Money, unlike what people think is not an tool of trade, but of manipulation. Whereas barter is regarded as "outmoded" and "outdated" this was basically the mode of trade until recently. Money launched since people considered it prudent to exchange, pebbles, trinkets and later gold and silver coins, for your things they desire.
Ahead of money regulating people's lives, ancient societies could exist and live of their means, simply consumed whatever they needed, without any overconsumption or abuse of the environment.
Enter in the Goldsmiths and Bankers
When goldsmiths entered the fray, they provided people who have certificates, as proof that they were custodians of these gold. People then used the certificates to do business with one another, rather than actual coins. The goldsmiths cleverly became aware of this lag between gold deposits, and the actual calling up of gold and gold coins.
These goldsmiths then created "fake certificates", and loaned them in an interest, to anyone that recognized the "trading value" Thus money was born. These goldsmiths refined their operations and also the banking system came to be. The well known family, by the name of the Rotchilds, were merchants, who consolidated their banking businesses in this manner, and took their operations global.
These elite banking families, became, exceedingly wealthy, and could literally buy up governments. With the consolidation of their banking interests, they provided further, "fresh air money", as loans to governments and populations, at interest. The paper money which was created, was fake money but the repayment,was with actual money earned by workers, and taxed by government.
Consumerist scams
Society is further scammed in a materialist culture, of "name brands" clothing, technology (apps, mobile phones, tablets, "high living" and celeb worship.) These ego projects, produce a huge demand, and compels visitors to go shopping they could ill afford. "Easy" credit is then availed to secure these "trinkets", causing further debt slavery for the banks.
Personal Discipline
We will need to avoid all these scams which can be in the market to ruin us. As we can see the brief example, above of precisely how money is built to enslave us. Why don't we craft your own path, by considering these options;
Unless it is a mortgage or vehicle finance, avoid all loans
Buy decent clothes, but no big brands, at half the price
Make an effort to save 10% of money
Support small company, to produce a sense of community
Put money into property, rather than second or third vehicle
Learn how to number crunch, and grow financially savvy, or enlist the help of accountants
Accountants may help you on evaluating "inflated interest" on goods purchased
Tend not to be seduced by "gadget/invention "promotions scams.
Opt for picnics or hikes, as opposed to outings at malls, you'd reduce expenses.
Usually do not invest, in items that offer returns higher than 20%
Try to keep from Ponzi schemes, even if the promoters say "it's not really a scheme", you wasting time on goods that fail.
Plan your taxes, and just pay the minimum.
