Homeownership Guidance, Advice and Blogs

As the Director of Affiliate Relations at HomeFree-USA, I’ve always been fascinated with how people handle their money. Like everyone else, I’ve had my financial ups and downs. In fact, it took me 32 months to pay off $32,000 in credit card bills and build up a six-month emergency fund. While that was a very difficult period, I am grateful – and wiser -- for the experience.

Through my personal experiences and working at HomeFree-USA, I’ve gained a ton of insight that I feel compelled to share. You’ll find those lessons here. Feel free to take the thoughts and ideas that resonate with you most and put aside the rest for later. I look forward to sharing my journey.

The Four Agreements for Your Money

One of my all-time favorite books is The Four Agreements by don Miguel Ruiz. Primarily a spiritual book, the agreements are meant to be applied to all aspects of daily life, including how we handle money.

The following are a few ways to apply them to your current financial state:

1) Be Impeccable With Your Word. The book suggests that we avoid using words to speak against yourself or gossip about others. Translation: stop crying broke (even if you really are) or talking about what someone else does or does not have. You don’t know what it took for them to get there (or whether it’s even really true). And continuing to go down the rabbit hole of focusing on lack will not lead you to success. Only actions will do that.

2) Don’t Take Anything Personally. Don promotes that what others say and do is a projection of their own reality and dreams. It has nothing to do with you, even if they say it does. Determine what type of life you want to live, which experiences are most important, and get about the business of gearing your money in that direction. Don’t allow others to dictate, or derail, your dreams.

3) Don’t Make Assumptions. The Four Agreements puts forth that you find the courage to ask questions and express what you really want. This often comes up when negotiating salaries (especially with women, who notoriously settle for less than they deserve in the workplace), but it also comes in small ways, like asking your credit card company to lower your interest rate or getting your contractor to come down on their price. Everything is negotiable.

4) Always Do Your Best. This is my favorite. According to Don, your best is going to change from moment to moment; it’ll be different when you’re healthy as opposed to sick, for example. The goal is to always treat your money with respect and purpose, regardless of whether it’s $1 or $1 million. Be conscientious of how you spend it, and you’re guaranteed to get more.

And so it is.