Here is how I simplify my finances

Life is unpredictable and we can’t prepare ourselves for every possible financial scenario. But what we can do is take control of our financial habits.

After quitting my job, I decided to simplify the way I was managing my finances. I didn't want to become a paranoid hoarder who survives on noodles and water only to stash 90% of the earnings for the future. 

I knew I had to develop a solid financial system which allowed me to do all the things that I wanted to do while at the same time saving and investing for my future dreams.

I have to say, it wasn't easy but it was possible because I did it.

Since there’s no single, perfect solution, I will just share with you what I did and at the end you have to determine which route is best for you.

Take responsibility. Honestly, when I had those dark financial days, the temptation was always to blame someone or something. But that didn't help me at all. My first step was to take a hard look at how I was spending my money.  I looked at where my money was going for "necessities." Do I really need it or do I just want it?  Unquestionably, the changes I made in my lifestyle were a great improvement, but they were not easy by any means. It took 3 years and a lot of desire, determination, self-discipline, self-sacrifice, and perseverance to get to where I am. 
So no matter how you look at it, it’s not the banks that force forced you to buy a home you can't afford nor was it the credit card companies that make buy expensive food on credit. Those decisions came from you. And sooner or later, if you really want your finances to get healthy, you will need to recognise  your financial weaknesses. So if you have been struggling financially, stop blaming your back ground, the economy, and let go of any excuse that you may have on why things are not working out for you financially. Remember, you are responsible for creating your own wealth.

Always have a budget and learn to live within your means.  I am an unapologetic and unceasing believer in the power of a budget. I know that many people cringe at the mere mention of the word. They think it'll be constraining and restrictive. But that's not true. The benefits are so great that I believe everyone who deals with money should use this personal finance tool. I also believe that using a budget leads to great financial freedom.  A budget is a financial roadmap, giving us the feedback we need to make sure we're living within our means while encouraging the accomplishment of our goals. And it isn’t about less; it’s about more, namely having more knowledge about what’s happening with your money so you can be more intentional about how you use it, ultimately having more money for what matters most. 
The short-term, I-want-it-now, “the future will take care of itself” kind of approach doesn't work and if you continue on this downward spiral of living for the moment, you have failed yourself.  Remember, materialism always inhibits wealth building and leads to debt. It's better to live within your means with dignity than it is to live above your means in embarrassment.

Health is wealth. Thank goodness dark chocolate, red wine and coffee are now viewed as somewhat “healthy" we can finally indulge. But having said financial success does not translate into success in healthy living. Many of us are struggling with personal goals to get in shape, lose weight, and live a healthier life. When I quit my job I struggled too to lose weight. In fact, the weight piled up but after a while I realised that I'm just killing myself. So I decided to do something about my weight gain. And yes, I'm still on that journey. 
Like your finances, your health is your responsibility. Take the initiative. Don’t wait for some magic bullet or pill to come along. Remember, the big secret in weight loss and health is: there is no secret. Just proper diet, lots of exercise, and a healthy, positive attitude. The money you spend on your health whether it’s good food, a gym membership, or regular check ups, will more than come back to you in the future. Being sick is just too expensive.

Give thanks. Instead of focusing on what you don't have, focus on what you do have, and express your gratitude to keep the right perspective on your finances. And look forward to the good future you already have. Remember, success is a marathon, not a sprint. Never give up. There will be pitfalls. Setbacks are part of the road to success. And setbacks and relapses do not equal failure. They only mean you’re human. Get back in the saddle, and be grateful for all your success so far.