Spending Too Much

If you want to have a great life, quit spending so much money! Credit Card debt only adds stress. Paying off credit cards adds a sense of accomplishment to your life. Be content with your income, and simplify your life by giving thanks for what you have, not lamenting what you don't. Look for ways to cut your spending by eating out less, going to garage sales, and buying used cars. Don't worry about trying to keep up with what others have, let them have all the stress. Have a goal to save at least 5% of your income for retirement and 5% for special purchases like furniture, or vacations. 10% is even better, but unrealistic for some people.
Critical in this process is developing a budget and tracking what you spend. Just keep receipts for everything you spend one month, and then add them up, along with your check book and credit card purchases. You will be amazed how much the trips to Starbuck's and McDonald's add up. When you budget don't forget quarterly or annual payments like car insurance or Christmas gifts. A financial web-site like www.crown.org will have many ideas for you in properly handling your money. If you will, you will be on the way to getting rid of alot of stress and having a great life. If you ever have any questions, or comments, let me know.