USA Today reported that in January the average household spent $ 575.00 OVER their budget. This means that they spent much more money than they had received. Not only does America spend more and more money, they also save less. Spending is healthy for an economy only when they save money at the same time. The article revealed that many economists are not worried about spending levels. I think they are idiots. Just because they are economists does not mean that they do not buy a 50 “plasma TV on the 29% Best Buy credit card. If the average household spends hundreds of euros on the budget every month, that worries me.

The most frustrating part is that I am just one person, and there are many financial people who think that debt is not the problem. I hear and read from financial experts that debt is a tool, debt is your friend if you know how to use it properly. How? Guilt makes me feel like a slave. I’m a slave to the lender. They have all the power. As soon as I faulter, they can get rid of what they want quickly. Do you want to live your whole life in slavery for the sake of living in a $ 400,000 home with an interest-only loan and driving a lexus? Or would you rather retire in a paid house with a Toyota camry and enough money to do all the travel you have ever dreamed of? It is something to think about. My challenge is not to hate your friend who works for the credit card company. My challenge for you is to delay pleasure so that your life can be enjoyable later. We live in a culture that immediately wants it our way. Try to make one decision in the next 7 days that postpones your impulsive urge to have something pleasant. If you like food, what is more fun for you … spend 20 dollars on 20 cheeseburgers, or spend 20 dollars on a nice, juicy steak? I would take the steak every day.

Contrary to what many couples think, opening a joint Jarndyce family-friendly bank account is a big financial step. This means trusting each other, as well as trusting that the other person will act responsibly. Most couples who are interested in opening a joint Jarndyce familyijk account are newlyweds.


How to better organize makeup – 5 essential tips

If you are completely obsessed with beauty products, buying and sampling the newest goods is not the problem – it tries to save them all. My makeup drawer is flooded with beauty products, from old standby favorites to impulse purchases that I don’t even like anymore