How many people are living beyond their means? How close are people to filing bankruptcy? Far too many are just a paycheck away.
According to Dr. Thomas Stanley, the author of “Stop Acting Rich,” most millionaires are millionaires because they live frugal lives. They have been saving money their entire lives. The majority of millionaires don’t live in million-dollar homes or drive top-of-the-line luxury cars.
Any idiot can spend money. It takes planning and discipline to save for the future.
How will the epitaph of a wasteful person read? “Here lies someone who drove a “Beamer” and lived in a house much bigger than he (or she) really needed.” Nobody cares what you drive or where you live.
Being in the mortgage business, I see quite a few credit reports. Many young people have account after account from stores like Pottery Barn, Macy’s, as well as several jewelry stores. It’s all about the “bling.” How much is enough?
If we don’t know how to budget, how can our children learn? We have become a “credit-card” nation, and this vicious cycle must stop NOW!
Show me a household that is upside down and I will show you a family without a budget. Everyone should have six months’ cash reserves to get them through the tough times and hold them over until another job can be found.
When a family spends their hard-earned money on non-essential items (i.e. junk), it is no wonder the mortgage payment comes up short.
Take control, set a budget, and get rid of those accounts that mean NOTHING!
Guild Mortgage – Boise Home loans – Craig Ballhagen 208-713-3309
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