t - if you REALLY wanted to. But do you REALLY want to? Do you hurt badly enough or are you just experiencing the dull ache of never having enough money?

Why don't you just admit the truth - you would rather take out a loan to meet your shortfall, wouldn't you? That would be so much easier than c

People who always struggle for money all have one thing in common. They are all too stuck in what I call a "comfortable rut."

It takes effort to change, even when there is a promise of more money at the end of that change. It is far easier to procrastinate and listen to that little voice inside your head throwing up all sorts of excuses:

• "You're doing OK, why bother?"
• "Life isn't meant to be easy"
• "There's a great show on TV - watch that instead"
• "Yeah, think about it - do it tomorrow"
• "You're still young - what's the hurry?"

You know that to make more money you are going to have to change your mindset. You know that it will take effort. Effort creates pain. Pain is to be avoided. Therefore, it's much easier just to leave things the way they are. There's always next week, next month, next year.

Then a decade passes. The little voice is still telling you these things. And that is why MOST people will always struggle with having enough money.

You think you are different? Prove it. Get off your backside. Educate yourself. Take action. Create the environment necessary to bring more money into your life. You know that you COULD do it - if you REALLY wanted to. But do you REALLY want to? Do you hurt badly enough or are you just experiencing the dull ache of never having enough money?

Why don't you just admit the truth - you would rather take out a loan to meet your shortfall, wouldn't you? That would be so much easier than ch

our head throwing up all sorts of excuses:

• "You're doing OK, why bother?"
• "Life isn't meant to be easy"
• "There's a great show on TV - watch that instead"
• "Yeah, think about it - do it tomorrow"
• "You're still young - what's the hurry?"

You know that to make more money you are going to have to change your mindset. You know that it will take effort. Effort creates pain. Pain is to be avoided. Therefore, it's much easier just to leave things the way they are. There's always next week, next month, next year.

Then a decade passes. The little voice is still telling you these things. And that is why MOST people will always struggle with having enough money.

You think you are different? Prove it. Get off your backside. Educate yourself. Take action. Create the environment necessary to bring more money into your life. You know that you COULD do it - if you REALLY wanted to. But do you REALLY want to? Do you hurt badly enough or are you just experiencing the dull ache of never having enough money?

Why don't you just admit the truth - you would rather take out a loan to meet your shortfall, wouldn't you? That would be so much easier than c

ke more money you are going to have to change your mindset. You know that it will take effort. Effort creates pain. Pain is to be avoided. Therefore, it's much easier just to leave things the way they are. There's always next week, next month, next year.

Then a decade passes. The little voice is still telling you these things. And that is why MOST people will always struggle with having enough money.

You think you are different? Prove it. Get off your backside. Educate yourself. Take action. Create the environment necessary to bring more money into your life. You know that you COULD do it - if you REALLY wanted to. But do you REALLY want to? Do you hurt badly enough or are you just experiencing the dull ache of never having enough money?

Why don't you just admit the truth - you would rather take out a loan to meet your shortfall, wouldn't you? That would be so much easier than c

still telling you these things. And that is why MOST people will always struggle with having enough money.

You think you are different? Prove it. Get off your backside. Educate yourself. Take action. Create the environment necessary to bring more money into your life. You know that you COULD do it - if you REALLY wanted to. But do you REALLY want to? Do you hurt badly enough or are you just experiencing the dull ache of never having enough money?

Why don't you just admit the truth - you would rather take out a loan to meet your shortfall, wouldn't you? That would be so much easier than c

t - if you REALLY wanted to. But do you REALLY want to? Do you hurt badly enough or are you just experiencing the dull ache of never having enough money?

Why don't you just admit the truth - you would rather take out a loan to meet your shortfall, wouldn't you? That would be so much easier than changing your whole lifestyle. Yes. Paying back a debt consolidation loan or a credit card for the next ten years is the way to go. Heck, everybody else does it. Why not you?

Why not indeed? Do you want to remain with the herd? The herd only wants to graze in the pasture.

Education and action sounds so painful.

So what is it? Change for the better? Or the comfortable rut?

You already know the answer, don't you? Yes, you do. You certainly do.

Print this article out and hang it up somewhere where you can see it. Maybe it will aggravate you enough one day. Some time in the next decade you might just get motivated enough to make that change. But for now... go and find that television guide. There has to be something on the idiot box that will amuse or entertain you long enough to forget about this. The rest of the herd will be watching.

And if that is what you decide to do then that is the prime reason why you will always struggle for money. Now you know.