You can live well on $10K per person per year, or less

You can live well on $10K per person per year

, or less

Have you noticed, during all the layoffs and foreclosures, that some people are quietly doing just fine? They have nice houses, sometimes paid-off mortgages, go on vacations, never seem to have money worries, and they make the same salaries as the people whose lives are falling apart. These people are pretty subtle about it. You have to look around and piece together the fact that they are living way more securely, with more free time, than everyone else.

So what's their secret?

I am going to fill you in on what it is, since I am one of those people.

There is a whole other way to live.

Start pondering what you pay for. You pay for some pretty elaborate food packaging. Disposable bags. Disposable paper towels. Credit card interest and fees. Bank fees. Clothes you don't wear. Toys your kids don't play with. Magazines you don't read. Food you throw out. Phone and cable TV services you don't need or really use. Gadgets that don't work.

What is it you have for this money you have paid out?

Nothing.

Now, here's the scary part -- that money you paid out that resulted in nothing? You paid taxes on that money. Federal income tax, state income tax, Social Security, Medicare, sales taxes.

You have money just going through your fingers. You are not living a life of luxury. You are living a life of fear.

Those people that live well on normal salaries? Their money counts. They are organized. Every dime that comes in goes to either a basic need or something they genuinely enjoy. There is no mush zone. They are not influenced by bogus definitions of "success." They know that success means being in charge of your life, and having the wonderful luxury of time.

I have put together a nonprofit blog explaining exactly, step-by-step, how to accomplish such a thing, including detailed information on money management. You'll find it at www.greenblog.pbzproductions.com.

Although much has been written about how American consumer pseudo-culture is destructive to the environment and helped lead to the financial meltdown, most people are unaware of how destructive it is to people's lives.

Many many people in this country groggily wake up each morning, rush through their breakfasts, sit in a little metal box for half hour or more, sit in a little fabric box for eight hours or more, then get back in the little metal box for another half hour or more. They then sit in front of a metal and plastic box for three or more hours. They go to bed, get up, then do it all again.

It is time for a new American dream.

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