The Best Investment Guide

The best investment guide would cover investment options and investment strategy. This investment guide would be complete and start with basic financial concepts and expand to include the entire universe of investments. That’s a tall order, so let’s just start with a simple version, and talk about all of the investments in the world in plain English.

Your best investment is a good, complete investment guide. I’ve been tuned in to the world of investing for 35 years and have read over 100 books on investments and investing. Most of them center on the stock market or some form of investment technique or get-rich-quick scheme. Many are time sensitive and out of date by the time you read them. Many tell you how to invest money like the author did when he made his millions.

What you seldom get with an investment guide or book is an understanding of investment basics and a simplified blueprint of your many investment options. So, here’s your simplest and free best investment guide to all of the investments in the world. There are only 4 different investments or asset classes out there depending on how you categorize things. Once you bring it down to this level you have a basic framework to work with.

CASH EQUIVALENTS and other safe investments pay interest. Either your principal or rate of interest is fixed for a period of time. Examples include U.S. Treasury bills, money market mutual funds and bank savings accounts. Advantages include high liquidity (access to your money) and safety, low risk.

BONDS are long-term debt instruments and they pay more interest income than the above. Examples include U.S. Treasury bonds, corporate bonds and bond funds of various types. Advantages include relatively high interest income with a moderate level of risk.

EQUITIES or STOCKS represent ownership in a corporation. Examples include blue chip stocks, growth stocks and equity funds. Advantages include ample liquidity, growth and some income in the form of dividends. Risk is significant and profit potential is high.

ALTERNATIVE INVESTMENTS is our final category. Examples include real estate, gold, and foreign investments. Advantages include high profit potential and an alternative to stocks when they are out of favor. Risk can be significant here as well.

That’s about as simple as an investment guide can get. All investment options can be fit into one of these asset classes. The important thing is that you have a perspective, and that you understand the investment characteristics of any investment before you invest money. For example, someone pitches an investment to you. Where does it fit in our above format?

How does it rate in terms of: safety, liquidity, growth and profit potential, income provided and risk? All investment options can be and should be rated in terms of the above to assure that they fit your needs and risk profile.

If you learn how to invest you’ll have a means of supporting yourself for the rest of your life. Once you have a sound understanding of investment basics you’ve built a great foundation for learning how to invest. The best investment guide would cover both.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

Using a Payday Loan For Fast Cash

A payday loan is the type of loan you should seek if you need fast cash in a hurry, since this type of loan has quick approvals and virtually no credit checks. The aspect of being fast is probably the biggest draw for this type of loan, where you can usually have the money in a matter of hours. And since no credit check is required, this is especially helpful for people with bad credit.

Looking at all the different types of loans you could get, a payday loan is probably the easiest to get. Hardly any companies that offer this type of loan require a credit check. To get this type of loan, sometimes also called a cash advance loan, you need a job, a steady paycheck and a paycheck stub, and a checking account with a local bank. With all of those things, a payday loan is just around the corner for you. But you need to be aware of the characteristics of a payday loan before you sign on the dotted line.

You will typically need to have a minimum amount of employment with your current employer for at least a month, sometimes three months, and with a few more stringent companies, even six months. Your checking account must be with a local bank and should not be in the negative when you apply. The company offering this loan may check with your bank about the number of overdrafts you’ve had in recent months, but that is virtually as far as any type of credit check will go.

Although this type of loan is quick, the downside is the much higher fees involved. The amount of the fees will usually depend on the amount being borrowed. You can usually borrow from $100 to $500 with companies offering this type of loan, and some may even go higher, and the fees will be a percentage of the amount borrowed. Make double sure you understand what those fees are and which fees will be applied to your loan.

For instance, if you do not pay the loan off on its due date, usually your next pay day, and need to extend the loan, you will have to pay additional interest charges. Many payday loan companies allow you to extend your due date up to three times, each time you will be charged interest fees. It is usually best to pay the loan off on or before its due date to avoid excess charges.

The great thing about a payday loan is that they can be helpful when you are in a bind. Many people, especially those with bad credit, take advantage of these loans if they do not qualify for a traditional loan. The biggest differences between a payday loan and a traditional loan are the amount of time you have to pay it back and the finance charges.

