Maintain an Abundance Mindset blog post title image

Maintain an Abundance Mindset Amid the Scarcity

Maintain an Abundance Mindset blog post title image

An abundance mindset creates more abundance. So why do so many people only see scarcity?

We discussed abundance and scarcity on The BIGG Success Show today. Here’s a summary of that discussion.

This show was inspired by an article on Forbes by Ginger Dean, founder of Girls Just Wanna Have Funds. We talked about how your mindset affects your money, your career, and your life.

We write this as a reminder to ourselves. We hope it helps you as well.

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You Can Be Debt Free with These 5 Steps

By Bigg Success Staff

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It’s funny how many people loathe the thought of renting because “it’s just throwing money away”. Yet those same people think nothing of paying hundreds or thousands of dollars in interest on debt (i.e. “rent” money). Debt costs you money that could be spent elsewhere for something more important or more fun.

Too much debt can also cost you time – juggling bills, answering collection calls, and the like. But there’s still a higher price for excessive debt. It creates stress and worry. Your health may suffer as well.

So getting out of debt is a worthy goal. Here are five steps to do it:

Step 1: Stop adding to it

As long as you’re adding to your debt, you’ll never be financially free. So make a point to pay for everything you buy. If you can’t pay for it when you buy it, don’t buy it.

Step 2: Find a reserve

Now, you just have to go one step further and things can really start going your way. Spend a little bit less than you make every month. We have a great thought-starter on how to do it called 860 63 Moves to Stop Living Paycheck to Paycheck].

This little bit of money is like a tiny snowball at the top of the hill. It will start rolling down the hill and get bigger and bigger. That is, this little bit of money you’re saving each month is going to set you free from the burdens of living with a lot of debt. 

Step 3: Pick either your highest cost or your lowest balance liability

Next, look at what you owe. Pick either the debt that’s costing you the most money (i.e. the debt with the highest interest rate) or the outstanding account you have with the smallest balance.

The first one (the highest interest rate) is the best move for you financially, as long as you follow through on your plan to pay off your debt. But the second one may work better for you because it delivers the quickest psychological rewards, so you’re more likely to stick with your plan. The key thing is to pick a strategy and go for it.

Step 4: Use your reserve

Now you’re going to take that reserve from Step 2 and apply it to the account you picked in Step 3, along with your regular payment. Keep going until that account is paid off. The snowball is starting to get bigger now!

Step 5: Double down and repeat

You’ve paid off one account. Now take all the money you were paying on that account, including the reserve from Step 2, and apply it to the regular payment on another account. Keep doing this until you’ve got all your debt paid off!


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63 Moves to Stop Living from Paycheck to Paycheck

By Bigg Success Staff

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You can find a lot of articles on the web that give you the steps to stop living from paycheck to paycheck. We thought we’d change it up a bit and offer some specific moves you can take to have money left from your last paycheck when your next paycheck arrives.

So here we go:

1. Pack a lunch.
Stop eating out.

2. Take public transportation.

3. Carpool.

4. Buy a digital programmable thermostat. Set it to a higher (summer) or lower (winter) temperature when you’re away.

5. Get a second job.

6. Start a side business.

7. Sell stuff you don’t need anymore. e-bay comes to mind.

8. Have a garage sale. If you don’t have a garage, have a yard sale.

9. Get out of debt.
Interest is better earned than paid.

10. Turn your thermostat up (summer) or down (winter).

11. Accelerate slowly when you drive. Brake deliberately when stopping.

12. Turn off the light when you walk out of a room.

13. Replace all your light bulbs with energy-efficient compact fluorescent bulbs.

14. Trade in your gas guzzler for a fuel-efficient car.

15. Don’t buy anything that you can’t pay for with cash.

16. Use coupons.

17. Shop sales.

18. Buy your clothes at a consignment shop.

19. Pay your bills online.

20. Have your paycheck direct deposited.

21. Make sure your home is properly insulated.

22. Replace your windows with highly energy-efficient ones.

23. Replace inefficient appliances.

24. Insulate your water heater, if you have an older model.

25. Check your plumbing for leaks.

26. Turn off the TV.
Reading is cheaper.

27. Buy used, rather than new.

28. Go to bars that offer free happy hour food.
It’s dinner for the price of a drink.

29. Cut back on your retirement plan contributions. Beware! This should only be a short-term strategy.

30. Turn off your air conditioner and open the windows.

31. Never go shopping anywhere without a list.
Resist the temptation to buy anything that’s not on your list.

32. Buy generic or off-brands rather than name brands.

33. Put yourself on an allowance for discretionary purchases. When you’re out of cash, you’re done spending.

34. Get organized. A lot of people pay late fees because the bill gets lost in a mess.

35. Sell your house and buy a smaller one.

36. Shop for insurance.

37. Raise the deductibles on your insurance.

38. Cook more at home.
Eat out less and buy less pre-prepared food.

39. Pull the plug on your appliances and electronic items when you’re not using them. Many of them continue using power even when turned off.

39. Service your furnace and air conditioner every year.

40. Wash your clothes in cold water.

41. Weatherstrip your doors.

42. Get a low-flow shower head.

43. Only run the dishwasher when it’s full.

44. Install faucet aerators to use less water.

45. Consolidate your automobile and homeowner’s / renter’s insurance with one carrier.
They’ll usually give you a discount for doing so.

46. Shop online for gas. Prices can vary quite a bit in just a few blocks.

47. Get a gas credit card that gives you a rebate on purchases. (e.g. Discover Open Road card.)

48. Get a library card.
Don’t buy books, just check them out. Same with DVDs!

49. Time when you go to the movie or theater. Go to a matinee or a day of the week when they offer discounts.

50. Trade off babysitting with your friends, instead of each paying a babysitter.

51. Trade houses when you go on vacation.

52. House sit for your next vacation. It beats paying for lodging!

53. Know the discounts offered for members of clubs or associations to which you belong.  For example, your university alumni associations, AAA, etc.

54. Enjoy nature.

55. Go to the park for recreation.

56. Travel in the off-season.

57. Be flexible on your destination so you can buy at the last minute.

58. Stay close to home for your next vacation.

59. Bundle airfare and hotel.

60. Drive your car without air conditioning. 

61. Have your car serviced regularly. Deferring maintenance is expensive.

62. Pay your bills on time.

63. Shop for the best interest rate for your savings.

What works for you? Share your tactics for saving money by leaving a Comment.

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