Impulse Buying is Predominant
 
 
In our culture, impulse buying is predominant.  In years predating the present easy credit, you would walk into a department store, see an item you would like to purchase, and put a small cash down payment toward it and then pay it off monthly until the item was paid for.  […]

Getting Your Money’s Worth
 
 
 
Before making a purchase, pause for a minute to ask yourself a questions.  Is it worth what I’m paying for it?  This is where spending money becomes a real skill.  Worth or value is often hard to determine. 
 
Value in this case means the quality of the product itself; it […]

Purchasing While Considering Quality
 
 
Generally, when you are buying a product where length of service and performance are important, quality — how well it is made, how well it functions, how long it will last — is first consideration.  Price is, within budget limits, a second consideration. 
 
Appearance may or may not be a […]

Build a Huge Nest Egg
 
 
You can build a huge nest egg for your later years simply by living below your means.  Does it mean driving a car that should be abandoned in a junkyard?  Not really.  Does it mean eating oatmeal seven days a week and drinking only water?  Not really, but perhaps […]

Credit Cards Are the Norm
 
In our culture, credit purchases are the norm.  Often, before an item has been paid for, it has been discarded.  If you think you must have it all now or you cannot be happy, a paradigm shift must be made in your thinking. 
 
In our culture, going in hock […]