I really should have called this creating financial stability, I see so many living check to check and making bad financial decisions.

Hopefully I can help just a little.

First , Do you think about your old age? You are going to get older and Social Security may not be enough to get you through monthly expenses.

Do you have a savings account? I hear so many people say they don't because it doesn't pay much.

That is not the point of saving. If you have no interest in saving your money, stop reading now.

Many of us are here because we love the lottery, if your waiting for a big win, it's time to rethink your priorities.

Have you ever asked yourself, where do I want to be in 10 years?

Do you have goals? Do you have an IRA or 401K, Stocks, bonds or other investment income?

Do you really pay attention to those monthly bills?

Do you really know how much of your money is wasted on impulse buys ?

Are you drowning in loan or credit card debt?

Are you living well beyond your means?

Many households only have 1 or 2 sources of Income....not good.

Creating more then 2 sources of income takes time, doesn't happen over night.

If you are using credit cards as a source of income, you will never get ahead.

Do you know how much it cost you to live last year? Do you know how much it will cost you next year?

Like I said, you will get older, unexpected things happen.

Chew on all these questions, ask yourself if you really want to take the time to track your money, because if you are willing, you are already ahead of the curve.

You can have so much more by being conservative with your cash.

If you are serious, go get a couple pads of paper. My next post will be tracking monthly expenses.

In the mean time, spend the next couple days writing down everything you buy, after a couple days look at that list and ask yourself, Did I really need that crap? If you see things you didn't really need, your ahead .

We are bombarded with ads, people wanting our hard earned cash.

Self control will be a big part of getting and staying ahead.