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Mortgage Refinance: 4 Ways To Know Its Time to Refinance Your House.
You may want to refinance your home for several reasons. 1)Mortgage Rates might be lower now. The biggest reason that people refinance their mortgages is to save money. No matter what has happened to you, there is always a good reason to start...
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African Americans: A Look in the Mirror, Part 1
“Not everything that is faced can be changed, but nothing can be changed until it is faced.” James Baldwin At present, African Americans stand at the crossroads of great hopes for wealth and freedom exceptional for the great-and great,...
How to Make Money
For years I believed that if I only had more money all of my problems would be solved. Then I would get a raise or change to a better paying job and my money situation didn't change. I just couldn't understand why. The fact is that most people...
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Can You See Clearly Now?
Can You See Clearly Now?
by Lady Camelot
Johnny Nash's song, "I Can See Clearly Now," is one of those musical tunes that are not only dear to my heart, but a "pick-me-up" mantra as well. The lyrics are as follows:
I can see clearly now, the...
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Only You Can Prevent Money Problems
People experience money problems for a variety of reasons. Maybe
you lost your job, used your credit cards too much, have a bunch
of medical bills, paid too much for your dream home or any
number of other reasons.
What ever the reasons for your money problems, most of them
could be prevented. I know for a lot of you, I am talking in the
past tense. The problems are already here so prevention is
irrelevant. This is not the case.
Only when you understand how you could have prevented the
problem in the first place will you be able to fix it. We don't
need to look at symptoms here, we need to explore root causes.
I have developed a theory. Some people aren't willing to
sacrifice, no matter what the rewards.
Sacrifice and discipline go hand in hand. It seems that our
parents and grandparents understood this better than we do.
They had to sacrifice just to put food on the table. They also
understood that they had to forego what they wanted to have
what they needed.
I believe that most of us have a basic understanding of
discipline, however in
today's society we don't have to choose
between food and a big screen TV. We want it all - we can have
it all - NOW. It's too bad that many times this will come back
to haunt us.
If you want to prevent your money problems, you have to have
the discipline to sacrifice. You need to understand that your
needs come first, that you have limited financial resources and
that never spending more than you earn each month is essential
to your families financial survival.
It is even more important that you learn discipline and
sacrifice if you already have money problems. When you develop
these skills and hopefully overcome your financial woes, you
will have a better chance of preventing it from happening
again.
About the Author
Terry Rigg is the author of Living Within Your Means - The Easy
Way http://www.homemoneyhelp.com/ebookadpage.html and editor
of The FREE Budget Stretcher Newsletter and Budget Stretcher
web site http://www.homemoneyhelp.com. He has 25 years of
experience counseling individuals and families concerning their
personal finances.
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