Keeping A Tight Hold On Your Money

When the disposable pen was first created, the majority of executives believed the concept was destined to fail

. The thinking was that no one would by a pen only to throw it away. It was a make do or do without world and disposable was simply a concept that didn't exist.

Fast forward 50 years, to today's world of disposable everything; diapers, pens, bags, contacts, cameras, grills, cell phones, and even printers. The concept of disposable is commonplace today, not so for many of our forbearers who lived through the Great Depression. They understood the value of things and lived by the mantra make do or do without. Everyone knows an older person that rinses out Baggies, plastic wrap and aluminum foil; they didn't impulse buy or frivolously spend money. Concord bankruptcy or California bankruptcy courts weren't available to help people struggling to raise their families during this time of great economic crisis in our country.

A happy medium between overindulgence and materialism to shrink wrapping the new sofa for 25 years so it doesn't get dirty is in order. You can learn from the past of frugality but also glean enjoyment for today.

Save. That is the number one thing that determines a person's financial stability or demise. If you save for emergencies, sicknesses, car repairs, baby births, college, or even to go out for the weekend, you will have a peace of mind second to none. When the economy went bad, those with savings are able to ride out the storm with much less pain than those with little or no savings.

A family in town both lost their jobs within a month's time. They had been valiant savers. Their house was paid off and they had a couple of months salary in the bank. They were able to look for new employment without great stress and undue anxiety. How were they able to avoid Freemont bankruptcy? They had saved 10% of their income all their married lives. Ten percent will seem like a lot when you first start, but it becomes a habit. Pay yourself first. Before movies, dinners, new car, new furniture, put ten percent in a permanent savings account.

Sometimes life just gets out of hand and the unknown is overwhelming. California bankruptcy lawyers are the only option and you are so grateful they are available. Life does throw unexpected curves. However, for day-to-day living, keep in the mind the Bic pen, and ask yourself are you throwing money away?

by: Art Gib

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