The Circle of Life -- The Zodiac Signs and the New Moon's Journey
By
Rebecca Brents

Astrology is for Believers.

With an open mind and a knowledge of Astrology you can watch your life unfold in ways that make sense.

You can understand the demands of change and "what's really going on" in a crisis.

Whether in a gentle push in the right direction or in a "hard knock upside the head," you can read the message behind what life is asking of you.

Real Astrology ...
for people who take
their lives seriously.

Join our
Astrology and Tarot
Premium Membership
TODAY!!

Real People
Real Lives
Real Ambitions
Real Questions

Our Premium Members
Get
Real Answers
Real Direction
Real Information
Real Advantages

Become a
Premium Member
today!!

Moon Magick: Myth & Magick, Crafts & Recipes, Rituals & Spells
By
D. J. Conway

Tired of insipid, canned astrology reports full of white space and mysterious jargon?

We specialize in useful, practical, plain English information ... and lots of it!!

The difference between real astrology and the "daily horoscope in the newspaper" will amaze you.

Join our
Astrology and Tarot
Premium Membership
TODAY!!

	What To Pay When You Can't Pay Everything by Terry Rigg
Astrology, Tarot, and Self Improvement for the New Age.

    Email This Page to a Friend    

What To Pay When You Can't Pay Everything
by Terry Rigg

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.

If you don't pay the credit cards you know that you are going to start getting those harassing phone calls. If you don't pay the house payment you are looking at foreclosure. If you don't pay the utilities they will shut them off. How do you decide?

When you get to this point it's time to get down to basic survival and work from there.

I have actually talked to people that stated their credit cards were up to date but their mortgage was two months behind. This is one of the biggest mistakes we can make when we don't have the money to pay everything.

Another mistake I see on a regular basis is that some people pay their bills at the expense of their food budget.

If you have the money to pay some of your bills you have to start with groceries first and necessary health items. You can try to save as much as possible on your food but that money has to be set aside before anything else.

The next bill you must pay is your mortgage or rent. While credit cards companies will drag out their collection process, mortgage companies and landlords will start the process of foreclosure or eviction within just a couple of months.

Your next priority is your utilities. In many cases utility companies will turn off your utilities if the bill isn't paid within a few days of receiving the bill.

Once you are sure you have enough to eat and a roof over your head you can start thinking about your other bills. The secured loans, like your car payment, should come before your unsecured loans, like your credit cards.

The reason for this is simple. Creditors that have secured property will sue or repossess much quicker than the credit card companies.

If you find yourself in this situation it is a sign that you need to do something drastic and fast. By not paying all of your bills each month they are going to add up quickly and you are going to accumulate a lot of late fees.

The best place to start is to find out exactly where you stand and what is causing the problem. This is as simple as listing your income on one side of a piece of paper and your bills on the other. Total each and subtract your bills from your income.

Your next step is to develop a budget. You can find a free and simple budget by visiting The Complete Budget and Bill Organizer.

Whether you use my budget system or another it is very important that you start one as soon as possible. For those of you that believe a budget is to restrictive, just the opposite is true. The only way you can get what you want and know you can afford it is to have a budget in place.

It is important that you pay all of your bills on time each month. When you don't have the money to pay everything it is vital to your survival that you pay the most important bills first.

Terry Rigg is the author of Living Within Your Means - The Easy Way and editor of The FREE Budget Stretcher Newsletter and Budget Stretcher web site.

He has 25 years of experience counseling individuals and families concerning their personal finances. Use this email link to get a list of all of Terry's articles by autoresponder at: mailto: articlelist@budgetstretcherpremium.com

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 can't seem to bring myself to say, "Well, I guess I'll be toddling along." It isn't that I can't toddle. It's that I can't guess I'll toddle.
~ Robert Benchley ~
Born September 15, 1889

Please click on the titles to visit these fine areas of Enchanted Spirit

---

	PO Box 1080 Sandia Park · NM · 87047

Enchanted Spirit is a non-denominational spiritual center of healing, support, self-improvement, personal guidance, education and writing. We publish multi-media works of New Age thought and information to encourage serenity and growth in individual life choices, advance the universal search for life's meaning, and promote tolerance for positive ideas from all philosophies and religious traditions, believing as we do that truth is where you find it.

---

This site is hosted and maintained for Enchanted Spirit by

Catweasel Ink

Copyright © 1999 - 2008 by Enchanted Spirit and Catweasel Ink.
Contributed works copyright by their respective authors. All rights reserved.
Unauthorized reproduction specifically prohibited.

Last updated May 4th, 2004

Rebecca is not available
right now.


Please check back
later
CLICK HERE FOR
MORE INFO

You arrived in
this life with

Karmic gifts and talents

Karmic responsibilities

Karmic challenges

Karmic work to do

Order a
Karma and Destiny
reading

Learn what life is
asking of you.

Astrology is for Believers.

With an open mind and a knowledge of Astrology you can watch your life unfold in ways that make sense.

You can recognize the subtle knock of real opportunity and the soft voice of invitations to personal growth because you know they're coming, where to look for them, and what they'll look like when they appear.

Real Astrology ...
for people who take
their lives seriously.

Join our
Astrology and Tarot
Premium Membership
TODAY!!

Whose Life Is It Anyway: When to Stop Taking Care of Their Feelings and Start Taking Care of Your Own
By
Nina W. Brown