In these hard economic times it is getting more important that we keep on track. Saying that you have no problem in your financial world when you struggle at every paycheck is lying to yourself.
I know that I have said this before but it is so important that I want to say it again. If you haven’t already done it and if you have but really need to do it again ( I try to do it at least every three months.) Look at your money spending for the last two weeks. The total should match your income. If it doesn’t, then try to figure where that money went. Then look at your expenditures that should give you an idea where your problem is.
No one is born with the knowledge of how to handle money. We must learn how. But it is hard to find someone to teach us.
Admit that you are having a problem. Research to find out about how to control finances. Some good books are:
- Debt Free Living by: Larry Burkett
- Living well on one income (in a two income world) by: Cynthia Yates
- The Total Money Makeover by: Dave Ramsey
- The financially challenged by: Wilson J Humber
Go on a quest to learn more about money. You don’t have to enroll in school or watch all the tv programs you can find. Just read something about money at least once a year to keep you on track
Learning about money shows that you care about yourself and those around you.
Wealth doesn’t just happen. You need to spend some time and effort on learning how to manage and use money to your best advantage.
The need for approval and respect drives us to do some really dumb things. One of those things is buying things that we don’t need in order to look wealthy to those around us or to just have something to do. We must get to the place that others opinions are not important. What is important is that we learn to manage our money so that we have adequate food clothing and shelter and a peace of mind that only comes from being out of debt, having a little money in savings for emergency and knowing that our family is together and taken care of.
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