If I have a steady job, why is this happening to me? Most of us still use old beliefs and strategies that do not work anymore our parent thought us. Once before, about 100 years ago those strategies worked just fine. Now is a new generation and the first reason why are we still “just over broke”(JOB) is by following the old beliefs and strategies.
Budget – know what you spend. You can’t manage what you don’t measure. A lot of people are clueless about where the money goes that they take out of the ATM or the impulse buying on their debit card. Many times they simply wait until the end of the month to see if they have any money left. If they do they may save some of it.
Illegally, most people make extra money just to survive. Some might steal a bread to feed themselves or their love one. Some might have a career of pick pocketing to buy themselves a cup of coffee to keep them warm at night. Some might even rob from a bank just for pleasure to make extra money, talk about easy money.
Many hotels, airlines, and alquiler de carros companies offer programs for travelers. Even if you are not a frequent traveler, you should be able to find a program that will offer you some benefits.
Hand 3- Wants – Are the icing on the cake. The vacations, the rent car, and clothes are great. Life is short, so live it and enjoy it. But do not make your wants your number priority. There is nothing like a well-dressed, but broke person.
Their amenities supersede the rates they offer. You are sure to enjoy your vacation to the highest level. While perusing the city and exploring every corner and shops, you can go back to your hotel and have a fabulous meal and a quite evening. No matter how tired you get after the whole days activity, you are sure to come home to a luxurious bed that affords you a good nights rest.
These are some of the painful but necessary steps you must take in order to improve your creditworthiness and rating in the eyes of current and future lenders. So, embrace these steps and make it work for your personal finance needs.