Get Control of Spending

You’d like to pay your bills – if you could find them. Or maybe you just need to find the money. This post isn’t about getting organized to pay bills on time. It’s about having the money to pay them.

Somebody famous once said, “I’ve been poor, and I’ve been rich. Richer is better.” There’s no doubt we need money to make it on our own. But it seems as if many Americans have gotten used to spending more than they have. It’s way to easy to charge everything and just pay the minimum amount due each month. There’s a day of reckoning, however, and it’s nothing new. Simply, the interest charges on credit cards are exorbitant. Don’t charge what you can’t pay off every month.

There are many ways to get control of your spending. You may need to close those credit card accounts, hard as it may be. Keep a list of every single penny you spend. Talk to your spouse about both of your spending habits. Money is the number one thing couples fight about. Check out online resources. Debtors Anonymous has a website that can help. Take a look at Dave Ramsey’s debt site. It’s controversial, but many people swear by it. Your church may have a financial planning class. The point is, there are plenty of resources out there to help you. Don’t stick your head in the sand about your finances.