You would not believe how many times I have heard that over the years from rich people and poor people. Some are just telling a big tail, but most are being honest. The problem is: whose fault is it you do not have any money to invest? Look in the mirror. Just think of all the money you wasted last year or for the last ten years or more on stuff that just did not make a difference in your life. I am not saying "don't go out and have a good time", because this is not a dress rehearsal. When you are dead you are dead. It does not matter how much you have when you die, it matters that you do have money to get there. What I am saying is: if you do not put some money away every time you get paid, you will never be able to do the things you need to do when you need to do them. Car repair, home emergency, health emergency, a friend in need, vacation etc. Let's get on the bandwagon for 2010. Start saving even a little bit and understand what ever you do save is more than you had before you started.
With interest rates where they are right now (near zero on most savings accounts) you can put the money in a coffee can and not be losing anything. After you build some savings then go to a credit union and join up.
Make it your vow, "I am going to be worth more next year then I am right now."
Now what are you waiting for, go empty the couch, the car, your drawers of all the coins that have taken rest there and take them to the bank and get some folding money for your coffee can. See you feel better already.
Happy New Year
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