The biggest block of boulder that’s between you and financial freedom is really the reluctance to take actions. Whether you think you’re earning big bucks or investing your money in businesses, you’ll need to deal with personal finance, otherwise your hard earned money might just go down the drain.

To help you with that, I’m introducing this multi-lesson course called “Personal Finance School” to kickoff your personal finance journey. Once you’re done with this course, you’ll be way better than 99% of the people around you in dealing with money. You’ll keep more of what you earn, and earn more than what you do.

Ignorance is bliss they say. But you know it is not. You might be procrastinating, but being ignorant about money is the worst ignorance ever. Every second you delay taking actions is another dollar going out of your pocket (okay it depends on how much you have in your pocket first).

Think of it this way, if you put your money away in your checking account, the buying power is going down by the second because of the inflation. So you’re losing money when you work and when you sleep, when you should be making money instead.

There are a few reasons we make huge money mistakes like this:

1) A whole lot of ego – it is important to be confident and have high self-esteem for yourself. You are a unique person, and nobody else in the world can come close to being yourself, not even your twin. Yet, the more ego you have, the more likely you’ll be trapped in your own egoistic world and be closed to others’ advices on money. You think you got it all, but you might be wrong.

2) Higher income than average – But you also spend much more. It’s just crazy to go through the whole process of personal finance, why not just earn more and spend? Simple and happy. Or not. You might be living in a rat race, living paycheck to paycheck instead of paving your long-term financial road.

3) People love to justify their current situations – No matter what situation you’re currently in, you will find reasons to justify why you’re where you are and why you should stay as where you are. Once a person’s idea is fixed (think about first impression), everything that comes along after that will reinforce that idea, whether it’s true or not. It’s called “confirmation bias” in psychology.

What should you do? Just go out there and dominate your money, and don’t let money drag you to work and force you to wake up. Let your passion instead of the alarm clock drive you away from your bed in the morning.

But, before you do that, I need to tell you something:

Don’t make the same mistake twice.

Don’t go to school because you thought you had to, or you were supposed to, or if that’s the right thing to do.

But, do you even want to go to school again?

Maybe not. I seriously believe that not everything is right for everyone. Even personal finance (coming out from a personal finance blogger!).

Here are a few reasons you should not be reading any more:

1) You’re happy with whatever you got – you just want to watch more TV and drink more booze, and you have enough money to pay for the lifestyle. Even though you know you might eventually run out of money if you get laid off.

2) You’re very busy – you’re already working so hard at your work you don’t want to do anything else with your money, and you’re cool with your money flowing out from your pocket.

3) You don’t trust bloggers like me – you really have nothing to lose because the Personal Finance School is free. But if you still think I have some sort of agenda behind the scenes, you should stay safe and do what your survival instincts tell you.

However, If you still insist on going to Personal Finance School, please read on…

Okay, you have to start somewhere. Let’s pick a point that you should start from, and probably the most obvious thing to do (yet not many people do it, but I know you’re different!).

Decide on how you want to live the perfect day of your life.

And make a decision before you sleep today.

Why bother? Because it will totally change the game that you will play when it comes to money. It will affect every single aspect of your life, every single action you take on your journey to financial freedom and happiness. If you don’t even have a goal and a clear idea of what it feels like, how can you achieve it?

You need to do some deep thinking and explore your own world

Be really detailed about this. Make it unique to yourself. Beginning from the moment you wake up, list down the things you WANT to do for the perfect day:

1) What time do you wake up?

2) What kind of breakfast is ready before you?

3) What do you do after breakfast?

4) What do you eat for lunch? Assuming you don’t wake up too late and have brunch instead.

5) What do you do after lunch? Are you going to meet with your friends? Spend time with your family? WORK?

6) What’s for dinner? Are you going to cook or you have a chef? Maybe you want to eat out at a fancy restaurant?

7) What’s your night activity? Watch some TV? Read a book?

8) What time do you go to bed?

Here’s my own version of a perfect day:

1) Wake up at 9 am – I’m more productive in the morning.

2) Have plain croissant and strawberry danish, served with fresh orange juice. Fantastic!

3) Start working on my blog for 2 hours, then go work out at the gym in my house and then swim in my own swimming pool.

4) Feeling hungry after workout, get my tuna sandwich with fried potatoes and just iced water.

5) I’ll go to the mall with my family and catch the latest blockbuster. After I get home, I’ll play PS3 for a couple of hours (God of War III would be a great game).

6) Have awesome eel sushi and soft shell crabs! I’ll eat out with my family at a great Japanese restaurant with really fancy decor.

7) Check my emails and brainstorm for ideas to improve my online business. Work some more. After that, I’ll read a book for an hour or so.

8) Hit the sack at midnight and dream about all the good stuffs that will happen tomorrow…

There you go. The perfect day can be really simple. Again, this exercise is very important in helping you conquer the idea that whatever financial goal you’re trying to achieve is overwhelming. But once you know exactly how your perfect day is gonna be, you can then plan how much money you seriously need. It’s not that bad.

It will take work, don’t misunderstand me. And you might not live the perfect day every day. But as long as you have that image in mind and work towards it, be it driving a Porsche or living in a huge mansion, you are 110% more likely than the people around you to reach your goal.

And that’s it for lesson 1. Feel free to leave your comments or even describe your perfect day below!

The Personal Finance School Series:

1. Personal Finance School: An Introduction to Effective Personal Finance

2. Cash is King, Net Worth is Queen

3. Why and How You Should Kill the Debt Monsters

4. Personal Finance Automation: The Art of Doing Nothing with Your Money, or Not?

5. How You Can Spend, Save, and Earn Half A Million Dollars

6. Your Money Will Work for You 24/7, If You Are Willing to Work FIRST

7. Why Investing Deserves Another Round of Lesson

8. The Most Important Personal Finance Lesson of All…

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