7 Habits of Highly Frugal People (2)

Habit Two: Begin with (the) End in Mind

Those who are effective in achieving their goals are able to envisage their end result despite (the) obstacles. Highly effective people adhere to this habit based on (the) principle that all things are created twice, there is (the) first mental creation and then (the) second physical creation, and (the) physical creation follows (the) mental creation in (the) same way as (the) building follows its blueprints.

If you don’t visualize what you want out of life then you are at risk of other people and external circumstances influencing your life because you are not influencing it yourself. Instead begin every day and every task with ( a ) clear vision of where you want to go and how you’re going to get there and make that vision ( a ) reality with your proactive skills from habit one.


How to visualize effective frugality:

* Define your goal. There are many ways to live ( a ) frugal lifestyle and you need to decide on how frugal you want to be. Do you want to be debt free, do you want to build ( a ) savings account balance of ( a ) certain value or do you want to be able to live on one income in ( a ) two income household?

* Decide how you’re going to get there. This will again draw on your budget, but you also need to be aware of (the) obstacles which are standing in your way. These may be literal obstacles such as credit card debts, or they may be obstacles you have identified in your behavior; for example are you spending $10 every day on junk food on your way home from work because you’re starving when you could be packing ( a ) two dollar muesli bar or ( a ) low GI lunch to keep you going until dinner. Or do you find that when you go shopping with your sister she always helps you justify ( a ) frivolous purchase when you could leave your credit card at home.