As consumers we always look for short cuts, we are more interested in the wants than the needs. We are more focused on the short-term solution now, instead of focusing on planning. The credit providers know this, and they use bait marketing to entice us. We are more interested in image than being disciplined in our financial wellbeing. Car dealerships will always sell you a car that you cannot afford. You go into a car dealership with the frame of mind to buy a TT a Toyota Tazz but you drive out with Audi TT with 40% balloon payment due to a lack of discipline.

A few months go by, you get offered a credit card, then a loan, then a over draft and then another credit card to use to pay for the first credit card and loan and so the cycle continues. Then the depression sets in. You are now living on payday loans. You feel sorry for yourself and your best friend is a bottle of brandy.

BUT

You can change your life style by being disciplined. As the catch phrase of Mainstay “you can stay as you are or you can change” if your prepared to change go to Nike and “Just Do It”

You need to start by believing in yourself, you don’t need credit to survive, all you need to do is find different ways to make extra money. The question is how? Here are some simple tricks.


Sell your knowledge online

Create a You Tube Site

Do online marketing

Use Adsense


There are hundreds of other ways to make money without a lot of start up capital, all it needs is discipline. Discipline is one of the key elements of success in every area of life, without discipline there is no sustained achievement. With the lack of discipline there is no success. Your goals cannot be achieved without discipline. Dreams cannot become a reality without discipline. Most people will go for the easy option, but they don’t realize the easy option will lead to a harder life later. The disciplined person will work hard now and have an easy life later.

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