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Further
Reading ...
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Dog Rescue: Is it Right for You?
Ever had a hankering for a certain breed of dog? Not an obsession, mind you – not the sort of longing that would send you rushing to a breeder, thousand-dollar-bill in your sweaty palm – but just a gentle appreciation for the virtues of the...
Growing Pains
Growing up is never easy. Just ask Little Lady, almost three-and-a-half, how hard it is. She’ll tell you. “It’s really, really hard. Half way through the day, my parents are a complete wreck.” She’s right. Sometimes the tension in here...
Back to School-Advice
It's back to school time.... Do you have everything you need to start the year off right? Confidence is key to success! For those first time jitters help welcome your pre-school and kinder students with a walk to the door and a quick goodbye. Quick...
Marriage dreams when fails !!!
Marriage and Attraction: Relation is successful as long as there is attraction between the partners. Attraction of actions, attentiveness, beauty, behaviour, caring nature, sexual satisfaction and etc, contribute to prolong relation. Activities to...
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Spending More Than You Make
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Written By:
Terry J. Rigg
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When you spend more money than you make each month you are
bound to have money problems very quickly. The bad part is
that most of us never realize we are spending that much until
it's too late.
How many times have you used the credit cards to buy a TV,
school clothes and supplies, fixed the car, or any number of
things and not realized that you just exceeded your monthly
income. You may have even realized it but thought there is
always next month.
Credit cards are the biggest culprit but they aren't the only
way to spend more than you make. Things like payday loans or
car title loans also come to mind. Paying $15 to use $100 for
a week doesn't seem too bad. However, when you consider that
you are paying almost 400% in interest over a years time these
loans make interest on credit cards look like a great deal.
Normally, installment loans have a lower interest than either
credit cards or payday loans but they can still cause problems
if you aren't positive that you can make the payments each
month.
I consider a house payment and the purchase of a car
the only real legitimate reasons for paying interest. Very
few people have the means to make these purchases with cash.
If you aren't careful you can still get yourself into trouble
by buying or renting more house that you can afford or - continued below ...
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continued ...
having
car payments that don't fit your budget.
I just recently received an email from a lady stating that her
and her husband wanted to buy a new car but really didn't know
if they could afford it. This family probably saved themself
a lot of headaches just by asking that question. I wrote back
showing her how they could determine if they could afford the
car or not.
My answer to her question was to have her develop a budget,
listing all of the other bills and expenses they have, and
then see what's left over. I also reminded her that she should
consider the extra costs like insurance, maintenance, etc.
Over the years I have seen people with as little as $500 a
month income manage their finances very well while someone
else with $5000 income can't make it last the entire month.
It all boils down to planning. If you plan your bills and
purchases each month with the goal of not exceeding your
income, you can make it on almost any income.
About the Author
Terry Rigg is the author of Living Within Your Means - The Easy
Way http://www.homemoneyhelp.com/ebookadpage.html and editor
of The FREE Budget Stretcher Newsletter and Budget Stretcher
web site http://www.homemoneyhelp.com. He has 25 years of
experience counseling individuals and families concerning their
personal finances.
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| _Additional Resources ... |
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Syndrome X - What Is It And Have You Got It?
Syndrome X or the X factor as it is sometimes known was first described in 1988 by Professor Gerald Reaven , an endocrinologist at California’s Stanford University after twenty years of study. Since this first identification the understanding of...
Planning a Baby Shower? : These Tips Make It Stress Free
One of the most pleasant parties to plan has to be the baby shower. The mom-to-be gets so much attention and she can just sit back and enjoy all of the fuss. The key to creating this wonderful event is organization. Here's everything you need to...
Mesothelioma is a type of cancer
By: Alan Jason Smith
Site: http://www.abemesothelioma.com
Mesothelioma is a type of cancer affecting the cells of mesothelial lining in the chest and abdomen. Mesothelioma is rare, though it appears to be on the rise. Approximately 2,000 to...
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