About this Book

This book provides you an initial introduction to your personal financial management. Though the financial management, whether in personal or business area, may seem something complex that puts fear at first, the truth is that it can be, yes, understood by any person who, at least, be willing to learn more about proper use of the money. Unlike what many people think of, the financial management is so close to us that we use every day, and we do not realize its real matter in our lives.

Unfortunately, many people make the mistake of considering inconsequential their financial lives. The mere fact that they choose not to follow their finances is already a decisive factor for future lapses in this area. Manage personal or family budget, planning the financial life and seek the long awaited financial independence requires a change in posture, a change of attitude, a change of life. And change perspective requires taking actions and decisions that weren’t not used to doing before. It means get out of our comfort zone.

Believe me: “When we decided not to decide, we are choosing.” It means that when we take an attitude of not decide anything about our financial lives, we are passing on to others the power to decide for us. Do not fool yourself ! If a person does not take the decisions themselves to take care of your money and your future, other people, companies and institutions will do it for you, but in a not very beneficial way to your pocket.

It is very true that money never bought, doesn’t bring and will never bring happiness to someone and loving to it is the cause of many miseries. However, when to ignore it, we are allowing part of our lives at the mercy of chance when it actually doesn’t exist. What we received today is the result of what we planned yesterday. In other words, if we do not manage our money wisely, nobody will do it for us.

Loving money is a profound error. Ignore it also is.

I always hear people submitting comments like: “This month I’m pressed,” or “I can’t invest in it because I have debts to pay,” and so on. Actually, the history would be different if they had started differently. However, I always like to remember a public thought that says:
“Though no one can go back and make a new start, anyone can start now and make a new ending.”

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