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DailyInspire 2025

 

I greet you with a smile and energy that I pass on to you!

 

Yesterday, not everything went smoothly—one task turned red with embarrassment, heating up like a freshly baked pie.

I simply lacked the strength for one point, and to be honest, the will as well.

 

Since I am not a robot, I swallowed that stone. (Not without a slight choke, but it went down.) I will fix it today because, in the end, it is connected to building my financial foundations—so in a way, it landed perfectly. Phew, I managed to wriggle out of that one in front of myself—a beautiful little escape into a mouse hole.

 

Sometimes, things like this happen, but our shortcomings, mistakes, or neglect must be corrected as quickly as possible so they don’t drag behind us like the slime oozing from the mouth of a horror movie monster.

Is something weighing on your conscience? Is there something difficult you’ve been putting off? Do it now! Not later in the day.

 

Right NOW! It will improve your mood and clear your mind, and I believe that today, your thoughts will be only positive.

Make sure of it! Head up, hands to work!

 

 

  

"Beware of little expenses; a small leak will sink a great ship." – Benjamin Franklin

 

 

Foundations

Today is a foundation day. In my HMF method, the foundations consist of Family, Values (or Faith), and Finances. Today, I will focus on finances and the daily control of them. Specifically, managing a budget—a private budget.

I will call it “Kacper Holding Budget”—one of the most important documents at the supervisory board meeting of my private company, which is... my life.

 

This budget must be completely separate from other ventures if you have any—meaning business balance sheets, company accounting records, or profit and loss statements at work. It should be related only to private life. Only.

 

1. How to Manage a Budget?

This topic is vast—so vast that it has been the subject of countless academic papers. Many have pondered over it for years, and many have lost their hair in the process.

However, I have found the answer:

 

Initial wallet balance for the day – Expenses (listed one by one, with a letter next to each, e.g., F for food) = Wallet balance for tomorrow.

 

Use a calculator or do the math in your head. That’s it. Thank you.

 

2. Why Do I Need a Personal Budget? I’m Not a Corporation!

This is a common mindset—"A budget is for businesses, not for me." But the truth is different: our life is our own "company," and each day is another transaction worth keeping track of.

 

If you don’t know where your money is going, it can easily disappear—just like water leaking from a cracked bottle. Tracking your expenses and income daily helps you avoid surprises and build financial stability.

This is where the 1% rule comes into play—if you improve your financial awareness by just one percent each day, in a few months, you’ll have full clarity and greater financial freedom.

 

Moreover, if I am playing the game of life with DailyInspire, I need to understand my finances and have complete control over them. I am the hero of this game, and I must know myself perfectly in order to complete my tasks.

A budget may seem mundane and far from exciting, but believe me—it is part of life, whether you like it or not. It is one of the fundamental pillars, and without it, everything else becomes unstable.

 

3. How to Build a Personal Budget?

In today’s world, filled with innovations like cloud storage, Web3, mobile applications, and smart homes, choosing a budgeting method that suits your needs is easier than ever.

 

Prefer an app? Go for it—there are hundreds available. Want to write your budget manually? Feel free—use a notebook, an Excel sheet, a budgeting app, or even the wall if that works for you. The only thing that matters is that it functions effectively.

 

I have chosen an app for now and will see if it works for me. If not, I’ll switch to a pocket-sized planner—something compact and always with me whenever I carry cash or a payment card (ugh, card…).

 

4. Rules. Yes—unfortunately, there must be rules.

It’s like watching 22 guys earning hundreds of millions of dollars a month running around a grassy field chasing an inflated balloon—they have rules too. If they can follow theirs, then surely anyone can.

The Three Essential Rules:

1. Record every expense—even the smallest ones.

2. Check daily if your balance matches what you've recorded.

3. Set a plan and save—put aside a tiny amount every day. Ideally, open a separate account or, even better, save in cash.

   • Example: A labeled envelope with “New slippers for grandma: goal 100 CHF.” Save 2 CHF per day, and in a month, grandma will be zooming around the kitchen like a Yorkie on steroids.

That’s it. Done. Simple rules, yet they will bring massive financial benefits.

 

5. Positive Goals - Connected to Personal Budgeting

Managing finances is not just about cutting expenses—it’s about making conscious decisions that create long-term benefits.

Smart Spending Principle

 

a) Don’t waste money on things that don’t add value to your life. Buy only what is truly necessary, and treat any impulse purchases as rewards for special occasions.

 

b) Reward Instead of Impulse

Small, unnecessary purchases should be a deliberate decision, not an impulse. The goal is not to eliminate them completely but to give them meaning. Let them be a reward for discipline, achieving a goal, or well-organized finances. This way, you can enjoy treats without guilt or financial chaos.

 

c) 1% Daily Improvement

Each day, take one small step toward better budget management. A single percent improvement each day—whether skipping an unnecessary coffee, reviewing subscriptions, or setting aside a small amount for savings—will lead to significant financial progress over time.

Small changes create massive results. Your budget is your power—use it to build financial security and independence.

 

Reflection for Today:

Start budgeting your day now!

Learn on small daily amounts because soon you’ll have to budget much larger sums. That’s where DailyInspire is leading. And that’s exactly how it will be!

 

Motto:

Join the wealthiest! Develop the habit of holding yourself accountable.

Tasks done Yesterday: Almost Completed...

 

Today's tasks:

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