Do you ever worry about money? Do you worry about what could happen if you buy this or donít pay that, worry about how much itís going to cost, or maybe even where itís going to come from? Youíre not alone. So many Americans today are consumed with money worries to the point that they seldom take the time to really enjoy their lives. Itís like constantly looking over your shoulder every minute of the day, worrying about whether your car is going to be stolen or when your cell phone is going to be plucked out of your hand by some hoodlum. Itís exhausting!
Can you imagine what it would be like NOT to worry about money? In some ways, having complete control over your finances is akin to having complete control over your life. But how do you do that? It actually quite simple: Just by knowing where your money is going puts you in better control.
Having a budget is the key to regaining control over your finances. Iíve heard people say that sticking to a budget restricts their financial freedom. This couldnít be further from the truth. A good budget should include everything that involves your money. Itís your ticket to being able to go anywhere or do anything that you want, without worrying about the cost, or negative consequences to your bills.
If you knew exactly how much you were making, where your money was going and how much you needed for extracurricular activities, then you would never have to worry about overspending or overdraft charges. You could even plan for additional expenses by setting money aside in savings and paying cash when youíre ready instead of outrageous credit card interest.
The richest man in the world could walk into a store and buy anything he wanted without having to think about money. But would he be happy? Well itís the age-old question: Does money buy happiness? Not even close. Of course you have to make and have money in order to survive in our modern world. But is that what makes people happy? I think not.
Happiness comes from within, from knowing who you are, following your goals and dreams and being the best person you can be. Happiness is putting your attention on the beautiful things in life ó a happy family, a short trip to another city, sitting down and talking over dinner or just spending time with your best friends. It doesnít have to cost a lot of money to have a good time, to have great friendships, a loving family, or even a smile on your face and a spring in your step.
So learn what you need to know, handle what you need to handle, do a budget, and live your life to its fullest. Breathe in the ocean air or the smell of freshly mowed grass, watch the children playing in the yard, and go out and enjoy life. The only thing you should worry about is absolutely NOTHING!
The Debt Lady Says, ďPlay your cards right and you might have a flush!Ē
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Jerri Simpson, known as ďThe Debt LadyĒ (www.thedebtlady.com/), has worked in the finance industry for over 31 years, helping others conquer their financial troubles (thedebtlady.com/blog/testimonials/) and is well-known for her blogs (thedebtlady.blogspot.com).
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