Priorities, Man...Priorities!

http://www.stltoday.com/stltoday/business/stories.nsf/story/A5CD589663E43038862576E500129481?OpenDocument

It is interesting to me that someone would be willing to sacrifice their home to make sure that their credit cards are paid current...??

Priorities MUST be - Food, Clothing, Shelter and Transportation! We recently had a lady lean across the table from us, look us in the eye and say, "I don't care if they take our home away, but don't you let them touch my cell phone!" She was serious! Her cell phone was more important to her than making sure that her family had a roof over their heads. PRIORITIES!

From our experience with clients, this may also be a result of trying to handle collector telephone calls. Credit Card Companies are ruthless with their collection efforts and put a tremendous amount of pressure and guilt on families to make payments. Mortgage companies are not as vicious! Do not allow a collector to establish financial priorities for your family!

Even when your family is having financial difficulties, it is so important to have a plan in place - a working budget! Stay within your budget and make sure that collectors (or any other outside influences) do not change your family priorities!

It Is Easy to Lose Your Direction in a Fog...

Our current economic forecast calls for fog for the foreseeable future. Many of us have been caught unaware by the shift in economic climate. It’s harder and harder to make personal budgets balance. It’s harder and harder to live a life without money seeming to dictate everything we do.

That’s why we developed the Compass Project. We can help you chart a fresh course with your personal finances. Our expert financial counselors will work with you to develop a Lifestyle Budget that works under your current circumstances. Think of it as a budget coach who helps you to find your way.

If heading in the direction you’re going is getting you nowhere, check out the Compass Project. We’ll help you put your life back on track.

About This Project!

Assisting families to live within their means, eliminate personal debt and discover personal financial freedom! This is accomplished through an intense process of creating a working lifestyle budget and working through every payroll - making decisions on payments and savings - directing every dollar as to "where it should go". This process creates a working pattern for every family to then live by! We are certified instructors for Dave Ramsey's "Financial Peace University" and have taught more than 110 families! Melissa Hollander is also a Nationally Certified Counselor through the Dave Ramsey LAMPO Group.