Q: If I don’t have any money left over at the end of the month, can I still use the Income Snowball?
What we find is that a lot of people think they don’t have any extra cash flow because they aren’t seeing much in the bank at the end of the month. That’s not the best way to measure cash flow because, just as with most things, people tend to spend what they make (just as a gas fills up the
space it’s in or a task takes you as long as the time you’ve allocated to it).
Being a member of Tardus creates a paradigm shift for all those who apply our strategies. So for new members, they look at their finances the same way they always have and see what they’ve always seen. When coaches look at a new member’s finances, we see something very different in most cases.
Here’s just one example. Most people think of spending as spending. At Tardus, we see it in terms of cash flow and spending categories. There are periodic/occasional purchases and monthly purchases – those fall into their own categories and are fairly regular and somewhat predictable. Daily spending, however, is where most of the cash flow lives and THAT’S usually where people think they have no money when in fact, they have plenty!
In working with Tardus, we’ll help you learn to identify your spending habits in ways that cultivate and free up cash flow, most of the time with very little overall changes to your lifestyle. Knowledge is power. Redirecting spending in ways that get you closer to your goals not only helps you reach financial freedom, but it alleviates the constant worries that plague so many each and every month.