By Joan Baker
A truly sensible, common advisor to funding making plans written particularly for girls.
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Extra info for A Man Is Not a Financial Plan: Investing for wealth and independence
Many of the women I have worked with say it took them weeks to get a handle on what they spent in each area. Mostly they report being shocked at the amounts that are slipping through unnoticed! So don’t be discouraged in the initial stages. Stay motivated and focussed. I have no interest in admonishing you to turn down the thermostat, to limit shower times, or to encourage you to avoid takeaways, to walk to work, to grow your own vegetables or offering any other money-saving strategies. This budgeting exercise is about you deciding: 1 what must be spent on necessities 2 what you’ll spend on leisure, holidays, entertainment 3 what surplus you’ll be able to invest.
Passive income can only come from capital, and so you have to grow your capital (your wealth) so that you can get plenty of passive income. Capitalism is the name of the game. Women who have high income, especially when it is from a job, give every appearance of being rich, but they may have no wealth. I have encountered many women, both single and partnered, who had very high incomes but who owned almost nothing. In other words, they took their high salaries and consumed them rather than using them to acquire assets that would give them further income and make them wealthier.
However, do not own a nice car because that is what others expect. Indulge yourself with things that make you happy, not which are designed to make you look good. This is a great time to revisit your dream and vision for the future. Many of the things we spend money on do not take us in the direction of our dreams; in fact they take us away. It is much easier to bypass the 40 A man Financial Plan PGS 2/7/07 11:09 AM Page 41 Creating wealth through investment temptation of ‘mindless’ expenditure if you are clear about what you really want—you can distinguish easily between the ‘big things’ that matter, and the trivia that does not.
A Man Is Not a Financial Plan: Investing for wealth and independence by Joan Baker
Categories: Personal Finance