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Just for Fun – Charles’ Big-Time Super-Helpful Financial Plan

Money is always a stressful subject, but never fear! I’m here to help. Just apply the the following 3 tips and soon you’ll be rolling in dough!

1] Organize your bills. For most people, the subject of bills is unpleasant, but it needn’t be anymore. Instead of ignoring them, I suggest you tackle financial responsibilities as I do by organizing your bills into three categories:

1. Past Due
2. Way Past Due
3. I’m Going to Have to Find a Another Place to Live Next Month

Congratulations! Your bills are now organized!

After completing this task, you will no doubt experience a deep sense of accomplishment. Feel free to reward yourself by using your credit card to buy lots of expensive stuff that you really don’t need. You needn’t worry about the bills for these purchases because you now possess the financial expertise you need to handle them.

2] Learn to budget. Creating a budget doesn’t have to be difficult or restricting. Let’s say you want to take an expensive vacation but it isn’t in your budget. Does that mean you don’t get to take the trip? Absolutely not!

Adding such an item to your budget is simple. Just take a piece of paper and write the word “Budget” at the top and just below it write the words “One expensive vacation.”

Tah-dah! Now your dream vacation is in your budget! See how easy it is?

Feel free to go ahead and book your flight right now.

3] Learn to save money. Saving money can be enjoyable and liberating.

Suppose you have your eye on a nice, shiny Cadillac Escalade but you know you should be saving money instead. How does one save money when buying a luxury car?

Try this. Go test drive a Rolls Royce and decide to buy one. Next, come to your senses and realize you can’t afford a Rolls and go buy the more moderately priced $75,000 Cadillac instead. Wow! You’ve just saved a couple hundred grand.

Using this very same savings plan, my wife and I saved over $9 billion last year alone.

Does that make me a billionaire?

Yes, it does.

If you want to learn about money, it’s probably a good idea to get your input from someone who actually knows something about the subject, rather than from a humorous speaker.

If I could give you one life-changing piece of advice that I do know something about, I would tell you to focus on growth. Somebody once said that the only way to have something you’ve never had is to be someone you’ve never been. The best way that I know to do that is to read.

Read books that challenge you. Read books that inspire you. Read books by people who’ve been further down the road than you. And if you don’t like to read books, there’s an app called Audible that will allow you to listen to just about any book you could want.

If you make a habit of reading, you’re going to grow, and I guarantee things are going to improve. And that’s a promise that you can take to the bank.

© 2019 Charles Marshall. Charles Marshall is a nationally known humorous motivational speaker and author. Visit his Web site  or contact him via e-mail at

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