livingdebtfree

When I look at myself and why I have continued to be in debt on a regular basis I had to take a look at my past to find out what happened to me.  I remembered that when I received my allowance I would save it regularly and I remember taking it to school and it got stolen.  I had planned on buying my mother something special for Mother’s Day.  I should have left the money with her but I was afraid she would spend it hehe.  I laugh about it now as she never would not do that sort of thing.  I remember spending time with childhood friends, who would get money from their grandparents, and their parents spent it on clothes for the child and groceries. So when it came time for my classmate to want to use the money to spend on something that they desired they would ask for it, and their parents would say? Oh I will pay you back this weekend, I had to use your money to buy food for the family.  So I see where I got that in my mind. From after that incident I have been spending money and not saving it as I feared it would be stolen.  Although money can be stolen, it is a loss too when you can’t find your wallet, or left your purse somewhere and you come back and it gone.  It feels as if you are being invaded personally and financially.

Have you ever had anything of your stolen?  How did you feel?
I do ask if you are leaving a comment to make sure it is a meaningful comment, and not to just show off the links to your blog site.   Thank you.

At times there more than just the money that is holding a person back from reaching their financial goals in life.  It is important to question yourself to find out how, where, why, what, got you into debt.  It is obviously your doing or part of it such as a divorce or common law marriage with shared debt. Finding the root of the problem so that you will be able to treat the root, and help it to grow and blossom properly into grand success. It can be a painful process to go through to find how it is that you got into debt such as depression, desire to keep up with others who have the top designer labels or the new and upcoming technology.  Sometimes these events and feelings can go as far childhood.  So take the time to find out why you are in debt so that this event will not happen again.  The goal for you is to have continued financial growth and success.

I do ask if you are leaving a comment to make sure it is a meaningful comment, and not to just show off the links to your blog site.   Thank you.

If you find that you are not watching much television this summer, then consider canceling the cable or dish service for the summertime.  This can save you a tremendously amount of money and can be used to help pay for bills.  If you feel that you need to have your cable or dish service then consider going to a lower package rate as this is another way to save money on your bills. Ask your cable company about an “A La Carte” packaging plan where you are able to choose the channels that you would prefer to have in your plan and watch the most.

On July 1st, in the states of California and Washington, residents are required to use hands-free phone headsets and not be holding cell phones while they are driving.   Although I do believe that it will help with some of the safety problems however the concentration levels of people while talking on the phone and driving are compromised as they are focused on their conversation more than paying attention to the road. According to California Governor Arnold Schwarzenegger, as quoted in the Los Angeles Times, “Getting people’s hands off their phones and onto their steering wheels will save lives and make California’s roads safer.”  Keeping both hands on the wheel to avoid from receiving a traffic tickets then can run from $20, and reoccurring tickets to $50 and more.  So do ensure that you get a hands-free headset or Bluetooth headset to help make sure that you do not receive any traffic tickets.

I would encourage you to learn how to use your headset properly and make sure that it is adjusted well so that it will not fall while you are using it in your vehicle.   I still cannot help but wonder what people would do if we did not have cell phones? I would prefer to see a law again text messaging while driving.

What do you think?

Divorce and breakups are not very fun events to endure but when living together it is important handle the financial affairs in a civilized manner.  If this is not possible then have a mediator that will be able to help dividing up the assets if possible.  If you have a car that has your name on the title, then please do remember that you are responsible to whatever happens to the car. So if your ex has an accident, the end result is that your name is on the car and you will be deemed responsible.  So if you really must give your car to ex, then go through the proper proceeedings to transfer the title of the car into your ex’s name so that they will be responsible to the happenings of the car.