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Great New Book – The 7 Untold Rules for Creating Black Wealth

The 7 Untold Rules for Creating Black Wealth
By Eugene Mitchell

The purpose of this blog is to help followers build a foundation for creating wealth, or to continue on the path to maintaining and keeping wealth they may already have.  If you are a longtime reader you know that we place great emphasis on budgeting wisely, controlling spending, and getting out of debt.

I just discovered this new book today, “The 7 Untold Rules for Creating Black Wealth,” written by Eugene Mitchell, Founder and Principal of E. Mitchell Consulting Group for Financial Literacy & Financial Services.  Check back here for the announcement of the launch of this enlightening book, or contact us directly at info@cwrtalknetwork.com.  We hope to interview Mr. Mitchell in coming weeks on our Internet talk network, The CWR Talk Network.  So, visit our website, check back at this blog, or contact us at info@cwrtalknetwork.com for more information.

Here is a flyer with information about the book:

 

 

 

 

 

 

 

 

 

 

Listen To Certified Financial Planner Tonight, On Donell Edwards: VIEWPOINTS

How To Maintain Or Take Control Of Your Finances

Shannon Ryan
Certified Financial Planner, Founder of The Heavy Purse

In our continuing celebration of Financial Literacy Month, tonight’s program discusses How To Maintain Or Take Control Of Your Finances.  During this program we will discuss the importance of a realistic budget, understanding credit and credit scores, the correct approach to spending, and avoiding and getting out of debt.  Our special guest is Certified Financial Planner, author and speaker, Ms. Shannon Ryan.

Shannon has two decades of experience helping individuals, families, and businesses become financially confident.  She has spent her entire professional career helping real people make sense of their money.  She has been in the trenches with people as life happens to them, giving her invaluable hands-on experience and insight.  As a result, she’s learned that how you think about money is the key to financial success.

Join us for this very insightful program about the way we think about money, and the way we should think about it, and how we may do a better job of maintaining control or taking control of our personal finances.

Listen LIVE Monday – April 9th at 6:30 PM CDT at – http://tobtr.com/10710683

The Conversation Everyone Avoids, That Almost Everyone Should Have

It’s Financial Literacy Month.  Do You Know Your Money?

 

Know Your Money
Tuesday – April 5, 2017

The Conversation Everyone Avoids, That Almost Everyone Should Have
By Donell Edwards  

 

According to research conducted by ValuePenguin, an organization that provides objective analysis to help consumers, 38% of American households carry month-to-month credit card debt. The ValuePenguin study also discovered that “Households with the lowest net worth (zero or negative) hold an average of $10,308 in credit card debt.” ( Sources: U.S. Census Bureau, U.S. Federal Reserve, 2013 Survey of Consumer Finances)

A 2016 GoBankingRates.com survey found that 69% of Americans have less than $1,000 in savings, while 34% say they have no savings at all. The survey cites two factors as major contributors to this problem: (1.) “One of the big reasons people aren’t saving more is likely because they are living beyond their means.” And (2.) “… credit cards and other cashless payment options such as Apple Pay have made it even easier to spend.”

Another very enlightening fact was revealed in a 2013 Gallup Poll, which found that “only 32% of American households were sticking to a monthly budget.” Which means that 68% of the population either does not have a budget or fails to stick to a monthly budget.

Alarming statistics like these demonstrate a need for personal finance management skills that many Americans are missing.

 

 

 

Personal finance management affects a variety of areas including a person’s income, family security, standard of living, and savings. Financial planning helps people determine both short and long-term goals in order to create a balanced plan to meet those goals.

As a result of my own personal experience with money management, what I have learned from those experiences, conversations with others knowledgeable about this subject, and research that I have conducted, it has become obvious to me that many people need help with personal money management. That is why I founded this blog, Know Your Money Global (KYM), in 2013 to promote financial literacy and encourage effective money management.

This blog, KnowYourMoneyGlobal.net, was designed to promote financial literacy, provide valuable news and information about personal money management, personal finance, credit, debt management, tax savings and wealth building. The blog encourages readers to create their own dynamic personal cash economy, rather than using the credit-driven economy that so many are accustomed to.

We are dedicated to fostering the concept of a community of individuals, groups and organizations that share our mission of improving financial literacy and effective money management. Because of this, our Know Your Money Global Blog features posts that combine personal experiences with the expertise of industry professionals in order to give readers well-rounded information to take away.

