Okay, so we have talked and talked about some of the things that are helping to keep us broke, but now it’s time to get to the nitty gritty.  I mean the real deal down to earth reasons that we are staying broke. These are the things that are most important to change in our lives in order to change our financial future.

So, my friends here are the biggest things keep you broke and how to turn that around:

• Intimidation.  When you are not used to having enough money, the mere idea of having more than enough money is a very intimidating thought. Many people don’t understand this mindset, but it is a very real thing.  I highly suggest reading up on some money management books, or listening to podcasts just to get you more comfortable with the subject.
• Fear.  What if you fail?  What if you can’t make enough money to get things right?  What if you screw up and fall back into your bad financial ways?  Listen, all of these can happen, but if you believe in yourself they either won’t happen or you will turn it around and change!  I’ve recently been following several budgeting groups on Facebook and finding that like any other thing, sometimes people fall off the wagon, but as long as they are ready to make a difference, things really can change.
• YOURSELF.  This is the biggie folks.  YOU are keeping yourself broke.  You are the one making the decisions to hit the drive through or to not meal plan or budget your income and expenses.  YOU alone have the power to change this, but you have to be willing to make a difference in your financial life and you have to want this change for yourself and your family.  

YOU can do it!! I believe in you!