“Annual income, £20.00, expenditure £19.95, result happiness; annual income £20.00, expenditure £20.05, result misery.” ~ Mr. Micawber from Charles Dickens’ “David Copperfield”

Learn how to budget. With the economy and growing world wide debt, it is important that we keep our personal debts in check. It is time to distinguish between wants and needs. If you have a partner, then you must figure this out together. A cupcake may be a need to one while it may be a want for another. Figure out the best way for you to pay off your debt. Always live within your means. Learn to save up money for things you want. Avoid the “buy now, pay later” mentality, because when the payment comes, you will probably be unprepared. Know what you have and limit yourself within that. When you do so, you will realize that you will always have all you need, eve if you don’t always have all you want. And in the end…it is what you need that keep you happy. Because, when we really look at it, many times in regards to material things we don’t really want what we think we want.

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