Additionally, we provide periodic check-ups so that readers may evaluate their progress and identify areas where they may need to focus more attention. We also provide information about valuable tools and resources that readers may use in their effort to maintain or improve their money management skills.

Beginning Monday – April 17, 2017, Know Your Money Global will introduce the free 13 week KYM Money Success Strategies Institute. The Institute will provide step-by-step instructions on how to improve money management skills, how to use credit wisely, how to get out of debt, and how to build wealth.

If improving your personal money management skills is important to you, register today for our KYM Money Success Strategies Institute, or if someone you care about needs this information, encourage them to register. To register, go to our Sign-Up Form tab and provide the required information.

There is no better time to start making knowing your money your way of life than now, during Financial Literacy Month.  The KYM Money Success Strategies Institute begins Monday – April 17th.  So sign up right now!

 

We Would Like To Hear From You.  Are There Any Brave Souls Out There Willing To Share?  If you would like to share with our readers how “bad” spending habits have affected you, anonymously or otherwise, for our upcoming special, “Confessions Of Spendaholics,” please send your experience to comments@knowyourmoneyglobal.com.

 

Donell Edwards
Publisher, Writer, Speaker

About Donell Edwards:  Donell Edwards is President of CWR Media Group which includes CWR World News Talk Radio Show and CWR World News & Information Service, a daily online newspaper.  He is also a professional speaker, freelance writer, and entrepreneur.  

To book Mr. Edwards to speak at your next event, contact:

Donell Edwards Enterprises
13111 W. Markham St.
Suite 116
Little Rock, AR 72211
DLEdwards@DonellEdwardsEnterprises.com

 

Follow us on Twitter and Facebook for more information about personal money management.

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Disclaimer:  I have a Bachelor of Business Administration degree but I am not a financial planner. However, I have acquired years of knowledge about personal money management through my life experience working through my own personal finances that allows me to share that knowledge with readers of Know Your Money. The Know Your Money Blog posts written by me are my own common sense observations and opinions and are for informational use only. Although my blog includes contributions from experienced financial professionals, please make your own financial decisions based on personal research or contact a financial adviser.

Copyright © 2017 CWR Media – All Rights Reserved

Saving Is Not Optional!

Donell Edwards, Blogger

DONED2014 SmallAbout Donell Edwards: Donell Edwards is President of CWR Media and is also founder and publisher of The College World Reporter (CWR) magazine and CWR World News & Information Service.  He is also a professional speaker, freelance writer, and entrepreneur.  To book Mr. Edwards to speak at your next event, contact:

Donell Edwards Enterprises
13111 W. Markham St.
Suite 116
Little Rock, AR 72211
DLEdwards@DonellEdwardsEnterprises.com

Thought for Today:  The habit of saving is itself an education. It fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind. – Thornton T. Munger, American Scientist (1883 – 1975)

Know Your Money
Tuesday – December 6, 2016

Saving Is Not Optional!
By Donell Edwards  

 

There are many attitudes and philosophies about saving, but there is one factor that cannot be ignored in achieving financial security, and that factor is that saving is not optional.

Emphasis On Saving

Over the years in this blog we have discussed saving numerous times because of its importance.  In fact we featured a special series on saving in May of 2014.  The series included:  Getting Started – Do You Have What It Takes? published on May 12, 2014.  The second post in the series was Debt Management, Creating Income Streams, Savings, which was published on May 13, 2014.  The last post in the series was Making The Most Of your Savings published on May 16, 2014.

In addition to the special savings series we also published Knowing Your Personal Finances: Are You Ready to Save?, Starting An Emergency Fund, and Time To Change Your Thinking About Saving.

 

Saving Is Not Optional!

                                   Saving Is Not Optional!

 

Why Saving Is Not Optional

We are revisiting this topic today in view of a survey conducted by GoBankingRates in January 2016 which found that 1 in 3 Americans has $O (none, zilch, nada)  saved for retirement, 42 percent of Millennials indicated they have no retirement savings, and about 75% of Americans over 40 are behind on saving for retirement.

This follows a pattern that has existed now for over a decade, and continues to be a major issue in achieving financial health.  If any of those statistics apply to you individually you should be gravely concerned.  However, as we have also pointed out in this blog many times, a person must first have the circumstances to be able to save.  I speak from personal experience and know for a fact that some people really know they should save and want to, but just can’t because of their current circumstances.

