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When Your Paycheck is Never Enough
I was having a conversation with a friend the other day who makes twice what I make. In the course of our conversation he says to me that he's stressed out financially. I ask him why and he tells me that he feels broke all the time. He just can't seem to get ahead.
Working in banking, I hear the same excuses a lot. The most common, and the one my friend tried the other night, was that I "just don't understand his situation." Yeah, ok. I make $30,000 less than he does, but I just don't understand what it's like to never feel like I can get ahead.
All snarkiness aside, the reality is that my friend needs to stop thinking of his paycheck as never being enough and adjust his expectations. So, here's what I told him.
1. Stop Living Beyond Your Means.
We hear this a lot in personal finance, but it's true. You can't make $60,000 a year and live like you make $100,000. My friend has two cars and a 5-bedroom house...and he's single. There's no need for all of that. Pick one car and sell the other, then sell the house and buy a smaller one. Sheesh, no wonder he doesn't feel like he can get ahead.
2. Stop Keeping Up With the Joneses.
We've all done this to some degree, some more than others. But, we compare ourselves to other people. Stop it! Even if you get to the top of that mountain, there will be others that are taller. When your expectations are not in line with where YOU are, then you'll be disappointed and overextend yourself trying to make up for it.
For more ideas on how to stop thinking your paycheck is just never enough, visit MoneyNing.com. I shared it with my friend and he’s got some major soul searching to do.
Anybody else find themselves in this situation? Tell us what you're doing! - Kristy Young
Great Mother is Real... I am Aisha Kun and i want to testify about Great Mother how she cured me of hiv aids. I was diagnosed of this disease some time ago and i was worried. when i was searching the internet looking for a cure, i came across some testimonies of Great Mother how she has helped a lot of people and i decided to contact her on her info and explained to her. She laughed and told me that she will help me and i was surprised. She sent me the cure and it was a spiritual holy oil and water which is more than a medicine. She directed me on how to take it and i did. I took the cure for 3 weeks and i went to the doctor for check up and to my greatest surprise the disease was no longer in my system. I am so glad and i want to thank Great Mother for helping me. Contact her now on her website ourgreatmother1.com and her email is Greatmotherofsolutiontemple1@yahoo.com you can also reach her on her whatsapp number +17025514367. If you have any disease, she can help you. Contact her now
Great Mother is Real... I am Aisha Kun and i want to testify about Great Mother how she cured me of hiv aids. I was diagnosed of this disease some time ago and i was worried. when i was searching the internet looking for a cure, i came across some testimonies of Great Mother how she has helped a lot of people and i decided to contact her on her info and explained to her. She laughed and told me that she will help me and i was surprised. She sent me the cure and it was a spiritual holy oil and water which is more than a medicine. She directed me on how to take it and i did. I took the cure for 3 weeks and i went to the doctor for check up and to my greatest surprise the disease was no longer in my system. I am so glad and i want to thank Great Mother for helping me. Contact her now on her website ourgreatmother1.com and her email is Greatmotherofsolutiontemple1@yahoo.com you can also reach her on her whatsapp number +17025514367. If you have any disease, she can help you. Contact her now
Great Mother is Real... I am Aisha Kun and i want to testify about Great Mother how she cured me of hiv aids. I was diagnosed of this disease some time ago and i was worried. when i was searching the internet looking for a cure, i came across some testimonies of Great Mother how she has helped a lot of people and i decided to contact her on her info and explained to her. She laughed and told me that she will help me and i was surprised. She sent me the cure and it was a spiritual holy oil and water which is more than a medicine. She directed me on how to take it and i did. I took the cure for 3 weeks and i went to the doctor for check up and to my greatest surprise the disease was no longer in my system. I am so glad and i want to thank Great Mother for helping me. Contact her now on her website ourgreatmother1.com and her email is Greatmotherofsolutiontemple1@yahoo.com you can also reach her on her whatsapp number +17025514367. If you have any disease, she can help you. Contact her now
