What is this blog all about

As you propably already guessed I am a single woman. I have a degree in business and I am making an average salary. I am not making a ton of money but enough to have a steady income. But instead of having a nice emergency fund and some savings, I don't. I know better than that so why on earth am I not being smart with my money?
As I said, I know how to manage money. I know my numbers and I understand that in order to accumulate financial security I should be spending less than is coming in. But somehow, the amount I am spending seems to equal my income, no matter how much or little my income is.. I need to figure out why I am sabotaging my own life and what I need to do differently. I've known this for a while know, yet nothing has changed so far. By having this blog I hope I will be forced to be honest to myself and to really start doing something about it.
My goal is to become wealthy, financially secure. To be more exact my goal is to be wealthy enough not be dependent of my 9 to 5 job for the rest of my life. To simplify, I have divided my goal into steps:

1. stop making debt
2. have an emergency fund
3. pay off high interest debts
4. start investing

And how am I going to do this?

1. cut down expenses
2. get more income
3. save money
4. invest
5. reinvest

Easy right? Just spend less than I make. So why haven't I been doing this before? Have you been using your money wisely? Weather you have or not, please leave a comment. All ideas are welcome!

The Rich dad

Now who wouldn't want to have one, so check this out. I stumbled across this website and ended up spending there hours.. The Rich Dad has a Power Pack that requires registration, but is absolutely free (no affiliate marketing here). And it really is worth registering for. There are a lot of good advise and what I especially loved are the tools for figuring out your finances. I literally spent hours there figuring out where I am and what I should be doing.
The man behind is Robert T. Kiyosaki. Well, actually according their biographs, there's a huge team of experts at The Rich Dad Company. But according to the Robert's biography, it all started from the bestseller Rich Dad Poor Dad, a personal finance book. Check it out, and please leave a comment!

“The poor and the middle class
work for money. The rich have
their money work for them.”

- The Rich Dad -

Dress for success

I was just recently watching one of these very popular reality shows. The season was just starting and each team was asked to vote for a leader based barely on their appearance. They didn't even know each others names yet. No suprise that both teams voted for the strongest and smartest looking man to be their leader.
Think about it. If someone who doesn't know you would be describing you, what would they say? How would they evaluate you? How would you want them to perceive you? If you want to you can ask your family and friends, but remember that they already know you pretty well, so they look at you differently than someone who meets you for the first time.
So think about what you are saying by your appearance, clothing and manners.
I definately think that you should spend a good deal of money to buy quality shoes and quality clothing. Not only to look smart but to feel confident! Buy a pair of good quality timeless shoes that go with almost anything and you never have to be aware of you achy feet or shabby shoes in an important meeting and you can focus on what is really important. The same goes for a couple of smart suits (or other clothing, if you're working on another industry), socks, jewellery, watch and most importantly underwear!
Also get a low haircut that is easy to maintain, short or long, it's up to you, but keep it so that it doesn't steal the attention even if grows out a little and if there's a rainy day and no umbrella..
Ask yourself do you feel like the person you want to be? Do others see you as you would want them to see you? A good quality basic wardrope can make a world of difference to your confidence and your appearance, but go with it as you can afford it. The first suit and a pair of shoes you should buy no matter what. Buy them with your first salary or even use your credit card if you must, but the rest you should save for first! Buying good quality clothing is definately an investment on your self and your career, but you never ever invest on high interest credit such as credit cards or other loans as such!