What If You Just Can’t Save?

So, if you are reading this and are thinking “I know I need to save, but I just can’t right now because it takes everything I have to just get by, and most of the time there is not enough to take care of my living expenses.”  You have some challenges, and your goal should be to continue to work to change your circumstances so that you can save by taking on additional work if you are not already doing that, or by working overtime if it is available.  Also, by carefully examining your budget and eliminating everything except essentials, real essentials, such as shelter, food, utilities, and healthcare. Implement a spending moratorium, and don’t make any new purchases until you work yourself out of the situation that you are in.  The point is, don’t accept your current situation as permanent, make whatever changes and sacrifices you need to make to get your financial house in order, and once it is in order, continue to maintain a strong financial foundation.  The blessing of being in a less than favorable financial situation is that it forces you to make positive adjustments that will benefit you the rest of your life, if you are willing to work to overcome all of the problems holding you back financially.

Your Attitude Matters

On the other hand, if you have the means to save but just don’t see the advantage, consider what will happen to you and if you have a family, what will happen to your family if you do not have funds set aside for emergencies.  These could come in the form of the loss of employment, which is very possible in today’s economy.  Or it may be the result of you or a family member being the victim of a long-term health problem or disease.  Or perhaps it may be the result of an environmental catastrophe such as a flood, tornado, or hurricane.  If you do not have funds set aside for these things, how will they impact your finances?

Even if you have insurance to help with some of these issues, in most instances you are still exposing yourself to substantial financial loss.  That is why setting aside emergency funds is so very important to financial stability.

What You Can Do Now:  Pay Off Your Debt

The first thing we suggest is that you pay off all outstanding debt, with the understanding that this probably will be a long-term goal.  As you pay off a debt,  take the money you were using to pay that debt and apply it to another debt, and continue this process until all of your debt is eliminated.  The trick is not to incur any additional debt while you are doing this.

What You Can Do Now:  Control Your Spending

Learn how to identify and eliminate wasteful spending.  Also, improve your shopping skills and learn how to plan your shopping and look for bargains and save on grocery, clothing, and other items or services you purchase.  Become a coupon clipper and use coupons to help with your savings on your purchases.  Consider using SmartPhone apps that can help you save if you own a SmartPhone like Ibotta,  SnipSnapSavingStar and Coupon Sherpa.  Always look for ways to save on purchase and control your spending so that you can save for the unexpected, and eventually to build wealth.  Make sacrifices willingly and do not give in to impulse buying.  Make credit card payments early or on time and pay more than the minimum required to improve your credit rating, which results in a higher credit score and lower interest rates, and which will help you avoid late charges.

As we have mentioned previously in this post in order to save there must be funds to save.  Those funds should come from effectively managing the income that you have, implementing and closely following your budget, and paying down your debt.  A key factor in your success will be how well you learn to control your spending.  Without being redundant but to emphasize, be aware that controlling spending takes sacrifice, willpower, determination, and a willingness to change.  Make the commitment to yourself to do these things.  If you happen to receive income occasionally from other sources, don’t go on a spending spree and waste it all, but use some of that money for your savings.  You should develop a savings conscious mentality with any money that you receive.

What You Can Do Now: Earn More On Your Current Job Or In Your Career 

Here’s how:

  • Prepare yourself for success, a job promotion or raise by becoming an avid reader.  Read, read, read.  Read trade magazines and learn about what is going on in your industry.  Be a resource for your supervisor and management team.  Be the person that becomes known as the guru in your office.  Study the company’s internal reports, newsletters, and any other information that will educate you about the company’s goals, objectives, competition, projections, etc.
  • Attend seminars related to your current position and further educate yourself or learn new skills that can be utilized in your current position or to help you to advance your career.
  • Become close friends with your human resources manager.  Find out what options you have for career advancement and what you need to do to position yourself for success in pursuing those positions.
  • Be open to the idea of returning to college to get additional education.
  • If overtime is available, be willing to work overtime to increase your income.

What You Can Do Now:  Create New Income Streams

You can create a new income stream by starting a home based business.  The power of a home based business is revealed in this comment from the U.S. Small Business Administration website:  “What do Apple Computer, Hershey’s, Mary Kay Cosmetics, and the Ford Motor Company have in common? These well-known corporations all started out as home-based businesses. In fact, more than half of all U.S. businesses are based out of an owner’s home.”

