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	The Most Costly Expense of All Part 1 by Terry Rigg
Astrology, Tarot, and Self Improvement for the New Age.

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The Most Costly Expense of All
Part 1
by Terry Rigg

Page: 1 2

Do you think you have a lot of bills? If so, you are probably right. But have you considered the bill that costs you the most each month?

On average your housing costs probably run about 30% of your take home pay. Your other bills which include utilities, credit cards, etc. also run about 30% of your take home pay. It probably takes another 30% to run your household and if you are lucky you can stash the remaining 10% in a savings account.

What are your percentages? Do you know? That's the problem. Most people run their budget out of their wallet.

There is that hideous word "Budget". Many people compare operating their finances with a budget to having a ball and chain attached to their wallet. They won't be able to get anything they want for the rest of their lives.

Let's see if the following scenario fits you:

• You get paid.
• You write out your bills.
• You give your spouse some money.
• You wait for next payday to get some more money so you can do the same thing.

You may not realize it but if you are doing this you are spending a lot more money than you need to.

Most of the people I work with have no idea how much money they make or how much they owe. While money may be important to them it is way to much trouble to learn how to manage it. This is the very reason there were $1.5 million bankruptcies in this country last year.

I can almost guarantee that if you are trying to run your finances like the scenario above at some point you are going to run into problems. It simply can't work.

The main reason for this is that you never get a broad picture of where you are financially. You pay the bills and hope you have enough money to buy your groceries and put gas in the car until next payday.

Most people can add and subtract. That's all there is to a budget. If you aren't willing to take the time then living paycheck to paycheck will be with you the rest of your life.

I call this "Financial Complacency" which simply means that you know you need to manage your money better but aren't willing to do what's necessary.

Terry Rigg is the editor of the Budget Stretcher web site and The Free Budget Stretcher Newsletter. He offers a free Budget System complete with the forms and worksheets needed to make it work.

Page: 1 2

Are you looking for more information on Money, Financial Management, Possessions, and Physical Pleasures?

Taurus is the astrology sign that deals specifically with Money, Financial Management, Possessions, and Physical Pleasures. Learn more about Taurus.
The information here tells all about Taurus Astrology.

Taurus Horoscope

I never even thought about whether or not they understand what I'm doing . . . the emotional reaction is all that matters as long as there's some feeling of communication, it isn't necessary that it be understood.
~ John Coltrane ~
Born September 23, 1926

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Last updated April 30th, 2004

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The Awakened Heart: Opening Yourself to the Love You Need
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Gerald G. May