"Here are some things I'd like to loan you for your life. Please take care of them for me." - God

Some lies...

• "You deserve it!"

• "You need it"

• "You can catch up later"

• "Bigger and better equals happiness and contentment"

• "______________________________"

Bigger and better too often means long term recovery. The long-term irony: Your world becomes smaller and worse.

Let's be straight forward on Credit Cards:

• The bank is NOT helping you out by letting you carry a balance each month.

• If you have carried a balance on your credit card(s) for more than 2 months, then repeat after me:

  _____________________________________!

• If you choose to have a credit card, prepare for battle.

The Modern Day "Parable of the Talents" (Matthew 25:14-30)

Ask this question of yourself (over, and over, and over, and over...):

"Is this the best long-term decision for me to make?"

Which is wiser?

  To have what you want  OR  To want what you have

The more disciplined you become with your finances, the less "happiness" you will find in your purchases.

Where are your boundaries at when it comes to your spending?