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Conscience
When I was a child my parents told me what was right and wrong, school had its rules and church had its sins. To be a good boy, all I needed to do was obey all the do’s and don’ts. If I did, I was led to believe I was following my conscience.
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Heal Thyself First
As I connect with more and more women I am seeing that many have a desperate need for a man. I had one woman tell me that her ex-boyfriend put a gun to her head and told her to get out of his life. Stop following him, stop calling him and leave...
Homeownership: Could it be in Your Future?
Whether you are young, newly divorced or in transition, or a newcomer to America , you rightfully want full participation in the American Dream to own your own home. Still, renting might be the best choice (or only alternative) for you right now. ...
Life insurance: why there’s no need to be a desperate housewife.
Contemplating what may happen to your wife (or husband) and children if you die is not likely to be a thought you wish to contemplate. However, avoiding the issue may make life more difficult for your family after your death.
Life insurance...
Wouldn't It Be Nice if TIME Grew on Trees?
The top two things that people seem to want more of are money and time. As a matter of fact, more money and more time are the top two issues people come to life coaches for (they also happen to be the top two excuses people use for not hiring a...
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Spending More Than You Make
When you spend more money than you make each month you are
bound to have money problems very quickly. The bad part is
that most of us never realize we are spending that much until
it's too late.
How many times have you used the credit cards to buy a TV,
school clothes and supplies, fixed the car, or any number of
things and not realized that you just exceeded your monthly
income. You may have even realized it but thought there is
always next month.
Credit cards are the biggest culprit but they aren't the only
way to spend more than you make. Things like payday loans or
car title loans also come to mind. Paying $15 to use $100 for
a week doesn't seem too bad. However, when you consider that
you are paying almost 400% in interest over a years time these
loans make interest on credit cards look like a great deal.
Normally, installment loans have a lower interest than either
credit cards or payday loans but they can still cause problems
if you aren't positive that you can make the payments each
month.
I consider a house payment and the purchase of a car
the only real legitimate reasons for paying interest. Very
few people have the means to make these purchases with cash.
If you aren't careful you can still get yourself into trouble
by buying or renting more house that you can afford or
having
car payments that don't fit your budget.
I just recently received an email from a lady stating that her
and her husband wanted to buy a new car but really didn't know
if they could afford it. This family probably saved themself
a lot of headaches just by asking that question. I wrote back
showing her how they could determine if they could afford the
car or not.
My answer to her question was to have her develop a budget,
listing all of the other bills and expenses they have, and
then see what's left over. I also reminded her that she should
consider the extra costs like insurance, maintenance, etc.
Over the years I have seen people with as little as $500 a
month income manage their finances very well while someone
else with $5000 income can't make it last the entire month.
It all boils down to planning. If you plan your bills and
purchases each month with the goal of not exceeding your
income, you can make it on almost any income.
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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