In addition to having an additional income stream from starting a home based business, there are some very good tax advantages as well.  Obviously, everyone does not have the desire or the drive to have a home based business.  But if you have the entrepreneurial spirit, you are well organized and are good at time management, and you are willing to learn, having a home based business can provide you with many rewards.

How To Save

If you are currently in a position financially to start saving but it is something you just have not done and would like to start but need some ideas on how to get started, here is a great idea.

I was listening to the radio a few months ago and heard about a fantastic way for people who have very little money to use a portion of their income to save $,378 within a year.  Then this process may be repeated over and over again, or modified to increase the amounts and save more.  The idea is to get into the habit of saving, to convince yourself that you can save.

I did some research after hearing about this saving method and discovered an outstanding blogger, Lisa Bedford, and her blog, The Survival Mom – http://thesurvivalmom.com/.  Lisa shared information on her blog about this interesting saving method known as the 52 Week Challenge.  If you are looking for a place to start, this may be just what you need.

Where To Save

One of your concerns, justifiably so,  may be where to save your money, since the interest rates at most banks is so very low it is almost not worth even putting money into them.  The question then is where is the best place for savers to save their money?

In researching this question and discussing it with some of the people in the finance industry, I discovered that credit unions generally pay more interest than banks.  In May 2014 GoBankingRates.com published an article, Highest Savings Account Rate Is 40X the National Average, which included a comparison chart that shows the average savings account rates over the previous year for banks and credit unions and the national average, and the change from 2013 to 2014.  The article also lists the 10 best savings accounts based on data from the GoBankingRates database.  So, credit unions are a good choice.

For those in the military, United Services Automobile Association (USAA) is a good option.  This company provides banking, investing, and insurance services to people who serve or have served in the military and their families.

Another option is to purchase Certificates of Deposit (CDs) if you are prepared to leave the money in the account for at least 6 to 12 months.  Since you should be saving for the purpose of creating an emergency fund or to accumulate enough money to invest, leaving the money in the account for up to a year should not be a problem.  In some cases the interest on CDs may be higher than the interest in banks.

So, do your own research, and look for the best deal.  Also, make sure to read the fine print because there may be penalties for making more withdrawals than allowed, for failing to meet the minimum balance requirement, and there could be other hidden penalties or fees.

A Word For Millennials and Gen-X

A word especially for our young readers, the Millennials and gen-Xers.  The statistics referenced earlier in this post indicate that Millennials and Gen-Xers are among the highest percentage of Americans who have little or no savings.  This may be interpreted as either a lack of appreciation for the importance of saving, or a lack of information and understanding about the importance of saving.  I can remember when I was in my twenties I did not really appreciate the importance of saving.  I knew that it was a good thing if I did, but even with my parents encouraging me and repeatedly trying to help me appreciate how important it was to save, I still viewed it as something optional that I could do later.  At that age, I felt that I was “bulletproof,” “untouchable,” that I could conquer the world on my own terms and ignore all of the wisdom that had been made available to me.  I learned later in life how very wrong I was.  Thankfully, I learned before it was too late, but it was still very, very, very costly to me.

If you are a young person and you are reading this, 18-35 years of age, please take some time to think about how you manage your money.  Think about your future.  Think about all of the things in life that you have not prepared for financially in the event you lose your current income.  Will you be able to have a place to live, or will you be forced to move back home with your parents?  Will you be able to keep your vehicle, or will you  be forced to lose it?  Will you be able to continue to take care of your family if you have one?  What will happen to your spouse and children?  These are some very important potentially life changing scenarios that should be given every consideration.

If you are a mature reader and you know a young person that needs this information, perhaps your own child, or a relative or colleague or business associate, recommend this blog post to them or send it to them.

We also encourage every reader who feels the need for assistance with their own money management skills, to help get out of debt, control spending, and begin saving, to sign-up for our 13 week KYM Money Success Strategies Institute, which starts on Monday – January 9, 2017.  This program will provide step-by-step instructions on how to improve money management skills, use credit wisely, get out of debt, and build wealth, featuring daily video support during the first four weeks.

We will also be available to help with any questions enrollees may have.  So, make this your New Year’s Resolution, to enroll in our KYM Money Success Strategies Institute.  To enroll, just click here.  And remember we start Monday – January 9, 2017.  SIGN UP NOW!

