2nd episode -Gay Finances in a str8 world: Are you ready to change?

It is an accepted part of self-help wisdom that it takes twenty-one days to develop a new habit and make it stick. This has been found to be true in weight loss, smoking cessation, reducing alcohol consumption, and many other regimens designed to create positive habits.

listen carefully to what mama have to say

It can also be applied to your finances. If you are having trouble getting motivated to create a better financial life, a dedicated effort over just twenty-one days can create better money management habits.

don't let desires melt the ice- keep it long winter for all card

If you can go for three weeks without falling back into your old patterns, you stand a better chance of coming out on the other side with new, ingrained, money management habits.

Figure out exactly how much you owe. This sounds like a “duh,” but you can’t make a plan without knowing exactly how much you owe and to whom. It’s time to come clean. List all loans, lines of credit, credit cards, “X months same as cash” offers, 0% financing, etc.
List everything, no matter how small, including that $10 you owe your coworker for lunch last week. If you don’t know what you owe, you can’t create a plan to become wealthier. Figure it out.



Figure out exactly how much you have. Tally up all your assets, including cash, 401K’s, IRA’s, stocks/bonds, your change jar, and the money in your mattress. If possible, include an approximate value for your house, if you own one. Don’t count “expected” money like tax refunds or inheritances until you have them. Expected money is not money you have.


Many people have no idea how much they have (or don’t have) and I don’t think you can create any sort of financial plan without knowing exactly how much you have.

Do i make myself clear
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Coming next the 3rd episode