If you are currently facing credit issues, repairing your credit may seem like the most important thing to focus on.
But it isn’t.
Yes, it is important. But the reality is that it is just as important to think about what caused the credit challenges in the first place and address these issues. Unless you do, it is just a matter of time before you end up right back where you are.
Yes, it is easy to blame a divorce, lost job or failed business for our credit challenges.
But, for most of us, if we had planned better in the first place, we would have been in a better situation to weather the storm.
Now here is my confession: I find thrifty living….hard…
Give me a credit bureau and I can analyze the strengths and weaknesses in seconds and come up with a strategy to improve the score.
Calculate a debt to income ration – no problem!
Create a personal balance sheet – easy!
But couponing? I’m clueless.
(I have total awe for people who brag : I just got $100 worth of groceries for $42.68! How do they do that????)
Feeding a family on a budget? Not my forte.
Conserving Energy…well, you get the idea.
The truth is that I probably spend MORE than the average person, even though I SHOULD know better.
Fortunately for us all, there are a lot of good resources out there on the web! (And some really smart mommy bloggers!)
So, even though I can’t claim to be an expert in frugal living, (at least I’m honest!) I hope you will go on this journey with me. Learning to manage your money wisely is one of the most important things you can do for your family.
And frugal living? It just makes sense!
Related posts:
- Thrifty Living: Organizing Coupons and Getting Started! I know I should use coupons. They are free AND...
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