FINANCIALLY IRRESPONSIBLE: WHY WHAT WE SPEND OUR MONEY ON SAY ABOUT US

Brown Leather Wallet Using Blue Steel Clap

“Control your spending, don’t let spending control you.”


People and their financial problems is a constant conversation. And the question is how can people survive if they are spending more than they have. It’s simple, it’s called live within your means. Why are you spending so much money, assuming that it’s going to keep coming. And that assumption gets people into a lot of trouble when they finally do need the money. They assume it will keep coming, it stops, and they panic. And that’s when they start to think of all the bad purchases they made. It sinks into their head they have made so many bad decisions, but by that point it’s far too late. So what are some bad purchases?

For starters, a vehicle may not be a necessary purchase for some people. If you live in a metropolitan city, or close to one, it may in your best interest to utilize public transportation. Buying a car may be in the best interest for you. And if you do decide to go ahead and buy that car, please make sure you can afford the Grey Mercedes Benz Steering Wheelcar. Far too many people buy cars that they cannot afford. Now you have a monthly payment on a car that is too high to own. You make $45,000 per year and drive a car that cost $60,000. Why are you driving a car that cost more than you make. What does this say about a person? These type of people need validation from other people.

So when you need validation based on your car, you live outside of your means. Another purchase that is exposing is the amount of money people spend on clothes and accessories. These purchases people make by going into a store because they assume they’ll get a check in two weeks. They thinkadult, bags, brick wall to themselves, “I have enough for rent, utilities, food, and transportation,
not to mention all my personals I already have at home.” So they go to the store and buy clothing. This may be a big mistake because you shouldn’t buy items because you have covered the cost of bills. You buy an item when you need something, or truly want something. But so many people are these impulse buyers. They create a need for something, buy it, and regret it later on.

Impulse people are scary with money because they usually buy because that new feeling is such a good feeling. It doesn’t even matter if it’s a t-shirt on sale for $10, they buy it. Just the good feeling of buying something new and
carrying that bag up the street. It’s almost as if they have this feeling of adult, beautiful, elegantaccomplishment by buying something new. But that feeling quickly wears off in a day or so. Then, they are out, scouting stores and looking for that next purchase. And these impulse people mirror the lives of drug addicts. And coincidentally enough, these are people with bad shopping habits.

And addiction says more about the person as well. They are not only seeking validation, but there is a void in the person’s life. Yet shopping for you is not the only problem. When you’re spending is now on other people that can be just as problematic. We might indulge on the people around us as well. And of course, they’re not going to say much. What family member Black Calculator Near Ballpoint Pen on White Printed Paperof friend will say slow down. They’re just on for the ride, not thinking about tomorrow either. And why not, it’s not like it’s their money being spent. In the end, having our finances out of balance have long term consequences. It can effect our ability to buy homes or even later, assists our kids with furthering their education. So get your finances under control before you’re controlled by your finances.


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A PEOPLE IN PERIL: HOW WELFARE HURT BLACK PEOPLE IN AMERICA

Image result for american WELFARE

“Do we really need it?”

For the past few decades, the African American community have depended upon the welfare system from the United States government. But this welfare has come at the expense of the taxpayers. Now, don’t get me wrong, population wise, more Whites are on welfare than Black people. But the percentage of our group on welfare is problematic. So the percentages relative to the group is much higher for us. My question is how long will it last? How long will America continue to open its hands to giving and giving. And yet, what is coming of all this giving. How many people actually break away and become successful. Better yet, how many people break out of the grips of the welfare system all-together.

For me, growing up in a single parent household, my mother was temporarily on welfare. The moment she made half decent money she was done. I didn’t understand as a child until I became an adult the problem with the system. To a lot of struggling mothers it’s a way to feed your children. But to me it became a systemic construct that your child could almost never break out of in America. Children born into the a welfare household have higher chances of breaking the law and going to jail. Children born into welfare homes also are more likely to repeat the cycle of their mother. Is it something written in the policy? No, it’s the unwritten implications. The unwritten that has to do with rewards for a father not being present.

To a woman, she’s receiving the money because she need to feed her children. But when you really look at it, it’s a check for a father not being present. So now, we will finance your cost of living, but he can’t be present. Which in reality, just because a man is there, does not mean the family is going to live fine. There are plenty of families where two incomes come into the household and they struggle. So the idea that a man, even though on average make more than women, can justify a family not needing help is ridiculous. Welfare should be based around the family, not having more and more children with a financial payment for every kid you have. Now look what it breeds in the long run.

It breeds a few problems in society. Number one, it creates a lack of accountability on behalf of the man and woman. He says why should I contribute, the government will take care of her. And she goes, I don’t need him, the system will give me a check. And the children grow to see there is this quick route. A route that will eventually run out because in the long term the system cannot sustain welfare. Another problem from welfare is that people depend on the benevolence of an ever changing system. Meaning, Black people have spent more time in America without government assistance than with it. Why are we now operating as if a government cares when it has not used capital to build infrastructure so you won’t need their assistance?

Now, you might say, hey we need it. But do we really? The original Africans were brought to America as indentured servants in the 1610’s. Soon after came the Trans Atlantic Slave Trade. Large scale buying and selling of Black people like commodities, coming from Africa to the Americas. Tribes of people who didn’t speak the language of the person to the left or to the right of them. But we made the journey and survived the next few hundred years. We survived another nearly 100 years of Jim Crow South. Back to back to back drug epidemics, poor education with a lack of educational opportunities and rejection from institutions across the country, police brutality, poor access to healthcare facilities, lack of employment opportunities, and discrimination in housing. So to think that welfare, if stopped will be the death of us, is preposterous. We survived all of that, we can beat this as well.

In the end, the problem is the system, not the people. The system says we are helping, but there will come a time it will stop. And it won’t be gradual, but swift and immediate. Then generations will be left destitute from depending on a systematic policy that had no intentions on helping in the first place. We have to be willing to turn away now. Go through the initial bad days, but it will work itself out in the long run. Because sooner or later, the gravy train of checks for your tots will run its course. And if no progress has been made from a community to prepare ourselves, we’ll be worse off than prior generations of overt racial segregation and societal ostracism.