One of the biggest causes of financial stress is when you have too many concepts demanding your attention. You need to save for retirement. You need to save for emergencies. You need to save for college.
Credit cards demand their payments, plus interest. You have rent or a mortgage. You might have student loans, a car payment - and let’s not forget the price of luxury utilities like cable television and a cell phone.
Expenses, commitments and desires all battle for your attention and it’s enough to make you throw your hands in the air and go shopping. To gain control over your finances the first step is to identify and establish your priorities.
