How Did I Get In This Mess?

Written by Terry J. Rigg


When I was younger and having all kinds of money problems, I ask myself a thousand time how I got myself in this mess. It seemed like one day we were doing fine financially andrepparttar next we owed everybody. How can it happen so quick?

This is a problem that a lot of people are experiencing today. It can be one ofrepparttar 110341 most helpless and frustrating situations most of us can find ourselves in. To make matters worse, it seemsrepparttar 110342 harder we try to get a handle on our financesrepparttar 110343 deeper in debt we become.

There isn't an answer that covers everybody, naturally, but I believe that in most cases we simply weren't paying close enough attention torepparttar 110344 details of our finances. We figure that an extra payment here or there won't make a difference, until it's too late.

I know for myself and most ofrepparttar 110345 people I have counseled over repparttar 110346 years, that it wasn't until we took a good hard look at how we got ourselves in debt, that we were able to start working on a way out. This isn't forrepparttar 110347 purpose of placing blame, but is necessary to determine what changes needed to be made and to prevent it from happening again.

I have found that very few people, including myself, have ever been taught evenrepparttar 110348 basics of proper money management, either at home or at school. This hit home when I had to teach all three of my kids how to fill out and maintain a check book, after they graduated from high school. I assumed that they would learn this in school. I realize now that I should have been more aware of what they were not learning and acceptedrepparttar 110349 responsibility of teaching themrepparttar 110350 fundamentals of handling their money myself. That was my job.

How to Make Money

Written by Terry J. Rigg


For years I believed that if I only had more money all of my problems would be solved. Then I would get a raise or change to a better paying job and my money situation didn't change. I just couldn't understand why.

The fact is that most people have that extra money spent before they get it. How many times have you heard someone say what they are going to do with their tax refund? The same thing goes for a pay raise.

Normally, they never even notice any change in their lifestyle after they getrepparttar raise. I saw a survey on a web site a few days ago that showed that only 35% ofrepparttar 110340 people responding to repparttar 110341 survey had a budget in place full time. This is because many people are afraid of budgets. It restricts them when they find something they want to buy. If they only knew that a budget isrepparttar 110342 only means for them to get what they want and be sure they can afford it.

With a carefully developed budget, you not only have money for your bills, but you can plan forrepparttar 110343 things you want. There are a lot of ways to find money. By learning how to cut your current spending, you will probably find that between 10% and 25% of your spending is unnessary.

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