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Monday, January 2, 2012

Money Wars...

Don't go getting defensive and patting your back pocket to make sure your wallet's in there. This post has nothing to do with guy's needing to earn a certain amount, pay for everything, spend atrocious amounts on holidays, anniversary's or engagement rings, etc etc. All that is as annoying to me as it is to you most likely and will be addressed later in a blog entitled "Money-grubbing sluts"...

This particular blog, however, is regarding the incapabilities of a large majority of the male gender to budget and save. I honestly cannot name the number of males I know or have had dealings with in the past who whine, whine, whine about bills not getting paid, needs not getting met and the lack of money they have only to do research and then find out that the important bills like phone, electric, car insurance could have been paid if he hadn't just spent $150+ on that new "must-have" collectors edition video game and insiders guide, or $150+ on that new ipod that holds a whole 50 more songs than his old one which is still in perfect working condition. Etc.

It's called PRIORITIZING people. And as much as the game and insiders guide may be more fun than paying your car insurance the car insurance is what keeps you from getting a ticketed fine, an impounded car fine, and a black mark on your driving record. While the new Ipod may be more fun to listen to and save you 15 minutes of time going through and deleting some old songs to make room for new, the PG&E bill is what provides heat in your house to keep your children from freezing to death or catching illnesses, it's also what allows you to cook food so none of your family starves. FUN is not the priority, being up to date with the "cool kids" on the latest fashion and game fun is NOT the priority, having the newest, coolest, or most expensive is NOT the priority.

Keeping yourself and your family fed, clothed, warm and safe is the priority, minimizing expenses by preventing things like $100+ tickets by keeping your car in good repair and fully insured and registered is the priority. Fun, new, cool, expensive, come later AFTER all the bills have been paid, animals have been cared for and food has been bought. THEN you can spend or save what's left on games, clothes, movies and fun.

Write a budget and STICK TO IT. Every time you think about fudging on it and splurging bill or food money on something you DON'T NEED, take a look at your children and then ask yourself if whatever you want is really worth STEALING from your kids. Because in essence, that's what you're doing every time you spend NEEDS money on WANTS: STEALING FROM YOUR KIDS.

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