LIVING WITHIN YOUR MEANS

                   It can be a difficult task to live within one’s means, but it is practical to do so.  With the age of credit cards and bill me later, many people have grown accustomed to even though they can’t afford to.”  Why spend what you do not have? As I watched the many reports on why the economy went downhill, I hear these four words often "living within your means". With time, hard-work and patience, every goal is attainable. A lot of us don't want to wait for anything. We prefer instant gratification. Here is where self discipline also comes in. When you set financial goals you have to stick with them, no matter what or you won't reach these goals. 

PAYING BILLS ON TIME

           Paying utility bills on time can also help with building good credit. Some landlords will accept a good history of bill payment if good credit is not established as yet. It is also a responsible habit, which goes a long way in establishing healthy behaviors,

OUR NEEDS VERSUS WANTS

       I have taken my children to Walmart at times during shopping trips. My four year old always has this habbit of asking for a new toy. He feels every new trip to walmart or Target should result in him getting a new toy. In the past I would always given in, but recently I stopped doing it. Much of what kids ask for in the store are items they simply want. When you are a single parent whose goal  At times we have to simply say no. It is a better idea to have children earn special toys, rather than just give it to them.  This develops a sense of accomplishment and responsibility in children. It also keep impulsive spending at a minimum, which allows you to save more.