Beter Days Ahead Kid

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Give it up to Pay it down

Give it up to Pay it down. Make small sacrifices and realize big gains over time.

My uncle gave up smoking. I was in high school when I heard the story. His motivation? Health? Longer life with loved ones? Nope. Neither.

Money. He sat down one day and figured out how much cigarettes cost. He also calculated what he had spent over the years.

The totals are not important. What he was spending per day, per month, or per year doesn’t really matter. What matters is that the total…

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Get Out of Debt Mindset

Get Out of Debt Mindset

Make your mind up to accomplish a goal. Doesn’t matter what it is. When you do, your thinking changes. Losing weight? You change your diet and explore different food options. Training for a 5K? You change your diet, exercise, and routines to fit the training into your schedule.

Same goes for getting out of debt. When you look for every way to save you change your way of thinking.

Here’s an…

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Are Banks and Airlines Talking?

Are Banks and Airlines Talking?

Every once in a while you run across something that makes you wonder, “Who put that idea in their head?” If you have teenagers or if you ever were one, you get it. The idea that comes out of nowhere. Sometimes the ideas are just crazy. Other times the concept is just so crazy it may work.

Shaking things up and thinking differently can be a great thing. Innovative thinking brought forth the light…

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[betterdaysaheadkid-blog]

Escape the Grind

I recently spent a rainy night watching the movie Mississippi Grind.  It’s a story about a man whose life is in shambles largely because of a gambling problem. He is always chasing the next best thing always thinking he just needs a break. The highs of winning are so great, he is continues to drag his sorry butt back to the casino or a high stakes private game for the next chance to turn the…

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[betterdaysaheadkid-blog]

No Interest is No Deal

No Interest is No Deal

Photo by Pixabay on Pexels.com

I wanted to yell, “Don’t do it!”

A group at work was discussing the merits of a No Interest deal for furniture and what a great opportunity it was. I almost bit a hole in my tongue while holding back the urge explain how the no interest financing is NOT a good deal unless you are the store. These financing options are seen offered for major appliances and…

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[betterdaysaheadkid-blog]

How to Discuss Your Debt

How to Discuss Your Debt

Rather than dollars, I related my situation in terms of time and percentages. Why? A few reasons. The amount was embarrassing to me. Nobody needed to know the exact numbers. Plus, the amount you are in debt is relative to your income so $20K to someone making $40K per year is much more significant than for another person making $200K. Discussing your debt in terms of percentages is a topic for…

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What's it Worth?

What’s it Worth?

The last post You’re It! centered around taking the bold stand to do what is right for your finances and the well being of those you support even if it meant backlash or becoming the person people talk about in any one of your social groups. Well, here is the other side of doing the right thing and getting your financial house in order. Those closest to you will notice. They will even support…

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[betterdaysaheadkid-blog]

You're It!

You’re It!

People are social. Sometime by choice and at other times we engage in a forced social construct. By choice, we get to choose our friends and who we spend free time with, kind of like our discretionary income. In other social groups we don’t get to choose all the characters such as family or work associates. Interestingly enough though, there is at least one person in each group, who seems to be…

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