I know the difference!

Observed today on a sticker – “I know the difference between right and wrong, but I choose to ignore it.”

When it comes to finances, I have learned a lot about what is right and wrong. I hope I do not EVER choose to ignore it!

I have learned that:
– saving money is right and that spending all of my money is wrong
– having an emergency fund for emergencies is right and using a credit card for emergencies is wrong
– giving to worthy causes and individuals is right and not giving at all is dead wrong
– paying cash for purchases is right and paying on payments is wrong
– including your spouse in the budgeting process is right and not including them is wrong
– calling our money “ours” is right and our money “mine” and “yours” is wrong
– working together as husband and wife toward common financial goals is right and working separately is wrong
– having medical and life insurance is right and not having this insurance is wrong
– dealing with your financial situation is right and just throwing up your hands and declaring bankruptcy is wrong
– developing a plan and following it is right and handing your financial mess over to rip-off credit counseling is wrong
– facing your finances is right and choosing to ignore it is plain wrong

I would love to hear some other truths you have learned as you have dealt with your finances!


  1. Credit Center on March 1, 2006 at 8:38 am

    Hi thanks for your blog, I liked it! I also have a blog/site about credit cards for bad credit that covers credit cards for bad credit related stuff. Please feel free to visit.

  2. neb on March 3, 2006 at 9:27 pm

    Don’t you just love it — It doesn’t matter that you blog at length against taking on debt, someone will still try to use your platform to advocate credit cards, and claim that they’re helping those with bad credit by giving them more unsecured loans.

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