line.

“I have a concierge for everything.” Let’s worry about a concierge when you make you millions, average folks can’t afford that.

“You don’t get rich by being nice.” I agree with this 100%. Being nice will never get you to the top. You will have to say “no” and mean it. Walk away from things that are not profitable but at the end of the day always keep your integrity. Never burn any bridges but try to get to the top is a lonely road and lots of enemies will come.

“Taxes are for little people.” Plainly put millionaires under taxes and file under capital vs. middle class because middle class is taxed 15% more than capital gain.

“I was a B student.” Clearly states that the straight “A” student is mostly likely not going to be your boss nor business owner, so that means there is hope for me. YYYIIIPPPEEE!!!

“Like my Ferrari? It’s a rental.” They do not spend money on things that are not of true value. Why buy when you can rent?.

“Turns out money can buy happiness.” Research shows that wealth does bring happiness. Roughly 65% of millionaires say that money “created” more happiness for them.

“You worry about the Joneses — I worry about keeping up with the Trumps.” What more can I say to that.

So let me know what you think? Do you Agree or DisAgree? Let me know your thoughts?

Photo Source: Changeyouractions

SavvySugar is one of my favorite resources for helpful finance information. I came across an article that read “How To Save by Spending On Select Days“. The insight into this concept was great thinking. Spending wisely is very important, here are some suggestions on how to save by selection of a certain day.

1. Grocery Sales are determined by the day you are paid- Marketing is very strategic for when sales are offered to customers. They know that most people are paid at the beginning and the end of the month, and they gauge their promotions accordingly. Smart HUH? They know the consumers are likely to spend more at the beginning of the month.

Having a good wallet is very important. It keeps some your most valuable documentation. Over time they can become tattered and torn (I am speaking from experience, I need a new one like a month ago). A wallet is a expression of one’s personality. Some ladies prefer a more understated classic and others go for a cute yet affordable fashion wallet. I am surely the affordable fashion wallet type of girl, if you could not tell that already. But I have chosen a selection of stylish yet budget friendly wallets for every style.

For more details or to purchase, please click on the items below.

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Dining Out is America’s past time, at least I know it’s mine. Saving is key nowadays, so cutting back is key. By making some minor adjustments you will still be able to enjoy dining out while still watching the bank. According to FeedThePig here are some great tips on Dining on A Budget.

Photo Source: Healthwise.com

As I mentioned in Fashion Tip Monday, budgeting can help control the impulse buys. Money and Style go hand in hand. No Finances, No Fashion it’s that simple. Budget being the topic of conversation, I am going to share some tips and programs that will help make sense of your money.

Having to tighten up on our wallets are now the norm. Making conscious decisions on what we buy and how we spend has become a science. As women we have a chromosome within our body that is filled with the gene SPEND MONEY. It’s just in our nature. But we can control how much and where we spend.

Creating a budget, where do you start.

1. Paying the priorities are first. Expenses First, Luxury later.

2. After the main bills are taken care of, you can start to see what is left over and plan for your luxuries.

Listed below are some programs that are great to help budget and control finances.

• Mint – The free, automatic, online way to manage your money is here!
• ElectricCheckBook – The fast and easy way to manage your checking, savings or credit card accounts
• Money2Manage -Lets you easily and efficiently manage your personal finances
• WalletProof -Walletproof is a quick and easy to use tool that enables you to track your spending and set monthly budgets for yourself
• Buxfer – Track shared expenses, split bills, and debts. Transfer money online and settle IOUs with friends/roommates.
• Rudder – Rudder is the only product that looks forward and determines how much you can spend today and still pay all your bills.
• Obopay – Use any mobile phone to get, send, or spend money. Text message, use your phone’s Internet browser, or download Obopay onto your phone.
• TextHog – Track your expenses online. Text your way to the bank.

I hope this is a help and Happy Budgeting.