Friday, March 30, 2012

Discover the Real Cancer of Our Western Culture

WASHINGTON, DC - FEBRUARY 09:  U.S. Attorney G...Image by Getty Images via @daylifeSit down and think long and hard about the problems people in society face. Think about the problems our communities as a whole face, and try and determine what the probable causes of these are. Chances are things like crime, poverty and relationship breakdown will come to mind and you’re probably going to attribute the cause to money. “Money is the root of all evil,” you’ll probably say now that you’ve thought about some of the major problems our country faces, however I’m going to challenge you right now if you think money is the root of all evil.
The Cancer of our Western Culture Revealed…by a Bad Credit Mortgage Expert
I know, I know, you’ve probably read that subheading and thought it sounds crazy, and you know what? You’re right! A cancer discovery is something a medical professional makes, and I’m no medical professional. To elaborate some more, I’m going to tell you that this cancer is financial, and I am a financial professional. Society’s cancer is poor money management! Money isn’t the root of all evil – poor money management is. So, since I have put the blame of many of our societal problems on poor money management, it’s a good idea right about now to take a look at what poor money management actually is. Put simply, if you do any of the following things, you are suffering from the cancer that is poor money management:
•You are living beyond your means
•You are making impulsive purchases
•You have more month at the end of your money, rather than more money at the end of the month
•You do not know how much you need to retire
•You are saving nothing
•You are paying more than 12% interest on at least one credit card
•You are paying just the interest on at least one credit card
•If you ever save, it is with the approach to do so for a ‘rainy day’
•You consider yourself to have no money
Like most Australians – and sadly, most of us have poor money management skills – you’ll probably find that you can relate to one or more of the above mentioned points. It is a sad fact that most of our fellow Australians are battling along as a result of poor money management behaviour, and they are suffering for it. It’s not the fault of the individual who is suffering either. I mean, take one look at the advertising the big financial institutions and retailers hit us up with – the buy now, pay later promises for one! Think about all of those ‘interest free purchase’ and ‘low interest rate credit card’ carrots that these big companies dangle in front of our noses. Is it any wonder so many of us are succumbing to this cancer?
The Cure to this Cancer is also the Prevention
You’ve probably figured out what the solution to poor money management is. It’s a complete no-brainer actually – it’s good money management. It’s easy to figure out, yet harder to implement. It takes discipline and determination to adopt the practices of good money management into your home. So what exactly does good money management involve? Put simply, it is an approach whereby you live within your means and account for all money in and all money out. It also involves clearing any debt and saving not just a rainy day, but every day where you may find yourself requiring a few extra hundred or thousand dollars.
Getting the Cure
If you’re in a situation right now where you feel you are losing control – or have lost control – of your financial affairs, you need to view this as an opportunity to a brighter financial future. Look at it in a positive light, rather than getting depressed, despondent and embarrassed. As a bad credit mortgage expert, I understand bad credit and its implications, and I know that poor money management is the root of this cancer. You need help in curing your poor money management situation, so do something about it today! Sticking your head in the sand and ignoring the problem won’t make it go away. Bad habits die hard and you need all the help you can get. You don’t need to live another day struggling with bad credit and money problems, so find a reputable bad credit mortgage expert today and we can start talking to them about the options that really do exist, so you can get back on track financially. Who knows, you may just be pleasantly surprised at the multitude of options that are presented to you. Don’t wait any longer and do something!
Julian Thornton is a Melbourne-based mortgage specialist who owns and operates the highly successful Designer Mortgage Solutions Pty Ltd. Although specializing in the field of bad credit mortgages and debt elimination, Julian can help anybody into their own home and prepare them for financial success. Julian can be contacted by email at julian

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