Autumn Wellness

Budgeting is a healthy approach to balancing your finances.. I’ve found that you should only have 2 credit cards. Always pay them both off every month. Never spend more than you can afford to pay off at the end of the month. Always buy big ticket items on time and make sure you get the “longest” pay back period you can negotiate. Make sure you have no penalty for paying the item off early. Then pay the item off as fast as you can… even if you have to work a second job Eventually, when you retire, you will have your home, appliances and vehicles all paid in full. Then all you will have to budget your social security money for is property tax and essentials. It’s a very thrifty way to save money and be free of high interest rates. Remember the adage: INTEREST NEVER SLEEPS…