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1-2-3 Stretch Your Mind!
Yesterday my daughter Katherine and I went out to breakfast. After discovering our favorite Sports Cafe, Goose Loonies, no longer served breakfast on Sunday mornings, we decided to go a completely different route.
We chose a local Hometown...
Life insurance, the universe and everything
You may have noticed that life insurance is coming back into fashion. It’s true that it may not be the financial term on everybody’s lips, but sales of life insurance have been going up, according to the Association of British Insurers. Whilst we...
Moving Home – A Stressful Time
Moving home involves a lot of work. There are also a lot of financial considerations that people generally are not used to. Engaging a solicitor, arranging the mortgage, paying for bridging finance if it is necessary, seeking the best selling...
Sorting Your Money
For anyone that is familiar with The Complete Budget and Bill Organizer, http://www.homemoneyhelp.com/BBOonline.html you already know that I recommend that you use your checking account to pay bills and cash to cover your household expenses. With...
Ten Financial Tips for Women
On average, women earn 76 cents for every dollar men earn in the workplace. Because women typically spend approximately seven years out of the work force to have and raise children, their earnings are even further curtailed. With lower pay and...
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Only You Can Prevent Money Problems
People experience money problems for a variety of reasons. Maybe you lost your job, used your credit cards too much, have a bunch of medical bills, paid too much for your dream home or any number of other reasons.
What ever the reasons for your money problems, most of them could be prevented. I know for a lot of you, I am talking in the past tense. The problems are already here so prevention is irrelevant. This is not the case.
Only when you understand how you could have prevented the problem in the first place will you be able to fix it. We don't need to look at symptoms here, we need to explore root causes. I have developed a theory. Some people aren't willing to sacrifice, no matter what the rewards.
Sacrifice and discipline go hand in hand. It seems that our parents and grandparents understood this better than we do. They had to sacrifice just to put food on the table. They also understood that they had to forego what they wanted to have what they needed.
I believe that most of us have a basic understanding of discipline, however in
today's society we don't have to choose between food and a big screen TV. We want it all - we can have it all - NOW. It's too bad that many times this will come back to haunt us.
If you want to prevent your money problems, you have to have the discipline to sacrifice. You need to understand that your needs come first, that you have limited financial resources and that never spending more than you earn each month is essential to your families financial survival.
It is even more important that you learn discipline and sacrifice if you already have money problems. When you develop these skills and hopefully overcome your financial woes, you will have a better chance of preventing it from happening again.
About the Author
Terry Rigg is the author of Living Within Your Means - The Easy Way http://www.homemoneyhelp.com/ebookadpage.html and editor of The FREE Budget Stretcher Newsletter and Budget Stretcher web site http://www.homemoneyhelp.com. He has 25 years of experience counseling individuals and families concerning their personal finances.
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