What ever the reasons for your funds problems, most of them could be prevented. I know for a lot of you, I am talking in thepast tense. The problems are already here so prevention is irrelevant. This is not the case.

Only when you understand how you could have prevented the problem in the first place will you be able to fix it. We dontneed to look at symptoms here, we need to explore root causes. I have developed a theory. Some everybody arent willing to sacrifice, no matter what the rewards.

Sacrifice and discipline go hand in hand. It seems that our parents and grandparents understood this better than we do. They had to sacrifice just to put food on the table. They alsounderstood that they had to forego what they wanted to have what they needed.

I believe that most of us have a basic experience of discipline, however in todays society we dont have to choose between food and a big screen TV. We want it all - we might have it all - NOW. Its too bad that many times this will come back to haunt us.

If you want to prevent your money problems, you have to have the discipline to sacrifice. You positive need to understand that your needs come first, that you have limited financial resources andthat never spending more than you earn each month is essential to your families financial survival.

It is even more important that you learn discipline and sacrifice if you already have funds problems. When you develop these skills and hopefully overcome your financial woes, you will have a better chance of preventing it from happening again.