There are no rules for what a payday loan can be used for. You can use it for car repairs when that repair cannot wait until your next pay day. It can be used to cover a check you wrote that you don’t want to bounce or to take an emergency trip out of town, or any other reason you may have. This type of loan most times will not even ask what you plan to use the money for, since it really does not matter.

If you find yourself in a tight financial spot, a payday loan can be very helpful, as long as you understand the process and the much higher interest and fees involved. The company providing the loan will usually expect payment on your next pay day, which is where the name of this type of loan comes from. There are many online companies that sometimes will charge significantly lower fees and interest for this type of loan.

Instant Payday Loans A Quick Solution

Has it ever happened to you that you have found short of cash, for any purpose like for a medical bill or for car repairs, which were an emergency and could not have been overlooked?

From now onwards you can avoid that humiliation by taking the help of instant payday loans. Instant payday loans are basically loans, which are taken for a short term for a specific purpose. These loans generally fill the cash shortage, which can unexpectedly come up before the next cheque becomes due.

Instant payday loans are ideal for expenses such as:

· An unexpected medical bill

· An unexpected car bill

· Grocery bills

· Various utility bills, or

· Any other petty expenses which can suddenly come up

These small expenses can be quite frustrating and then these expenses accrue and can become bigger. So they should be paid off as early as possible before they become even more menacing.

Applying for instant payday loans is easy. Now days there are no of organizations, which are offering the instant payday loans to the people. All a borrower needs to do to apply for a payday loan is to know how much he needs as a loan amount. Then go online and fill your personal and loan application forms of the organizations that deal in providing the instant payday loans. If your conditions fulfill the criterion of the lenders the loans will be transferred in your checking account within one business day i.e. in 24 working hours.

As far as the repayment of the instant payday loans is concerned it is also easy. The repayment schedule is told to the borrowers before they have taken the loan amount. The repayment schedule usually ranges from a period of 7 to 14 days with an opportunity available to extend that up to a month as well. A higher rate of interest will be charged every time the loan period is extended. The amount of loans that you can borrow is from £200 to £1500 with the loan amount depending on your income. So more you earn more you can borrow for your instant payday loans.

Instant payday loans provide many advantages to the borrowers but one disadvantage that could be labeled at these loans is that they carry a high rate of interest. Since they are short-term loans the lenders tries to earn more by charging a higher rate of interest. However you can get comparatively low rates of interest if you can negotiate well with the lenders. Instant payday loans comparison is a good way to find comparatively lower interest rates online.

However there are a few criterions, which a borrower has to fulfill before they can apply for instant payday loans. They are

· The borrower should be currently employed with recurring or regular income

· The borrower should have a minimum income of £1000 per month

· The borrower should hold a current and active checking account, and

· The borrower should be a UK resident and should be at least 18 years old.

Instant payday loans are available to all kind of people even to people with bad credit. These loans are short-term loans and as long as the criterion is fulfilled the loans are made available to everyone who needs these loans. Since these loans are made available quickly there are no credit checks.

Benefits of instant payday loans are:

· They are affordable in any kind of emergency

· They are required in a quick time so no credit checks are required

· They are easy to apply and are approved quickly

· Financial information of the borrower is kept confidential

· Easy for everyone to apply

· Minimum or sometimes no paper work required

Anything can happen any time. Any unexpected bill can come up from anywhere it is not always that we can cover for that. With the help of instant payday loans you can feel secure that nothing will go wrong. As with these loans every possibility is covered.

No Fax Payday Loans – Paperless Loans

As soon as you finalise the loan terms with a lender, the first thing that you remember to do is to fax your papers to the loan provider. Before the documents can be faxed they have to be arranged. There are always a few documents that you remember at the last moment. To add to the commotion is the fax machine itself. If you have your own fax machine then it is good. If not, you have to spend hours locating the fax machine. Then also there are problems of the documents not reaching in full or the print being too vague.

These problems are enough to make you think of a way out of the faxing requirement. As if God heard your prayer, and commanded of the loan providers to develop no fax payday loans.

No fax payday loan is exactly what borrowers in the UK will prefer. With no faxing requirement, they can go about their work freely.

This forms one of the principal distinguishing features of no fax payday loans. The characteristics of a no fax payday loan are such that can do without documentation. The amount that one becomes eligible for under payday loans is very less. Borrowers can draw an amount in the range of ₤40 to ₤800. The loan proceeds are to be used for such needs as could have been met through the borrower’s salary, had he not emptied it in the middle of the month. Regular loans where large amounts are exchanged cannot be approved unless the borrower sends his documents.

