Terry Rigg

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Get Serious About Your Money

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What is the most important aspect of getting your finances in order? In past articles I've written about how important discipline, organization and sacrifice are to solving your money problems, but this all comes later.

For years I would write my bills down, figure my income and subtract the bills from my paycheck to see what was left. It was a real good start but by payday it was either forgotten or something would happen to mess it up.


Living On What's Left

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Are you one of those people that pay your bills no matter what? That is an admirable trait to have when managing your money. You made the bill and you feel you are responsible for paying it. Good for you.

Now let's talk about how much money you have to cover your household expenses after you pay all of those bills. Your household expenses would include your groceries, car gas, school lunches, and all of the other stuff that it takes to run a household. Do you have enough to pay this bill?

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Credit Cards - Can You Do Without Them?

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As we all know credit card debt is out of control. The credit card debt is currently $8400 per household at an average annual percentage rate of 14.7 percent. In fact, about 18% of all consumer spending is on credit cards and is expected to reach 30% by 2006.

If you pay your credit cards off each month or don't mind paying the interest they charge, by all means use them. However, entirely too many households are experiencing serious problems paying their bills because of their credit card debt.

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What To Pay When You Can't Pay Everything

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With ever increasing consumer debt more of us are finding ourselves robbing Peter to pay Paul each month.

We go through our bills and find that the money just won't stretch far enough to cover all of the bills and expenses. It's hard to decide who you should pay when you have one bill that is stamped with "Final Notice" and you are behind on several of your other bills.

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Which category do you fall in?

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I have determined that financially, people fall into one of three categories.
1. Family 1 has all the money they need for necessities and more and manage it very well.

2. Family 2 has all the money they need for necessities and more but live payday to payday with ever increasing debt.

3. Family 3 don't have enough money for necessities.

The funny thing about the three families above is that they could have exactly the same income and family size. This is not to say that special circumstances has nothing to do with it, but on the average most people live above their means.

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