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Tony
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New Christ by Wallace D.
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Powerful Life: The Lost Writings of Wallace D. Wattles by Wallace D.
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Phones for Profit by Leo J. Quinn, Jr.
Chatteling 101:
The Beginner's Guide to Chatteling by Gordon Jay Alexander
God: The
Servant of Man by Wallace D. Wattles
How to Get Any
Business or Investment Opportunity for Just Pennies on the Dollar... or
Less! by Leo J. Quinn, Jr.
How to Get
What You Want by Wallace D. Wattles
Jesus:
The Man and His Work by Wallace D. Wattles
Jesus:
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Making the
Man Who Can by Wallace D. Wattles
Marital
Unhappiness: A New Remedy by Wallace D. Wattles
Scientific
Marriage by Wallace D. Wattles
The New Science of Living and Healing by Wallace D. Wattles
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Tony
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What is Truth? by
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Have a Very Merry, Debt-Filled Christmas?
- by Tony Mase
© Tony Mase - All Rights Reserved
http://www.tonymasesinnercircle.com
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The Christmas season... the time of year when both
budgets and diets go out the window. You've probably justified giant
purchases to yourself (or to others) by saying, "It's OK. It's Christmas!"
For some reason, even the most unwise of purchases seem like a good idea as
soon as the Christmas carols start playing.
Unfortunately, all of
that Christmas spirit will soon go sour, as soon as the credit card bills
come. Once the presents have been opened and the tree has been put away,
it'll be time to deal with any bad purchasing decisions you made.
If
your annual Christmas spending cycle is made up of December extravagance and
January regret, you're not alone. Americans spend a whopping $525 billion
during the holiday season! And, despite the fact that the economy is still
very rocky, Christmas spending figures are as high as they were before the
recession. Online spending figures alone have gone up by 12%.
That's
because Americans are spending money they just don't have. And it's easy to
do. After all, the average American has 13 credit cards!
That dinner
for your employees is easy to pay for when you swipe your MasterCard. All it
takes to get those extra stocking stuffers for the kids is a simple scan of
your Visa card. Want to see the extended family over the holidays? Just type
in your American Express number and you've got airline tickets!
The
average person spends nearly $1,200 during the holiday season and at least
23% of it is put right on a credit card. In fact, estimates show that people
spend 112% more when they pay with plastic, as opposed to cash.
And
all of that spending adds up.
By the time March rolls around, a
whopping one-third of bankruptcy filings cite over-spending at Christmas as
a major contributor to their financial troubles!
Even if you don't
wind up filing for bankruptcy, you're still in some big financial trouble if
you over-spend at Christmas. That's because if you pay the minimum balance
when your credit card arrives, 90% of your money is going right to interest.
And it doesn't take long for that interest to snowball out of control.
So, what's the solution?
Even though Christmas is viewed as a
magical time of year, you can't lose sight of your finances. Like any other
day of the year, Christmas requires some budgeting and some restraint.
Unless you want to have a major problem in January, accept the fact that you
don't have an endless supply of money to spend on Christmas. Take a look at
your finances each year and budget accordingly.
Showing your love at
Christmas doesn't have to equal spending a ton of money. The truth is, if
someone really cares about you, they won't even enjoy that extravagant gift
if they know it put you into financial trouble!
-----
Tony
Mase is a serious student of the works of Wallace D. Wattles and the
publisher of the "The Personal Power Course: Ten Lessons in Constructive
Science, Teaching You How to Use Your Own Subconscious Energies for Health,
Prosperity and Personal Achievement" ebook by Wallace D. Wattles...
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"The Personal Power Course" by Wallace D. Wattles
Ten lessons in
constructive science, teaching you how to use your own subconscious
energies for health, prosperity and personal achievement.
Click Here =>
http://www.thepersonalpowercourse.com
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