Many years ago when I was determining for myself the value of MLM, I came across and never forgot the teaching of GOOD ... Get Out Of Debt.
It has served me and my family relatively well.
My 'obligations' are simply taxes, electric, phone/internet.
Of course there is food, gasoline, insurance etc.
Otherwize, i'm good
Yep, us too. I realized shortly after grad school (and six years of living on the cheap) that it really doesn't cost that much to live if you don't bury yourself in unnecessary debt. At that point in the late 1980's I set out to pay off everything and never return to being in debt beyond ordinary monthly stuff. We grow most of what we eat now, too.
Life is a series of choices. The overwhelming majority of people who find themselves in dire straits are where they are because of poor choices that they've made.
A lot of people on welfare live “better” than I do but I have no desire to live on welfare to be able to have an Ipod. I also have no desire to have a caseworker telling me how to spend my money.
If my taxes were cut by 50% I would feel like I’d won the lottery.