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Published on 20 Dec, 2024
“Unexpected expenses are a sign of disorder in your financial house.” – Dr. John Demartini
“EXPIATION NOTICE”
 
These were NOT the words I wanted to see on the envelope sitting on our front counter.
 
Immediately I knew what it was.
 
A parking fine…
 
Not the early Christmas present I was hoping for.
 
Unexpected expenses always seem to come up at the worst times.
 
Why is that?
 
There is a Universal Principle that explains why unexpected expenses occur. Entropy. Entropy is the tendency of systems to move from a state of order to disorder over time. Or in simple terms, entropy describes how messy or disorganised something is.
 
High entropy = Highly unorganised
 
Low entropy = Organised
 
Entropy explains why:
 
  • Your room gets messy after you clean it
  • Your inbox fills up after you’ve spent hours emptying it
  • Your fit body turns sloppy when you’re on a cruise with all you can eat buffets
Unexpected expenses are like weeds growing in your garden. They’re a visual cue that lets you know your environment needs a little TLC.
Negentropy is the opposite of entropy.
 
Negentropy is the tendency of a system to move towards order and efficiency over time.  
 
It’s the work you must do to ensure your environment – be that physical, financial or mental stay organised.
 
For example,
 
  • Meditation brings order to your mind
  • Going to the gym brings order to your body
  • Planning your week brings order to your time
 
Building wealth is a negentropic process.
 
It requires investing your energy to negate the effects of entropy on your finances.
 
Because, if you’re sloppy with your finances – your money will disappear on impulse purchases, liabilities, and those dreaded unexpected expenses.
 
However, 
The more organised you are with your finances – the less unexpected expenses you will experience and the easier you’ll be able to handle them.
Bringing order to your finances is a simple process.
 
All it requires is:
 
  • Intimately knowing your income vs expenses
  • Understanding your assets vs liabilities
  • Choosing where to allocate your money
  • Creating and sticking to a savings/investing plan
  • Regularly reviewing your finances
 
Now the crazy thing is once you bring order to your finances, more money will be drawn to you. Because wealth loves structure. Money will always move from high-entropy (unorganised) people to low-entropy people (organised).
 
Which one are you? 
Action Steps:
As 2024 comes to a close, now is a great time to bring order to your finances.
 
Start by:
 
  • Reviewing your last 3 months of bank statements
  • Highlight all the unexpected expenses you experienced
  • Work out how much money per month goes toward unexpected expenses
  • Be proactive and allocate this amount to a savings bucket moving forwards
 
Bonus Step: Check to see if there’s a theme with your unexpected expenses.
 
Perhaps they are all to do with your vehicles. If this is the case, it could mean you’re unorganised when it comes to maintaining your car. Or maybe they are all health related. And this could mean you’ve been neglecting to prioritise your health.
 
This exercise will not only help your finances but it will also highlight the areas of your life where entropy has taken over. The areas of life you’ve been neglecting.
 
Merry Christmas & Happy Festive Season, 
Marshy
 
P.S. My role as a financial coach is to help you bring structure and order to your finances. Legend, if you need support in 2025 reply to this newsletter and let me know. 
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WHO IS MARSHY?

Financial Habits Mentor & Host of the Podcast 'Money Mastery with Marshy.

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