Seeds That Grow Your Financial Wealth

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By Delissa Villa (Tulia, TX)

To take serious action on managing your financial wealth, begin by looking at your mindset. What do your conversations about money sound like–to you and to others? What attitudes are revealed by what you tell yourself about your money, or what you tell others? These questions may not seem too important, but I can assure you that your financial future depends on the answers that you give.

You don’t have to be a genius to build your finances in a profitable way. Begin by planting seeds that will one day bares fruit for you and your loved ones to enjoy. How and when do you plant these seeds? First, “plant seeds” (invest) by growing and strengthening your attitude and values, because your mindset is the foundation to building and maintaining wealth.

When is the best time to plant the seeds? Now…not tomorrow or the next day, but today. If you choose to invest time and effort in understanding of how money and your mindset work, you can live a life that few people get to live.

Invest in growing your mindset by reading books, listening to podcasts, watching YouTube videos from credible sources, attending classes or seminars, and learning from people who possess financial wealth (something as simple as inviting them for coffee and asking them thoughtful questions). If you don’t have time for that, somehow you will need to make time. Where you spend your time and your money is an indicator of where your priorities are.
Here are a few more questions to build your financial mindset: What are some of your financial dreams? Do you have a yearly, quarterly and monthly budget? Most people don’t plan out their yearly finances–they just accept what they receive and try to figure it out as they go or struggle throughout the year. If you want to live in different way, you’ll need to plan ahead.
There are many ways to manage and begin to invest your money and the following is just one example. A simple way that I manage my money is by breaking every paycheck it into 6 buckets:

    1. Giving (Tithing) 10 %
    2. FFA (Financial Freedom Account) 10 % – Pay yourself first concept. Use this money to invest
    3. LTSS (Long Term Saving for Spending) 10 % – Savings for big expenses such as a vehicle or vacation
    4. Play 10 %– Spending money for your hearts delight
    5. Education 10 % – Formal education or if you are out of college this bucket can be to continue to grow and strengthen your mindset. I use this bucket to pay for books and seminars.
    6. Necessities 50% – Bills

Does this sound impossible? It isn’t, but it does take time and effort to get there. You can do it. Change the way you look at things and the things you look at change. That is why your mindset is so important that when building wealth, you have to be willing to learn how to believe that you can do hard things. Three great books I suggest to start off with are: Robert Kiyosaki’s Rick Dad Poor Dad, Napoleon Hill’s Think and Grow Rich, and T. Harv Eckers, Secrets Of The Millionaire Mind.

Start planting “seeds” that nourish your financial mindset and see how beautiful your garden becomes.


Delissa Villa, owner of Laridel Properties, L.L.C., is a real estate investor who grew up in Tulia, TX and completed 3 OC Community Internships from 2008-2010. In addition, Delissa serves as an OC Intern Mentor, nurturing a passion for helping youth to develop leadership skills and build financial wealth.