Finance and money have always been the least talked about subject for many previous generations, so it is no wonder that when credit cards came out in full visage – we all wanted one. Myself included. Now looking back and shaking my head, I cant help but think “WHY?” That one visa card I got at Rockland Trust back in 1975 with the help of my stepdad led me down a path of foolish spending. <Sigh> Well, it is no one’s fault but my own, everyone had a card and I wanted one too and asked him, “How does one get a credit rating?”
Now, looking back through not one – but THREE – yes, I said, “THREE!!!” points in my life when I was at my lowest and thinking each time, I will overcome this and not turn back. Well, as a wise bank manager once said, after you apply for your first consolidation loan, “You will be back!”, I would return to that low state two more times. Each time though, I was lower than the first. Experience is great, but gee – not this kind of experience.
If I were to go back, I would tell myself ask “How do I get on a successful budget routine?” insteads of wanting that foolish card. If you have been this route, you understand – and perhaps never thought any of your dreams would ever follow through to fruition. Well, I just want to share a youtube video by Andriana Diaz called “My Budget Book”. I feel this is a good place to start you on getting back on track.
Hope this got you thinking about your finances, and if you are near or in retirement – I want to help you realize it is never to late to get on track with a budget or even get back on track from some foolish actions like me.