\”There\’s nothing in the world so demoralizing as money.\”

Money is a tool of exchange, and when you simply don\’t have enough to accomplish the goals you want to achieve and acquire the things you want to have, it can be demoralizing. Many consumers have sat in front of their checkbooks, trying to figure out how to make ends meet and realizing that it\’s going to be extremely difficult, if not impossible, to pull off the goals they\’ve been dreaming about.

This is why it\’s so important to have strong underlying principles when it comes to your finances. The more you exert control over your little day-to-day actions, the more power you have to achieve the bigger things you want in life. It\’s much harder to become demoralized when you have a deep understanding of your underlying values. Stick to core principles such as spending less than you earn and knowing where every dollar you spend is going, and they will always guide you well.