You're feeling stuck.
Stuck in the hamster wheel.
Stuck with having almost no money left at the end of the month.
Or worse, no money at all.
It's not how you thought it would be to have a family. You're spending so much time at work just to be able to pay the bills and other necessary things. Your family, well, that's secondary in this kind of life and you barely see them.
There are so many families like yours out there. Families that struggle to make ends meet. Every. Single. Month. It's tough and it sucks.
You're here because you're tired of it. You're tired of the same old story every month. Tired of feeling overwhelmed by costs and not having enough to do something you want. Not only things you have to do.
You're here because you want to make a change in your family's life. You don't want your children to grow up feeling like they're lacking things or money. Ok, they can't have everything, but you want them to have a good life.
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Listen, I know you're hurting when it comes to money. I don't want you to feel that way. Money is a serious matter, but it should also be fun. Like other important parts of life.
There are other ways than the life you and your family live now.
Let's work on breaking the paycheck to paycheck cycle together. Let's focus on making you master your family's money.
That's what I'm here for.
But I will, as Morpheus tells Neo in the movie The Matrix, only show you the way. You are the one who will do all the work. That was rather paraphrased. My apologies.
What I mean is that I will give you tools that I know you can use to change how your situation is, but you will have to use them.
I will do my darn best to help you master your family's money.
This is the part where I usually warn people. Learning to manage your money is a journey. There's no quick fix. No magic bullet. If there is and you find it though, you better tell me, ok?
I don't want to discourage you now that you're here. But I want you to look at this in a realistic way. You have real work to do, but it will be worth it.
As a tour guide or something like that, on your journey, I will take you through the very basic things. Later, we'll move to more advanced things. All at your own pace.
We'll go through how to budget and all those things that people find so very, freaking boring. (I don't. I love it. But I'm most likely broken.) We'll lay a foundation to your castle.
I need to stop switching analogies. Is it a journey or a castle? Ok, the journey leads to the castle... where you will live. In time. Speaking in a metaphorical sense, of course.
Funny thing. In most families, it seems it's the woman - the mother - who takes care of the family money. The one who runs the budget and makes the meal plans. Is that the case in your family too?
If that's the case, don't lynch me. I'm the man (that sounds bad)... I'm the guy in the family. The father.
Years ago I found out that I freaking love personal finances. And I love telling people what I learn.
Don't laugh, ok? I love telling people about what I learn. But you know what? People are very picky about what they listen to when it comes to money.
I started this blog because I know I can teach people what I've learned. But I want to tell people who actually want to hear what I have to say. Or write.
Let me make something clear right away. I'm not an expert in this field. I'm learning as I go. Remember how I said that this is a journey. Well, our family is only a bit further ahead in our journey than yours.
But that's all it takes, right? We only need to be a couple of years ahead to tell you what works for us, and what doesn't. So we're teaching by doing.
I told you that I love personal finances already. And it's for a reason. Get your tissues, it's time for the sob story.
Let's rewind to my youth. I sucked at handling my money. I was irresponsible and wasteful. In short, I was young and unaware. A few years later I was on social welfare.
If you've never been in that situation, let me tell you that it's not fun. It's the total opposite of fun. I was lucky. For me, it was only a couple of months before I could get out of social welfare though.
Out of social welfare and into student loans. Student loans suck, but not as much as social welfare. I'm still paying off student loans. But getting into school and getting money, instead of what felt like begging for them, was a big step up.
Sorry, got sidetracked a bit. When I was on social welfare I decided I would never feel that low again. I felt useless, like I had no value in society except for asking for help to handle my own expenses.
I started reading on how to take care of my money. When I got into school, I could start saving money. Not a lot, but enough to build a small pillow. A few months worth of expenses. An emergency fund, if you will.
It took months to figure out how to budget and to make a system that worked for me. I was alone back then. No wife or family.
Once my wife and family got started, we took my knowledge about personal finances and put them to use for us. As a family. It became family finances instead.
If you can relate to any of the things I write above, you will find value in this blog. Life is busy and you might have found me by chance. So before our busy lives steal you away and you lose track of me, let's connect.
Sign up for my newsletter and I'll talk to you about this stuff, money. Talk to someone who wants to listen.
I'm on social media too. You can click any of the icons below to connect with me there. You can also email me on the address anders[at]masteryourfamilymoney.com.
I'm looking forward to getting to know you and to talk about what I've learned so far. And what I will learn.
Oh, by the way. I'm Anders. It's nice to meet you!