Online Debt Collection Live

‘Ah, home sweet home.’ You think to yourself as you pull into the driveway after a hard day’s work. Finally, Friday has arrived and it could not have come sooner after this very tiring week. You climb out of your brand new SUV and walk through the door into the kitchen. The family is scattered throughout the house and you go to greet each one.

The significant other is in the office looking up the menu for that new restaurant downtown. They have a bacon wrapped fillet that already has your mouth watering. Now the hunt is on for the kids. You find the oldest in his room listening to music and talking to his girlfriend on the phone. You say hi and abort ship because he is planning on going to the mall and that always leads to some form of begging.

Finally, you seek out your daughter. She is guaranteed to be where you want to end up…the living room. Your suspicions pan out to be reality. She is watching some cartoon and lying on the floor. After giving her a hug she cuddles up next to you on the couch and you watch the television together.

Sounds like a pretty typical day, doesn’t it? In the course of ten minutes you went from your car into your home and all throughout. Think of all the things you touched and saw and all the things that were in use by your family. There were all those plans being made which involved dinner and shopping. All of these things cost money. Sometimes we actually own those items and other times they are owned by a bank or creditor. How many of these items that you passed are owned by you?

We all want money. It seems like every time we look around there is something about money. Most of our decisions are based off of how much things cost. There are those that will drive an extra mile or two to save a few cents per gallon of gas. Those few pennies saved will make up for all those items that we just bought on credit. Isn’t it fun to fantasize about having the big house on the block or living on the beach? Why is it, then, that we bury ourselves in debt?

We use credit cards to buy clothes and jewelry. It is unheard of to buy a car with cash in today’s world. Who is the last person you know that actually saved the 20% for a down payment on their home? Who cares, we will always be in debt? If you like living paycheck to paycheck, then stop reading right here.

For everyone else, I am going to try and help dismiss some of our current myths that we all are brought up to believe. Also, we are going to discover some different ways of looking at things to help us make our money work for us. Many of the things you read will be VERY tough to swallow. We all need to be honest with ourselves before we can ever make a change.

First things first, we need to get to the root of the problem. We all have a fascination with material things. We are constantly trying to out-do the Jones’. This here was tough enough in the old days but nowadays there is a new Jones family. Celebrities.

Tabloids talk about the multi-million dollar homes and luxury cars. Television bombards us with the newest fashions worn by the A-List stars. Trends are set by what the popular music stars are doing. These are now the Jones’ that we are trying to keep up with. We tend to forget that we are not making the same income as them. When you break it all down they are spending a small portion of their budgets on these items.

Now back to us. We want to have these same things. We want to appear to have money. The ironic thing is that we are willing to go way into debt to present the image that we are rich. Being in the military, I have seen this played out hundreds of times. Brand new enlistees are finally getting a steady paycheck, some for the first time ever. They see they have $800 a month after taxes. They go buy a car, with no credit history, that has a payment of $400+ a month. Take into account that their insurance is sky high because they are newer drivers. Now we are looking at roughly $650+ a month!

Almost an entire month’s pay goes to a vehicle. This then starts the downward spiral. ‘You can not drive a car this fly wearing these old rags.’ There is not any money left over for clothing, what do you do? Get a credit card! Whew, you almost were stuck in a rut there. ‘This credit card balance is too high to pay,’ so you pay the minimum payment each month which gets you nowhere.

This example has not even touched all of our gadget fetishes and entertainment “needs.” I haven’t discussed those paying rent or mortgages. The trend here is the important part of this scenario. The moral to this story is that we are more worried about looking like we have money than actually having it.