 

We Would Like To Hear From You.  Are There Any Brave Souls Out There Willing To Share?  If you would like to share with our readers how “bad” spending habits have affected you, anonymously or otherwise, for our upcoming special, “Confessions Of Spendaholics,” please send your experience to comments@knowyourmoneyglobal.com.

 

Follow us on Twitter and Facebook for more information about personal money management.

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Disclaimer:  I have a Bachelor of Business Administration degree but I am not a financial planner. However, I have acquired years of knowledge about personal money management through my life experience working through my own personal finances that allows me to share that knowledge with readers of Know Your Money. The Know Your Money Blog posts written by me are my own common sense observations and opinions and are for informational use only. Although my blog includes contributions from experienced financial professionals, please make your own financial decisions based on personal research or contact a financial adviser.

Copyright © 2016 CWR Media – All Rights Reserved

Crazy Checks

Thought for today:  All deception in the course of life is indeed nothing else but a lie reduced to practice, and falsehood passing from words into things.  – Robert Southey, British author, 1774-1843

 

Know Your Money
Monday – December 5, 2016
Crazy Checks
By Dwight Harshaw, BBA, Personal Finance Counselor 

 

Dwight Harshaw, BBA

Dwight Harshaw, BBA

We all receive them, mailings from credit card companies that contain checks-that were not ordered or requested. I must confess that I have used one. I’ve taken advantage of a zero percent transfer fee, no interest offer-which is rare today-to pay off the balance of another credit card that I could have paid anyway. I remember it felt good initially but for months afterwards, it was a burden to pay the loan back. Fortunately I was able to pay it back within the designated time period and suffered no repercussions from using it. I was lucky. Many are not.

The marketers of debt do all they can to entice us to use their crazy checks. The checks can be used to pay off debt, make purchases, or deposit money into bank accounts. The credit card companies want to make sure that we have money to spend-up to a defined limit because they are not crazy-with strings attached. The strings or terms for using the checks are not hidden. There is a time period in which the interest charged will be zero or very low, provided that you make your payments on time. There is a transfer fee that is capped at a nominal amount. They are almost like regular checks, right? Wrong!

 

Man Holding Forehead --- Image by © Royalty-Free/Corbis

Image by © Royalty-Free/Corbis

 

Many people use the checks, experience setbacks, and their terms change. A delayed or missed payment can cause you to pay more fees and high interest. It is all there in black and white in the terms and conditions, read it.

When you receive unsolicited checks in the mail from your bank or credit card company, tear them up. Using them is almost as bad as writing a hot check. They are not money substitutes, they are loans. They are a clever way for issuers to keep you in perpetual debt. It is too easy to overextend yourself. And when you are overextended you can’t build wealth.

 

About Dwight Harshaw:  Dwight Harshaw is a personal finance counselor, realtor and writer.  He has a BBA from the University of Arkansas at Little Rock in Finance with emphasis on financial planning.

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Copyright © 2016 CWR Media – All Rights Reserved

How To Enjoy A No Spend Weekend

Donell Edwards, Blogger

DONED2014 SmallAbout Donell Edwards: Donell Edwards is President of CWR Media and is also founder and publisher of The College World Reporter (CWR) magazine and CWR World News & Information Service.  He is also a professional speaker, freelance writer, and entrepreneur.

 

 

To book Mr. Edwards to speak at your next event, contact:
Donell Edwards Enterprises
13111 W. Markham St.
Suite 116
Little Rock, AR 72211
DLEdwards@DonellEdwardsEnterprises.com

 

Know Your Money
Friday – November 18, 2016

How To Enjoy A No Spend Weekend
By Donell Edwards  

 

One of the purposes of this blog is to share tools and resources that we discover with our readers.

I recently came across a very good article about having a “no spend weekend” that I want to share with our readers today.

The article is entitled “Weekend Money Tip: Have A No Spend Weekend (and what I did on mine)” by Amanda from Centsibly Rich.  In this article Amanda issues a challenge to her readers not to spend any money at all over a weekend and she shares how she did it.

This is something that we strongly advocate to help control spending and to improve financial discipline.

We encourage you to read this article and to apply it in your personal money management program at least once a month.

You may get a printable copy of Amanda’s list by clicking here.

 Have A great no spend weekend.

 

Happy woman with money.

                                         Happy woman with money.

