If you had to choose the greatest enemy of your financial security, where would you look? In the
lineup as you look them over who would you choose? There are so many that qualify. Banks,
credit card businesses , persuasive advertisers, finance businesses , and identity thieves, would all be in the running.

Banks because, while you are their customer, they do not have your best interests at heart. They hit you with all sorts of fees and charges for services which used to be provided free of cost. They
constantly bombard you with offers to go further into debt. Car loans, home equity loans and
other lines of credit are pitched in every statement you receive. But, they are not your worst financial enemy.

Credit card companies love to add charges for many different errors on your part (and sometimes
theirs). Late fees, over-limit fees, yearly fees, and returned check fees are just a few. They hike your interest rate if you looked cross-eyed on a Tuesday, or miss a payment (not just with them, but any creditor). Still, they are not your greatest financial enemy.

Persuasive advertisers love to get you to buy, buy, and buy. They have you pegged as far as your habits. They understand your target and desires. They have so much information on you, the fight isnt even fair. Their ads make you feel grand and pull all the triggers. Yet, they are not your greatest financial enemy.

Finance businesses who charge rates that reach to the moon do you no favors when you stroll in
the door. Sometimes you do not even positive need to walk in the door. They send you a check you might
deposit in your account and thus take out a loan with them with out ever seeing them. They turn
effortless funds into user friendly debt; user friendly until it comes measure to pay the bill. Even here you will not find
your greatest financial enemy.

How about identity thieves? They pilfer your financial information, and run wild with the accounts they set up. They rummage through your trash, set up scams, and flat out steal your info. They definitely qualify as real lowlifes. Never the less, they arent your greatest financial enemy either.

So how do you find your greatest financial enemy? You go look in the mirror. This is the human you really absolutely need to watch. This is who gives into all of the credit offers in the mailbox. This person watches the television and reads the magazines; then responds to the ads that are displayed. It is this identical person who is careless with their financial data or falls for the scams.

This is the man or woman who spends more that they contruct . This person refuses to save any
money. It is this person who doesnt invest for the future. This is also the person who doesnt
educate themselves in matters of funds . This is your greatest financial enemy.

It is this person who ruins all your dreams. It is also this human over who you have the most
control. Do not look anywhere else for the cause of your financial problems. You are in charge
and you are accountable.

You positive need to take the measure to investigate all matters financial. You need to educate yourself
concerning money, credit, debt and its uses. You are the one who needs to curb your spending.
You are the one who needs to establish a plan for your savings and in turn your future. Your
greatest enemy is in the mirror, and so is your greatest help and friend. Depending on who or
what you see determines what you positive need to change or what you positive need to keep doing.

(c)2005 David Wilding