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    I Heart Money
    I Heart Money
    I Heart Money
    Ebook138 pages1 hour

    I Heart Money

    By David Campbell Lester

    ()

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    About this ebook

    I love money. I've always loved money. Loving my money has allowed me to start my own coaching business, buy my dream car for FREE, horseback ride every Thursday, travel more and spend time with the people in my life that I love. This book will teach you how to optimize everything from investing, borrowing, to everyday spending in order to maximize those funds to live your ultimate life!

    LanguageEnglish
    PublisherDavid Campbell Lester
    Release dateApr 25, 2019
    ISBN9780463136799
    I Heart Money
    Author

    David Campbell Lester

    Author and President of DCL Capital David Campbell Lester recently launched the United States version of his successful Canadian book I (Heart) Money. After seeing the tremendous response and countless success stories about lives being transformed as a result, Lester has decided it’s time to reach a broader audience. David’s fusion of humor, positive reinforcement, and tangible tips that work, make managing your finances something you love. He is now a personal finance writer and President of DCL Capital. Lester writes for his blog iheartmoney.ca that breaks with traditional attitudes towards finance and describes his own philosophy towards money and life that he has gained through his personal and professional experiences. His philosophy on money applies to many areas of everyday life including: banking, investing, goal setting, shopping, and entertainment. David is a repeat guest as a Financial Relationship Expert on FOX and CW6 San Diego as well at CTV in Canada.

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      Book preview

      I Heart Money - David Campbell Lester

      1

      Love Your Money

      Your relationship with money is one of the most important ones you will have in your life, and you should treat it like any other. You should always be respectful, thoughtful, and caring towards your money. You should take interest in its welfare. It should never be treated as a trophy or a dirty little secret. Be interested in your money. Where is it? What is it doing? What color of underwear is it wearing today?

      It starts with the way you carry your money. Do you keep it all bunched up in your pants or wallet? Do you go commando (not carry any at all because you are completely FinTech and App savvy!) I fold mine up neatly, the same side up, in a fancy money clip.

      Do you waste your money on little things? Do you make sure you get the correct change from a vendor? Do you make sure idle money is making the highest interest rate possible? Do you pick it up on the street if you see it, or walk an extra block to your bank to avoid the service fees charged when using another bank’s ATM? These may seem like small things, but they are all clear indications of how you view money. Simply put, people who respect their money end up with a whole lot more of it.

      Debt, on the other hand, is like a tawdry affair that can only harm your relationship with money. Sure, it may seem exciting to use credit to buy things you cannot afford, or things that you don’t even really want, but eventually the debt will catch up with you. That sweater you charged (that didn’t really fit but you bought anyway because it was on sale) may end up costing twice as much because you didn’t pay off the balance on your credit card.

      The basic idea of this book is that paying closer attention to money gets you closer to a better life. Every dollar saved on something that I didn’t really want, or need, can be contributed towards something that will truly make me happy. What makes you truly happy? It may be a bigger, better material thing, like a car, a tastier dinner with family, a more desirable vacation, or the security of a more comfortable retirement. Discretionary spending and saving can lead to a freer, more fulfilling, and happier life. A sweater that you never wear sitting at the back of your closet with the tags still on will not get you scuba diving around the Greek islands—but a dividend paying investment might!

      Simplify Your Financial Life

      In life we have a lot of pressures. They come at us via the sensational media, the constant bombardment of advertising that tugs at our insecurities, and from work peers, family, and friends. And then, of course, there are the expectations we place on ourselves. It can all be a bit overwhelming. Being cognizant of these pressures is the first step.

      The second step is to jettison as many non-essential parts of our lives as possible. As the French writer, Antoine de Saint Exupéry, writes, perfection is achieved, not when there is nothing more to add, but when there is nothing left to take away. A streamlined life is more manageable, less stressful, and happier. Harnessing those lost dollars spent frivolously can make a huge contribution to your retirement, or pay for a summer on the French Riviera.

      Think of driving your car. When driving, where you look is where the car heads. The same is true in life—where we keep our focus is the direction our lives go. If our concentration is divided among several areas, or bogged down by items that are not our primary focus, we will not move in the right direction. We will crash into the tree of distraction.

      Instead, we want to keep our sights on our primary objectives and this will help us achieve them more quickly. When we concentrate our energies on a defined set of objectives, like a to do list, we itemize what we need to achieve, and this makes it seem more doable than a vague list that can seem overwhelming. Purging our list of things that are of secondary importance helps us zone in and concentrate our efforts in a much more powerful and effective way.

      I want you to focus on your finances. To truly love something, you need to know it. You should know exactly how much money you have, how much you make, and how much you owe. Look at all your bills and statements. What are your monthly fixed costs, such as rent or insurance, and what are your variable costs, such as eating out? Now, what expenses can you easily live without? What can you take away? How much do you make and how can you make more? The goal is to have a simple financial life.

      Money is Power

      I like to think of money as a powerful tool that can help me do and buy all the things that I want. To provide for me the freedom to travel, a sense of achievement when I get better as an equestrian, the feeling of joy when I share amazing dinners with great friends and family. All the things that make me truly happy. It gives me personal power—and it will for you too.

      The most sensitive subject that my clients are hesitant to talk about is credit card debt. It is amazing to see how far people will go to avoid talking about it. If you do have credit card debt and it makes you cringe to think about the 18% interest accruing each month, imagine all of the relief and power you will gain back when the cards are paid off. Think what effect the cards have over you right now and how your power would all come flowing back when the debt is gone. What a release that would be!

      Power also comes from having a whack of cash in your account. Knowing that you could use the money to travel or support yourself if you lost your job. The money could really help someone out if they needed it or the money could get you out of a bad relationship if you were in one. Build up a large amount of cash and see how you start to feel. Knowing you have all that cash gives you options. And those options are a source of power.

      Be like the wealthy and harness the power of the almighty buck and thrive on that confidence!

      Autopilot

      Another way to simplify our financial lives is to make aspects of it automatic. People are creatures of habit. The most successful people connect their success to positive habits that they perform over and over again. One of the most famous and Original Gangster self-help books is Stephen Covey’s The 7 Habits of Highly Successful People. Actions that are done repeatedly are proven to have a substantial

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