If I Only Had the Money

By: Martin Lukac
Submitted: 2007-01-17 16:17:39
Print this article | Tell a friend | For publisher | Social Bookmarking
Rating:
 

There are many things that make us want to find money. When something makes you say "I'll find the money," or "If I only had the money," you need to stop and take a close look at what you are wishing for.

It is easy to want things. And things cost money. I look around my home and see all the plans I have to remodel and redecorate. But those things take money.

It would be easy to go out and take my credit card from the safe deposit box and buy everything I want. Heck, I could go charge a new car if I wanted to.

But I won't. Because I know that those things take money, not credit. If I use credit on them now, it won't be long until I don't have the money for the things I want then. I probably wouldn't even have the money for things I need.

Instead of looking around and seeing all the things I don't have because I'm saving and living frugally, I see all of the things I will have. And actually, I see a few things that I won't have in the future.

I won't have to pay for things three times over. I won't have to stay up at night wondering how I will pay the bills. I won't have to sell my home to pay off my credit cards. I won't have to work past retirement age.

Take a close look at what has you out there wanting money. Now compare it to more important things. For example, would you rather have that new car right now, even though you old runs great, or would you like to retire a few years early? Hmmm. Retire with millio

ns. Have a new car right now. I hope that you are choosing the millions.

Getting there means that you have to change the way you look at your needs and wants. You have to pay attention to the little things while keeping the big picture in mind. Set goals for your money. Watch it build for you instead of bill you.

When we become desperate to find the money to do something, we often make the wrong decisions. The "I have to have it no matter what" has gotten Americans in over a trillion dollars of consumer debt -- not counting home loans. It makes people fall for scams. It leaves you with a home that isn't worth what you owe or a car loan that has to roll into the next loan. It makes you pay hundreds of thousands over your lifetime in interest to banks and other lenders.

Learning how to find money in another way will pay you back hundreds of times in the long run. Cut your costs and save for the things you want. Imagine the thrill of paying in cash for a new car. Believe me, that will bring you more prestige than owing everyone you know. Make your wants work for you, not against you.

Martin Lukac represents http://www.RateEmpire.com, an Internet consumer banking marketplace. RateEmpire.com is a destination site of personal finance, investing, taxes and mortgage rates. RateEmpire.com provides mortgage guides and financial rates and information. RateEmpire.com also operates a financial portal #1 American Financial, found at http://www.1AmericanFinancial.com and San Diego loan portal http://www.LendingSanDiego.com

Article source: Expert Articles

Most Recent Articles in Personal Finance category

  • How Not to Blow the Student Budget - By: Victoria Cochrane
    Student life is great. The associated costs however, are not. Read on to find out how you can make the most of your student budget.
  • Promote Your Property with a Personal Loan - By: Paul McIndoe
    Selling property entails much consideration from redecoration to refurbishments, sprucing up the garden and advertising your abode to potential buyers. A personal loan may be just the ticket you need to get on the road to property selling success.
  • How to Keep Track Of Outstanding Balances - By: Adam Singleton
    It's easy to whip out a credit or store card to pay for something, but knowing what you will be paying in interest is vital if you do it all the time. Here are some tips to make sure you stay on top of things.
  • Budgeting For Retirement - By: Jeff Nelson
    Retirement can be a great experience if you plan for it, don't let planning for the rest of your life slip away from you.
  • Planning a Vacation on a Budget - By: Jeff Nelson
    Planning a family vacation on a budget can be very easily if you take these few steps into consideration when planning!
  • Top Tips on How to Budget your Money - By: Jeff Nelson
    Attitude is an extremely important factor in determining the success of your budget. Make sure that you start your financial planning with the right attitude.
  • From Chip and Pin, to Wave and Pay: the Cashless Society of the Future - By: Adam Singleton
    Whilst some predictions of a cashless society by 2012 may be a little wide of the mark, it certainly looks a probability at some point, thanks to the ubiquity of chip-and-pin technology, and the development of new 'wave-and-pay' technology.
  • Economic Crisis Spurs Importance of Budgeting - By: Jeff Nelson
    The importance of budgeting is now being seen as the economic crisis is affecting the daily lives of all Americans. Be smart with your money and determine your budget with help from useful tools on the Internet.
  • Speedy solutions for modern-day madness - By: Isla Campbell
    With speed and security two of its biggest advantages, the contactless credit card is a great way to eliminate such tedious activities as queuing and carrying small change. Read on to find out how it can revolutionise your shopping experience.
  • Going Green on Strict Budgets - By: Jeff Nelson
    By going green you will not only help the environment you will save money on your monthly budgets.