” I am truly am afraid that my wife operates on one track thought ‘If we have it, I spent it,” When Amberley and her husband Duluka join the support group on how to get there Financial back in control. Tulka moaned when at the first meeting that “she never seems interested in budgeting or saving .”
“I do not think I’m extravagant,” Amberley protested. “I just buy what we need honest .” Tukla was in a line for a big promotion at the bank where he worked, Tukla was currently making just over $38,000. Amberley is working a private school teacher, earned about $18,000 a year. At twenty-six Tulka and Amberley had gotten married right out of college. But their wedding bliss was in serious financial problems and they had a lot of problems talking about them too. Instead of sitting down and talking about the problems all they did was fight about who was spending too much and who was controlling. Amberley would say he never allow her to be involved with the finances so how could she have any idea of where she was going wrong? So their solution to the problems was getting there own accounts which in this case put them deeper into debt and placing them into opposition corners. Wait for it waits for it and here comes the fighting!
The truth was, both Tulka and Amberley had been overspent, in the tune of some $20,000 just in credit card debt. Tulka was right also because Amberley had spent a lot on clothes, makeup, and shoes. Tulka was not as incense as he wanted to act because he had also had brought some nice fancy big toys, which were still paying off, including a $4,500 four wheeler and a $2,400 jet ski that he plans on using when he was a vacation from work which never happen and he had $6,000 in school loans they are still paying off .
Despite their debt, Tulka and Amberley tested on the currents on the financial stress test. They were never late on paying the bills and there was the time that they paid more on there credit cards bills. Amberley handled her money as if it were a no manage fund. Like Amberley, many people just sort of life until they wake up one day and wonder, “What how did that happen how did I get into debt ?”
They do not like number or eventhing about that money stuff, and the fact of the matter is they view it as sort of a plain when they’re not feeling threating by it.
Are you a lazy money manager? Below is a list of possible statement that best fits your way of thinking :
== Who needs a budget? I can keep track of what I spent in my head.
== I intend to look at my bank statement every month, but there is always something that keeps me doing it.
== I hate the idea of having cash lying around: If we have it we should spend it or invest it in stocks.
== My spouse is the number person in the family, I just do not understand it so I leave it for them.
== Shopping sales take to much time, and time is money right.
== Is a 401 K plan a new pair of jeans.
So now what do we do if you identify with at least one or more of the above statement could mean that you have the I DO NOT CARE attitude about the finances, which will surely keep you bouncing on the on the brink of financial ruin? Please do not until you are broke to start caring about how you manage money.
Here a little advice that helps me :
Proverbs 6:6-11 6Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest. How long will you lie there, you sluggard? When will you get up from your sleep? A little sleep, a little slumber, a little folding of the hands to rest- and poverty will come on you like a thief and scarcity like an armed man.
Thank you so much for taking the time to read and learn about the importance of money management. And if you are interested in checking out. I have written a few mini books on money-saving ways and feel free to follow me.