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Daily we make little decisions that impact our future. Our parents warned us that the decisions we made in our past would directly affect our choices or lack of choices as adults.  In other words, there are consequences that we pay because of our past decisions. Unfortunately, our past decisions and choices can determine what we will reap or sow in the future. So how do our past financial choices impact where we are today? It's understanding that simple things matter. Those simple things may be choices, behaviors, habits, relationships, attitudes, or words. So how do all of this relate to money or our finances? Every day you have an opportunity to make small money decisions that can bring positive financial outcomes. Simple, wise, common sense decisions you make today prepare you for opportunities in the future.  There are some simple things you can do right now that can change your financial situation. Keep reading, and you will understand that it's the simple things that we do that make a difference and matter.

Plan – Each month plan how you will spend your incoming money.  Know exactly what you make. Write down every bill or expense that is due weekly, monthly, quarterly, and yearly.  Making a decision not to know your financial state is downright foolish, and can put you in financial ruin. Therefore, come up with a spending plan that tracks all incoming and outgoing money each month.

Track – Get receipts daily, and write down what you spend.  Eliminate debt by knowing what, where, and how you are spending.  Keep receipts in an envelope labeled by the month.  If you forget your receipt, write the date, item, and amount on a piece of paper and put it in the envelope.  Each month add up your receipts and see how you're spending your money. How can you save if you do not know what you make and spend?  

Save – Come up with short, mid, and long term goals for your savings.  Act as if the money doesn't exist. Do not touch it unless there is an extreme emergency.  Saving can be as simple as putting away $50 a month, which is $600 a year. It really is the simple habits that make a difference.

Give – "It is better to give than to receive." Whether you're giving your money, time, gifts, resources, or knowledge – you are sowing blessings.  Stop thinking that you don't have anything to give because your funds are limited or you don't believe you have a gift or talent.  Pray for guidance on how you can contribute and enrich an organization or life—daily, monthly and yearly.

Live on less – Just because you make it doesn't mean you have to spend it!  As your income grows, continue to live on less.  Pretend you didn't get that raise or bonus, and save and invest the extra money you earn.  Stop trying to keep up with your family, friends, and co-workers.  

Today's lesson: make life simple, pay attention, and live on less. It really is the simple things that matter!  

Sharman Lawson a columnist on Fabulously40, and a financial coach, speaker, and author of the book 12 Steps to Eliminate Debt Forever! Visit her website: [Link Removed]

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