Wallet Wizard Personal Finance
A message to the financially stressed.
| Take Heart |
| Certified Financial Counselor Personal Finance Coach Former Director of Education for Consumer Credit Counseling Service of Los Angeles |
| Contact me: (412) 777-9821 |
January 1, 2007
Every year at this time a very large number of people set goal
s for the coming year. The two most common New Year's
resolutions are losing weight and getting their finances in
order. Rarely do these resolutions make it to the end of the
month. Helping you drop a few holiday pounds is not within
my scope but helping you get your finances in order is so
here are some words that I hope will help you along the way.
Every year at this time a very large number of people set goal
s for the coming year. The two most common New Year's
resolutions are losing weight and getting their finances in
order. Rarely do these resolutions make it to the end of the
month. Helping you drop a few holiday pounds is not within
my scope but helping you get your finances in order is so
here are some words that I hope will help you along the way.
 | Depending on how sticky your current situation is, it | |
| could take three or four years to get things in order. I'm sorry, there are not quick fixes. Even those attractive "home owner" loans you see on TV don't really make the situation better right away. |
| You need to have a plan. You don't have to map out | |
| the whole thing right now but without a plan, you will never get things right. A plan starts with a budget. Get the free excel spread sheet to help you with that process. The Learning Center has a like for a free copy. |
| Your budget will help you assess your situation. What | |
| I want to say here is that no matter how bleak it looks, it isn't hopeless. It may look hopeless but believe me, if I could get myself out of the sticky situation that started me off on this path, you can certainly get yourself out of your. My Story. |
| You're plan should include eliminating your debt. | |
| Credit cards are lethal to financial success if you don't use them properly and most people don't. Interest just eats away at your resources. Controlling your use of credit is the first step. The Learning Center has a free excel spreadsheet designed to help you with this process. |
| Expect opposition: Your friends, your family and | |
| sometimes it feels like even the cosmos are throwing obstacles in your path. Let's face it, they are used to you the way you are. When you change something about yourself, they are forced to change too. Expect unexpected expenses, financial surprises and the need to swallow your pride once in a while and turn down the friends who want to go out and spend money. |
| When you screw up, and you will, don't give up. | |
| Just pick yourself up and start again. You'll find that some things work for you while others do not. Your first goal is to spend less than you earn. If you can do that for a day, then a week, then a month, you'll soon be doing it year after year. |
| OK, you can contact me if you need some help with | |
| this. I'm no longer operating this site as a business but want to make myself available for those who have questions. It may take a few days to answer your questions because, like you, I need to work to make a living but I'll help as much as I can. Use the "About/Contact" page of this site to contact me. |
Joseph Onesta
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