"If You Think You're In A Hole, Quit Digging"

It's funny, I think, how the beginning of the new year, always brings out all the experts, offering their versions of how we can improve our lives.  Whether it's physical fitness, healthier eating, or financial security, they all have "new" ways of making our lives better.

I've been paying special attention to the financial wizards and their advice and I think I've come up with an even better and more innovative way to ensure good financial health.   I'm titling it The "If You Think You're In A Hole, Quit Digging" Program.  

I'm "old school", I know.  I came late to the party that had folks using ATM's and debit cards.  I still write checks (you know, those antiquated pieces of paper that represent cash?) I don't bank online (except to check my balance) and I pay off credit card balances in full, each month, faithfully.  I'm not being snotty about it...that's just the way we roll.

When one reads about the amount of debt in this country, it's obvious that we're very much in the minority.  I'm so afraid that so many are living beyond their means, with homes and cars they can't afford, taking trips that take a year to pay off, and credit card balances that would keep me awake at night.  I even read about a couple who was in debt trouble and were using credit cards to pay off credit cards!  Stop it!  "If You Think You're In A Hole, Quit Digging"!

If you're spending money on things you can't afford, stop it!  Who are you trying to impress?  If people judge you on what you have, you don't need 'em!  If you aren't squirreling away money for the future, you better change your ways.  Start paying yourself in the form of a savings account.  You have a lot of years ahead of you and who knows what the future holds?

I'll retire now from my financial advisor role - I'm really not qualified -but, to me, it's just common sense- "If You Think You're In A Hole, Quit Digging"!

Maybe, next up, I'll become a personal trainer at the gym.   Nah, never mind.