Are you ready for the ‘Frugal Movement’ 
Proactive people develop happy economical lifestyles by living off the spending of reactive people 
NEWS LETTER | FROM THE MANS DEN | BY MICHAEL LALIBERTE 
If you are tired of living paycheck to paycheck, of having your phone regularly cut off or having to make excuses to skip dinners with your friends if the money has run out before the end of the month you can use some of these tips of highly effective proactive people to take control of your money. However you must want to change to live a more frugal lifestyle, and be happy about it. 
Highly effective people take responsibility for their own lives; if they fail, they have no one to blame but themselves. Regardless of how you were raised or how you were treated at school you are able to choose your own behavior now by being proactive. This means understanding that you are in control of the direction your life takes including your day to day financial transactions. 
Whereas a reactive person is often affected by “other” environment’s and will find external sources to blame for their behavior, for example a drinker will show a bartender a picture of their spouse and express why they are at their local pub almost every afternoon, “he is the reason why I drink.” Meanwhile the poor lad is home doing all the household chores, cooking, and raising the children. Reactive people are very seldom happy,” it’s a need thing” they think makes them happy. 
Proactive people use the language such as ‘I can’ or ‘I will’ which they see an outcome in financial matters in a positive way. You can always tell a reactive person by their language, ‘I can’t or I have to’ or only if I married a rich woman. Realistic stimulus only comes with a genuine internal response to everyday problems, not outside “things” that reactive people think would have, or will solve their financial problems. 
Proactive people love reactive people, but only in a business way. Reactive people will purchase the most expensive dining room set to impress their guest. Proactive people will sell it to them at a 100% gross mark-up from buying it from a manufacture. Reactive people need a bigger home to feel good, proactive people feels great holding their mortgages and earning two times the purchase price over a 25 year period. 
Reactive people can’t live without and measure their self-worth with material things that are depreciable and will go into heavy debt for; proactive people are pennywise and base their self-worth by net worth. Their debt-ratio is only 20 to 50% of their assets. Reactive people’s net worth is the opposite, more debts than equity of their fixed assets. Proactive people borrows to build their financial lives in, reactive people borrows to waste their lives in. 
Knowing why you are doing something is an effective motivator in helping you take the mental creation and transforming that into an actual worthy and valuable financial profit. Purchasing several homes and fixing them up can be profitable, but buying undeveloped land nearby existing sub-divisions would bring in higher returns on your investment. Speak to your Real-Estate agent and pick their brains on this, they hold a wealth of information and want to help you in reaching your goals, even if it means holding onto the land for a while. Eventually a pool of proactive buyers will be coming by, and this is where you need to be. 
However, frugality means saying no to unnecessary spending, and enjoying living within a budget. If you’re not banking 20% of your salary, then ask yourself if you’re spending like a reactive person by making proactive people richer? 
FROM THE MANS DEN | BY MICHAEL LALIBERTE | mlaliberte58@yahoo.com