Prosperity: The Choice Is Yours
December 20, 2003
Thought you might enjoy today's article, it's fun to read,
and it says a lot about how you and I can better keep
money in our pockets.
Most of us make decent money, but keeping it is a different
thing altogether. If you're like me, you see something,
you want it and impulse buying gets it to you, but seems
like it ends up on the shelf collecting dust or is in next
years garage sale.
So hope you'll get a laugh here and enjoy.
Also, did you check out our Tribute to Santa Claus site yet?
It's a really good site for the family to go visit and have
fun with. We spent over 3 weeks building this site for you guys
to enjoy some fun time online, and give you a
site that wasn't full of commercialism and "in your face"
10 Reasons Santa's Broke This Year
By: Darlene Arechederra
1. Santa Spends More Than He Makes
Santa's paychecks are nothing to sneeze at, but he stays
focused on his next raise. (Yes, of course Santa gets
a raise each year!) He has no idea what it costs him to
live the Santa life. He doesn't track his earnings nor his
spending. Santa's got to provide for his reindeer, his
horse and his North Pole home - just like the rest of us.
2. Santa Has No Emergency Account
Santa's transportation tends to break down right in the
middle of major blizzards. Only last week, he had to whip out his
credit card to pay for sleigh-towing. When Santa finally made
it to the repair shop, he again had pay for the sleigh repair
with credit. Just last year, he nearly had frost bite after
his brand new sleigh had broken down.
3. Santa Lives Paycheck to Paycheck
Santa cashes his paycheck at the North Pole Bank, but most
of the money gets spent before it makes its way to his checkbook.
If it makes it there, most of the money is already owed to the
credit card company. Santa has no other money set aside.
4. Santa Doesn't Enjoy Balancing His Checkbook
Santa forgets to balance the checkbook. He spends money, but
is never sure what he has available to spend. Santa doesn't know
how to build in some fun to help him enjoy working in his checkbook.
5. Santa Spends His Raises and Bonuses
Santa got a nice raise back in January, following his Bonus
check in December (bonus based on number of chimneys
completed for the year). He thought he'd have plenty of money
this year. But Santa likes nice, updated equipment at all times.
He bought brand new gear for all his reindeer, even though last
year's would have done the job.
6. Santa Eats Most of His Meals Out
Since Santa's job requires that he spend a large amount of
time traveling, Santa tends to eat out way too much. He also has
to feed his reindeer each time he sits down to eat. The tips
alone are enough to keep him in the poorhouse.
7. Santa Lives on the Edge
Santa keeps himself so busy that he can't sit down and plan
his life. He hasn't set up a plan to build extra money into his
checkbook, nor has he made a decision to actually save any of his
money. Even setting up automatic deposit would be
helpful. Another emergency could wipe him out. (No more Santa?)
8. Santa is Not Preparing for the Future
Santa, jolly fellow that he is, has no money set aside to work
for him. He may end up working until his hair is much whiter
(or gone). It's pretty much a given that Santa will need to
replace that sleigh and maybe even some of the reindeer over
the years. Because most of his money now goes to pay off
credit cards, Santa just can't picture tucking away any money.
9. Santa Spends Too Much on R & R
Even Santa needs a little rest and relaxation after all that
hard work. If he runs out of cash, he charges it. (No, I promised
not to tell what Santa does for R & R. He does know who's
been naughty or nice ...)
10. Santa Can't Stay Motivated
Santa gives himself a good lecture from time to time. He
knows he should be doing better, but he just can't get any traction.
Saving his money seems like an overwhelming obstacle. Santa
hasn't discovered there are tricks out there to make
saving money a fun thing, something he can look forward to doing.
Darlene Arechederra offers simple, unique strategies to help
you become a saver. She believes the trick is to discover which
ideas work best for you -- because your money is not one-size-
fits-all. Discover your *own* unique strategy today!
Free weekly newsletter. http://www.RatRaceRemedies.com
What's It Really All About
The best you can imagine
You are the child who danced in the sunshine.
You are the young person who dreamed of
changing the world. You always have been
who you are. Yet now you're even better,
for you have the benefit of experience.
Life will have its ups and downs, but those
circumstances do not define the value of who
you are. What truly matters is what you decide
to make of whatever you have.
Things may not always work out like you planned.
Yet the joy, the love, the hope, the wonders you
experience will stay with you. The pleasures and
the pains will come and go. Fortune will sometimes
smile on you and at other times it will seem that
nothing is going your way.
Through it all, the possibilities open to you will
continue to expand. And you can always choose
to follow the best you can imagine.
-- Ralph Marston
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