The faster pace of approval of no fax payday loans can be owed to this absence of documentation. The loan provider can at once approve the borrower on receiving his details through an online application. Fast approval forms one of the important motivators to use no fax payday loans.

One cannot postpone certain needs for long, particularly when these needs form the essentials like food or rent for your accommodation. It is these needs that come up for disbursal through the no fax payday loan. Delay in their approval can result in customer dissatisfaction.

Borrower must confirm a few details about the loan provider who has been selected to process the no fax payday loan. Firstly, that they must be reputable and must have an experience in processing payday loans.

No fax payday loans do require of the borrower to fulfil certain prerequisites before forwarding their case for approval. The requirements are as follows:

o The borrower must have completed 18 years of age.

o The borrower must have a bank account in which the borrowers’ salary is directly paid in.

o The borrower’s bank must have a direct debit facility.

o Certain loan providers desire that the borrower must have a chequebook.

Payday loans are generally offered as secured loans. It isn’t any asset that goes towards guaranteeing repayments. It is only through a post dated cheque that borrower agrees to make time repayments on the no fax payday loan. The loan provider will present the post dated cheque on the date payments are due. The due date for final repayment of no fax payment loan is generally a week or a month. As soon as the borrower receives his next months paycheque he pays off the loan. It will also be in the interest of the borrower to quickly relieve himself of the burden of payment. This is because of a very high rate of interest chargeable on no fax payday loans. Borrowers cannot escape the high interest rate because a no fax payday loan is a short term loan which is characteristically of high interest rate.

The higher interest rates must not however be the reason to abstain from no fax payday loans. The ability of no fax payday loans to arrange cash within a very short notice makes them an inevitable companion of the present day’s individual, who is always in the habit of exceeding his limits while spending.

All Credit Cards Are Good

All credit cards offer many benefits and features. Some come with a few disadvantages. To convey my point I will leave the disadvantages for others to write about. All credit cards are good in their own way for their own purpose and for that specific applicant. There are many credit cards for applicants with good credit, bad credit or with no credit at all. There are the so called “bad credit cards” and the “good credit cards.” Bad credit cards fit consumers looking to build “good credit.” Good credit cards fit consumers with good credit looking to take advantage of benefits that suit their daily lives. So are all credit cards good? Yes, because in some cases you have to start somewhere and sometimes, it comes at a price.

Consumers with good credit attract the credit cards that would better suit their income, credit history, spending habits and paying habits. Many credit cards that approach consumers with good credit tend to offer great transfer rates and lower interest rates on future purchases as long as the consumer’s credit doesn’t change in the wrong direction. Everyone has their individual needs and perceptions of their credit. So the only challenging factor for someone with good credit is to maintain the good credit status and keep a close eye on your credit limit to credit debt ratio. In my opinion, your ratio should be at around 25% to 40% because it is a responsible level to be proactive in managing your credit cards. A 25% credit limit to credit debt ratio would be $250.00 balance on a $1,000.00 credit limit. Investing in a credit monitoring service also helps to keep a third eye on your credit so you can focus on your busy life.

Consumers with bad credit attract the credit cards that seem to be outrageous because of interest rate, credit line or terms of the agreement such as annual fees and processing fees. In my opinion, their is no such thing as a bad credit card as long as they report the account to Experian, Transunion and Equifax (CSC Credit Service). Instead of them being called bad credit cards they should be called credit building cards. If you cannot get over yourself by accepting a credit building card, maybe a secured credit card from your bank would be the best choice as long as they report to the credit bureau. Never think bad credit is forever or that it can’t ever improve, it can with responsible steps. If you get a so called bad credit card then make sure you fulfill your end of the agreement, and don’t make excuses for not paying on time or letting it charge off because it was only $300.00. I think one factor that makes that type of card good is that the credit lines are usually no more than $500.00. That low of a credit line is a good thing because worst case scenario your minimum payment is between $15.00 – $25.00. Not bad for establishing a credit line that will be worth dividends in the long run. Yes, it will benefit you as time is established behind the credit card. Credit building cards are only short term because once you have began to establish yourself with 2 – 3 credit building cards your score will reflect the responsible habits and your score will begin to rise. So are bad credit cards good, of course they are.

