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Bugleboy
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Joined: 24 Jan 2005
Posts: 82
Location: Somewhere out there....

PostPosted: Wed Aug 07, 2013 3:43 pm    Post subject: My Two Cents... Reply with quote

Many people live paycheck to paycheck. They have no real savings much less the means to take care of emergencies that take place in our day-to-day lives. In fact, this phenomenon is responsible for the rise of so many payday loan companies and the use of credit cards. (Wal-Mart dropped its lay-a-way department in lieu of their credit card program. They make a ton of money off of interest.)
Personal Security is more than just protecting yourself from a home invasion; it is about protecting yourself from all kinds harm. Now, many people say you canít buy happiness. Perhaps that is true, but I will ask you have you ever seen a person with money, not be able to take care of problems?

Baby Steps
#1 Start Saving. I tell people to use the sock method. That is, find one of your mismatched socks and start storing your cash in it. Start small, and the key is to be consistent. I favor small bills over large bills. In an emergency people are not going to have change.

#2 Budget. Write down your monthly expenses and use that as your spending guide. You will find that when you write stuff down, you will gain about $35-$75 dollars. You must be honest with this. Any trip to a vending machine needs to be accounted for.

#3 Get Debt Free. If you look at what your bills look like add up how much interest you pay to credit cards and loans. Think of it this way, if you pay off those debts, you get that money as a pay raise.

#4 Set goals. My goals are very personal, but here is what I want to have in a nut shell.
Be debt free
$10K in cash at home. ←Emergency Fund
1 year of salary in a savings account.
Fully funded retirement accounts.
-- Roth IRA
-- 401K

You will find that when you have set aside money for problems you will have less problems to deal with.
One of the many people you should look up is Dave Ramsey. His website has a wealth of information on money. http://www.daveramsey.com

If you have any opinions on this subject, please be sure to post your comments below.

BugleBoy
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"Abe Lincoln may have freed all men, but Sam Colt made them equal."
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Sensei
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Joined: 24 Jan 2005
Posts: 6660
Location: Here Now. Somewhere Else Later

PostPosted: Wed Aug 07, 2013 4:26 pm    Post subject: Reply with quote

Thanks Bugle Boy. Good, practical tips.

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