Money/Debt Fool

A money/debt fool is someone who has some of the following characteristics:

  1. Lives paycheck-to-paycheck;
  2. Does not save for retirement;
  3. Does not have any emergency savings;
  4. Uses credit cards to pay for any emergencies;
  5. Has maxed out his/her credit cards;
  6. Does not want to or is afraid to open his monthly bills;
  7. Does not have a budget to which adheres;
  8. Owes more money than he/she earns;
  9. Continually lives beyond his/her means;
  10. Has creditors knocking on their doors or calling them;
  11. Has a low FICO score;
  12. Has dreams about being debt-free, but has no clue about how to accomplish this;
  13. Wonders each month where his/her money went;
  14. Ends-up with more debt than money at the end of the month;
  15. Has not saved for a home;
  16. Has not saved for their children(s)’ college education;
  17. Pays the minimum payments or nothing at all on their credit cards, loans, or other debt;
  18. Frequently gets payday loans to make ends meet.

Don’t be a money/debt fool. Get busy reversing these characteristics and be money/debt hero.

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