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Is Your Diet A Headache?
There are some foods and drinks that headache and migraine sufferers should avoid. However the sad truth for people who suffer from severe headaches is that only around 20% see any benefit to a change in their diet. The things that are best left alone are the six C’s: Coffee Cola Chocolate Cheese Citrus Congeners Other foods that contain headache triggers are: Nuts and cheeses that have been aged, such as parmesan, cheddar and brie. These all contain Tyramine, an amino...

Bad Habits Keep You From Achieving Financial Plans
Bad Habits Keep You From Achieving Financial Plans   by David WildingBad habits can ruin any well thought out financial plans. Habits such as your morning coffee,buying lunch at work each day, and of course smoking and drinking, can drain your bank account.They are not as noticeable as someone backing a truck up and loading all your money in anddriving away. However, the results are the same.A woman shared her story with me. Her bad habit was smoking cigarettes. She smoked less than acarton a...

Haggling: Give Yourself A Raise
Haggling: Give Yourself A Raise   by David WildingHaggling was a way of life for Mr. B. I knew Mr. B because his son was one of my friends. Hishaggling greatly embarrassed my friend, but it didn't bother Mr. B. He was saving money.Mr. B was a wonder. His distaste for paying retail was so ingrained he would bargain at the localfast food restaurant. Not attached to this man by blood, I felt no embarrassment, so I wouldwatch with interest as he worked his magic with a retail price.If you were...

Any time Is A Good Time To Make Financial Resolutions
Any time Is A Good Time To Make Financial Resolutions   by David WildingThe New Year often brings with it a desire to right the wrongs in yourlife. From this desire springs the tradition of New Year resolutions.You should take advantage of this to change your financial situation.There is a good chance by the time many of you read this, you willhave already made and BROKEN your financial resolutions. Those of youwho have not already done so, know they are hard to keep. You canchange that. You...

Credit Counseling Questions.
Credit Counseling Questions.   by David Wilding˙ When you find yourself thinking about using a credit counseling service, you need to be verycareful. You need someone who will help you, not just some pushy sales associate who wantsonly to sign you up for their service. The debt industry has grown dramatically as the American consumer has taken on an increasing loadof debt. This increased competition for the debt dollar has attracted some charlatans to the industry.You need to be very careful...

Use A Debt Checklist To See Where You Stand
Use A Debt Checklist To See Where You Stand   by David WildingA Debt Checklist allows you to look at items and areas of your financial life. You need toexamine these to gauge how you stand. Even if you believe you are in good shape take a closelook at these areas to be sure. Your Budget   Almost nobody likes this word, which is why so many peoplehave problems with their finances and debt. You need to know how and where your money isbeing spent. In addition, you should be sticking to a spending...

Don't Let The Good Times Bury You
Don't Let The Good Times Bury You   by David Wilding˙It is vital to get rid of debt while things are going well. Just the opposite is usually thecase. Human nature is such that when wefind ourselves living in good times, we letdown our defenses. We make our worstdecisions when our lives seem to be goinggreat.It is not hard to understand why thishappens. We believe things will always bebetter in the future. When I’m done withschool. When I get a better paying job. I’msure I will get that...

What Will You Take For A Dollar?
What Will You Take For A Dollar?   by David Wilding ˙ The other day I sat in a meeting listening to a young man extol the virtues of owning real estate. Much of what he said was true. However 2 things made me sit up and take notice and I couldn't help but comment. First, he said the interest on his home loan was tax deductible, so the government was underwriting his house payment. I asked how much thegovernment was giving him. He said they were not giving him anything but allowed the interest...

Stupid Ideas Are Bad For Your Financial Life.
Stupid Ideas Are Bad For Your Financial Life.   by David Wilding ˙Stupid ideas come in all sorts of packages. Bad debt, various loans, purchase decisions, anddelayed savings. Most people reach the age of 65 with little or no savings. They live off socialsecurity and what little else they have. It is no wonder the golden arches are filled with workers in their golden years. Anything that wastes your money and prevents you from becoming debt free can be a stupid idea.The only way to save and...

Don't Wait For The Perfect Situation To Pay Down Your Debt.
Don't Wait For The Perfect Situation To Pay Down Your Debt.  by: David Wilding ˙The number one reason people don’t get out of debt is they don’t try. This may apply to you. You want to, but never seem to do it. You put it off for whatever reason. You want to wait for your life to be just right before you make the attempt. You tell yourself, when I get the new job, when I receive the next promotion, or when I get my next raise, I’ll go to work on my debt. (c) 2004 David Wilding Perhaps...

Total Cost of Credit vs Monthly Payment
Total Cost of Credit vs Monthly Payment  by: David Wilding ˙I read a press release the other day which points to the fact we need to be very careful with our finances. The subject of the release was home mortgages. A company was announcing the availability of 40 year mortgages for its customers. The stated purpose was to lower the monthly payments to make buying a home more affordable. Whenever I hear the phrase “more affordable”, I put my hand on my wallet because the attempt to empty it...

Purchase Your Future Now While It Is Still Inexpensive
Purchase Your Future Now While It Is Still Inexpensive  by: David Wilding ˙Leaving school, getting a new job, or even a raise at your current one, has most people considering their next great purchase. Few think about the affect this could have on their future. Rather than pay down the debt they carry, many ponder, “What can I buy now”? The greatest purchase anyone can make is their future. Each year as you live your life, the proper choices would have you possessing a greater net...

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