When we're earning way less money, and no credit card, we were saving 30 per cent of our income. Then we have credit cards, and our savings are down to none, and now we owe credit card some money.
It's so easy to overspend when there isn't noticeable empty pockets anymore. A card with tons of limit will always work. Even when the bank is empty, I can still buy that extra pair of shoes no body really need, nor want.
This year, I am hoping to be different. We're going on a cash system to reclaim our savings power. A family earning over 100K a year should be able to save at least a thousand here or there. Not owing the banks several thousands more.
This is especially true for us. We have simple taste. We don't fly Paris, France for a honeymoon. We stay and we don't take off work. We don't fly to Jamaica every so many years for a family vacation. We take walks around the neighborhood.
We don't even drive the latest cars. It's confusing where all the money went.
But if I look closely enough, I say, the money went to Wal-Mart. I have packages of pens and little nothings to show for it. Of course they amount to nothing, but the bills is another story all together.
So, any body out there grappling with debts like us? Not being we blatantly bought a Blahniks (designer) sandals, or Coach bags each season, or jewelry but because of little things like pens?
How sad is that, really!
Labels: debts
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At Monday, January 22, 2007 at 9:11:00 PM PST,
Terri LynnI read a comment you made on Yarn-Knit-Read_Lit and was sent this from someone earlier today while reading your comment I felt urged to send it to you, so here goes:
Subject: FW: Did God Create Evil?
Something to ponder.
A University professor at a well-known institution of higher learning
challenged his students with this question. "Did God create everything that exists?"
A student bravely replied, "Yes he did!"
"God created everything?" The professor asked.
"Yes sir, he certainly did," the student replied.
The professor answered, "If God created everything; then God created
evil. And, since evil exists, and according to the principal that our works
define who we are, then we can assume God is evil."
The student became quiet and did not answer the professor's
hypothetical definition. The professor, quite pleased with himself, boasted to the
students that he had proven once more that the Christian faith was a myth.
Another student raised his hand and said, "May I ask you a question, professor?"
"Of course", replied the professor.
The student stood up and asked, "Professor does cold exist?"
"What kind of question is this? Of course it exists. Have you never been cold?"
The other students snickered at the young man's question.
The young man replied, "In fact sir, cold does not exist. According to the laws of physics, what we consider cold is in reality the absence of heat. Every body or object is susceptible to study when it has or transmits
energy, and heat is what makes a body or matter have or transmit energy. Absolute zero (-460F) is the total absence of heat; and all matter becomes inert and incapable of reaction at that temperature. Cold does not
exist. We have created this word to describe how we feel if we have no heat."
The student continued, "Professor, does darkness exist?"
The professor responded, "Of course it does."
The student replied, "Once again you are wrong sir, darkness does not exist either. Darkness is in reality the absence of light. Light we can study, but not darkness. In fact, we can use Newton's prism to break white
light into many colors and study the various wavelengths of each color. You cannot measure darkness. A simple ray of light can break into a world of darkness and illuminate it. How can you know how dark a certain space is? You measure the amount of light present. Isn't this correct? Darkness is a term used by man to describe what happens when there is no light present."
Finally the young man asked the professor, "Sir, does evil exist?"
Now uncertain, the professor responded, "Of course, as I have already said. We see it everyday. It is in the daily examples of man's inhumanity to man. It is in the multitude of crime and violence everywhere in the world. These manifestations are nothing else but evil.
To this the student replied, "Evil does not exist, sir, or at least it does not exist unto itself. Evil is simply the absence of God. It is just like darkness and cold, a word that man has created to describe the absence
of God. God did not create evil. Evil is the result of what happens when man does not have God's love present in his heart. It's like the cold that comes when there is no heat, or the darkness that comes when there is no light."
The professor sat down.
The young man's name -- Albert Einstein
Okay? So I was in a head on collison and saw this light and it was the beginning and ending of all things and in the midst of the light, I saw Jesus and he told me he wasn't finished with me yet, as I was waking up. He also let me know that I didn't find him, he found me. I pray this gives you hope. Terri Lynn http://larkspur-studio.blogspot.com/
You know what? I think Sam Walton was really the Devil.
I can go into Walmart and EASILY spend $150...without even trying. I get the checkout and see the total...WTH? How did that happen? It's kinda nice to know that everyone has debt tho...i'm not alone.