Breakthrough Money Discovery
News flash - Having more money will not solve your money problems.
I can’t tell you how it drives me nuts when I hear, “If I just made $10,000 a year, man, I’d be set.”
No you wouldn’t. You’d just buy $10,000 worth of crap and be back in the exact same place you are now. You’d still have crappy spending habits and no self control.
Let’s get this straight. If you have it together now, you’ll have it together with a higher (or lower) salary. If you can’t live below your means and save a little something for the future now, you won’t be able to with more money.
I’m not trying to sound preachy. I’m just a regular guy. Thirty-something with two kids and a mortgage. My wife and I paid for our college degrees the old fashioned way - with student loans. We bought our house the old fashioned way, too - by living in a crappy apartment and saving like crazy for a down payment.
Your money decisions are yours alone. Hell, your life decisions are yours alone. Regular guys and girls can do it. You absolutely can live a balanced life, pay your bills, and save some money.
You just have to want to.
Making an extra $10,000 per year - that’s the easy part. Changing dumb money habits into smart ones - that’s the hard part.
October 25th, 2007 at 4:20 pm
I sort of agree and disagree. That is, I agree with you 100% that if a person isn’t on top of their finances when they have little, more money won’t make a difference.
I disagree on the idea that money won’t make a big difference. $10,000 more per year for us would mean more debt repayment, and (dare I say it?) health insurance (of course, it would help if I worked for a job that offered health insurance. without an employer copay it’s not feasible. we could afford it if/when I get hired because the employer puts in a fair amount. But $10,000 could cover the higher rates I’ve found.). Maybe some savings.
October 25th, 2007 at 4:32 pm
Same reason why most lottery winner eventually go bust. Money is not an objective - it is a lifestyle.
October 31st, 2007 at 12:43 am
Sweet! I’ve done the hard part! (I think) sooooo… how do I do the easy part?