 

We Would Like To Hear From You.  Are There Any Brave Souls Out There Willing To Share?  If you would like to share with our readers how “bad” spending habits have affected you, anonymously or otherwise, for our upcoming special, “Confessions Of Spendaholics,” please send your experience to comments@knowyourmoneyglobal.com.

 

Follow us on Twitter for more information about personal money management
https://twitter.com/Kn0wY0urM0ney

Disclaimer:  I have a Bachelor of Business Administration degree but I am not a financial planner. However, I have acquired years of knowledge about personal money management through my life experience working through my own personal finances that allows me to share that knowledge with readers of Know Your Money. The Know Your Money Blog posts written by me are my own common sense observations and opinions and are for informational use only. Although my blog includes contributions from experienced financial professionals, please make your own financial decisions based on personal research or contact a financial adviser.

Copyright © 2016 CWR Media – All Rights Reserved

 

 

Confessions Of A Spendaholic

Donell Edwards, Blogger

Donell Edwards Publisher, Writer, Speaker

Donell Edwards
Publisher, Writer, Speaker

About Donell Edwards: Donell Edwards is President of CWR Media and is also founder and publisher of The College World Reporter (CWR) magazine and CWR World News & Information Service.  He is also a professional speaker, freelance writer, and entrepreneur.

 

 

 

 

 

 

 

Know Your Money
Monday – November 14, 2016
(First published March 14, 2014)

Know Your Money Special Feature:
Confessions Of A Spendaholic
By Donell Edwards

 

The MacMillan Dictionary defines spendaholic as “Somebody who is addicted to spending money.”  At one time to some extent that definition described me.  From a young age I felt deprived, although I was provided with a comfortable lifestyle and just about everything I wanted.  However, as a child, I compared what my family had with others who had more and I felt inferior.  I never discussed these feelings with anyone, and this thinking affected many of the decisions that I made in my life when I reached adulthood.

To me, being able to buy things and having lots of credit cards were symbols of success.  So many times I made purchases that I could not afford.  Needless to say, that got me into financial difficulty.  Most of the time I managed to survive without any serious problems, but eventually bad spending practices caught up with me.

While spending freely, I never considered the damage that was being done to my credit, and the resulting affect not having good credit had on employment opportunities, qualifying for a home loan or auto loan, and many other important aspects of life.

I was an angry young man because I believed that I had been denied many employment opportunities that I qualified for which had limited my income and my ability to enjoy the kind of lifestyle that I wanted.  I had developed a sense that I was entitled to more, that I deserved the things I wanted, and that when I got married and had a family that we deserved more.  So I retaliated by getting as many credit cards as I could and using them to get what I wanted and thinking that I would find a way to pay the credit card bills somehow.  I was reacting to my circumstances, which I felt were unfair, but it was the wrong reaction.

MP900149068 - Man Using ATM

I share this in hopes that anyone reading this who has similar feelings or thoughts may be helped to learn from my experience.  You see, although I was not necessarily addicted to spending, I was a spendaholic nonetheless because I knowingly spend money that I did not have by using credit cards excessively.  It wasn’t that I didn’t have a budget or that I did not understand how to budget, however, at that time my budget was based on hope rather than on reality.  Hope that I would get a better job, hope that I would be able to make more money, hope that I would be successful in business ventures that I started, and everything would be alright.  At the same time I was mad because I was in this situation and I felt life was unfair and I was reacting to my circumstances.  Whatever my reasons, they were wrong.

As I embarked down this road to financial self-destruction I was in denial and rejected the good advice I received from family and friends who tried to help me.  I would tell them, “You just don’t understand.”  Eventually I lost everything and had to work to reestablish my credit and rebuild my life.  All because of being a spendaholic.

Those experience in life taught me valuable lessons that I will never forget, and that I hope will allow me to help others by sharing the knowledge that I gained from having those experiences.  I know that spending can be addictive, but anyone who really wants to can overcome the addiction.  Just don’t let it destroy you before you take action.

Brave Souls Wanted:
If you would like to share with our readers how “bad” spending habits have affected you, anonymously or otherwise, for our upcoming special, “Confessions Of Spendaholics,” please send your experience to comments@knowyourmoneyglobal.com.

Helpful Videos:

Buying vs Renting A House:  The Advantages of Each

Teaching Kids About Money

 

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Copyright © 2016 CWR Media – All Rights Reserved