| Over 70% of working Americans find themselves living | | | | control and set a pathway for a better and healthier |
| from paycheck to paycheck despite having increases | | | | future for your personal finance. You cannot look for |
| in income. Similar to most people, you pay everyone | | | | that extra money to set aside in a special way after |
| else first -- taxman, landlord or mortgage holder, | | | | you have taken care of all other expenditures. Instead, |
| credit-card Company, and so on. You even try to | | | | you must make the first disbursement of your |
| manage with a budget every week, month, and year | | | | disposable income to your PYF Account. |
| hoping that if you try harder than before there will be | | | | Just as with any other bill payment, consider that |
| some money left over. | | | | disbursement made for personal professional service |
| A fire will burn until the fuel runs out. The same | | | | rendered leaving your operating account with less |
| happens with your spending which will continue until the | | | | money, and that money cannot be reclaimed. Your |
| money including that provided by credit runs out. As | | | | monthly utility bill comes for the amount of energy used |
| long as money is available in accounts without a | | | | and when paid you have totally less money and no |
| significant purpose, our human tendency is to spend | | | | reclaim to the money paid. Further, you receive no |
| until it is used up. Looking back over a few years you | | | | equivalent credit for any future energy services |
| must have had increases in your income or household | | | | because of your long standing relationship as a good |
| income, but you still find yourself struggling to make | | | | and faithful customer. |
| ends meets despite the increases. Interestingly, as you | | | | Not so with the regular disbursements made to your |
| made more, you spent more. | | | | special PYF account. This account grows and begins |
| Regular contributions to a "Pay Yourself First (PYF)" | | | | to feed upon itself from regular contributions, exposure |
| account starting with any amount is a beginning solution | | | | to daily compounding interest, and from you taking |
| to stopping the game and interrupting the vicious cycle. | | | | advantage of opportunities to velocitize your money. |
| By adopting the PYF habit, you can begin to regain | | | | |