Wednesday, March 11, 2009

Making Sacrifices During Hard Times

There comes a time in a person’s life when you sit down and have to make hard, tough decisions. I am at one of those points in my life right now. The economy is in the crapper and good paying jobs are just about impossible to get.

Layoffs are a common word in the daily headlines along with foreclosures, bankruptcy and bailouts. I am not getting any bailout money, I have been one of the many layoffs, I don’t need to worry about foreclosures because I don’t own a house and I refuse to file for bankruptcy.

It comes down to one simple fact though, when you have more money going out than coming in, you have to make hard decisions about your life.

There are three things a person needs and they are food, water and shelter. Having a car is not one of them. That is why I am seriously looking at cutting out transportation from my budget. Having car insurance and paying for gas are two things that I really don’t see as necessary.

Especially since I have a really good bicycle and live just 7.4 miles from where I am working now and I also live about a half a block from the grocery store.

Some people would call me crazy, I say crazy is spending money on stuff you don’t need. If I could, I would eliminate cable and drastically cut energy costs by not turning on the heat or air and getting some fans. However, having a roommate drastically effects that equation.

So I have to cut something and the most logical thing is insurance and gasoline.

Desperate times calls for desperate measures.

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