Get Your Spending Under Control

I have learned over the years that most people don’t live within their means. Here are just a few examples I have seen that prove how some people have little concern for their overall financial health.

Some may buy a new car every two years and that’s fine if you can afford it. If you are lucky enough to have discretionary money and can afford this luxury you are probably not reading this. The problem with this practice is a two year old car, especially when trading it in for a new one, is generally not worth what is owed on it.

Some people will buy a bigger or more expensive home than they can afford. Especially young families tend to think they can buy the home of their dreams now and as their careers and income progress they can afford to pay it off sooner. To that end, they engage in what I like to call “income eaters” programs like an interest only mortgage where for x amount of time you pay interest only. Your plan, of course, is to be earning more money in the future and you will be able to afford to pay more on the principle plus the interest, maybe you will and…maybe you won’t. One thing is for sure though, all those interest only payments you’ve been making, went straight into the lining of someone else’s pockets. No equity for you, no financial gain, no adding to your bottom line.

A vast number of people misuse their credit cards on a daily basis. I’ve witnessed people standing in line to pay for gas or groceries and think nothing of using their credit card to pay for a cup of coffee. Most people carry a balance on their credit cards and make the minimum payment, which is applied mostly toward the interest. The problem with this practice is the balance never seems to go down. They also continue to use the cards and eventually the credit limit gets maxed out.

One thing I do find encouraging is I’ve observed that more consumers are using their debit cards, and since it is tied to a checking account, people are spending money they have rather than money from the future. That is exactly what you are doing when you make a credit card purchase.

You will never be able to improve your credit if you don’t get your spending under control. Not only that, you need to gain a better understanding regarding your household finances. When it comes to budgeting, forget about all that high priced budgeting software on the market, because you really don’t need that stuff. A pencil and paper will do just fine, or use the word processor on your computer.

Write down your total monthly income and all of your monthly expenses including current balances. You will use this as a basis for creating a budget that will help you move in the direction of better money management. The first step to getting your finances under control is to make sure you stop spending more than you make. So take a look at the income and expense statement that you just created and see what you can do without. Eliminate those expenses that you don’t need and reduce the cost of others where ever you can. Now if you have any left over, stash it away, don’t spend it. As you begin to pay off more debt and reduce expenses stash that money away also.

It is also a good idea to prioritize your debts so you can work to pay off those with a high priority first. While you are doing this consider the amount of interest you are paying on your debts. Those with a high interest rate should be a high priority.

Mortgage payments, car payments, and credit cards are the ones that usually report to credit bureaus so it is important to keep those accounts current and on time. This will dramatically improve your credit rating.

Medical bills and utility bills usually don’t report to credit agencies, you don’t pay interest on them, and if you communicate with them you can get some flexibility in paying. You definitely should pay those bills, but they should be your lowest priority, and in this order. Really, it’s quite logical when you think about it. If you don’t pay your utility bills then you won’t have any gas or electric, so pay those first, and then your medical bills.

To be in compliance with United States Federal Trade Commission Regulations, I must tell you that I, or my publishing company, may receive a commission from the sale of these products or programs. It takes a great deal of time to research, investigate, assemble, and publish, and to be honest, the few dollars  in commissions I, or my company, make in bringing you the best of the best in programs are what keeps my company going.  Allow me to take this time to thank you for reading this article and reviewing the following offers.


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