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Guest Post: Making Money When You’d Rather Be Surfing

Editor’s Note: This is a guest post by Thursday Bram, a rocking blogger that you should all get to know. You can follow her on twitter @thursdaybram

It’s true: money management can be a real yawn. Why add up numbers when you could be out surfing? But there’s a reason that money management (and all the painful details that go along with it) belong on a personal development blog. That’s because worrying about money —even if you’re looking at a beautiful ocean while doing it —makes life a little less fun.

Automatic Money Management Sucks a Little Less

If you’re really, truly familiar with your financial situation, you can make your money situation practically automatic. It does require a little extra work on the front end, but it’s worth it to get worries off your shoulders and make your life a whole lot easier in the future.

That means figuring out your current financial situation, from your bank statement to your credit history. Get all your documents together in one place (virtually is fine) and organize them. Keep them organized as well —spend a little time each week on your filing, virtual or not, and financial situations becomes a breeze. Tax time, landing a loan for a new business and other financial situations don’t have to be your whole life if you’re already organized.

From there, it’s a matter of setting up a system. For your productivity’s sake, make it as automatic as possible. Let your bank handle the nuts and bolts of paying your bills, while you get back to whatever you’d rather be doing.

The Hidden Benefits

Getting your finances straightened out now means more than guaranteeing more time for fun in the sun later on. That’s a nice perk —we’d certainly rather be on a beach right now than staring at our account statements —but it’s not the only one.

If you’ve got an automatic system to pay your bills in full and on time every month, your credit is going to improve. When you remove the chance for human error or simple forgetfulness, your financial situation can get a lot better and fast.

Most of us aren’t bad at personal finance. That’s like being bad at personal development —it just doesn’t work that way. But in both areas, we can get in our own way. If you look at things that way, it’s even true that being out surfing, rather than messing around with your finances, can be better for you in the long run. It just takes that work on the front end that we talked about.

 

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