Great Mother is Real... I am Aisha Kun and i want to testify about Great Mother how she cured me of hiv aids. I was diagnosed of this disease some time ago and i was worried. when i was searching the internet looking for a cure, i came across some testimonies of Great Mother how she has helped a lot of people and i decided to contact her on her info and explained to her. She laughed and told me that she will help me and i was surprised. She sent me the cure and it was a spiritual holy oil and water which is more than a medicine. She directed me on how to take it and i did. I took the cure for 3 weeks and i went to the doctor for check up and to my greatest surprise the disease was no longer in my system. I am so glad and i want to thank Great Mother for helping me. Contact her now on her website ourgreatmother1.com and her email is Greatmotherofsolutiontemple1@yahoo.com you can also reach her on her whatsapp number +17025514367. If you have any disease, she can help you. Contact her now
Great Mother is Real... I am Aisha Kun and i want to testify about Great Mother how she cured me of hiv aids. I was diagnosed of this disease some time ago and i was worried. when i was searching the internet looking for a cure, i came across some testimonies of Great Mother how she has helped a lot of people and i decided to contact her on her info and explained to her. She laughed and told me that she will help me and i was surprised. She sent me the cure and it was a spiritual holy oil and water which is more than a medicine. She directed me on how to take it and i did. I took the cure for 3 weeks and i went to the doctor for check up and to my greatest surprise the disease was no longer in my system. I am so glad and i want to thank Great Mother for helping me. Contact her now on her website ourgreatmother1.com and her email is Greatmotherofsolutiontemple1@yahoo.com you can also reach her on her whatsapp number +17025514367. If you have any disease, she can help you. Contact her now
Great Mother is Real... I am Aisha Kun and i want to testify about Great Mother how she cured me of hiv aids. I was diagnosed of this disease some time ago and i was worried. when i was searching the internet looking for a cure, i came across some testimonies of Great Mother how she has helped a lot of people and i decided to contact her on her info and explained to her. She laughed and told me that she will help me and i was surprised. She sent me the cure and it was a spiritual holy oil and water which is more than a medicine. She directed me on how to take it and i did. I took the cure for 3 weeks and i went to the doctor for check up and to my greatest surprise the disease was no longer in my system. I am so glad and i want to thank Great Mother for helping me. Contact her now on her website ourgreatmother1.com and her email is Greatmotherofsolutiontemple1@yahoo.com you can also reach her on her whatsapp number +17025514367. If you have any disease, she can help you. Contact her now
Genuine Online Spell Cater On Urgent Love Spell To Get Your Ex Back, Fix Your Broken Marriage And Stop Divorce
I just found out about my husband cheating on me with a co-worker! We’ve been married going on two years. 4kids. lots of amazing momments together. i want to leave, but i love him so much. all i can think about is how nothing stopped him. how he has to see her everyday because they work together. we are both still young and very attractive. but i want my husband, my friend, and the father of my beautiful children. how do i get past the thought of another woman having my husband? Not my fiancé, not my boyfriend, but my husband! i still love him even though he thinks i want to leave i really want him to do better and stop me before i walk out! my husband told me that he doesn’t feel loved anymore, just because of this co-worker he has be cheating on with me that he wants a divorce, i was devastated, heart broken i begged him to listen to me that we can work it out like we always do, but he didn’t listen, he told me that he met someone that loves and understands him, i begged him to consider our kids but he’s did listen. he left and i was frustrated, i began searching for help and answers, then i heard about a man that can Cast a spell to remind him of all the things we have been through together, at first I was scared then i decided to give it a try, and like magic my husband came back, apology and begging for forgiveness, thanks to this man, I’m posting this to help people with
similar issues. You can contact him Dr.Goodluck for help too. or view his Email goodluck05spellcaster@gmail.com
Call or Whats-app him: +2348138654465
website:http://drgoodluck.simplesite.com
Celebrate this Christmas season with joy and gladness in your heart...
