Most people go around in circles when it comes to their financial life. They are unable to crack the code that will make them financially successful. They are frantically seeking out right secondary source of income; they are busy searching for the financial right products which could give the highest returns in the short term that will help them achieve financial freedom; they are in search of new jobs and explore new means sources of income. When people realize or rather are confronted with the fact that their actions suggests that they don’t really want to succeed in their financial life, they get very depressed. They blame the agents, they blame their circumstances; they blame others for not having the right level of financial literacy; they blame to government financial policies or general budget. They start believing that there is something wrong with their financial life and ultimately then, as fate would have it.


Myths about money 

But there is nothing wrong with them. Your financial life is driven by your beliefs more than your commitments. It is important to see what beliefs, thoughts and feelings are dictating your financial life and how you can change them so that you get fully aligned to the financial life you desire. 

The fact is that most of what you believe about money is not true. Some beliefs got downloaded from your parents, some from family, some from friends or colleagues and some from the society you live in. You feel trapped. 

You need to realize that your un-serving money beliefs block your financial success. When you were growing up, your stories and beliefs about money were also growing up with you. You heard a number of times from your elders that money doesn’t grow on trees. You heard it takes money to make money. You heard that money is the root of all evil. You heard that money is power. You heard that time is money. You heard that beggars have no choice. You heard that more money equals more problems.
That’s all you heard and saw about money all your life. All that they need to do is stop complaining and tune into new beliefs about money. It’s time to you to step forward and question these beliefs. It’s time to de-program your beliefs. It’s time to re-programme your beliefs and then really get into massive action. Anyone can do it. 

Building wealth requires a passion and a strong personal commitment. Wealth is created brick by brick, just as plant grows inch by inch. That’s how investments grow in your life. This will ensure financial success. 

If you don’t like the way things are in your financial life, change them! You’re not a tree. Yes you can take action; you can change your direction; you can bring a shift in your financial life. Many people have done it and it is possible. 


“Want To” Attitude 

An old proverb says “You cannot change anything unless you change yourself”. Any day you can wish to take charge of your financial life and change it. You can elevate the levels by shifting gears. Any day you wish to you can open a new book or get on personal finance blog that will open your mind to new financial knowledge and insight. This becomes possible when you having a strong “WANT TO” attitude towards financial life– that little extra passion.
I always suggest that before they start working on their financial life, they must have strong “want to” in their personal finance. This is simple, yet most people overlook this simple fact. They have put all the correct ingredients into their dish called “financial life” but a small pinch of salt is missing; and that’s right “want to”. 

Let’s begin with “want to” attitude and it becomes possible when you bring about change in the choices you make that impact the financial results in your life. Any day you wish to, you can start taking action on your finances. Any day you wish to, you can start the process of change. You can either do it immediately or wait for the right time or the right moment or after you handle a few emergencies or after you have the right bank balance. It’s an important CHOICE you make.
Your choices can make or break your financial results. You can sit with a financial planner and map out your financial year… which properties to buy, which ones to sell, what investments to make. This can bring a new momentum to your financial life. Now, on the other hand, you can also choose to do nothing about your financial life. You can choose to stay busy with your routine life and let it move and take shape on its own. You are 100% responsible for all your current financial circumstances.You have created these by your own choices. Reading this article is a choice you have made. If the idea of bringing a change in your financial life is uncomfortable or sounds like too much of work, you can remain the way you are, with respect to your personal finance, waiting for your starts to change their position, waiting to get into take-off mode in your financial life.


The choice yours to make. “The fault is not in the stars…but the choice you make”. 

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Suresh Kumar Narula

SEBI Investment Advisor, Founder & Principal Financial Planner at Prudent Financial Planners
Suresh K Narula is founder and Principal Financial Planner at Prudent Financial Planners. He has earned the professional CERITIFIED FINANCIAL PLANNER and got registered with SEBI as Investment Advisor. He writes on personal and financial planning articles and got published in Dainik Bhaskar, Business Bhaskar and The Financial Planner's Guild, India. He is also a member of Financial Planner's Guild India ( An association of practicing SEBI registered Investment advisers) to create awareness about Financial Planning in general public, promote professional excellence and ensure high quality practice standards. Suresh received his an M.com from Himachal Pardesh University and an MFC from Punjab University, Chandigarh. He can be reached at info@prudentfp.in
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