Commentaries for Sharon Hughes
Let's Talk Money

Well, while Tax Day is behind us...the Tax Burden we as taxpayers carry is not! 

While the government is failing to take real and effective measures that will fix the financial situation in our nation, and while candidates running for President are either flip-floping on their tax plans, or want to take more of our money, we can't afford to wait for the government to help us. So, we need to take measures to personally not only survive, but get ahead, no matter what happens, or who gets elected.

So much has already been written and said about how to pull us out of financial trouble, that I won't waste time recounting what's been said. But, I will say that I think the average American seems to understand the problem and solution better than those in government!

Ronald Reagan said, "The people aren't undertaxed. The government is overfed." And isn't that true! How many of us, when faced with a personal financial crisis, would handle it the way the government has handled the national crisis that we've not seen the end of?

At the risk of sounding too simplistic, would we, for instance, refinance our home in order to pay off debt and wait a year or two before using the money to do so? That's what the administration has done., not to mention 'cook the books' by printing more and more money. It's clear that we can't wait for the government to fix things. We've got to take action to protect our personal financial sitution now and for the future.

In addition to managing our investments, two practical things that all of us can do right now is to evaluate our actual expenditures, and our real needs, and then apply what I'll call the '25% rule' that author Cynthia Yates talks about in her books on money management.

Yates suggests that cutting spending by 25% is not only possible, but with a little discipline, doable.

For instance:

1) Simply Skip - ie instead of having that latte every morning on the way to work; skip it 1-2 times a week.

2) Mandate a Moratorium on Spending - in other words, buy only what you NEED.

3) Say No to Impulse - 50% of spending for the average person is based on impulse. Wait to purchase something, unless you really need it. Play a new game with your kids rather than buy them a new toy. (You'll be modeling for them not to live by impulse spending).

4) Use Things Up - be creative with the food you already have in your cabinet and freezer; don't give in to the ease of take out pizza, etc;  hold off on buying new clothes, wear what you have.

5) Don't Waste - ie gasoline by driving to the store for groceries once a week instead of every day. Eat/freeze leftovers; consciously think of items you throw away in terms of cost vs. just a spoiled head of broccoli or container of sour cream.

Taking 10-15 minutes to figure out your actual needed expenditures can help you gauge your spending and help you save.

You can do this. We need to take charge of our money now, before the government takes any more of it.

Margaret Thatcher said, "The problem with Socialism is that you eventually run out of other people's money." And if some of the candidates running for president actually get elected...they'll take more, for sure.

*We have outlined the candidates' tax plans in recent shows, (which you can listen to online in our archives), and will update on the two General election candidates this month.

Other Commentaries by Sharon Hughes

Worldviews Do Matter
Where Are The Entertainment Police?
Where Is The (Real) Hope?
Is The Federal Reserve A Secret Society?
Stupor Tuesday & March Madness
Disappointment After Planned Parenthood Was Been Exposed
Take Your Place In The Public Square, Please!
The 'Silent Shame' Many Women Face
Why Worldviews Matter
Jews Speak Up For Christmas!
Confessions Of A Reluctant Prepper
Remembering The John Kerry Of A Few Years Back
Time To Rise Up & Take A Stand!
The Difference Between Socialism & Communism
The "Evolving" Gay Marriage Debate
Could You Have Passed The 8th Grade In 1895?
Al Gore Promoter Of Doomsday Cult?
What Does It Mean To Love Your Country?
Tears Of A Grateful Nation
The Unthinkable Is Never A Solution
Unbelievable Population Control Quotes By The 'Elite'
Climategate & Copenhagen
What's In The Healthcare Bill?
Envision All Women Free!
Money Management Not Madness!
How To Survive The Insanity
Where Is The Hope?
Bill Maher Still Ranting On Religion And Politics
A Thanksgiving Legacy
The Assault On Sarah Palin Continues
Make Veterans Day Memorable
Not Your Father's Democrat
Ahmadinejad 'Honored' By Religious Coalition In Ny This Week
Al Gore Evoking The Wrath Of God To Validate His Claims
Sf Mayor Ecstatic Over Gay Marriage
Obama's "Typical White Person" Ought Oh!
Barack Obama's Very Controversial Pastor
What's With All The Candidate 'Faith Talk'?
Gays Mock Jesus & The Last Supper
Throw Away Babies
Al Gore Lobbying For The Nobel Peace Prize
Why Roe Vs. Wade Is Losing Ground
Responses To ‘ahmadinejad’s Letter’
Ahmadinejad’s Letter To America
Raising Pagan Children, Scary
'Five Pillars Of Islam’ Vs. The Pope In Schools
True Colors Of Bigotry Busting Out All Over The Place!
9/11 Truth
Fashionable Burkas?
War In Iraq Who Is Telling The Truth?
Anti Semitism On The Rise In Europe. Scary!
Preschool For All Initiative, What 'Meathead's' Not Telling You
Terrorism & Our Canadian Border
Teachers Debate Teaching Creationism
Left Wing Gives Ammo To Conservatives
Carter's At It Again
Gay Marriage Where Do Teachers Stand?
A Hamas Win Bad For Israel
Jews Speak Up For Christmas
New York Times Accepts The Unacceptable
Court Gone Mad! 9th Circuit Court Rules Against Parents
Red Alert On Codepink!
Media Fails To Report On Anti War Group's 'Letter From God'
What The Blinkity Blink Is Going On With The Liberal Msm?
Anti Military, Recruitment & Our Youth
Katrina Blows Sheehan, Gay Marriage Off The Screen
Real Racism, Katrina And More...
Yesterday Japan's Surrender. Today Jews Being Forced To...
Ny Times Only Tells Half The Story On Sheehan's Statements
Living Pluralistically?
Adult Vs. Embryonic Stem Cell Researh
Is This The End Of The Eu?
A New Face For Gay Pride
Absentee Dads A National Crisis?
The Effects Of Evolution's Racist Roots On Students
Memorial Day
From Sci Fi To Sci Fact
To Spit Or Not To Spit, On Jane Fonda That Is The Question
Brave New World Re Visited?
These Are The Times (And Tough Questions) That Try Men's Souls
A Look Back
The Unanswered Questions Of Stem Cell Research
Gore Criticizes Bush's Faith
Compulsory Mental Health Screening Is Coming
Truth, Truth, Where Art Thou?
Stem Cell Wars & The Presidency
Traditional Marriage Wins In California
America Looks At The Wives
The John John Ticket Richest In History
Cloning Cats Schwarzenegger's 'Sixth Day' Has Arrived
'Memorial Day A Time To Remember
'Day Of Silence' Just A Foot In The Door
Anti American Professors
Crooked And Straight Cops
When Idols Fall
Bias Crimes
Information Warfare!
The Battle Over The "C" Word
A Personal Note On The President's Trip To Baghdad
The Pc (Political Correctness) Police
Immigration And The Law

All Commentaries
Author Bio

Sharon  Hughes is President of The Center for Changing Worldviews, and veteran radio talk show host of Changing Worldviews Talk radio, formerly eminating out of the San Francisco Bay Area, now from the Sierra-Nevada foothills of No. California. Aired on stations across the country, and around the world on the web, she has also appeared on FOX News and other national radio programs.
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