What difference can we make for tomorrow?

They say that the only constant in this world is change. I’ve been listening a lot to “Everybody’s Changing” song by Keanne for almost two weeks now and still I can’t get enough of it. This song made me realize a lot of things. It’s a sort of meditation thing… I’m going thru a lot of trials right now and listening to that song somehow made me feel relaxed even just for a while. That’s how powerful a song could affect a person’s life. It made me realize and think of everything that I’ve done wrong… about the trials that I’ve gone through and the present situation that I am going through… I am trying to evaluate myself and listed down the things that I need to improve…and those things that I need to get rid off. Don’t ask why… I’m not trying to become emotional again. I would like to consider this as a self improvement process so somehow I could be a better person.

Everybody was asking me if I was okay. Of course I would say that I am… I have to.. but I think its not really convincing… Of course no one wants to be lonely but this loneliness that I am experiencing right now makes me feel like I was struggling with debt and the only one that could save me are any of those debt consolidation company who are willing to give me a chance to help me paying my debts. Maybe you would ask, “Why on earth would I mention them here in this entry?” Well, I’m just trying to compare the feeling of someone who feel so helpless because of their bad credits. I’m just being sympathetic here. A friend of mine is currently stuck in that bad situation. Anyways, sympathy wouldn’t be enough to help her so what I did was I recommended her to my other friend who was working in a debt consolidation company.

Experts advised not to spend over 36% of your gross monthly income to avoid having a bad credit. I’ve listed down some  personal tips that would help you lower your bills e.g. monthly bills

1. Don’t buy something that you don’t need. This is a common problem to most of us. Some people tend to buy things even they really don’t need it. If you are like this and your monthly income is not that high enough, then start to change now before anything gets worst.

2. If you are using your credit cards for shopping, it is wise to record and monitor your expenses. Be sure that your credit wont exceed to your monthly disposable income.

3. Learn to budget by listing down all your monthly expenses and also list down your monthly income so you can track down where your money goes up to the last centavo. In that way, you would know if your monthly expenses wont exceed to your monthly income.

4. And lastly… Change is the key. If you wouldn’t change your spending habit today, then most probably, you won’t still be able to pay your debts in the future. You may also follow this Suze Orman tips regarding money.

I am so grateful that I have no problems when it comes to debts… but that doesn’t mean that I don’t have problems in money. Of course I have and that’s what I’m trying to figure out right now… As I’ve mentioned, change is the key… but its easier said than done…. I guess I have to plan wisely and take everything into consideration… I just hope that this time I would come up with the right decision….

This entry was posted on Thursday, January 15th, 2009 at 3:40 pm and is filed under Things that matters. You can follow any responses to this entry through the RSS 2.0 feed.