And Now? Naturally, this would be your other bills. You can even split this category a little further.

First, you have your bills that are secured by property. You should always pay these bills first.

Secondly, your unsecured bills which are probably credit cards.

The reason you should always pay your secured bills first is that it is much more likely that they can take secured property and probably will unless payment is made. While credit cards companies are notorious for their threats, they very seldom follow through. I'm not saying not to pay them, just that they aren't as high a priority as your secured bills.

Next would be your savings. I really to hate to list savings as your last priority because having a savings can prevent use of those dreaded credit cards and help in so many ways. If you have money to cover all of your other priorities then you should always put savings at top of list. However, if you don't have enough money to cover your bills and expenses then your savings will have to be first to go.

Just to recap. The below list is an example of what your financial priorities should look like:

1. Groceries and Necessary Health Items 2. Housing (Rent or House Payment) 3. Utilities 4. Transportation 5. Secured Bills 6. Unsecured Bills 7. Savings

Let's hope that you never get in position to have to decide which of above list will have to wait. But if you do, following above priorities is absolutely necessary to ensure your survival.

4. BURN THEM LONG ENOUGH Have you ever seen a three-wick candle that looked like Mickey Mouse? For pillar candles, make sure you burn them for at least one hour for every inch in diameter. Skip this step and you’ll end up burning a tunnel through your candle.

5. EXTINGUISHING THE FLAME To blow out a candle, a candle snuffer works best. If you don’t have a candle snuffer readily available, you can blow out candle by placing an index finger in front of flame and blowing gently. This causes air to surround flame and minimizes splattering of hot wax from wax pool.

6. SAFETY FIRST Keep all lit candles out of reach of children and pets. Never leave a burning candle unattended. And always burn candles in a well-ventilated room.

7. CLEANUP If wax has spilled on carpet best way to remove it is with paper and an iron. Place a paper towel or brown grocery bag over spill. Place a heated iron over paper towel. The heat from iron will cause wax to melt and be absorbed into paper towel.