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Randall Davis Barfield

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First Things First
10/16/2009 11:26:30 AM

The Elkhart stories of people losing their jobs & homes are heart-rending. Almost anything can happen to anybody, actually. We don't really have any guarantees to speak of. One person admitted, though, that due to stress they went out and spent too much using credit cards. It really isn't too late for couples, especially those starting out, to take certain actions to at least try to have more security.
For example, many people have too many vehicles. Again, we are forced to examine our lives and categorize what we need versus what we like & want. Quite a difference!

What is more important? The vehicle(s) or the roof over your head? Much money over the years (and I've seen this firsthand, of course) has been "wasted" or thrown away on this & that vehicle. Money that could have been put to use paying on a house or paying off a house. Then, 20 years later some folks discover they have neither that prized vehicle of many years ago nor a house. Delayed gratification comes into play. Not fun, but neither is being homeless fun.

Not long ago I had 2 credit cards (OMG!). My better half also had 2. Then, every time we charged on the 2nd card, we started thinking: Why are we using this one? (MC)
Because we had a bal. too high on the 1st, that's why. We couldn't pay down the 1st one, so we took the 2nd out of our wallets!
So, we decided folks really don't need more than 1 credit card. Choose which one you like such as AmEx or Visa, etc.
If you need more than one, you're heading for trouble. Maybe not "soon" but in the long run.

18 years now I've been a happy soul without any vehicle to my name. No battery worries, car insurance worries, tire worries, engine starting worries, car wash worries, seat cover worries, etc. That's saying a lot, believe me. That's cause I live in a big city. I have plenty of transport options. I realize when you live in small cities and towns it's nearly impossible to live without a vehicle. But, let's face it, some families have 4, 5 or 6 vehicles outside their homes. That's a lot of expense and headaches!
You know what they say: if we have nothing to worry about, we create something.

Much of this economic downturn (and hopefully it will turn again, up not down!) has forced many individuals and families to think twice. What is important in my life and what is superfluous?

Just thought I'd share some thoughts.

Hugs.

Comments (3)

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