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Hello everyone in this forum, I am Luis Root from USA, I cannot believe that God really exist not until i was Redeemed and saved from Financial bondage.. l was into financial crisis and needed to pay some bills. l tried seeking help from banks but all to no avail,l also tried seeking help from the internet only to meet scammers who pretended to be private lender and made away with my $15000 and did not get my loan, not until GOD introduce me to Moore Robbinson through a friend who was rescued from financial problem and a loan of $100,000.00 was granted to him by Moore Robbinson, so l took his advise and contacted Moore Loan Company and in the space of one week my loan of $200000 was granted to me.so my advise to everyone seeking for loan at low interest rate of 2% .l am doing this because l am so happy am out of financial bondage and am once again full of joy and life is easy all thanks to GOD and Moore Robbinson. You can contact Moore Loan Company via {mooreloancompany@yahoo.com} OR Text (414) 454-9493
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Thanks for your cooperation
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Welcome To Chester Brain Loan Service….(Brianloancompany@yahoo.com)
Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.Our loans Are well insured for maximum security is our priority, Our leading goal is to help you get the service you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases
We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate @2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.
Interested applicants should Contact us via email: {Brianloancompany@yahoo.com } OR text (803) 373-2162
Thanks for your cooperation
Chester Brain..
Welcome To Chester Brain Loan Service….(Brianloancompany@yahoo.com)
Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.Our loans Are well insured for maximum security is our priority, Our leading goal is to help you get the service you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases
We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate @2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.
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Thanks for your cooperation
Chester Brain..
TRUSTED LENDER (LEXIELOANCOMPANY@YAHOO.COM)
My name is Michael Lee a citizen of Illinois, USA. i have been scammed by 7 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 23930USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called MARTINEZ LEXIE LOAN COMPANY where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 7 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. I filled the loan application form and proceeded with all that was requested of me and to my greatest surprise my loan was granted to me without further delay and here i am today happy because Martinez Lexie Loan Company HAS GIVEN ME A REASON TO LIVE, so i made a vow to my self that i will keep testifying on the internet on how i got my loan. You are to contact this GODSENT LENDER via Email: Lexieloancompany@yahoo.com OR Text +18168926958
Thank you Dr.Agbazara for helping me to unite my relationship just within the period of 48 hours. I can still remember those period when i was having problems with my lover but today through the help of Dr.Agbazara i am having joy in my relationship. And if you are having problems in your relationship the right place to get it solved is at: agbazara@gmail.com OR you can give him a call on +2348104102662. By his help all your problems will be solved within 48 hours
VAL
CANADA
In 2008 I had a massive heart attack I was in a coma and put on life support, 3 days later i woke up not knowing where I was. I slowly started to remember things and people. Now the only problem is that I could only stay off of work for 3 months because I had to go back to work to take care of my family. Times are really hard do to the many problems with our economy problems. What are family to do when you have worked your whole life and now prices are going up and the state has no money /jobs for the people.
Eddie Ray
NC
~~We have recently-and still going through hard times where husband was suspended from work/and will be again-but lies about why. We do not have enough money to pay bills or buy groceries and have stretched everything as far as I can. I do not understand people who throw and waste good money in this time of economic problems. One of these days they may have to live like we do-worrying about evictions, paying bills, feeding families and pets....Where does it all end???? And no one to go to for help....
Yes, I find myself saying this a lot when technically it isn't true. I feel broke all the time because any extra money from my paycheck goes to paying down debt. This is a good reminder that I need to quit complaining that I have no money and remind myself more how responsible I'm being by paying down debt first.
A good friend of mine recently bought a new car that I thought was probably out of her budget. I know friends shouldn't meddle in financial affairs but I couldn't help but ask how she was going to afford it. Her response was that she worked hard and therefore deserved a nice car. I don't think she's the only one with this rationale. It's something that all Americans have thought at some point and also got us into a lot of financial trouble. It's great to aspire to have nice things and we all certainly work hard enough to deserve them, but if we simply can't afford them, its irresponsible to buy them. I know its easier said than done, but keep this in mind the next time you think about getting ahead.
I always get frustrated when people say "I have no money" but they are sitting on a pile of savings. I know, I know, savings should be saved, but don't claim that you have no money. But then again, I only have about $200 in savings, so I'm probably just jealous. :/