I really hate it when people complain about not having money. They get paid, they spend it, and then they bitch and moan that they can’t buy what they want. Face it, the only way that someone is going to have money left over is to budget accordingly. I’m not talking about creating a budget that takes into account the last penny. All I’m saying is have an idea of how much you make and what the cost of your basic needs are and spend what you have, not what you wish you had.

The biggest problem in our society today is that a lot of people live beyond their means. This was brought to our attention with the mortgage crisis in the USA. Shame on the banks and their agents who convinced their customers that they could get for loans that they didn’t qualify for…and shame on the customers for accepting such loans – if they knew that they couldn’t pay it back what the hell are they doing accepting it? Wishful thinking that’s all it was…probably hoping that the money would eventually come in.

Hopefully we have all learned  a lesson; a lesson that should be passed on to our children – live within your means and don’t get suckered by monetary promises that seem to be to good to be true. As Judge Judy says: “If it’s too good to be true it probably is.”

My two cents…

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