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Hello Jon the saver,
I enjoy your articles and appreciate the time you take in order to educate people on understanding credit and finance. It is amazing to me how many people are truly lost in those 2 categories…especially the highly educated. I often meet doctors, dentists, lawyers, engineers,and presidents of companies who seem to spend more than what they make no matter what the income is…sorry to run on, thanks for doing what you do.
PS I would like to hear your thoughts on this. I like your current article on say no. One thing I want to add is that I feel you should be able to say no, BUT in situations of priority. I have friends who still have lavish lifestyles yet let the gardener go, or cut back on a service that was provided to them by another person. If everyone saved where they just did everything themselves then the economy stalls. My biggest issue with people that want to curtail their spending is to start with themselves on clothes, stereos, Ipads instead of letting working people go…. the economy savior is jobs…not sure if I explained that right, but I think you get my point
Patrick
Just found your article and was very impressed on the applicable advise you give. I run a non-profit financial agency and see an alarming pattern developing. Middle class America is starting to use pay day loans more often to help tie them over or for the crisis event they didn’t plan on. Pay day loans can be a nasty cycle if not handled properly, falling into the pattern of taking loans out each payday. Our state only allows individuals to take one loan at a time and offers extensions to those who find they cannot repay the loan. Fortunately the extension requires financial counseling so at least we are able to offer a way out for those who want to break the cycle. Do you see a similar pattern?
Thank for your offer to join on getting mellion dollars when retired. I will learn abou what you explain on course.
First, I’m SHOCKED that you’d offer the advice for free. Surely, there’s still a few good men out there. May your tribe increase! Second, I think that what you share is sound advice. May the Lord bless you and help us all to bless him by living out our lives for him, even in our financial lives.