Bailout
Don’t read this if you think you’re so rich already. Why should you care? Money is all you got, so don’t be afraid to donate some to the poor.
Don’t get mad after you read this. Because you know it’s true, don’t be afraid to embarrass yourselves, yell it out:” I’m poor, I’m a slave of credit cards!” Finally, you roar:” save more, live better -bailout me!”
1. Stop dream big! Dream realistically-don’t buy a house that will cost you 30 years-forever to pay back. You don’t need a house so big, you don’t need a pool, you don’t need 3 garages; you don’t need a huge back yard for growing vegetables, because you won’t grow them anyway. You don’t need 5 bedrooms with 5 bathrooms, you also don’t need 400-1000 sq feet kitchen, because you are not running a hotel business. Living in an apartment or a condo is more efficient for your cash. Ohh! You also don’t need to have so many dogs at home, they cost money and your living spaces.
2, Say No to your credit cards! Don’t look at them, don’t use them. Carry 1 credit card with you for EMERGENCY (emergency is not equal shopping for up to 60-90% off sales in retail stores on your way home or during your lunch break), such as accident. Stop looking at designer’s product, because you know you cannot afford it- credit card is not for things you cannot afford.
3. Fiscal policy: increase government spending, decrease taxes for low income family (Under $150,000/year per household), but increase taxes for high income individuals (More than $150,000/person); increase transfer payments.
4, CEO/CFO/COO whoever is C?O in crashing banks, investing firms, you don’t deserve a dime in next 3 years, you had enough in the past 10 years.
5, Don’t buy cars that doesn’t much your living style. Don’t take taxi if you need to skip lunch for it. Use more MTA, so MTA won’t raise their price.
6, Don’t waste your money on diet, it’s never going to work. So eat better at home to get stronger and smarter, then you’ll have energy to make more money!
7, Organic food? You won’t die if you live with out it. Normal fresh food won’t kill you!
8, Don’t have 2 more children if you know your income barely cover your present household’s expenses.
9, You don’t need to have a glass of wine everyday. We don’t live like that anymore. Stop dreaming you’re living in France in 18s century. You may spend your booze money on something else, such as save them in your checking account. So that you don’t need to swipe your credit card every single time, that’s embarrassing.
So wake up, stop flying in your dreams. Think million times before you spend your dollars. Don’t think if you’re shopalcoholic, because you’re hopeless, just need to marry a millionaire, simple solution.
