The Circle of Life -- The Zodiac Signs and the New Moon's Journey
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Rebecca Brents
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You And Your Money
Part 1
by Cindy DiccianniPage: 1 2
Have you ever noticed that no matter how much money you seem to make there is never enough? Do you wonder why you never seem to get ahead financially? Have you ever taken an assessment of your relationship with money? This will determine where the problem might be. Then together, we can diagnose your financial disease and develop a plan of care to treat it and cure it.
Needs Versus Wants
You need many things in life including food, shelter, clothing and education. Needs are those things that you cannot live without or that living without would cause hardship and distress. Knowing whether something is a need or a want is important since your perception will determine whether you spend your money on it or not.
There was a time -- not so long ago - when there were no cellular phones or E-mail -- and we managed, just the same. New technology is created to make things easier and enhance the quality of your life. But technology doesn't eat a hole in your wallet or put you into debt -- you do that when you choose to purchase things you cannot afford.
Many people feel they deserve to "treat" themselves to expensive items or spend money they don't have on living a lifestyle they have yet to earn. They charge these "rewards" on a charge card.
But there are costs for borrowing money, besides the fees and the interest, you experience the stress of being in debt and you are living a lie. And yes, you still need to pay the money back for those expensive things that you purchased.
As you know, companies use advertising to market their products. The role of advertising is to create "needs" for the things that you "want" which influences purchasing behavior. It's your job to decide whether each new product is something you really need, something that will make your life easier or add to the quality of your life or, whether it's something you can continue to live without.
The amount of money you have to spend is finite; everything in life is a trade off. If you are going to spend your money on one thing today then this becomes money that is not available for saving or for purchasing more important items in the future. Just as you prioritize your time, learn to prioritize your spending. Before you make a purchase, ask yourself whether the item is a need or a want and decide accordingly.
Use Cash Only
Accept responsibility for your financial situation and change your spending patterns. Reward yourself by purchasing items with good old cash and developing a savings plan. A couple of things will happen. You will think twice before you spend your cash and you will start building a reserve of money to support you for a "rainy day" - just like Mom and Dad always talked about. Not to mention, you will have the ability to save more for your retirement.Page: 1 2
Cindy Diccianni is a Registered Nurse, a Certified Senior Advisor (CSA), a Registered Investment Advisor and a Registered Representative with Leigh Baldwin & Company member NASD and SIPC. She is affiliated with Ortner, O'Brien & Ortner Advisory Group, Inc. and co-founder of Nurturing Your Success, Inc.
Her passion is assisting clients in creating the financial freedom they dream of. You may visit Cindy at Nurturing Your Success or write to her at Cindy@nurturingyoursuccess.com. You may also call her directly at (610) 251-9393.
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
Life affords no higher pleasure than that of surmounting difficulties, passing from one step of success to another, forming new wishes and seeing them gratified.
~ Samuel Johnson ~
Born September 18, 1709
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| 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. |
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Last updated May 13th, 2004
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