Did you know that the holidays are only 3 months away? Soon many people’s thoughts will turn to the upcoming festivities, parties, and finding that special gift for the special person in your life.
Unfortunately, many people will pay for those parties and gifts by going into credit card debt.
Life is all about choices. We have all heard the definition of insanity, “continuing to do the same things, over and over, and expecting different results.”
We have all been there; that tiny thought that creeps into your mind that says, “I really can’t afford this, but I have been working so hard. Just this once, I am going to treat myself.”
Often times we avoid the “thing” we don’t want to face. Every sci-fi movie ever made has the people in charge trying to destroy the alien instead of understanding “why” it is here! Something that may have helped us is considered a threat because too many people automatically think, “but that’s the way we’ve always done it!”
So, if you refuse to think differently than you have always thought, how do you take control of the pile of bills, the lack of necessary income, the failing business or the business that you were sure would bring you the income of your dreams but has yet to deliver?
This is where your wants and needs come into play. Suze Orman, internationally acclaimed financial expert, suggests that if you have several credit cards that need to be paid off; take the card with the lowest amount and pay it off. Then with the money you were using to pay off that card, put it towards the next card. Continue to follow this step until all of your cards are paid off. If you have to use your card again, make sure you pay it off every month. In other words, don’t spend more than you can pay for in one month!
This is where our wants and needs come into play. When you stop at your local coffee shop each morning, you might ask yourself, “is this a WANT or a NEED?” Many of you feel you NEED that cup of coffee but often times it is the ritual or status symbol of walking in with your designer coffee that satisfies your inner WANT.
When you are ready to start a New Beginning and get your “WANTS” and “NEEDS” in a place where your “WANTS” can be paid for every month, you will then be in a place to control that pile of bills, create necessary income, and even have the strength to let go of the failing business or the business that you were sure would bring you the income of your dreams but has yet to deliver!
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