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I was talking to a friend of mine the other day. Her is name is Jean and I asked her some questions about money. I asked how was her savings account building? Because we were talking about money at the time, she said to me, “I’m poor, I don’t have enough to put money into savings.”

Hmm, I thought about it and here is a woman who has a good job, drives a nice car and lives in a great house. But yet, she thinks that she is poor.

So I thought about it and I wondered, how many people in this world, who have great cars and nice home, and all the wealth they need and still think that they are poor….

Then I started thinking to myself, how do I see myself. Am I rich or am I poor?

Many of us are trained to think in one level and that is being poor. Our definition of being rich is having a big house, big car, and big things. But then you have to think; there are many levels of being rich. You must seek out your definition of being rich. 

We saw our parents, brothers and sisters, aunts and uncles struggling to make ends meet but yet because of the level of thinking about themselves they keep thinking that they are poor.

So if you keep thinking that you are poor. You will keep that mindset and you will become what you think. You can work hard, get a great job, find that right companion, and see the greatest things that you want but it will not be worth it if you keep thinking that you are poor and you will never come out of what you are working for to make a better life.

But if you start thinking rich, then you are rich. You will seek a higher level of yourself, you will get it right, you will get that job, you will get out of debt, find that great place to live, eat the right foods, take care of yourself in many levels that you will become rich in yourself and other.    

Being poor is only a mindset and being rich is also a mindset. What you think is what you will get.

My money becomes stronger and more full when I change my mind to the right things and believe I can have it all. My debt becomes clearer when I see that I can come out of what I’m in. My workload becomes more of it because I see that I can do it. I get the food I want when I know I can eat right for myself. My home life is better because I can see that I can own it and have it.

Remember you control your life and what is around you. Do you want to think rich or do you want to think poor? It’s up to you. 

I’ve gotten several email message and phones calls from people wanting to talk about debt. But then one interesting phone call came to me and I was asked. What is debt?

I thought of the question and tried to find a real good answer and this is what I said. “Debt is a way of over extending your spending before you receive money.” The person on the other side of the phone call was happy with the answer but then after I hung up. I started thinking about the question again.

We live, work and play in a society that except us to have everything today. Not yesterday, not tomorrow, but today and because of that we over extend ourselves. We have to have the best, the latest, the newest and grandest before anyone else. We have to show off, be better and be first.

Because of that thinking, we get ourselves in debt. We just have to…

But you must go deeper in your thinking. Is it worth it? Is being in debt worth all the glorified items in your life? Making payment, after payment and after payment for that item to please others or be first or just to have it.

I have to remind everyone that debt is not necessary in your life. It is not that important. You take debt out of your life and your stress level will go down a lot and I do mean a lot. Yes, I do understand that you have to have a car or a home or the clothes that you wear. But anything beyond that is not really necessary.

You must and work hard to get out of debt, no matter at what price. You must change your thinking and live within your means without getting into debt. Don’t worry, that sale will happen again in the future. That lamp, you will find it cheaper somewhere else. Life will go on without you even having to buy that product with a credit card.

I work with cash. If I don’t have the money, that means, I don’t need it. If I want a big ticketed item, I save. I never put it on credit and I don’t buy anything with credit. Yes, I do have a car loan but I double the car payment to get out of that debt faster, as fast as I can. But if I had credit card payment, I would not be able to do that. Can you?

But you must remember, Is it worth it?