Cristmas Cheer and a Debt HangoverWritten by S Lockley
Christmas is a time for celebration. A time to spend with family, friends and loved ones. This is a time to savour all that is good in life, to rest, relax and recuperate ready for a new year. Unfortunately Christmas is also a time when people overspend and can push their lives into a spiral that will take many months to correct.If you wish to deal with debt problems first place to start is by realising that it is possible to have a good Christmas without running up large debts. This is a time to spend with people rather than on presents that people do not really need or want. It is all too easy to fall into trap of thinking that you have to buy someone a gift and then spending hours just looking for something to buy. Consider this for a moment how you would feel about a gift if you realised that person giving it to you had been forced to go into debt in order to make purchase. Could you enjoy gift – probably not? Do not buy presents that you will still be paying for in six or twelve months time. Of course you might be reading this after Christmas when damage has been done. The credit cards have reached their limit, parties have been enjoyed, presents have been put on one side and all that remains are a few memories and pain of paying for it all. Large numbers of people live their lives by getting into debt at Christmas and then spending half year to pay off those debts. They then get into debt for a summer holiday and spend next six months paying for that. Other people find that debts are piled upon debts and never really reduce. If you fall into either of these categories it is time to change. If you wish to get out of debt and free yourself from stress that it causes then there is only on place to start. You must begin by recognising and accepting that you have created your current situation. You will only get out of debt by changing way you handle money and you will only change if you first accept that you have caused your problems and you need to change.
| | Why Some people Almost Always Make Money With InvestmentsWritten by Harold D. Swannson
Real estate investment takes motivation, drive and ambition on your part if you want to see your hard work turn into a huge profit. If you, yourself don't have enthusiasm, chances are, your real estate investment days won't last long or make you much money. But, if you do, possibilities are endless and so is your financial gain. So, don't trust that just location of property is going to be enough to make you money you've been dreaming of. You need to make sure you spend time to find an agent that is excited and motivated to sell homes and that knows how to make you both a lot of money.Think about it this way: if you hire a real estate investment agent that talks down about a property or location instead of highlighting its potential or good points, how quickly do you think it's going to sell? So, make sure your agent is positive and has your best interests in mind. Also, don't be afraid to bargain, negotiate or try to make deals with your real estate investment agent because you never know what someone will accept. It's always better to try than to always wonder how much you could have saved. If you're thinking about getting into type of real estate investment that involves fixer uppers, be careful. Think long and hard before setting yourself up for this kind of project because it is time consuming and sometimes costly. You have to make sure that your costs in this type of real estate investment will ultimately be minimal compared to your gains.
|
