Why Be Rich When You Can Have This Much Fun?
Credit, financing, and debt exist for a reason: to have a good time. Why else would they be so readily available? It's gratifying to drive cars we can't afford, downright fun to buy expensive clothes we don't really need, and easy to own homes well beyond our means. At least until the music stops . . . and we're left with nothing but the bills. And the interest payments. And the sleepless nights. (And what do you mean you're taking my stuff back?!)
Personal finance experts Laura McDonald and Susan Misner realize that most of us never let it get quite to that point, but we've all got our little indulgences. You know, those small things that can become big things if we don't also indulge in a little financial responsibility. 10 Ways to Stay Broke . . . Forever takes you through the best ways to squander your money and short-change your financial future, showing you what all these good times are really costing you, what you can do about them, and how much more fun you can have later if you apply a measure of restraint now.
Their goal is to help everyone understand (and enjoy!) the difference between sustainable spending that allows you to build wealth and needless spending that will leave you, well, broke. Indeed, having money in your pocket is a good feeling, but having money in the bank means possessing power, possibility, and opportunity and nothing feels better than that. Yes, it's time to live within our means and redefine our needs!
So . . . are you ready to have some fiscally responsible fun?
Laura J. McDonald and Susan L. Misner are the founders of GoldenGirlFinance.com and the authors of It's Your Money, Honey. Their mission is to make finance real, relevant, and relatable for people so they are better able to accumulate, grow, and protect their wealth.