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Further
Reading ...
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A PRACTICAL GUIDE FOR SMALL BUSINESS SUCCESS - Gopi Nathan
Entrepreneurs who start a small business have high hopes of big success. Yet few small businesses survive beyond five years. Actually, there are just four broad requirements that can almost guarantee your small business success: - A few personal...
Marketing Your Online Business On A Budget - Kathy Joyce
Do you have a great online business but few customers,and a very limited budget to work with? Just uploading your site onto the internet is not enough, even submitting to the main search engines and directories takes time. Often it may take...
12 Awesome Ways To increase Your Affiliate Commissions! - Jennifer Schilling
Participate in web discussion boards and online forums. When I first joined an affiliate program, I read as much information as possible in the discussion boards http://www.sfidboard.com . This is a great discussion board to lurk in and...
HOW TO START A PROFITABLE HOME BUSINESS - Rosella Aranda
Are you having trouble making ends meet? Do you need to find a way to generate some extra income? If so, which way do you go? If you’re like me, you decided to explore the internet only to find yourself buried in more material that you could read...
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Bad Habits Keep You From Achieving Financial Plans
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Written By:
David Wilding
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Bad habits can ruin any well thought out financial plans. Habits such as your morning coffee,
buying lunch at work each day, and of course smoking and drinking, can drain your bank account.
They are not as noticeable as someone backing a truck up and loading all your money in and
driving away. However, the results are the same.
A woman shared her story with me. Her bad habit was smoking cigarettes. She smoked less than a
carton a week. Along with her husband’s habit they used about two cartons a week. On occasion
the decision had to be made whether to buy food or the cigarettes. Guess which one got bought.
She made the choice to get a job outside her home, to make the food/cigarette decision go away.
Now she could have both. Work began to take more and more of her time. She enjoyed the other
stuff besides cigarettes the money would buy. A budget was never considered, she spent every
dime she made. She had STUFF!
It all came to a halt when her son began failing school. It became important to stay home and help
him with his homework. The problem was she had STUFF. She and her husband returned to one
income but had much higher bills. Something needed to give.
The stuff had to go, so she started with the obvious, - continued below ...
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continued ...
the cigarettes. Not before she tried every way
to keep them. She tried to fit them into her budget. She lowered her grocery bill, began hanging
her clothes, used only cold water in her washing machine, anything to save money to keep her
cigarettes.
She discovered that whatever she did she could not scrimp and save enough. It came down to
another decision: Stay at home with her son and quit smoking or, go back to work to keep her
habit supplied.
She made the decision to stay home with her son. She stopped smoking. In the three and one-half
years since she has quit, she has NOT smoked 27,000 cigarettes. She has saved $7,185.00, more
than $1900 a year. She has put that money to better uses.
You know you could find a place for more than $150 a month; I know I could. Don’t let your bad
habits rule your life and drain your resources. Get them under control and put that saved money to
good use in your financial plan.
(C) 2005 David Wilding
About the Author
David Wilding has spent the last ten years working with groups and individuals to help them become debt free. Visit his website http://www.debtattack.com for more ideas, tools, and strategies to rid yourself of debt.
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| _Additional Resources ... |
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Inuit Eskimo Art As Investments - Clint Leung
Many people collect Inuit Eskimo art as investments. Inuit art is growing internationally but it has been suggested that the number of actual Inuit artists are actually declining. The creation of the Nunavut government which represents Canada's...
The Enemy: Words and How We Use Them - Sue and Chuck DeFiore
As a home based or small business owner you want to exude confidence and authority. You are an expert in your field. How are you conveying your message to your customer? Just like your body language, the words you use and how you use them can take...
Housing Bill - Changes in the Right To Buy Scheme - Nicola Bullimore
Presently council tenants are able to purchase their rented property after 2 years of tenancy. However, this is about to change. As of the 18th January 2005, the new Housing Bill becomes law and the current 2 years will change to a period of 5...
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