Over Your Head!

After a nice dinner last night, I lumbered into the family room to catch the last couple innings of the baseball game. I eased back onto the couch, sipping away at my big glass of sweet tea when I was sickened by a commercial on TV!

The commercial showed several people as they were test driving a new car…each couple exclaimed, “Nice price” as they talked about the low monthly payment …. “Nice price”? Seriously? They were talking about the monthly PAYMENT not the PRICE of the car.

This kind of thinking is exactly what put thousands of families into financial crisis. Our society is now based upon determining if we can “make the payment” each month instead of seeing if we can afford to pay for it. There is a huge difference in the two methods of thinking and determining how items are purchased.

Our friends have new stuff, our neighbors have new stuff, and we all want more and more stuff. Let’s just take a look and see if we can squeeze another payment into our monthly budget and go get us some more stuff!

Wait a minute! You don’t have a budget in place? You’re not even sure what amount you spend monthly on gas, food and living expenses? Do you have a plan for your monthly income and expenses? Or did you sit down one desperate Sunday evening and scrawl one out on a yellow tablet. After the bills arrived in Monday’s mail, you tore it up and threw it away it because it didn’t work – right? Am I close? Sound familiar?

Thousands of families are in the exact same situation – right now! Many will never reach out for help because of embarrassment, fear or anger. “Just a little more in the paycheck, and we can pull out of this mess” – right? Trust me, a little pay increase will only give you cushion for a couple of months until you go right back to your old habits. You’ve got to do an about face – turn around and change the way that you handle your finances and try something different.

We hear this same story over and over and over again. Family after family who has tried desperately to get back on track but kept finding themselves with no money left at the end of the month.

Simply put, you need a plan – something REAL and something SIMPLE. It does not have to be an elaborate, 36 column spreadsheet with color graphics to make it work for you. Just a PLAN!

Do you find it hard to get started? Call us for a one-hour free consultation today, and get your family started on the real road to recovery and financial health. We know that you feel like the water is going over your head and you are drowning under a pile of bills. You can’t do it alone. We are here to help. We care, and we understand.

www.BudgetingYourFinances.net