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A friend tells you that she has a job that pays $1,100 every month (after tax); however, she is spending US$1,300 every month and taking on more credit card debt to meet her monthly bills. In conversation she says, "I love to eat out, and music is my passion?so I need money for the things I want to do." She ends the conversation by saying, "My mother always tells me that I need a budget, but I tell her that I am doing fine without one."
Sorry, The question is regarding budgeting advice. My initial thoughts are: The creation of a budget is essential. My "friend" must let go of thoughts that are negative and difficult about budgeting and accept its necessity. Secondly, I would suggest paying with cash for all purchases or whenever possible. Third, I would suggest the possibility of lower interest credit cards for balance transfers.
Am I on the right track? I am dealing with resistance to change and fear of difficulty. Is this advice good? If not, what other suggestions would you implement?
In 1994, the Dryden Construction Company contracted with the Ontario Hydro Electric Power Commission to build an access road 7 miles long from its Manitou Falls generating station to Provincial Highway No. 105. The contract contained the following..
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