The subject of money and wealth is a heavily debated one all over the world. To a better percentage of the population, money is like steam that quickly disappears into the thin air after emergence. To the working population, the case is even worse since most of the people who fall in that category of bracket always look forward to the end of the month when their accounts will once more be rejuvenated by their employers.

Unfortunately, the subject of money is never taught in school, that is why even the most successful financial employees are still struggling to strike a balance between their incomes and their debts. For the few lucky ones who encounter the subject of money at home, they are either taught to be good money managers or to be slaves to it. Most of the encounter lessons on the latter.

If you want to realise how money is a hard subject to debate, take a keen look at the people on different income levels. With time, you will come up with the conclusion that the higher one earns the more debt he or she has. This is an indication that money cannot solve human problems unless we perfectly understand how it works.

The biggest secret that can save anyone from money issues is first of all learning how to retain rather than spend. It is more than being a bean counter through checking out with the latest discount voucher codes from Discount Promo Codes whenever you buy your groceries at Sainsbury’s, homeware at Debenhams, or treat you to a memorable experience at Red Letter Days.

Before I finally got control of my finances and managed to retain as much as I could from what I earn, I had to learn two of life’s most precious lessons. The first lesson was to overcome fear while the second one was to overcome desire.

Most of us plunge into financial difficulties because of fear, we fear what our friends will think about us if we do not own that Cadillac; we fear what our relatives will think if we drop our current status that we are really struggling to maintain; fear controls most of our lives. It is out of fright that we spend where we should not be spending and that inhibits our ability to retain as much as we can for some other better purpose.

On the other hand, desire locks down our thinking whenever we earn from our various hassles. The desire for something better isn’t harmful as long as it works for us rather than against us. Nevertheless, what ambitions do for us is the very same treat that fear gives us.

In order to take control of our finances and finally achieve our financial freedoms, we do not necessarily need to be so mean to ourselves and others. It is simply a matter of doing the right thing at the right time which all revolves taking care of our fears and desires. After we are done with the two, we can now venture into greater risks that will turn whatever amount that we have retained into investments that work for us.