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Stop Spending on Unnecessary Stuff

This is my first rant but it probably won’t be my last.

What I do daily is look at people’s bank statements and financial data.  People come to me to help them out of financial messes.  What I see is totally sickening.    People are losing their houses to foreclosure, and:

  1. Pay more than the minimum on their credit card bills
  2. All I see on their bank statements is “Chipotle, Don Pedro, Taco Bell, Burger King . . .
  3. Hundreds to thousands minutes of text messages on both the adults’ and children’s’ cell phone bills

Let’s talk about the credit card bill first.   I believe that what we’re seeing in the Financial columns has a lot to do with this mindset.  “You have to keep a good credit score”, is what they say.  What good is a great credit card score is you’re living in your car?  Pay your mortgage and let the credit card bill go . Or at the very least pay a minimum on the credit cards.  If you lose your house or go into foreclosure your credit scores go in the basement anyway!

The reason I mentioned the restaurants is the fact that after all the bills are added up, a preponderance of of the “expenses” are in fluff!

Whatever happened to talking to people in person?  Or talking on the phone.  The teenagers love chatting, but does that mean you have to?  You’re not a teen anymore.  Try chatting on Facebook.  That can be fun and its free!

If you’re going to:

  1. Go on a budget – budgets don’t usually contain frivolous things such as eating in restaurants or texting.  Cook at home, buy Hamburger Helper and cook at home, get frozen entrees and cook at home.  Even if you only do that twice a week, the amount of money you save is unbelievable.  Ditto what I said above on texting.
  2. Convince your Lender that you want a loan modification, for example.  Lenders look at your bank statements when you apply for a loan modification.  Their logic is that if they’re going to give you something, you have to give them something in return.  A lot of times loan modifications can be denied because of  “frivolous ” spending.  If your bank statement shows you don’t care enough to pay your mortgage but you pay your credit card ahead, what are the Lenders to think?  To a Lender, eating out all the time and texting is really, really frivolous. If you are trying to get your mortgage modified, at least give them a modified budget which doesn’t include all the habits of the wealthy.  Give them a modified budget and show them you want to stay in your house.

Enough for today.  Just get your priorities in life straightened out – not for me, but for yourself.

So – What Business Got Better

The government just got finished with a bailout for a whole bunch (a technical term) of big banks and car companies. They gave them hundreds of billions of dollars, (a whole bunch), so they could become solvent and start lending money and selling cars again.

Now they’re back and asking fora whole bunch more money. And from what’s in the media none of them are solvent yet and it looks like they could still file for bankruptcy. I can’t see where any of them got better.

I do know one thing though, it was all done “For the children“. And for their children and probably their children after that. At least the taxes they’ll pay, to pay back the all the “money out of nowhere”, the government spent.

That’s our Change, and we Hope there’ s a way other than taxes on the back of our children, to pay for it all.

As the title asks and I’ll ask again, “What business got better”, that we spent hundreds of billions on?

The True Spirit of Christmas

Don’t worry – the true spirit of Christmas lives on!!  We had a huge apartment complex fire here in Minnesota a few days ago.  Thank God that not one person was even injured!  Even all their pets survived!  The thing is, though, every apartment burned down.  Everyone living there was now homeless.  it being the Christmas season,  all their Christmas trees and presents were also burned.  They only had the clothing on their backs.

The Red Cross and the Salvation Army, (my personsl favorite), pitched in and gave them all clothing and shelter.

Here’s the best part, in three flavors:

  1. They had so many donations of toys, clothing in two days, etc., the apartment dwellers asked people to stop the donations ’cause they didn’t know what to do with them!
  2. An anonymous donor gave One Million dollars to the displaced dwellers –  each of the renters got a check yesterday or today for over &17,000.
  3. This is also unbelievable – the building owners gave them all their December rent and their their cleaning deposit.  This is one evil owner who accepted their responsibility and stepped up to the plate – without being asked.

Maybe this would have happened anyway.  but I think that this is the true spirit of Christmas.


Merry Christmas – Liberally Incorrect

This is a time in our country where one is almost afraid to say “Merry Christmas” for fear of offending someone.  It is called “politically incorrect” to utter such words in public.

Political has to do with politics – all of politics, all political parties.  However, the term “politically incorrect” seems to only fit in situations where someone is offended, mostly liberals.  So maybe the term should be “Liberally Incorrect”!

Christmas has been around for a lot longer than the recent politicians. Over 2000 years as a matter of fact.  It seems that we shouldn’t be saying “Merry Christmas”, though even though that is the holiday

“Happy Holidays” seems to be the right greeting now.  What holiday are we celebrating?  CHRISTMAS.


Those are the right words – Get over it   Are you offended?  You know what – I don’t care!!!  I’M OFFENDED that people will stop me from saying “Merry Christmas”.  The US Constitution guarantees me the right to say those words.



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