Baller on a Budget: Real Change in the New Year

Interesting Times

It’s been a year now since I wrote my very first Baller on a Budget post! I’ve written 8 total and 25 overall on the topic of money: saving it, making it, or thinking about it in new ways that serve you better. You may have noticed that my tips aren’t “get rich quick”. Nothing in Art Of Hustle is the stuff of shortcuts. Sorry, no six-minute abs here either. In fact, I’m not even rich! Not by U.S. standards anyway.

So, the question begs to be asked, why listen to me at all? The best reason really… because I’m a regular dude. One that, despite my ordinariness, has been able to make moves and eat. Feeling the hurt and pushing through the recession and joblessness, just like you. You can also bet that none of the advice I give you will be too difficult to understand or implement, just a few sound practical actions that every man and woman can take – if you want to.

For example, anyone that asks me to help brainstorm their money woes will often hear me talk about the importance of wealth consciousness or improving one’s relationship with money. Yeah, admittedly, it’s not what you want to hear when you’d prefer a black and white, cut and dry, middle-of-the-road to-do list. Sorry, these are interesting times and advancing will require some interesting solutions.

Build Momentum

One of the simplest ways to develop your relationship with money (or any part of your life for that matter) is to start small. Build momentum. Any athlete will tell you that if you want to enter a new fitness program, go easy. Not only will you save yourself from injury, it’s the best way to turn a new routine into a genuine habit. A common beginner’s mistake is to jump in like gangbusters, overexert, and then completely break schedule due to severe muscle soreness. This happens too in other learning areas, except that muscle soreness may take the form of psychological overwhelm and discouragement, even defeat.

“If he attains the virtue of the long sword, one man can beat ten men. Just as one man can beat ten, so a hundred men can beat a thousand, and a thousand can beat ten thousand. In my strategy, one man is the same as ten thousand, so this strategy is the complete warrior’s craft.”
-Miyamoto Musashi, A Book of Five Rings

Begin with honoring the power of the most tiny of monetary units. Managing one dollar isn’t much different from managing a hundred or a hundred thousand. So, don’t underestimate your seemingly little successes. One of my favorite sayings is: How you do one thing is how you do everything. You can’t be lazy with one dollar and expect that your life would be so much different if only you had a million. Come on, seriously? What next, the couch potato yelling plays at the television screen would be an awesome football player if only someone handed him a helmet and a pair of cleats? I don’t think so.

Look, I know some fancy pants might tell you different, but generally speaking (and there are definitely exceptions), in my opinion, your money matters right down to that most annoying of coins – the penny! And with that, I invite you to please enjoy the video below.

(327 Quarters + 215 Dimes + 101 Nickels + 417 Pennies) – 9.6% Service Charge = $101.67!


I wish you a new year full of clarity, inspiration, quality time with good people, peace of mind, health, fruitful work, wisdom, and yes, wealth!

Comments? I’d love to hear your thoughts below. Hit the Share buttons to pass this along!

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2 responses to “Baller on a Budget: Real Change in the New Year”

  1. Qiana says:

    I save my change and it amazes me everytime I turn it in… Great post

    • Hi Qiana! Thank you for reading and leaving a comment. It really is amazing. I’ve been doing this change routine a few years now and I love it! It’s a great way to kick off a new year!

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