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Everyday, we make choices that affect our lifestyle, both now and in the
future. There is no easy formula for success, wealth or the good life. How
much money you make is not usually the issue. What matters is how much you
get to keep and that is determined by choices that you make everyday.
We have become accustomed to allowing society to make choices for us that
we are deceived into believing we no longer have any choices left to make.
I hear it all the time.
This is so far from the truth. The discovery that we do have choices can be
the dawning of a new day. We all have choices. Do we realize the choices
that we do have and the extent of our choices or do we make our spending
decisions because that's what the Jones's are doing or that's the way my
family did it or that's what the rich and famous are doing?
That extra car you own (even though it is paid off) may be costing you an
extra $4,000 a year with gas, insurance, registration, and maintenance. A
pattern of buying everything new might be costing you a few hundred dollars
extra a year. The coffee and donuts we buy each morning can definitely add
up. Don't rule out the mundane nickel and dime items.
What are your patterns of spending and how can choices you have made in the
past be adjusted to assist you in meeting your future goals? If you have no
goals, then you'll want to establish some to help direct your spending
choices. Add up the costs of your choices and be ready for an eye opening
experience.
Penny pinching and frugal living can become a habit for you. It all boils
down to choices, the choices you make on what, where and when to spend your
money. The choices are yours. What will you do with them?
About The Author: About The Author:
Doris Dobkins is the Money Saving Expert Author of "Financial Freedom
A-Z Home Study Course" and publisher of the free weekly ezine $mart
Money New$. You can subscribe to $mart Money New$ by sending an email
to: Mail link
or sign up at her web site: Creative Finances
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