Ready to put some money back in your bank account? You've come to the right place.
photo by Jeff Keen
This list may be a wake-up call. If it is, start making some changes because there is no way you’re going to get out of trouble unless you change you mindset, change you habits and change you life.
- You’re having trouble saving your income. Pick an amount and start today.
- You don’t know how much money you owe. Big problem. Go get a reality check and add it up right now!
- Your friends wonder how you manage to live so well. Ouch – the truth is you’re wagering your future against the present and you’re losing!
- You’re paying some of your bills with your credit cards. First problem is you can’t pay the bill. The second is you just increased the bills amount by adding finance chargers. The third, you probably can’t pay the credit card bill either!
- You borrow money from relatives and friends. They don’t mind helping you out because they like you. Right? … For now.
- You’re bouncing checks. Pay attention! Each mistake you make like that has a fee attached to it makes the problem worse.
- You don’t need or want some of the things you buy. Go find the stuff you don’t need or want and return it or sell it. Find a way to return some value from your poor decision.
- You get turned down for credit. First off – why do you need MORE CREDIT? Second, GOOD! Fix your current credit and solve your problem that way instead of looking for more. Additional credit will only make the problem worse.
- You stop opening mail and start ignoring bills. You can’t ignore this problem. It won’t go away unless you make it go away.
- Money is haunting your thoughts, keeping you awake, and causing you anxiety. This is your mind trying to send a message. WAKE UP! You’re making the wrong decisions.
Stop right now and start over. You can get yourself out of this. Start here.
- Map out a plan. Start by figuring out how much you owe.
- Look at your expenses and cut out everything you don’t need. And I mean NEED, not want. This means everything except food, clothes, housing, transportation – the essentials. The rest are LUXURIES that you can’t afford.
- Start paying off your debt and don’t stop until it’s gone.
If you make it that far, you’ll know the changes you made and you’ll already know how to make sure you don’t fall into that trap again. Start right now. You don’t have a choice.
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