A house of cards

You can’t live in a house of cards (pun intended) forever. Eventually those living a life fueled by borrowing will crash and burn. Stay focused on getting out and staying out of debt.

You can't get ahead if you are in debt.

You can't borrow your way to prosperity.

You can't keep moving debt around and make it disappear.

You can't ignore your problem and hope it away. Take control, fix YOUR problem.
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Reach out for help

Don’t be afraid to reach out for help.

There may be programs available to help you out of your financial problems provided you didn't just blatantly create them. I am told many hospitals will work out financing for healthcare, but you have to ask for that help first.

Being too proud can hinder your financial freedom. Being proud is different from being stupid. Ask for help.
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You get the idea

If you get paid weekly, budget for a week. If you get paid every two weeks, budget for those two weeks. Monthly? You get the idea.

You can string weeks together if it makes sense to you. Don’t get frustrated and think you have to budget a perfect month, that doesn't exist for most of us.

Budgeting takes months, if not years, to get right. Don't get frustrated and don't think it's a one time and done deal.
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Thank you Veterans

Our Veterans didn't sacrifice their lives so we could live in debt. They sacrificed so we could live in freedom. To do otherwise is to do them a disservice.

Thank you Veterans, past and present.

Read up on The Soldiers' and Sailors' Civil Relief Act (SSCRA) and pass along the information to anyone you think it can help today.


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Credit card companies

Credit card companies make money when you spend. Don’t get all excited or think it’s a sign of responsibility when they give you access to that money. Take more pride in not participating in their scheme at all.

They couldn't care less about the principal being paid. They want the interest, fees, and late charges. That is free money to them.

Don't play this game 'cause you'll lose.
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Paid-for vacations

Paid-for vacations are even sweeter when you get to return home in your paid-for car to your paid-for house and sit on your paid-for furniture and watch your paid- for television and . . . oh you get the idea, don’t you?
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Pay as little as possible

Walk in a store, look at the salesman, hold up your checkbook and say, “The full amount for what I want is right here. Only you can mess this up.”

Oh ok, be nice about it, but remember their game is to get you to pay as much as possible for what you want. You may want to let the salesman know you're playing your own game -- to pay as little as possible for what you want.

Then you can both go from there . . .or not.
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