Need a higher salary to pay your bills or reduce your expenses to match your salary

The American way is to ask for higher salary when you are drowning in bills - the normal way is to reduce spending and adapt your lifestyle to your finances. Many other countries and cultures have adapted the American way of life nowadays - hence the currently ongoing financial crisis on a more or less global level.

First you earn money and then you start spending your money! Spend equal of less than what you earn. Limit your entire spending to match your income at any given time!

For many this may of course be a highly unpleasant / uncozy life. Many are too lazy to really work hard or to work at all. Too easy is it to ask for another credit card and use the full limit of your allowed credit. What happens sooner or later is what you see these very days on the financial news on CNN and other news station. Sooner or later such sick spending habits combined with reduced working habits will cause the soap bubble of money to collapse. By the end you have a mountain of debts and empty accounts - even worst all your property is gone, because it never belonged to you but to your banks.

If your lifestyle is adapted to your salary and you feel that such life is no fun - then try a better job. Better by means of harder work, more qualified work, more working hours, more demanding work, more dangerous or more dirty work - until the salary matches your need for compfort and fun in your life.

The first step in any financial crises, when bills are higher than your bank account or income is to totally stop all spending, then review the necessity of each and every of your past expenses and limit all future expenses to the really needed bills until you have paid off all your debts.

Keep in mind that the purpose of all life and work is to learn to love. Spending more money than what you earn means absorbing more love from others than you give to others. Hence if your bills are higher than your income - it means you are stingy in love and / or greedy for love ... a most unpleasant condition for all others around you and most likely a reason for your partner to leave or divorce you. For a good reason!

If you love to enjoy life - then first of all create joy of life for others. Joy of life for others is created by creating, producing and offering services and goods of truly useful and helpful nature to others as part of your daily life.

Love and bliss

hans