This is the author's interpretation of the points learned about religion fifty years ago. It does matter who you serve and how you serve too. That is the crux of religion. The Bible says the love of money is the root of all evil. It does not say money is evil like some people say. The inner person and how they live their life according to God make a person have faith. It is not necessary to be a goodie two shoes if you hate being a goodie two shoes. If you make a person miserable just to have a feather in your cap your religion is messed up for yourself and those around you. I knew such a person who made big splashes in the so called Godly life, but had little compassion as life for that person continued.
Again this is a personal account of what spending has impacted and influenced my life. When unexpected expenses occurred they were met with money stashed away for such crisis times. When the crisis ended, the savings began again for the next emergency. Spending never should get out of control for a family if it can be avoided. Learning how to spend according to the income area comes with following a budget to the "T". If spending gets out of hand, it takes a long time to get back into normal living once more. Avoiding the ovder spending can and should be learned at home before children are are on their own.
Just because a person has wealth does not mean they are saving. One person in my fifty years of living was extremely wealthy and was giving, caring and honored others while they took a back seat for themselves. It was more important to be good, cheerful, helpful and sensitive than it was to flaunt the wealth they actually had. I knew this person quite well and the millionaire status often was down played in place of providing work, complimenting others and being empathetic. These are so much more important than saving any amount of money. Coming into the world with nothing, we leave with nothing too. Spend wisely and save only when really necessary so no one has to take care of your needs that should not be taking care of those needs.
Looking into the future is difficult in early years. Yet, this is the perfect time to put away for the years in the future. Even if it is a dollar a day, change in the pocket everyday or some demand a person puts on themselves will make a brighter future. The cookie jar used to be a good place to stash money and with the LOW interest in the bank, a safe place at home is now a great idea again. As times get tough through the years, the future comes closer and closer. Plan on at least thinking of the future as a teen. It would be even better if the future is thought about before those teen years.
Watch your credit card use each time you use that plastic. It can easily overcome smart thinking and restraint. Credit cards are not meant to keep providing when there is no way to pay that balance off each month. Not many people think that way, but if they did, the finances would be more solid for them. Try not using the credit card for a month. Try paying off half of the charges you make in a month. You will see it can be considered an addiction to spending what a person really does not have to spend. Keep in touch with the amount of interest the credit card charges. Don't pay them a red cent, but keep your credit within your means to pay off each month.
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