Businesses exist to make money. This is the cornerstone of capitalism, which – for want of a better system – is what makes the world go round.
So banks will not lend you money for free. Your personal loans, your mortgage, your vehicle finance and your credit cards all cost you money in the form of interest.
Businesses who want to give you loans or open accounts for you are not doing it out of love. They are not your friends. You are too intelligent to fall for their tactics. So don’t.
And don’t fall for discounts. This includes Black Friday, emailed discount deals, and most store specials. If you were already planning to buy something, and you find it discounted, go ahead and buy it. An even better plan would be to deliberately wait until whatever it is goes on sale.
But if you were NOT already planning to buy something, the fact that it is on special means nothing to you. It will become an extra expense – costing you money – instead of saving you money by being discounted.
Ignore marketing and advertising. These people are paid to take cash from your pocket. Those sparkling images and pretty colours are evil. Close your eyes. Cover your ears. Don’t listen to the subliminal voices whispering at the back of your mind. You don’t need everything they say you do.
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Stop living from salary to salary. Achieve Financial Independence. Retire Early. Join the FIRE movement igniting the world.
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This is no get-rich-quick scheme. It won’t be easy. That’s why it’s called Hard Money.
Work while they sleep. Learn while they party. Save while they spend. Then live like they dream.
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