Balance is the Key

Life is all about maintaining a healthy balance. We need to eat, exercise, work, rest, and play. Since money is an important aspect in our life, in order to be successful in managing it we need to employ the skill of balance to this aspect as well.

Financial balance means being conscious of how we invest our money on a daily basis. If you put all your focus on only one area of your monetary existence you will quickly put your life off kilter.

Too many people put all their mental energies onto debt. Either racking it up or fretting about how to pay it off. Others concentrate of sacrificing for a “rainy day” or retirement or their children’s education funds. Neither of these drastic approaches work.

Successful and happy people have found a way to bridge both the desire for financial security and fun. Three vital components are included in their budgets: Financial Freedom, Debt Reduction, and Play. If you are fortunate and are without debt then fabulous, you can focus on the other two.

Financial Freedom is money that you put aside and DO NOT TOUCH. These are your money seeds that grow and grow and grow. These are your long term investments. These funds can start small, very small, and grow through compound interest and your growing knowledge. Where we put our attention, our efforts, and our money expands.

Debt Reduction is another form of investing. By eliminating credit card, vehicle debt, lines of credit, loans, and mortgages we free ourselves and our wallets for bigger and better things. By putting together a reasonable and executable plan to reduce and eliminate our debt we free our minds to learn about creating more money in our lives.

Play money is what allows us to stick with our financial plans. We cannot be serious, responsible, and hard working all the time. Without the ability to relax, laugh, and just enjoy life and money what is the point of life? By putting a portion of all our income aside for purely fun and enjoyable things we are motivated to stick with our budgets. This money is a reward for doing the right things in handling our money. I highly recommend that you spend this money monthly. Small, regular rewards have been proven to be much more effective than one big reward in some far off, distant future. You can still have the big rewards (like a tropical vacation), but it shouldn’t be the only reward.

By taking a balanced approach to money management you get to eat your cake and have it too.

“You have a divine right to abundance, and if you are anything less than a millionaire, you haven’t had your fair share.”
Stuart Wilde

Tammy Johnston

Tammy started working in the Financial Services Industry in 1993. The first 9 years of her career were spent working in regional offices, for independent agents, and as Brokerage Manager for two different MGAs. Her focus was on training other agents and helping them solve problems for clients. After spending close to a decade as an employee Tammy decided to venture into the “sales world”. Determined to be more than just another insurance salesman, Tammy founded The Financial Guides. She set about working with clients in a totally different fashion. Feeling that everyone needs a sound financial education she created her first class “Financial Journeys”. The goal was to provide the accurate, unbiased, basic information in simple English that we all require, but can’t easily find. Knowing that the best way to learn is by having fun and being comfortable, Tammy takes good care of her guests with excellent food and lots of laughter. Further expanding her educational and value added offerings Tammy created “Sandwich Safaris”, “Business Builder Nights”, “Small Business Class”, and "FInancial Journeys Summer Camp". Putting time and care into helping with the necessary tasks required to run a successful financial household Tammy works with clients to set up budgets that actually work, reviews credit and debt to make sure it is working for the client and not just against, and makes sure all the pieces of the puzzle fit together properly. Knowing that all financial aspects affect one another she looks at the whole picture. Honestly tells you what is working, what could be improved, and what is missing. Tammy’s clients understand what they are doing, why they are doing it, and have hope for the future. The newest project by The Finanical Guides is our Childrens' Financial Book Series. To check out the books please go to