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 companies, 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 price . 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 businesses 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 know your goal and desires. They have so much data on you, the fight isnt even fair. Their ads contruct you feel great 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 walk in
the door. Sometimes you dont even absolutely need to walk in the door. They send you a check you may
deposit in your account and thus take out a loan with them with out ever seeing them. They turn
elegant funds into effortless debt; brain friendly until it comes instant to pay the bill. Even here you will not find
your greatest financial enemy.

How about identity thieves? They pilfer your financial understanding, 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 person you really 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 human who is careless with their financial experience or falls for the scams.

This is the man or woman who spends more that they contruct . This human refuses to save any
funds . It is this human 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 human who ruins all your dreams. It is also this person 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 instant to investigate all matters financial. You need to educate yourself
concerning funds , 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