Financial Security. Its Greatest Enemy.

Written by David Wilding


Continued from page 1

How about identity thieves? They pilfer your financial information, and run wild withrepparttar accounts they set up. They rummage through your trash, set up scams, and flat out steal your info. They definitely qualify as real lowlifes. Neverrepparttar 111854 less, they aren’t your greatest financial enemy either.

So how do you find your greatest financial enemy? You go look inrepparttar 111855 mirror. This isrepparttar 111856 person you really need to watch. This is who gives into all ofrepparttar 111857 credit offers inrepparttar 111858 mailbox. This person watchesrepparttar 111859 television and readsrepparttar 111860 magazines; then responds torepparttar 111861 ads that are displayed. It is this same person who is careless with their financial information or falls forrepparttar 111862 scams.

This isrepparttar 111863 man or woman who spends more that they make. This person refuses to save any money. It is this person who doesn’t invest forrepparttar 111864 future. This is alsorepparttar 111865 person who doesn’t educate themselves in matters of money. This is your greatest financial enemy.

It is this person who ruins all your dreams. It is also this person over who you haverepparttar 111866 most control. Do not look anywhere else forrepparttar 111867 cause of your financial problems. You are in charge and you are accountable.

You need to takerepparttar 111868 time to investigate all matters financial. You need to educate yourself concerning money, credit, debt and its uses. You arerepparttar 111869 one who needs to curb your spending. You arerepparttar 111870 one who needs to establish a plan for your savings and in turn your future. Your greatest enemy is inrepparttar 111871 mirror, and so is your greatest help and friend. Depending on who or what you see determines what you need to change or what you need to keep doing.

(c)2005 David Wilding

David Wilding has, for the past ten years, worked with both groups and individuals to help them rid their lives of debt. Visit his site http://www.debtattack.com for more ideas, tools, and strategies to get rid of your debt.


How To Budget Your Household Accounts

Written by John Mussi


Continued from page 1

Next, concentrate on your expenses. Inrepparttar top right section ofrepparttar 111852 page, list all your "fixed" expenses — those that arerepparttar 111853 same each month — like mortgage payments or rent, car payments, and insurance premiums.

Then, listrepparttar 111854 variable expenses — like groceries, entertainment, recreation, and clothing

Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritizerepparttar 111855 rest. The goal is to make sure you can make ends meet onrepparttar 111856 basics: housing, food, health care, insurance, and education.

Once completed, analyse your figures. Ask yourself some very hard questions! “Do I really need to buy this item?” Do I have to have that latest gadget?” Sometimes, just by performing this very basic task you may find that you can make some very obvious savings.

Once you have carried out this exercise, it is a good idea to go through it again in a month’s time just to make sure that your spending is not reverting back to it’s bad habits.

A useful suggestion would be to make use of your computer. Computer software programs can be useful tools for developing and maintaining a budget, balancing your cheque book, and creating plans to save money and pay down your debt. If you do not own a computer you can utilise your public library and bookshops as they have information about budgeting and money management techniques that you could find beneficial.

You may freely reprint this article providedrepparttar 111857 author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online loans via the http://www.directonlineloans.co.uk website.




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