The Motley Rut

Music, art, personal finance and the movement in and out of ruts

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The First Step: the budget

Finance planning has become a thing of the past for many youths. It's a dying art. It is easily the greatest stress and most common rut of young adults. Responsibility and control are essential in escaping and avoiding this rut. In Brief: The first step is to end the cycle of poor spending habits. (A good 'Rule of Thumb' is that if  its not worth purchasing the good with your cash then you better reevaluate.) The next step is to reduce your 'fixed' expenses. And the final step is to make more money. Creating a working budget is key. It will help identify the causes of our financial weak areas; these may be obvious and subtle. For starters concentrate on the obvious. Poor budgeting of income and living beyond your means is the easiest way to fall into a deep rut, financially and perhaps in other fundamental ways as well. I would like to emphasize the importance of knowing where your money is going. If you don't track and understand where your money is going then ...
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Mission Statement:

The mission statement of  The Motley Rut  is, so to speak, encased in the concept that we face periodic stagnancy, or ruts, in various aspects our life that we inevitably have to deal with.  Our goal is to highlight and  develop  the simple and sometimes complex solutions that will allow you to conquer your rut and delve into the "next step". Areas of concentration are to include priority management, debt elimination, the job search, increasing happiness, increasing wealth, beating stagnancy (at the work place/home), health and fitness, self sustenance and improving relationships. This concentration may at first appear broad and without meaningful focus, but I assure you that they are all intrinsically connected. Our aim is to eliminate the "cycle of ruts" that we encounter through practical and detailed measures.
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Great links

I'd like to share a few great articles and post that I linked to my Twitter page. The content is great and worth your review. interview tips:  http://bit.ly/3UUqX great 'get hired' type article:  http://bit.ly/6jBZr *travel! awesome post:  http://bit.ly/ilS0j how to nail an interview:  http://www.howtonailaninter... negotiate your salary:  http://bit.ly/xciP0 top credit cards:  http://tinyurl.com/dd8sy8 dave ramsey thingi:  http://tinyurl.com/y44jg8 direct investmnts:  http://www.getrichslowly.or... a blog w great vacation deal links:  http://tinyurl.com/cd6shz smpl "60 sec gde to prfct crdt":  http://tinyurl.com/co862a Gen Y on the job hunt:  http://tinyurl.com/dcn59o I found all these links interesting and useful; hope you do too
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