I wish I had tidings of joy or silver bells but its going to be a dollar menu Christmas. Now I admit I am usually an optimist but the economy has hit a level that is causing even some of the most successful to reign in their spending habits. What is to be done when people who earn a good living struggle to make ends meet? Now I have made my fair share of fiscal mistakes but as positive as I can be the only solution I can see is to earn more money.

Now for a lot of people this may not seem like a very desirable and or feasible option but you can only cut so much until you are left with things like, gas to get to work. Now it may not be desirable because chances are you are not going to earn nearly as much with some side job as you earn at your primary job. This of course could be untrue as well if you find a business you can start part time and grow in to a successfull venture. Of course this would also mean a great amount of time and sacrifice. However, the end result can be very rewarding.

As I stated before it may not be feasible because of time constraints, family, or maybe you are not comfortable with the idea of running your own business. Maybe you just work some extra hours, or part time when possible to make ends meet. Either way I have a great amount of respect for those who are willing to work hard and take matters into their own hands. So, collect cans, save your loose change, clean houses, it does not matter because when things improve you know that what you accomplished, was accomplished through your hard work.

Believe me I would love for a large sum of money to fall into my lap but we have to be honest with ourselves at the possibility of such a thing occuring. Chances our near zero. Granted it happens but remember they only tell us about the winners not about the far greater sum of losers. Believe me, I have searched hard and know there is no easy way out. And if someone tells you there is they are lying. We are the worst savers and worst debtors in our nations history. We have seen the reality of those decisions. Lets face ourselves and commit to turning our bad habits in to good habits. We need to start saving into money market funds and mutual funds and live within our means by not using credit cards or other debt unless absolutely necessary. Good luck my friends.

~ Matt