Financial Frustration to Freedom: Ten Money Lessons I Wish I Knew Sooner | Savvy Wealth
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Financial Frustration to Freedom: 10 Money Lessons I Wish I Knew Sooner

Are you ready to break free from the frustration and anxiety that you should be further ahead financially by now and pave your way towards financial freedom? To get rid of that knot in your stomach when you look at your finances. 


Picture this: sipping champagne on a tropical beach, exploring breathtaking hiking trails, or snorkelling in exotic waters, all whist knowing your money is working harder than you! It’s all within your reach, and I’m here to help you on your journey. In this blog post, I’m going to share the ten money lessons I wish I knew sooner. Buckle up and get ready to transform your financial mindset, boost your investment knowledge, and unleash your wealth potential. 

Focus on Keeping More of the Money You Make

Let’s face it, sister, you work hard for your money. So why not ensure you keep as much of it as possible? Embrace intentional and mindful earning and spending, remove any financial leaks or spending on things that aren’t aligned with your values, and allocate those savings towards investments that have the potential to multiply your wealth. Are you paying for any subscriptions you don’t use or value, are you getting the best deal for your utilities and phone providers.  It’s time to become empowered in your own ability to manage and invest your money! My money management guide provides you with a template to do just this. 

Uplevel Your Skills and Education & Expand Your Income

Expanding your income is a game-changer when it comes to building wealth. Invest in yourself by acquiring new skills, pursuing further education, and seeking opportunities for growth. The more you know and the more valuable your expertise, the faster you’ll soar towards financial success. Also, look at alternative ways to expand your income in the short term, can you rent out your car on sites like turo or ubercarshare? Do you have a spare room that you could rent out? Could you do online surveys or user testing to create some additional income? Think outside the box. 

Embrace the Long Game

Patience is a virtue, especially in the world of investing. This is definitely one of the ten money lessons I wish I knew sooner. Think long-term, my friend; focus on decades, not just a few fleeting years. Rome wasn’t built in a day, and your wealth won’t be either. Steady and consistent growth over time is the key to financial abundance. You’ll be amazed at what you can achieve in just ten years. 

Make Your Money Work Harder

No, it’s not cheating; it’s being smart. Your money should be working just as hard as you do. Seek out investments that generate passive income, such as rental properties or dividend-paying stocks. Let your assets do the heavy lifting, while you sit back, relax, and enjoy the rewards.

Actually Start Investing as Soon as You Start Earning Income

Investing in the market for a longer period of time is much more crucial than attempting to predict the perfect timing. This article by Vanguard outlines the challenges of market timing. The earlier you begin investing, the lesser amount of your personal funds you’ll have to contribute in order to achieve your financial goals which is why it’s amongst the ten money lessons I wish I knew sooner. This is due to the power of compounding. Additionally, it helps develop habits and consistency that will benefit you greatly in the future. 

Use Leverage to Your Advantage

Leverage is a powerful tool that allows you to amplify your returns however, it can also magnify losses. It involves using borrowed money to invest in assets based on the premise that the asset will appreciate in value and generate income enabling you to use the gains to repay the loan. The most commonly known form of leverage is in purchasing property. So, it’s time to consider using leverage to your advantage —just not in the car-buying sense! Using leverage only works if the assets are appreciating in value, be cautious using debt to purchase material items or experiences. 

Align Your Money with Your Values

Money is simply a tool; learning to align your money (both how you earn, invest and spend it) in line with your values will add to your happiness. Ensure that your financial decisions align with what truly matters to you. If health and wellness are a priority, invest in your well-being. If family time is priceless, seek opportunities that grant you the freedom to cherish those moments. Let your money flow in alignment with your values and passions.

Surround Yourself with Success

You’re the average of the people you surround yourself with, so choose your tribe wisely. Seek out like-minded individuals on a similar financial journey. Don’t be afraid to enter rooms where you may feel inexperienced; that’s where growth happens. Accelerate your learning and elevate your mindset by surrounding yourself with those who inspire and motivate you.

Stay True to Yourself

Not everyone will understand or support your quest for financial freedom. It may trigger some people, and relationships may change along the way. But remember, this journey is about you and your dreams. Stay true to yourself, keep your eye on the prize, and let living life on your terms and creating a life that makes you happy rather than what other’s think you should do be the ultimate response to any doubters.

Ten Years of Commitment, a Lifetime of Reward

It takes dedication, consistency and discipline to create lasting change. Commit to ten years of focused effort, continuous learning, and unwavering determination. The sacrifices you make today will shape the rest of your life. Stay the course, and the reward will be a lifetime of freedom. 

The journey from financial frustration to freedom is paved with valuable lessons that can transform our relationship with money. Incorporating these ten money lessons into our lives empowers us to navigate the world of personal finance with confidence, resilience, and a sense of purpose. 

Embrace your financial journey with confidence and determination, knowing that you have the ability to shape the life you desire. Start investing like a boss lady today and watch your wealth grow as you create the choices and freedom you deserve.

If you’re ready to have a paradigm shift around abundance, upgrade your money beliefs and create true wealth and passive income, sign up to my newsletter to transform your relationship with money and have access to financial education.