{"id":573,"date":"2020-11-09T04:15:54","date_gmt":"2020-11-09T12:15:54","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=573"},"modified":"2023-11-10T10:16:46","modified_gmt":"2023-11-10T18:16:46","slug":"my-ten-commandments-of-personal-finance-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id573-my-ten-commandments-of-personal-finance-2.html","title":{"rendered":"The Ten Commandments of Personal Finance"},"content":{"rendered":"

\"\"<\/a>Maybe you heard about that infamous Kelton study<\/a> that found Americans could identify more ingredients in a Big Mac than the individual Ten Commandments.<\/p>\n

It’s true, folks; 80% of Americans knew there were two all-beef patties in a Big Mac — but just six in ten could identify “Thou shalt not kill” as one of the Ten Commandments. No, really.<\/p>\n

Unfortunately, my anecdotal research verifies the Kelton study.<\/p>\n

I know a Big Mac has two all-beef patties, special sauce, lettuce, cheese, pickles and onions — all on a sesame seed bun, no less — but I can only name eight of the Ten Commandments. (Don’t tell my third grade catechism teacher, Sister Nora.)<\/p>\n

I wonder if Sister Nora would feel better if I told her I can<\/em><\/strong> name my Ten Personal Finance Commandments.<\/p>\n

That’s right; in order to keep my life running as smoothly as possible, I faithfully follow these ten little nuggets of financial wisdom every day:<\/p>\n

1. Spend less than you earn.<\/strong><\/p>\n

It’s the first personal finance commandment for a reason: Those that follow it are destined for financial freedom. It helps to be a frugality disciple<\/a>. Remember, the word disciple<\/em> is derived from its root word “discipline.” There is a lesson there for those who are willing to take it.<\/p>\n

2. Behold the power of compounding growth.<\/strong><\/p>\n

The greatest lesson you can ever bestow upon your children is the power of compound growth<\/a>. True, the power is somewhat diminished in today’s upside-down financial environment of near-zero interest rates and lower investment returns, but working teenagers with the financial discipline to let their accrued savings grow over time still have a golden opportunity to set themselves up for life by making relatively smaller up-front contributions.<\/p>\n

3. Always pay thyself first.<\/strong><\/p>\n

Your creditors are not more important than you. The truth is, it’s a lot harder trying to save money from what’s left over after<\/em><\/strong> you’ve paid all the bills — which is why you should contribute to your retirement nest egg and emergency savings fund before<\/em><\/strong> you sit down to pay your first creditor every month.<\/p>\n

4. Faithfully track thy household income and expenses.<\/strong><\/p>\n

Trying to take control of your personal finances<\/a> without knowing how much money you’re earning — and where it’s all going — is tantamount to trying to drive with a blindfold around your eyes. Eventually, both practices end in disaster.<\/p>\n

5. Knoweth the difference between wants and needs.<\/strong><\/p>\n

Being able to distinguish between wants and needs is directly tied to your ability to accept personal responsibility. At the most basic level, all of us have but a handful of primary needs: food, water, clothing, shelter, healthcare, and — for most of us — transportation. Everything else, folks, is a want.<\/p>\n

6. Keep thy budget holy.<\/strong><\/p>\n

Budgets aren’t for everybody<\/a> — but they are essential for those who lack financial discipline. A budget is an important tool that helps control spending. It’s easy to make a budget — but they only work for those who agree to follow them.<\/p>\n

7. Thou shalt avoid paying interest.<\/strong><\/p>\n

If you can’t afford to fully pay for something you want, then you must save for it<\/a> — that includes a car. My only exceptions to this rule apply if you need a loan to buy a new home, start a new business or, in some cases, pay for higher education.<\/p>\n

8. Keepeth thy spouse involved in the financial decision process.<\/strong><\/p>\n

It’s absolutely critical that married couples keep their communication lines open<\/a> — especially when it comes to the household finances. Regularly assess and update your goals and progress, and be willing to compromise. Better yet, split up the financial duties; the Honeybee and I do. In fact, we work as a team and run our household like a business<\/a>.<\/p>\n

9. Blessed are those who knoweth a high income doesn’t beget financial freedom.<\/strong><\/p>\n

Financial freedom is a state of mind, as much as it is a state of being; so it can be achieved regardless of household income<\/a>. Those who understand that have a much easier time keeping their personal finances under control than those who don’t.<\/p>\n

10. Undertake thy chosen vocation for love, not money.<\/strong><\/p>\n

We achieve satisfaction at our vocation, whatever it may be, through a job well done; but for most people to be able to do this on a consistent basis, they have to love what they do. So do what you love and, if you’re patient, the money will eventually follow.<\/p>\n

Photo Credit: @jbtaylor<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Maybe you heard about that infamous Kelton study that found Americans could identify more ingredients in a Big Mac than the individual Ten Commandments. It’s true, folks; 80% of Americans knew there were two all-beef patties in a Big Mac — but just six in ten could identify “Thou shalt not kill” as one of […]<\/p>\n","protected":false},"author":1,"featured_media":34482,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[458],"tags":[],"class_list":{"0":"post-573","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-debt","8":"pmpro-has-access","9":"entry"},"yoast_head":"\nThe Ten Commandments of Personal Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id573-my-ten-commandments-of-personal-finance-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Ten Commandments of Personal Finance\" \/>\n<meta property=\"og:description\" content=\"Maybe you heard about that infamous Kelton study that found Americans could identify more ingredients in a Big Mac than the individual Ten Commandments. 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