Have you ever brushed your teeth to discover that you have a cavity? If your health insurance does not include dental or you have no insurance because you cannot afford it, you may be tempted to ignore the problem and hope it goes away. The worst thing you can do is ignore the minor problems because they are the things that ultimately turn into the significant issues that can jeopardize your health and run you into bankruptcy.
There are many options available if you need help with medical care if you are willing to ask and find out what those options are. There are public-assistance programs to help people cover outstanding medical bills, as well as payment plans that allow you to spread out the payments for medical care over an extended amount of time. Call the doctor and ask what options may be available to help pay for care.
You may think that there is nothing wrong with spending a dollar at the gas station to buy a lottery ticket. Maybe you will win $50 by having the lucky number or getting all cherries, and you anticipate spending that money to cover some outstanding bills or credit card debt. Nevertheless, what do you think you will spend that money on? Many people spend their lottery earnings on, well, more lottery tickets.
The same thing happens on trips to Vegas. People pull a penny slot and end up making hundreds of dollars. That money gets reinvested in the next slot machine. However, how many times do you think you will keep winning? Even people who win when they gamble ultimately lose because they spend all of their winnings on more gambling and do not win. Even if you win that $50 or even $200 or more, more than likely, that amount will cost you at least double what you earned.
Getting back to the subject of banks, one of their favorite ways to make money is overdraft fees. People who end up with overdraft fees are most often the people who cannot afford them. And with prices upwards of $30, and even $40 with some banks, just one overdraft per month can break someone’s budget. If you are regularly getting hit with overdraft fees, you need to stop right now.
Are you overdrafting when you pay your regular monthly bills? Maybe there are other expenses that you can cut back on to have the money you need to make those obligations. Examine monthly subscriptions that you may have but do not use and cancel them. If you have a habit of buying clothes, jewelry, make-up, or other non-necessary items before paying your bills, change your spending patterns and get those bills paid first.
You may be counting down the days until the next iPhone or iPad release, but if you regularly find that there is too much month at the end of the money, you may need to reconsider your priorities. People who lack material resources often try to live up to the standard that they think society expects of them not to look poor. And what could make you look like you belong more than having the latest and greatest Apple product?
Many wealthy people do not regularly upgrade their phones, computers, and tablets to get the latest release. Their priorities are elsewhere, and those priorities, not the products, help lead to material prosperity. Wealthy people tend to utilize technology to help further their lives, not to impress other people. Focus on what works best for you and your bank account.
You have probably been hearing since you were in elementary school. how harmful smoking is for your health. Smoking is the leading cause of developing lung cancer and also contributes significantly to many other cancers and heart disease. E-cigarettes might be even worse because of the high concentrations of chemicals in them, which can sometimes lead to immediate death.
But then there is also the immediate cost of smoking, literally, the cost of cigarettes. If you pay $10 for a pack of cigarettes and smoke a pack a day, you are burning right through $300 per month. Moreover, if you are smoking e-cigarettes, it could cost even more. Smoking is as if you are setting fire to your money. Try to quit smoking today. Look for the support you need and search for the internal motivation necessary to kick the habit.
When you need to buy clothes, the worst thing you can do for your wallet is pay full price. If you go to a clothing store, head straight for the sales or the clearance rack. You may be amazed at what you find. Furthermore, if you have never been thrifting before, now may be a great time to start checking out your local thrift stores. Many thrift stores only stock quality, lightly used items, and buying used clothes is much better for the environment than new ones.
If you (or your kids) balk at the idea of thrifting, one trick is to give yourself a budget of how much you might ordinarily spend on clothes and take that amount to the thrift store. You will be amazed at how far those dollars can stretch. You can also look for consignment stores, which only stock very high-quality merchandise but at a steeply discounted rate.