Personal Finance Advice for Idiots like Me

If you listen to Suze Orman or Dave Ramsey you have probably had a moment when you kicked yourself in the pants for the financial shape that your life is in. Frustrating and depressing, looking at the amount of money you need and the amount of money you make can send just about anyone over the edge into the state of financial coma. With bill collectors calling every day all day and you living in fear of your car being repossessed or your home being foreclosed on, the time has finally come for a simple method for anyone to remove themselves from the grips of financial ruin.

While Suze Orman and Dave Ramsey are absolutely geniuses at what they do. I hate admitting to myself that I am Young, Fabulous & Broke. That is hard for anyone that has even a morsel of pride as I admittedly do. It is equally challenging for me that I am in need of Financial Peace. As if my life's chaos is driven solely by my inability to balance my checkbook or pay even the minimum balances on my nine credit cards. You know my story.

At the age of eighteen I was free of debt, without a credit card to my name. I got my first one as a college freshman and used it to pay for some electronics for my dorm room. Then I got my second one to pay for my spring break vacation. Then I got my third one because I needed a cushion to pay bill balances on my first two. Then I missed a payment and it was downhill from there. The road to financial ruin is filled with missteps that begin with one untimely crisis that opens the door for the spiral to begin. As opposed to telling you some pie in the sky dream about everything coming together, a more realistic approach to money matters is necessary.