Finances: Do you own them? Do they own you?

Learn to manage money before it manages you.  Quoting ONE FOR THE MONEY: Guide to Family Finance by Elder Marvin J. Ashton, " Financial peace of mind is not determined by how much we make, but how much we spend.  We live in a self-indulgent, me oriented, materialistic society.  It is said, self-discipline and self-restraint in money matters is more important than courses in accounting."  The key to financial peace is to budget.  Yes, a budget.  Know what you have, where you spend it, and how much you have 'left over'.  Track your spending; you might be surprised where it is going.  BE cautious in expenditures and follow the admonition.....Use it up.  Wear it out. Make it do, or...Do without.