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It’s always funny to me how much people spend each year on Christmas, putting majority of it on credit cards, and then by New Year’s they are stressed out and panicking to make a resolution to fix their finances and get out of debt. Isn’t Christmas the same day every year? Don’t we know that we spend money on gifts every year? Wouldn’t it be easier to save $100- $200 each month to use cash at Christmas instead of paying interest on credit cards?

This article is great and funny to see what people are willing to give up in order to get rid of credit card debt but not willing to create disciplines to stay out of it!! ENJOY!

68% of those with credit card debt are concerned about how they will pay it off; very few have plans in place to get rid of it:

Most Americans would give up social media to erase credit card debt Those saddled with credit card debt are concerned about it, yet few have plans to pay it off anytime soon.

FRIDAY FOCUS...

Whatever goals you may be working on, I hope this TRUTH helps you focus on winding down the week and nearing the half way point in November.

68% of those with credit card debt are concerned about how they will pay it off; very few have plans in place to get rid of it:

Most Americans would give up social media to erase credit card debt Those saddled with credit card debt are concerned about it, yet few have plans to pay it off anytime soon.

Thirty percent of Americans ages 50 to 64 has an adult child living with them most of the year – the highest point in 40 years:

Still Supporting Your Adult Kids? 5 Steps to Set Them Free They need to become independent, and you need to have a stable retirement. Wean your children financially with love and respect.

Six old-fashioned money saving tips that you can still use today:

6 money-saving tips your grandma used that are way more effective than any budgeting app When it comes to budgeting and cutting costs, your grandparents' old-school money-saving tips may work better than any app. Check them out here.

How to figure out your financial priorities:

How Do I Figure Out My Financial Priorities? Acknowledging that you need priorities is the first step! Most of us muddle through our financial lives, spending to meet the day-to-day expenses that dominate…

Great read for not only young families but all families!

It’s not all about money: Financial wisdom for young adults We asked personal finance experts and financial planners what newly minted adults need to know about money. Their bottom line: Be sure your balance sheet includes some joy, too.

Still truly amazing to me that majority of people fall into this category. The solutions can be very simple and easy to implement. I believe that with a little education and help to start down the right path, everyone can achieve their financial goals while the Financial Industry as a whole would like us to believe that financial success and help from financial professionals is only for the wealthy! Let’s work together to make our community stronger for the future.

3 signs you're living beyond your means Is your spending out of control? Here's how to tell.