Are you Immersed in Debt?

The main reason why most people have money problems is that they were never taught cash flow management at school. Without this training, they end up working harder and harder with the belief that with more money they will finally solve their problems. Unfortunately, more money often only sends people to more debt. More money will not solve the problems if cash flow management is the problem.

As general manager of your life’s business, you have created a personal financial statement and must analyze it. The next step is to take control of your cash flow.



The cash flow management plan to be developed depends on your level of personal debt. To get an idea of ​​how much you are in debt, look at the list below devised by Kiyosaki. If you can answer yes to any of the questions, then you must put “1”.

  • Do you pay your bills late?
  • Have you hidden an invoice from your spouse?
  • Have you neglected to repair the car due to lack of funds?
  • Is there tension because of excess family spending?
  • Have you bought something recently that was not necessary and could not afford?
  • Do you spend more than what you pay on your paycheck?
  • Have you been denied a loan?
  • Do you buy lottery tickets hoping to get out of poor?
  • Have you saved money for emergency situations?
  • Does your total debt (excluding the mortgage) exceed your emergency day reservation?

Review the Results


Add the numbers. Is your score 0? Good for you! You have control of your cash flow. If your score is in the range of 1 to 5, you may have to reduce your debt. If your score is in the range of 6 to 10, be careful – you may be heading towards the financial disaster. The higher the score, the more urgent it is to increase your financial culture.

How to manage my cash flow

As for me, personally, I scored zero at this point in time, because I know how to manage my cash flow, but as soon as time passes and the family grows more, it becomes necessary to take this test again.

It is important for you to do this type of exams at different stages of your life from now on and that this is not the last time to take it.
And you? What is your score? Is it full of debts? If so, then you must act now before it is too late.

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