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A Crash Course in Tarot for Newbies #1
The Tarot is not just a divinatory tool, but it can also be utilized in the appropriately trained hands as a tool for providing counsel and advice with which we can navigate life. It is an antique form of divination that predates popular psychology,...
Bay Leaf Ritual for the New Year
HI would like to share with you a ritual I do every New Year's that is quite involved and requires a lot of thought and meditation time. It is derived from an ancient Greek ritual for prosperity and fertility. As you may recall, ancient...
Credit Card Blues
For the average American family, debt, and especially credit card debt is spiraling out of control at a record pace. The average household credit card debt has risen dramatically from $3000 in 1990 to over $8000 today. Personal bankruptcies are...
How to Recognize Elder Abuse and Protect Its Victim
The victimization of the elderly, often by a spouse or adult child, is virtually a national epidemic. The victimization of the elderly, often by a spouse or adult child, is virtually a national epidemic. A complex mix of psychological, social,...
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...
 
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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Personal finance advice, news - CNNMoney
News & advice on retirement planning, college saving, taxes, mortgages, autos, real estate, investing and more from CNNMoney.com.
money.cnn.com
 
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Combines practical personal finance advice, calculators and investing tips with business news, stock quotes, and financial market coverage from the editors ...
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Personal Finance, Personal Finances, and Financial Advice - Forbes.com
Personal Finance - Get financial advice and information from Forbes.com.
www.forbes.com
 
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globeandmail.com: Personal Finance
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Personal Finance Newsletter
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