Thinking About Buying Something?

Okay, just stop for one second. I know you want to make a very big decision right now and I am sure it will cause you to invest in some kind of money. Or maybe your new credit card you have been dying to use. I've been then and done it. You really don't have the money, nor do you plan on paying it off with your next pay check. Here is a small check list that you may want to consider first:

• Look at your checking accounts & savings


• Look over your monthly bills


• Have children--your going to need extra diapers, baby food, and clothes


• Check the oil in your car, it might be needing a change--that's more money


• How badly do you need it? Today, next month, or never?


• Do you have to get a loan from the bank or borrow money from a friend?


• Did you ask your spouse or significant other?

I know there are so many other things to consider. I hope you go over this checklist or make one of your own to make sure that whatever your next Big Item is, your not breaking the bank (unless its a home & your making a lot more money than your monthly bills added to this new mortgage), using credit you can not pay back, using your gas money, or anything else that can cause HUGE problems in your soon future.

Take your time and talk about it. Even walk away from it. I always hated it when a month later were sitting around the house with dog crap on the floor thinking, why did we spend $1,200.00 on this dog? And for something we didn't even need! Good luck!