Whether you have good or bad credit cards the responsibility is the same. Make your payments on time and watch your credit limit to credit debt ratio. These two simple steps, if followed consistently, will keep your credit cards as the good benchmark for your credit score to be based from. I have only referenced your credit cards that allow minimum payments and not any other types of credit cards or other credit lines on your credit report. I have also not referenced the impact of derogatory items on your credit report that would affect the establishing of your credit. All cards have benefits and features that are advantageous to consumers or contain hidden value, even if the card does not seem very desirable. When you decide to get any credit card base it on your own financial need and on the advantages that will benefit you and your credit profile. Credit is life and life is credit, understand it wisely.

All Credit Cards Are Good

All credit cards offer many benefits and features. Some come with a few disadvantages. To convey my point I will leave the disadvantages for others to write about. All credit cards are good in their own way for their own purpose and for that specific applicant. There are many credit cards for applicants with good credit, bad credit or with no credit at all. There are the so called “bad credit cards” and the “good credit cards.” Bad credit cards fit consumers looking to build “good credit.” Good credit cards fit consumers with good credit looking to take advantage of benefits that suit their daily lives. So are all credit cards good? Yes, because in some cases you have to start somewhere and sometimes, it comes at a price.

Consumers with good credit attract the credit cards that would better suit their income, credit history, spending habits and paying habits. Many credit cards that approach consumers with good credit tend to offer great transfer rates and lower interest rates on future purchases as long as the consumer’s credit doesn’t change in the wrong direction. Everyone has their individual needs and perceptions of their credit. So the only challenging factor for someone with good credit is to maintain the good credit status and keep a close eye on your credit limit to credit debt ratio. In my opinion, your ratio should be at around 25% to 40% because it is a responsible level to be proactive in managing your credit cards. A 25% credit limit to credit debt ratio would be $250.00 balance on a $1,000.00 credit limit. Investing in a credit monitoring service also helps to keep a third eye on your credit so you can focus on your busy life.

Consumers with bad credit attract the credit cards that seem to be outrageous because of interest rate, credit line or terms of the agreement such as annual fees and processing fees. In my opinion, their is no such thing as a bad credit card as long as they report the account to Experian, Transunion and Equifax (CSC Credit Service). Instead of them being called bad credit cards they should be called credit building cards. If you cannot get over yourself by accepting a credit building card, maybe a secured credit card from your bank would be the best choice as long as they report to the credit bureau. Never think bad credit is forever or that it can’t ever improve, it can with responsible steps. If you get a so called bad credit card then make sure you fulfill your end of the agreement, and don’t make excuses for not paying on time or letting it charge off because it was only $300.00. I think one factor that makes that type of card good is that the credit lines are usually no more than $500.00. That low of a credit line is a good thing because worst case scenario your minimum payment is between $15.00 – $25.00. Not bad for establishing a credit line that will be worth dividends in the long run. Yes, it will benefit you as time is established behind the credit card. Credit building cards are only short term because once you have began to establish yourself with 2 – 3 credit building cards your score will reflect the responsible habits and your score will begin to rise. So are bad credit cards good, of course they are.

Whether you have good or bad credit cards the responsibility is the same. Make your payments on time and watch your credit limit to credit debt ratio. These two simple steps, if followed consistently, will keep your credit cards as the good benchmark for your credit score to be based from. I have only referenced your credit cards that allow minimum payments and not any other types of credit cards or other credit lines on your credit report. I have also not referenced the impact of derogatory items on your credit report that would affect the establishing of your credit. All cards have benefits and features that are advantageous to consumers or contain hidden value, even if the card does not seem very desirable. When you decide to get any credit card base it on your own financial need and on the advantages that will benefit you and your credit profile. Credit is life and life is credit, understand it wisely.

Credit Cards For Bad Credit

Bad credit credit cards are offered by many banks as financial tools to help people establish or re-establish their good credit rating. Bad credit credit cards are primarily intended to make it easier to obtain and re-build credit, which is good for consumers and merchants as well. For all practical purposes, bad credit credit cards are just like regular credit cards, but they are specifically for high risk cardholders. If you have arrears, defaults and general bad credit score or bad credit rating, you may find that bad credit credit cards are available to you. Bad credit credit cards are considered the best choice for credit card deals if your credit score is below 550.

