3. THE SPENDING DUCKIE!

A: Believe it or not, spending duckie is a different duckie then budget duckie.

B: See, spending is an action that you take, whereas budgeting is more a planning process. Now, how do you spend? Do you use your ATM card, or your VISA, or CASH? Do you spend what you have, do you spend what you need, or do you spend to gratify what are actually your wants and desires, right now, no matter what, irrespective of your budget, and without control or measure?

C: You see I believe that spending is a behavior pattern, and a habit, and it can be changed, and you can change! It is also a reflection of your values, and of your goals. So, you will need to deal with this, in order to get to that “Financial Wizard” that you know is deep inside you.

D: Line this ‘lil duckie up. Again, recognize it’s something you need to grasp, and then go seek help. Don’t rely just on yourself, because if you have poor spending habits, chances are, they need to be corrected by someone who has good spending habits. That said, spending is a skill, just like anything else. It’s a tiny little thing. A cute lil’ duckie. You can do it.

And now, on to last cute, tiny, lil’ duckie:

4. THE lil’ FICO DUCKIE!

A: Sometimes, your credit may be in need of attention. Well no big deal, but neglect this no longer.

B: You CAN do something about it, and you CAN work towards cleaning your credit up, increasing your FICO score, and getting your credit to reflect new you, “Financial Wizard” you.

C: Many of items on your credit report can be challenged, explained, or dealt with in a professional manner. The first step is always to get a copy of your credit report. Find out exactly where you stand. The second step is to assess it, either on your own, using a service, or using a professional. The third step is to form a plan to address credit report, and fourth step is to take action.

D: But with that said, it would be wise to deal with first 3 issues of debt, budgeting, and spending, prior to dealing with credit report. I say that because your FICO score is really just a reflection of other 3 issues. So, deal with them first.

E: But once you’ve got your debt, budget, and spending under control, please realize that your credit is a manageable, tangible, and workable problem, with workable solutions. Seek out professional advice, so that you don’t have to go at it alone, and before long, you’ll have a squeaky clean credit report. Of course by that time, you’ll be well on your way.

CONCLUSION:

So that’s 4 lil’ duckies. They ain’t no BIG THING, just like I said. But ignore them no longer. Neglect them no longer. Avoid them no longer.

But don’t be afraid of them. They’re just 4 cute tiny ‘lil duckies, and they’re just looking for a little attention. The are also, of course, very foundation and health of your financial house. Build a home on toothpicks, and eventually, you will wind up with a pile of lumber.

Not a great place to live, if you’re a cute ‘lil duckie.

We’ve enjoyed providing this information to you, and we wish you best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.

Publisher’s Directions: This article may be freely distributed so long as copyright, author’s information, disclaimer, and an active link (where possible) are included.

Disclaimer: Statements and opinions expressed in articles, reviews and other materials herein are those of authors. While every care has been taken in compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.

In addition, often times, breathing room from tax savings, is just enough to get you out of survival-mode. It happens to many of us. We start thinking about saving, rather than spending, and we start thinking about future, rather than just getting through today.

Thing 5, Equity. Huge deal here.

You have to understand that money you are already spending on rent, can be re-routed towards a home mortage.

So, if you spend $1,000 a month on rent, and then restructure your lifestyle so that you own a home, and spend $1,000 a month on a piece of property worth, let's say, $250,000, for example, and that piece of property appreciates 10% a year...How long will it take you to become a millionaire?

Get your trusty calculator out and learn how to crunch this number, because you are much closer then you realize. I come up with $1,263,617.57 in 17 years. Now, that's over One Million Dollars Equity in 17 years, just by re-routing rent money that you already spend! It is effortless.

It requires no additional activity on your part. Just keep going to work, bringing home your income, and paying your mortgage. In 17 years, you will be a millionaire.

Furthermore, there are variables in this equation that can make this happen even sooner. For example, you could live in a metropolitan area with a much higher appreciation rate.

Last year, our homes in Sacramento area appreciated at 15.5%. Now, there's no reason you couldn't live here, or maybe you already live in a high appreciation metropolitan area. Maybe you don't want to. You don't have to.

The point is, that if you wanted to speed up this process of getting to a million dollars through passive investment of your residential home equity...You could....

Or, like I said, you don't have to. Just buy a home, and you'll get there in 17 years or less.

Thing 6, King of your Castle:

Now, thing 6 doesn't necessarily award you a faster route to a million dollars, but what it does do is ensure that you have peace of mind, happiness, and balance in your life.

With joy of home ownership comes it's own reward, and that will ensure that you won't just want to get up and bail out on your investment because you're miserable.

You won't be miserable if you buy home of your dreams, and if you live in a place you love, place you call yours, place that is steadily growing equity, and tax benefits, and wealth.

This is place where you are in total control of your life. This is place where you are king of your castle.

We’ve enjoyed providing this information to you, and we wish you best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.

Publisher’s Directions: This article may be freely distributed so long as copyright, author’s information, disclaimer, and an active link (where possible) are included.

Disclaimer: Statements and opinions expressed in articles, reviews and other materials herein are those of authors. While every care has been taken in compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.