Thousands of blogs (this one included!) talk about personal finance. Wander into your local library or bookstore, and you’ll find shelves of books on investing, saving money, and financial angles on everything from marriage to vacation.
Hundreds of thousands of words in every manner of print,, and they can all be set aside for one simple rule:
Don’t spend more than what you make.
Dickens’ Mr. Micawber put it succinctly:
“Annual income twenty pounds, annual expenditure nineteen nineteen six. Result: happiness. Annual income twenty pounds, annual expenditure twenty pounds ought six. Result: misery. The blossom is blighted, the leaf is withered…and in short, you are for ever floored.”
If you’ve got extra income, hooray — that’s money that can be saved for emergencies and retirement. (And yes, you certainly should do that.)
If you don’t, then you need to either spend less (including saving on the little things), or you must find extra sources of income, either by selling things, or getting additional jobs. It doesn’t matter whether you got yourself into this position — or someone else helped. It’s your responsibility, and must be dealt with as such.
Good luck — now get out there and save!
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