Boise Idaho: If you don’t eat yer meat, you can’t have any pudding?

“How can you have any pudding if you don’t eat yer’ meat?” (Pink Floyd).   It seems, these days, most people don’t want to eat their meat and just go straight for the pudding.  Everybody wants a “short cut” and nobody is willing to put in the time and sacrifice.  From dieting to spending habits, quick fixes are not the answer.

We continue to eat anything and everything, and at the end of the day, take a “pill” and do it all over again tomorrow.  This strategy will never work in the long run.  The only weight loss solution is to EAT LESS FOOD.  This is much too simple for some and they think that their situations are “different” and their problems are much more complex; hence the reason for the “Magic Pill” or gimmick.   True weight loss is a change of lifestyle (sacrifice).  Most refuse to make the change and will continue to go down the same destructive path—year in and year out.

Spending habits are another aspect of people’s lives that can be very destructive and can even lead to divorce.

Once again, it all comes down to lifestyle and doing without. (once in a while won’t kill you).

I recently checked a person’s credit report and there were collection accounts for jewelry stores, flower shops and electronics.  That person has no business making these types of purchases. However, it is often justified by using the “I’m entitled to” or “I’ll worry about paying if off later” defense.   If all else fails, some use the “why not file for bankruptcy” reasoning. Most of the purchases people make are unnecessary junk that make them “feel good” for about 10 or 15 minutes.   What will it take for people to stop this insanity?

When it comes to mortgages, how many homeowners took tens of thousands of dollars of equity out of their homes with a cash-out refinance,  spent it on more “junk,” and are now singing the “I can’t make my payment” blues.   Once again, it all comes back to a change of lifestyle.  If a person doesn’t know how to budget, save and eat less food, then how can they possibly teach their children and future generations?

Something’s gota give.

Guild Mortgage – Boise Home loans – Craig Ballhagen                      208-713-3309

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis