If you didn't answer that question before the trouble started, you will be doing a lot of back tracking.
Is the spiraling economy a problem or a symptom? It's easy, when things are going well, to spend, spend, spend. Go ahead, it'll be covered. You've got credit!!!!! I don't remember the analyzers back around 2003 saying "don't overdo your equity with a big loan for all its worth." Now it's bail-out time. Managing money can be tricky.
When Dawn and I first got married I had this sense that we had to have everything that our parents have. It took awhile, but the realization hit me that they have been working to get what they have for the last 25 years. Why do I think that I should have it all right now?
Slow...........methodical.........earn it............save it............pay off the credit............save some more. That has been our plan. There are lots of things we could have, but I keep thinking of the things that we desire for the future, so we save, save, save.
One car is good for now, a little limiting at times, but it must work. Lunches can be made from home. Clothes saved for the next child down. Don't overspend what you earn! The equivalent of a car payment saved is worth alot more than a payment made to someone else.
We have not always been able to save like we would like, but over the long haul things get covered. John Wesley said, "Make all you can. Give all you can. Save all you can." I am exploring ways to make all I can. We have worked to honor God in the give all you can. A regular savings plan has helped us through many emergencies. I wish the bank could help more with a better a.p.r.!
Mind your spending lifestyle. Patience is a virtue when it comes to non-necessities. Honoring God is an essential. Honesty in dealings will reward you. Pray that the government does not ruin it all.
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