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10 Budgeting Myths You May Be Falling For
Having a budget is essential to helping you beat debt and win with money. If you can do basic third-grade math, you can make a budget. Your income minus your outgo needs to equal zero. Seriously, hating math is a pretty lame excuse. Instead of hating math, why not hate being in debt? You know what else is boring?
Myth: Debt is a tool and should be used to help create prosperity. Truth: Debt isn't used by wealthy people nearly as much as we are led to believe. Debt is dumb. Most normal people are just plain broke because they are in debt up to their eyeballs with no hope of help. If you're in debt, then you're a slave because you do not have the freedom to use your money to help change your family tree.
There are a ton of myths out there parading around as truth. But the real truth is that these myths are keeping broke people. Maybe you signed up for every credit card offer you received in the mail, or you just thought debt was a way of life. Plus, once you know the real truth, you can start your journey toward financial peace. Saving is for yuppies, right? Well, not if you want to stop living paycheck to paycheck. But the key to building a solid future with your money starts with budgeting and saving.
The U. Seemingly responsible behaviors like paying in cash and avoiding too many credit cards can end up working against you. Truth: Some financial experts, like Dave Ramsey , say you should never take on debt.
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1. I can always save later.
Most normal people are just plain broke. They are in debt up to their eyeballs with no hope of help. Related: Struggling with debt? But it can be done. This is how the wealthy really build their wealth. You can buy a home, buy a car, start a business, or go out to eat and not be bothered with having to wait. He remembers a finance professor telling his class that debt is a two-edged sword: It can cut for you like a tool, but it can also cut into you and bring harm.
Credit card debt is a major problem in America. And look, I totally get that credit cards are completely normal in our culture today. Payments and late fees have a tendency to pile up, and they steal more than your paycheck—they steal your joy too. If that happens, your interest rate skyrockets, your credit score drops, and you get slapped with fees. Everyone knows the surefire way to wealth is to accumulate credit cards points. Just kidding!