I’ve worked out over the past few months that the only thing that I actually worry about is money. And I know I’m not alone.

When you break it down there are so few things that we actually really worry about. If you think about your worries I expect you’ll find out that 80% or more are related to money.

The silly thing is that there is heaps of money about. It’s just that you don’t ever seem to have enough of it.

I remember when I was at uni. I earned about $6000 for the whole year in 1995. And amazingly, I was able to go out on the turps, buy piles of CDs and generally have a good time. And I even saved a few dollars. (Yes, I did get a Government allowance too.)

Fast forward a few years I’m earning over $40K as a software developer and I seem to have less money to use freely. What the?

Sound familiar?

Perhaps the problem is spending rather than earning. Perhaps we are too keen to have everything now. Perhaps we really do have enough money and too many wants.

So, what to do? Delay gratification. Earn now, spend later.

And stop worrying damn it!

(I promise I am trying to follow this advice too!)