If you find that there are problems in approval of a traditional credit card then you can apply for other options like prepaid debit card, First Premiere Bank Cards and Orchard Cards and secured credit cards. Applying for these cards is exactly like applying for a standard credit card, with applications available on paper and online. Bad credit credit cards typically have a higher interest rate and lower credit limit than standard credit cards, but the issuers are more lenient when looking at past credit history. The fact that bad credit credit cards carry a high interest rate (most likely 20% or more) shouldn’t prevent you from getting one in an effort to get your credit back on track. Still, it is true that bad credit credit cards must be used responsibly, or your situation will just worsen.

From astronomically-high interest rates to ridiculously-exorbitant fees, erroneous information abounds. When it comes to bad credit credit cards, the myths definitely abound. In fact, bad credit credit cards are some of the most misunderstood financial tools of all time. Fortunately, the myths are oftentimes unfounded and bad credit credit cards are no longer the stigma they used to be. You might be relieved to find out that bad credit credit cards can actually have pretty decent interest rates. With so many credit card companies and so many different offers, it’s easier than ever for consumers to take advantage of reward programs. However, you must consider the factors such as financing fees, annual fees, introductory offers, credit requirements, availability of online banking, and others.

In spite of the additional fees bad credit credit cards are an excellent method for the people with bad or no credit, to improve their credit rating and to enjoy the benefits of credit cards. There are many other benefits to consider, which might be more valuable than a low rate. By paying off the monthly balance and avoiding high interest rates, you steer clear of more debt and show yourself to be a lower risk borrower over time. However, as you maintain regular payments, the creditor may gradually increase the spending limit. If you use a bad credit credit card for small purchases for a year or two and consistently pay the entire balance every month, not only will you not be charged interest, but you will rebuild your credit and be able to get lower rate loans in the future.

As you can see, bad credit credit cards are unique cards geared towards people who have had trouble getting approved for a standard unsecured credit card. However even with bad credit, its still possible to find a credit card for you, even if it means that you have to pay a slightly higher rate of interest. So if you are trying to rebuild your credit don’t think about it to much because bad credit credit cards when used properly are a cheap way to rebuild your credit.

Understand Return Policies From Payday Loans to Department Stores

Payday loans online are a fast way to get some cash. Some people who have second thoughts about obtaining the loan after they sign the contract may cancel the transaction at no cost. If you have received the loan, you do have the opportunity to change your mind, but depending on the lender, your time frame to do so may or not cost you the fees.

Businesses in general are finding that returns are oftentimes a loss in revenue. If a person changes their mind on a purchase or does not like a gift, they will want to return the product. Stores have become very picky with their return policies. Depending on how long you have had the low cost payday loan in your bank account, some lenders will not allow you to return the money without fees. More and more businesses are allowing returns, but will not give cash back for the amount returned.

Store credit is the new way businesses are holding onto revenue. Store credit is money on a card or receipt which can be used on future purchases within that store.

*Try to return something, tags or not, some stores will only offer you store credit.

*Return something without original tags or receipt; you will be offered store credit for the last known price for that item. If your shirt had gone on sale after the original purchase, you will only be offered that sale price as your return.

*Some stores have set time limits for returns. You will have to make up your mind within that time period if you want to be able to return the item.

*Some stores will only allow so many dollars per year for allotted returns, especially when there is no receipt.

Not only is the company trying to keep as much profit as they can from shoppers, but it will also keep the customer in the store looking for a replacement or for a different item. Strict return policies have also cut down on shoplifting. Shoplifters will be more tempted to steal from stores who give cash back on returns.

Good businesses practices will allow a grace period for returning. So whether it is department store or an online payday loan policy, you will have a return grace period which may differ from their counterparts. It is the job of the shopper or with online payday loans,the borrower, to have an understanding of the companies’ return policies. Many stores will have signs, information may be on receipts or the cashier will inform you. A payday loan online will have full disclosure on the contract. It is up to the borrower to read through the contract and understand the policies before signing for the loan.

When in doubt, ask. Call and ask a customer representative for clarity with return policies. If you are buying a gift or not sure the item will fit or match, ask the customer service desk about return policies. Most stores will work with you when you can present your receipt. Some stores will swipe the credit card, which the purchase was originally paid for, as a way to look up the transaction.

