What a fantastic basic concept.
Hitler lost the second world war because he attacked Russia too soon. udervise ve vood all be speeking Deutsch now.
We employed the alternative massively effective budgetting tool.
Be a self employed Engineer for 15 years with take home pay of £50K a year and spend it all (and more besides, because ‘I want one of those NOW’) because ‘my jobs safe’.
Watch as the banks destroy the worlds finances.
Suddenly realise that over 90% of British industry is ultimately owned by Japanese investment banks, who suddenly have no money to fulfill their legal obligations to complete legislation driven improvment projects.
Watch as my £50K a year take home falls to ZERO.
Start a brand new business with Kleeneze (sorry not available in the USA) Which although it’s building really well is , after all, a business and needs time.
Suddenly HAVE to live on £18K a year GROSS.
Best Motivation for re-inventing your budget that anyone can have LOL.
We used to spend about £1,000 a month on groceries, now we spend around £300 a month, AND we eat more healthily.
Fortunately the finance on my car ended a month after our income disappeared saving us £375 a month.
We’ve sold my wifes’ car (THAT hurt) it was a really nice car, but it was costing us £489 a month in finance.
We’ve moved to a cheaper house saving us £400 a month in rent.
We’ve cancelled everything that wasn’t absolutely essential - including SKY and the TV license (It’s true, you don’t die if you turn the telly off!)
We still have creditors who we’re negotiating reduced payments and frozen interest with, but basically we are starting again from scratch.
We won’t fall into the credit trap again
Certainly not in the next six years or more ‘cos no-one in their right mind will give us credit now anyway!!
The one thing that keeps coming back to me though is
WHY aren’t our schools teaching kids how to budget? It’s a thousand times more important than even the basics.
Who cares if you can’t spell budgit if you can make one and stick to it.
It CAN’T be one of the things that are left to parents because nobody ever taught us!
Back to subject,
Your article is brilliant and if it helps one person (which I’m sure it already has) to get out or stay out of debt then you’ve done a service to humanity.
Keep it up &
we’ll see you
OVER the top
online stock trading
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