|
Author: David Wilding Article source: http://www.livingnow.info/. Used with author's permission.
The New Year often brings with it a desire to right the wrongs in your
life. From this desire springs the tradition of New Year resolutions.
You should take advantage of this to change your financial situation.
There is a good chance by the time many of you read this, you will
have already made and BROKEN your financial resolutions. Those of you
who have not already done so, know they are hard to keep. You can
change that. Anytime is a good time to make financial resolutions.
Since you are thinking about this, you must suspect a problem. The
first step is defining the problem. Define it specifically. "I spend
too much money", is not good enough. You spend too much money on what?
Why do you spend too much money? It is not often you are speaking of
life's necessities here. You need to specifically target your problem
areas.
The best way to identify problem areas in your spending, is to pull
out your check registers and credit card statements for the past
twelve months. Write down all checks and charges for items other than
necessities. This spending will be your gold to mine.
After making this list, add up the total amount of these expenses.
This will be a very revealing exercise. For some the total will be
staggering, especially when done for a twelve month period.
Pay close attention to checks and charges for restaurants and fast
food chains. Look at the amount and frequency of payments to
convenience stores. Examine closely the spending on your home and your
closet.
Using this information you become aware of your weaknesses and where
they occur. You are now better equipped to overcome them. You need to
make conscious decisions to stay away from the places where you
overspend. If you don't go there you won't be tempted to waste your
resources and place your financial life in peril.
Now, armed with these bits of information you can boldly and
successfully make resolutions. Remember, changing your behavior is how
you will keep these resolutions. If you fail, and you will, just climb
right back on the resolution wagon. Dogged repetition will help you
succeed. Check how you are doing on a monthly basis. Make any
adjustments needed.
Putting your financial house in order and becoming debt free is a
process before it is an event. (C) David Wilding
David Wilding has for the past ten years worked with groups and individuals to rid their lives of debt. Visit his website http://www.debtattack.com for more ideas, tools, and strategies to become debt free.
How to Get Financing after Filing Bankruptcy
If you're thinking about buying a home but have declared bankruptcy in the past, don't give up hope. There are still ways for you to be able to find a loan, eve...
Do Authors Need a Website?
Are you and author wondering whether it would be useful to set up a website? Find out the answers below ...
Creative Thinking versus Critical Thinking
Creative thinking versus critical thinking - one element in the art of managing creativity and innovation
Choose Happiness
It's a beautiful spring day in Beverly Hills, California. I'm looking out my window at elm trees in full leaf and roses in full bloom, and thinking about the p...
Barbecue for You
We all love a great barbecue but just where did it originate ? learn about its history and how it came about.
Troubled Teens
How to cope with a troubled teen. Dealing with anti-social behavior, depression and lack of motivation.
Link Building for Hilltop
Hilltop and other authority-based link popularity algorithms make it challenging to obtain high rankings for a new Web site. SEO consultant Andy Hagans uncovers...
When to Hire a Professional SEO Firm?
In efforts to increase sales and profitability, more and more companies are turning to online marketing initiatives - specifically, search engine optimization. ...
Inside Secrets of a Beauty Consultant - Painless Hair Removal Tips You Can Use
If you have been shaving for a number of years you may be amazed when you hear claims that there is such a thing as painless hair removal that lasts. Well, now ...
Implications Of E-Commerce For Tax Legislation
As e-commerce develops ambiguities in the current tax code in which it may be exposed.
Questions To Ask The Landlord Before Renting His Apartment
Before you finalise on the apartment, there are a few questions you need to ask the landlord so that there is no reason for disagreement later on during the lea...
Could Your Thoughts Sabotage Your Happiness? Take This Quiz And Find Out
Women are conditioned to be people pleasers. Women are taught to be "nice" even if that's means comprising their happiness, and often times that is exactly what...
Genital Warts Natural and Alternative Treatment Remedies
Genital warts is one of the most common sexually transmitted diseases - before jumping into expensive and invasive medical treatments you may wish to explore al...
Ayurveda and Yoga, Ancient Sister Sciences
Ayurveda and yoga are sister sciences that have been united for thousands of years for the sake of healing body, mind, and consciousness. Generally speaking, Ay...
Five Top Tips For A Prosperous 2004
According to many market forecasts, 2004 is likely to be a buoyant year online. These are my top tips for making the most of it, and ensuring a happy, healthy a...
No Credit, No Money, No Problem! Getting Started in Real Estate Investing
You have to have money to make money. This article challenges that assumption for real estate investing. Sometimes, you don't need a thin dime.
Network Marketing Offers – Which One Should You Pick?
Network Marketing is awesome! It's a powerful 75-billion-dollar-a-year industry, practiced all over the world! The problem is, there are so many offers out ther...
Why Do I (You) Collect?
Collecting is totally emotional for me the value is not important, it helps me to eternalize my memories of loved one's and good times and that my friend is pri...
Baby’s First Shoes: How to Choose the Right Ones
Any parent of an active toddler has asked this question: "When should my child start wearing shoes?"
The Thermogenic Fat Burner
The term 'thermogenic' refers to a group of drugs or herbs, which have the ability to stimulate the central nervous system and thyroid gland. The idea behind th...
Nosy and Intrusive Spyware Applications
Spyware can download onto your computer without your permission.
Trade In Your Diet For A Lifestyle!
Dieting is a pain. I think basically everyone would agree that having to adhere to a rigid restriction of your free-flow eating preferences puts a bit of a dam...
Niche And Grow Rich
Unless you've been living under an Internet rock, you've
probably heard the buzz about Niche Marketing. Right now
it's the hottest marketing topic online.
Securing Your Computer to Keep Up with Internet Threats
Using more than one security tool will help in keeping viruses and spyware threats at bay.
|
Print this page