Keep the value of the product in your wallet by following the policy rules. It is the borrower’s responsibility to understand the information ahead of time.

Gearing Up For The Holidays Without A Payday Loan Online

Will I be running to or running from online payday loans? It isn’t even October yet and I have already heard the words “Christmas shopping”. I may not be ready to start my shopping, but it is time to start planning financially. It’s time to start figuring out how many paychecks I have left until then and figure out a budgeted amount to be spent.

A responsible lender would not tell you that a low cost online payday loan would benefit your holiday shopping. These loans are for emergency costs. Holiday spending is something which can be planned for throughout the year. Start early with a holiday savings club which may be offered at your local bank or maybe a fun decorated jar which you keep up in your closet. Stick away so much per paycheck throughout the year and you will have cash to spend come the holiday.

Budgeting anything can happen as long s you have the will power and dedication to make it happen. How many people will you be shopping for? How much would you like to spend on average for each person? When you break that total down to how many paychecks you will get before the holiday comes or during the year if you are going to make it a whole year project.

When it is time to shop, don’t be tempted by ATMs, credit card offers or payday loans to over spend. The purpose of the holiday is to give but not to the point where your finances will be hurting. It doesn’t take expensive gifts to make the holiday festive. All it takes is some planning and a bit of self-control in order to make it through the end of the year without sinking further into debt. When you have the cash on hand, you will be able to take advantage of any early sales. If you start saving now, you will hopefully be able to have enough to make a dent in your shopping list come the big sales time.

Credit card and payday loans online debt have grown in popularity for those who shop beyond their means or spend no time trying to work these costs into their yearly budget. The dates do not change, you have a year to plan for it, and so what reason would you need a new line of credit or a loan for? Unexpected costs, medical emergencies, or a rise in fuel costs are all unplanned income busters. The only way to plan for these costs is to have a savings account which you can pull money from during that financial crunch.

Responsible lenders does not promote their low cost payday loans as a way to shop for the holidays. These loans cost money and if you do not have the money to spend in the first place, it is not a cost effective way to go shopping with. If you have the money and this is just to tide you over till your next paycheck, then that is different. The debt in this country has been attributed to many people living beyond their means. Payday loans online carry high interest rates and are not helpful to a budget when paid off long-term.

Put Payday Loans In The Past While You Rework Your Financial Thinking

If you want to get back to the way things were done in the past, you may find your finances looking stronger. Get rid of the online payday loans and plastic cards that only increase opportunities to spend beyond our means. Scary thought for many.

People have become so accustomed to having accessibility to the latest in technology, electronics, clothes and toys. Children of today see credit cards so often that they call them “money”. My daughter loves to carry used hotel key cards in her purse as her own money. She even tried to use it at a store. The funny thing about this is that she can barely reach the counter, but knew how to slide the card through the credit machine. What kind of message am I teaching my children? I know I am not the only one who depends on plastic to make my purchases. I pay for my conveniences. Rather than having to stop at the bank or withdraw money at an ATM, I choose to use plastic. So what would my financial budget look like if I went back to ways things were done in the past?

Well, for starters, my plastic would be gone. I would need to be planning weekly visits to the bank in order to keep cash in my wallet. I would have my checkbook neatly planted in my purse and have to plan ahead in order to make on time payments. If I didn’t have enough money in the bank, my shopping or bill payments would come to a sharp halt. Forget about online short-term loans, I would need to find a corner payday loan store to get a cash advance against my next paycheck, head to the pawn shop or have a garage sale. If I owned my own car, title loans are another fast money possibility. Without convenient plastic, people actually had to plan their purchases. What a magnificent idea!

Those who have bad or no credit and have limited credit opportunities due to poor management of piles of debt have similar choices for money help. A big difference between past and present is that people in the past had no other option based on lack of availability rather than destruction of opportunity. It seems like we live in a society which promotes transforming the have-nots into haves no matter the cost. It is convenient for a consuming society to rely on third party money to be opportunistic.

Bank account running low? Head out to get a payday loan in order to alleviate any need to cut costs. Apply for additional credit lines when others are used up. Keep on the same ole spending track and see where it heads or take some time and revamp your financial mindset. We don’t need to have the fancy home across town or the lower end luxury vehicle to drive back and forth to work. Once we step out of the notion that we need the latest product or feel like we need to have what everyone else is having, we can start correcting our financial situations.