Have you made any of the following statements?
- A budget is just too hard to live by
- Debt freedom is not really that important to achieving my dreams
- I am too old to save for retirement
- My kids need to learn this stuff, but my financial situation is too far gone to recover
- I gave up dreaming long ago
- There is no way I can earn enough money to pay my bills
- There is no hope for me
- A budget is just too hard to live by (It is a GREAT way to live, and it is the most FREEING thing I have ever done - and remember - I'm a spender!)
- Debt freedom is not really that important to achieving my dreams (Debt freedom is THE REASON my family has been able to achieve many of its dreams!)
- I am too old to save for retirement (Wrong - Even if you are 183 years old, you can still save for retirement)
- My kids need to learn this stuff, but my financial situation is too far gone to recover (Children learn best from a parent who is living strong financial principles out loud in their own lives - and you CAN recover - 2 years from now your financial situation will be ancient history)
- I gave up dreaming long ago (Why?!!! Dreams are FREE!!! Dreaming re-awakens the desire and passion that is necessary to stick to a plan even when it is easy to give up)
- There is no way I can earn enough money to pay my bills (Yes you can. One key way is to reduce the number and amount of bills to be paid - a budget can really help bring that into focus)
- There is no hope for me (There IS hope for you! You CAN do this!)























I have not reviewed my personal cell phone plan for a few years. I spent about one hour tonight reviewing different options and am able to save $66 per month. Part of the savings is a 17% discount due to Wendy’s employer. Wow!!! How embarassing. I am not moving to my home phone. Does anyone out there us a Magic Jack? Your thoughts please.
we do! Occasionally we get complaints that we’re hard to hear…I’d say it’s okay — not fantastic but not terrible. We probably rely on our cell phones 75% of the time anyway. And when you factor in the money you save, for us at least it’s worth it.