Correct. It's a budgeting problem, same as with most governments. I'm on social security, along with my wife, but I'm doing fine. I have a budget that is run out to 2030 so I can see ahead of time where there might be tight spots and where bills will end, giving us extra money for something else. We are very close to finishing Dave Ramsey's debt snowball plan. I have only a single credit card, and that balance goes down every month. They keep writing to me begging me to charge more so they can get their usury. I'm not falling for it. Unless there is an unavoidable dire emergency, I will never borrow another penny.
I can remember not having the 25 cents to buy a canned Coke from the machine at college. Now, if my wife wants a steak for supper, I can take her out to get one without a second thought about whether I can afford it or not.
My current budget is 24 pages long. It's a table in WordPerfect, similar to a spreadsheet. I have every income and expense, along with the date and a running balance. It's nice seeing bigger balance numbers in coming years.
Correct. It's a budgeting problem, same as with most governments. I'm on social security, along with my wife, but I'm doing fine. I have a budget that is run out to 2030 so I can see ahead of time where there might be tight spots and where bills will end, giving us extra money for something else. We are very close to finishing Dave Ramsey's debt snowball plan. I have only a single credit card, and that balance goes down every month. They keep writing to me begging me to charge more so they can get their usury. I'm not falling for it. Unless there is an unavoidable dire emergency, I will never borrow another penny.
I can remember not having the 25 cents to buy a canned Coke from the machine at college. Now, if my wife wants a steak for supper, I can take her out to get one without a second thought about whether I can afford it or not.
My current budget is 24 pages long. It's a table in WordPerfect, similar to a spreadsheet. I have every income and expense, along with the date and a running balance. It's nice seeing bigger balance numbers in coming years.