Loaning Friends Money

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Loaning Friends Money, keep in mind the folowing rules if any of the below are true the answer is NO!

  1. You refuse to get a job — any job.
  2. You’ve got a million reasons why you can’t work a second job.
  3. You drive a 2012 Lexus when a 1997 Honda Civic will do.
  4. You insist on living somewhere with a high cost-of-living even though your income (or lack thereof) can’t support it.
  5. You fail to understand that debt is a mortgage on your future.
  6. Your priorities are all screwed up.
  7. You live in a larger home than you can reasonably afford.
  8. You refuse to raise additional cash by selling some of your “toys.”
  9. You prefer to blame others for your poor financial situation.
  10. You’re materialistic.
  11. You fail to comprehend the concept of value.
  12. You’ve got a closet full of $200 designer jeans.
  13. You own a $500 handbag.
  14. You wear $400 Louis Vuitton Millionaire sunglasses.
  15. You play the lottery on a regular basis.
  16. Your teenager drives a brand new car when a beater will do.
  17. You think money grows on trees.
  18. You insist that packing a brown bag lunch is waste of time.
  19. You recently completed an ambitious kitchen remodel even though it didn’t really need it.
  20. You own five dogs, three cats, a cockatoo and an anaconda.
  21. You refuse to quit smoking.
  22. You’re woefully disorganized.
  23. You can’t tell me exactly how much money you earn each month.
  24. You can’t explain — nor have any idea –  where your money goes every month.
  25. You refuse to save money by eating leftovers.
  26. You believe it’s all about living in the moment.
  27. You just got back from a 10-day Caribbean cruise.
  28. You have no concept of personal responsibility.
  29. You failed to maintain rainy day and emergency funds.
  30. You own an iPhone.
  31. You eat out too much.
  32. You’re still sending your child to private school.
  33. You’re a big believer in keeping up with the Joneses.
  34. You still have a gardener. (Never mind that his leaf blower wakes me up every Saturday morning.)
  35. You just bought another large screen high definition television.
  36. You seem to think that poor planning on your part constitutes an emergency on mine.
  37. Your spouse refuses to get a job.
  38. You don’t know the difference between a want and a need.
  39. You’ve shown no inclination to change your financially destructive behavior.
  40. You haven’t established a credible plan for digging yourself out of debt.

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