Sex and Money

People drive me nuts with their lack of financial knowledge. What is it about people thinking

that because they want something they are entitled or deserve to have it. This drives me crazy. Does anyone know what a budget is? Ok this is where you figure out how much you make minus how much you need to save equals what you can spend on your bills. If you use a credit card, make sure you pay it in full each month. If you have a large balance pay it off!!!

Next make sure you have at least 8 months emergency money saved up. That's the amount you spend each month times 8. This is incase you are injured, or fired or have an emergency. After that is all taken care of you need to start investing for retirement and college. It needs to be about 10 percent of your income starting at age 30. If you just started saving and you are 38 then you are 8 years behind. This means you can't have a latte at starbucks, you can't buy that cute little thing at Target for 1$. It means you only need to buy it if you absolutely need it. There is a difference between Needs and Wants. A need is something you can't live without...food, clothes and shelter (and the cheapest ones at that) in Florida you do need airconditioning. But you do not need to eat out...ever! And if you were having an emergency and you absolutely had to, you should buy from the 1$ menu and drink a cup of water. This means that you should be shopping for food for Walmart because you can't afford Sweet Bay, Publix and Kroger. And while you are there, check out the clothes on clearance. And if the shirts are not 2$ then you need to head on over to the Salvation Army. You need to have a budget and you need to stick to it. Now so far this has nothing to do with sex. But if you have a good solid financial foundation, you will have less stress in your marriage. Which can lead to sex. And I only put that word in here so you people who are bad with money would read this!!!