Are you living in surplus or deficit?

It’s easy to spend just a bit more than you make, so that you’re in debt.

It’s easy to bury your head in the sand when it comes to your finances and planning for future goals.

It’s tempting to measure yourself against someone who has more (there’s always someone) than you do.

This is living in deficit.

But consider that it’s possible to live in surplus.

To spend a bit less than you make, so you’re never worried about mounting credit card bills.

To realize that time is a precious asset, so you plan today.

And to measure yourself against no one but yourself.

When you live in surplus, you can more clearly seize opportunities and live a life of gratitude.