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Global Grind’s financial coach, Lynn Richardson, wants to help you make 2012 better than 2011 by helping you learn how to change your money mind: 

If you want to change your money, you must change your mind, because more money will never solve a money problem; if it could, millionaires wouldn’t go bankrupt. Without proper knowledge, more money will simply make you more of what you already are: more likely to keep trying to keep up with the Jones’ and/or more likely to create bigger bills and bigger problems. Let me prove it to you: Have you ever gotten a raise, then found yourself with LESS money? Well, if you get a raise and then you raise your expenses to go along with it, then you will never have more money to build wealth, you will simply have more bills and more financial bondage! In step one, you learned that the way accumulate more wealth is to spend less money WHILE you are earning more money. Now, let’s focus on how saving helps you accomplish your goals. 

Step Two

Some studies report that there have been more millionaires made in this economy than at any other time in the history of the world because the savers of the world were consistently saving and investing enough money to take advantage of times when assets like stock and real estate were available for historically low prices. Previously, I instructed you to try living by the 10-10-30-50 rule, and I shared that the first 10 percent of each check is for giving.  Well, the next 10 percent is for saving. The money that you intend to save should not be easily accessible to you, and it should be placed in a separate account away from your regular everyday spending.  

RushGoals will help you stay on track with your vacation savings, holiday savings, and other types of savings goals by allowing you to move funds from your RushCard to a separate FDIC insured account in order to ensure that you don’t “accidentally” use the funds for something else. Change your money mind by saving and remember that “a penny saved truly is a penny earned.”  

Spread the word to others and stay tuned for Step 3:  Change Your Money Mind by Ending Your Spending Addiction.