You're Never Too Young or Too Broke. R. Jones Ward

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      You're Never Too Young or Too Broke

      R. L. Ward

      Copyright © 2020 R. L. Ward

      All rights reserved

      First Edition

      NEWMAN SPRINGS PUBLISHING

      320 Broad Street

      Red Bank, NJ 07701

      First originally published by Newman Springs Publishing 2020

      ISBN 978-1-64531-874-3 (Paperback)

      ISBN 978-1-64531-875-0 (Digital)

      Printed in the United States of America

      Table of Contents

       Time for a Change!

       Age Has Its Privileges

       Become a Saving Addict

       Accounts

       Credit Cards

       Credit Karma

       Set Yearly Goals

       From One to One Hundred

       Getting to “Enough”

       Getting to “Enough”

      To my family and friends who love me without judgment.

      Even when you feel like a mouse, roar like a lion. People believe what you show them.

      —R. L. Ward

      Introduction

      Before beginning to give my thoughts, tips, and techniques related to the importance of microsaving and the pitfalls of not doing so, let me take a step back and be perfectly honest.

      In my younger years, I was the absolute worst about consistently putting money aside. Even when I did, I always had some reason to use it for another purpose rather than to grow my nest egg or save for a rainy day. It was clear to me that saving was necessary for all the obvious reasons, and yet my discipline to do so was lacking. Because of my inability to look beyond what my needs might be in the next year or so, I got myself into a tight spot more than a few times. It wasn’t that I didn’t make enough money or that my expenses were far more than I could handle (at least that wasn’t the case the majority of the time). There isn’t even a way I can blame it on not being schooled properly regarding the importance of putting away money for the unexpected emergency fund. It was simply my inability to see into my future and reconcile with the fact that saving a portion of what I made was necessary.

      Happily, I’m on a different and brighter path today. I’ve traded my bad habits, where money is concerned, for others that serve me better. I’m debt-free, recently paid off a six-year car loan in two and a half years and am setting a plan in motion to pay off my home before I retire. My life is beautiful, and yours can be too. Take control and never look back. Your future is not written, and you’re the author. Start a new chapter.

      Now let us begin.