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How to be a Miracle Maker: Create the Love, Money, Body and Spirit You Want
Here's a fascinating secret about miracles: You can't necessarily always place an order for magic at will, but you can deliberately create the conditions -- environment, atmosphere and attitude -- that make miracles a thousand times more...
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Stress Reduction Tips for Parents
The best way to reduce your stress is to really know what it IS, that is making you stressed! So sit down for a minute and think about last year. You can look at a calendar to remind yourself of events, or appointments. This may jog your memory,...
The Guide to Changing Your Name after Marriage
Whether or not to change your name after marriage is a personal decision that each person must make on his/her own. But once you’ve decided to take the plunge, you need to be prepared for the administrative tasks that await you. Trying to get all...
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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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Spending More Than You Make
When you spend more money than you make each month you are
bound to have money problems very quickly. The bad part is
that most of us never realize we are spending that much until
it's too late.
How many times have you used the credit cards to buy a TV,
school clothes and supplies, fixed the car, or any number of
things and not realized that you just exceeded your monthly
income. You may have even realized it but thought there is
always next month.
Credit cards are the biggest culprit but they aren't the only
way to spend more than you make. Things like payday loans or
car title loans also come to mind. Paying $15 to use $100 for
a week doesn't seem too bad. However, when you consider that
you are paying almost 400% in interest over a years time these
loans make interest on credit cards look like a great deal.
Normally, installment loans have a lower interest than either
credit cards or payday loans but they can still cause problems
if you aren't positive that you can make the payments each
month.
I consider a house payment and the purchase of a car
the only real legitimate reasons for paying interest. Very
few people have the means to make these purchases with cash.
If you aren't careful you can still get yourself into trouble
by buying or renting more house that you can afford or
having
car payments that don't fit your budget.
I just recently received an email from a lady stating that her
and her husband wanted to buy a new car but really didn't know
if they could afford it. This family probably saved themself
a lot of headaches just by asking that question. I wrote back
showing her how they could determine if they could afford the
car or not.
My answer to her question was to have her develop a budget,
listing all of the other bills and expenses they have, and
then see what's left over. I also reminded her that she should
consider the extra costs like insurance, maintenance, etc.
Over the years I have seen people with as little as $500 a
month income manage their finances very well while someone
else with $5000 income can't make it last the entire month.
It all boils down to planning. If you plan your bills and
purchases each month with the goal of not exceeding your
income, you can make it on almost any income.
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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