I counsel a lot of people on debt and budgets.   The most common phrase I hear is that no matter what they try, they just can’t seem to get out of debt or stay within a budget.  However, when you actually sit down and look at the nuts and bolts of what they are doing, it is often some very simple changes that can make a world of difference.

As a simple example, let’s say they are eating out three times a week.  Cutting out just one of those outings per week can save a lot of money over a year.  It isn’t that radically changing everything is necessary,  it is simply cutting back on what you are spending and making better choices.  You never focus on what you can’t do, you focus on what you can.  If you focus on the debt, you may just throw up your hands in despair and say, I’ll never pay it off.  In the alternative, if you simply focus on something positive like paying a little more each month, it is amazing how quickly the problem can resolve itself.

This is the problem with our government today.   Everyone seems to despair over trillions in deficits and the problem seems so large that nobody wants to tackle it.  They even say things like.. well, cutting that only saves a couple million and we have  a trillion dollar deficit so what’s the point?    That is exactly the point.
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If they would stop focusing on what they can’t do and simply do the things they can, just like with your own household budget, the problem would resolve itself.   Trust me when I tell you that there is plenty of waste in the government and a million here and a million  there eventually adds up to real money.