We all know the famous saying that you will reap what you sow, but how many of us stop to think about how this quote really relates to our lives? Well, many of us start off our careers with great dreams about how we will achieve so much within a very short time - about how we will work hard to climb up the corporate ranks and invest in stocks, real estate, and so many other areas of life.

But when the first paycheck shows up at the bank account, our thoughts and priorities shift greatly; we start thinking about how we should furnish our homes, how we should buy a brand-new car, how we should move to a new neighborhood, how we should start eating out, and so on. All these mean that we will be spending. Before the month is even over, we are dead broke and asking for salary advances from our employers and checking out payday loan sites. Credit cards also become a personal favorite because you can buy what you cannot afford.

When you continue with this trend, it doesn't take long before you discover that you have immersed yourself in debt and that you are paying more for credit. And when this happens, you soon start missing credit card payments and payments for other forms of credit. This can be your worst nightmare irrespective of how much money you earn because it not only messes up your financial goals; it can also mess up your career and your family.

Well, there's nothing wrong with living the lifestyle you want to live, but when this affects your progress in life as far as finances are concerned, then you need to take action. The truth is that you can never become rich by spending. When you sow spending, you reap poverty. You can never move ahead in life by being the biggest spender, whether you do it because you have convinced yourself that your job demands a certain lifestyle or not. When you are constantly broke when you are working or running a business, something is definitely wrong with the way you handle your money.