Ten Commandments for Healthier Finances

1. Thou Shalt Recognize One’s Time of Life … And Keep it Holy.

   Remember your place in the life cycle, and understand the financial limitations and pitfalls.

2. Thou Shalt not Covet thy neighbor’s Possessions.

   As hard as it may be, refrain from needing to compete with friends with respect to material possessions.

3. Thou shalt learn to say no.

   As difficult and disappointing saying no may feel, it is significantly easier than picking up the financial pieces brought on by continuously saying yes.

4. Honor thyself by doing something special.

   It’s okay to treat yourself to something special from time to time. You deserve it!

5. Thy mind is a terrible thing to waste …. Don’t fear learning.

   While the world of finances may appear scary, it is imperative to understand how your life is structured financially.

6. Thou shalt think before thou doeth.

   Recognize your impulsive spending behaviors, and what role they are playing in your life.

7. Thou shalt teach your children …. And hopefully they will honor your guidance.

   Experience is one of life’s greatest teachers. Be aware of your children’s behaviors, and don’t forget that they are always viewing yours.

8. Honor thy spending capacity and keep your credit cards hidden.

   Believe it or not, when we use our credit cards we actually will need to pay the bills with real money. BE AWARE!

9. Thy Financial Future is your responsibility …. You must be in a position to control it.

   Remember that life’s changes come fast and furious. Prepare today for your needs of tomorrow.

10. Honor thy partner’s Right to be involved in financial decision making.
    

    As in any relationship, we must work together, including the management of financial issues. Steer clear of using money as a tool for power and control.