Personal Finance and Personal Responsibility
By Cache Spencer
The United States is a debt-plagued society. We all are so caught up trying to "keep up with the Joneses" that we have forgotten to stop and think if that is really what we want. Lets really stop and think about this for a minute. Would you rather have a lot of financial stress that comes with hording a whole bunch of "nice things" and a big house, or live financial stress free because you have a moderate home that you can afford and some things that you paid for with cash?
I submit that most people would choose the stress free life if they could look past all the social pressures that we as a society have put in place--pressures that say we have to appear rich at all costs to be accepted.
This kind of mindset is a plague and just like the plagues of old it will destroy our society. We are seeing it firsthand today how our greed, lack of self-control, and pride for so many decades is catching up with us. Our economy is going to craps because of this plague that we let creep into our lives.
To be able to fix this problem, as a society, we need to start taking responsibility for our own actions. The solution starts with the individual. Until a person decides that they are in control of their money, they will be pushed around like a leaf in the wind spending more than they make on things that will not satisfy. Stop it! Wake up and pave the way for a financial stress free life. Live within your means and be grateful for what you do have!
Look at your expenses and decide what you can live without and cut the excess spending out of your life. Next, create a plan for which order you are going to attack your current debt. Pay the minimum monthly amount on all your debts and then pay as much extra as you can every month towards the smallest credit card balance or loan. When that is paid off, put the extra amount towards the next largest debt and so on until you have paid off your debt.
Find a way to earn extra income to speed up this process of paying off debt and building up a savings account. There are plenty of ways to make extra money these days, especially on the internet. One of my favorites for making an extra few hundred dollars a month is taking paid surveys online.
The point is to accept responsibility for your fiscal life and take immediate action to mend your personal fiscal wounds. Don't delay or it will only get worse.
About the author
Cache Spencer teaches people how to get paid to fill out survey. One of the best paid survey companies is surveyspot. Visit cashtospend.com today to get started. from http://www.FreeArticlesAndContent.com
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