How are you preparing for your financial future?
(For shopaholics)
in my opinion…
“Don’t go further into debt.” This is my newly adopted line in this crises-faced economy.
Getting out of debt is not hard. For some, it is. For many it isn’t. This seems to be a million-dollar question that needs elaboration and much deliberation. Money is indispensable to one’s material existence. Every single buck is what one need in order to move around. Without that buck inside one’s pocket one is like hanging oneself in a rope alive with one’s feet touching the ground.
Money makes one crave for more than one actually need holding on to just anything even beyond reach. At times, insanity comes in the scenario taking control of worldly obsessions. It is not really bad though to satisfy oneself with whatever one can afford to buy, for as long as one doesn’t in any way ruin whatever is in the budget plan. That means one has more than enough taking aside savings, all the rest goes to extravaganza.
Budgeting has always been part of one’s daily plans. Yet even with careful budgeting, one is caught in quagmire. Prices of basic commodities have gone up while income remains the same. The issue is “Does one has to curtail expenses or increase sources of income? If one curtail expenses that mean resorting to using substitute products and cutting whatever is luxurious in the present lifestyle. A colleague of mine once said, do not curtail your expenses, instead work hard and find other means of income. Hmmm. Great idea too!
It is a fact that too much material is worldly obsession. Destruction will certainly come like a blow when one is not ready and off multiple complaints are being piled one from the other—delinquent loans, etc. This is reality, and no has ever escaped from this financial malady especially now.
In this techno-gizmo time of the 21st century, what is there to do than dream of attaining desires that fulfill temporary satisfaction. The malls are really tempting but to put hands off is one’s sheer decision.
Summer is months away from this January morning. Red tags will be up for sale and shelling out for something new is next in line. Are there really other reasons to buy more? Does your closet run out of wardrobe for summer? Is Boracay just next on your doorstep? Is it really necessary to unwind for vacation days? These are some stuffs one need to think more than twice. Practicality is one struggling question that needs to be dissected now.
How are you really preparing for your financial future fellow shopaholics? This 2009, one need not go above one’s means. Hold your seatbelts and enjoy a worry-free year. If you decide to be fit in style, be a creative minimalist. There are many ways to be in.
Can one sleep high above one’s nose in deficit? Does one need further to go into debt? I leave that to you.
Picture below was taken at Dubai Mall
Shop 'till you drop!
