ConsumerAffairs

I have tried to compate the individual  achievements from early age, to school level,individual achievements,country development   gave me the stark differences.What I have  uncovered  that the actual the developmental growth  starts  from 0 to 5 years. At 0 age if the  mother is abused  emotionally  and physically  the baby will have  some defects  physically  or mentality. To simplify  what I mean is, a person who grew under love ,care with  or without money is likely to succeed in life whether he/she grew in single or both or adopted parents. At the same time a child who grew hard no Love,that child will  struggle  in Life and perhaps if he/she works very hard that  child may achieve late his/her dreams. Since  this blog is under Economics or our economic behaviout especially  to the individually  answers the question why some are struggling and others  are cruising...

There are  3 possible responses. Yes I do. Yes but I fail. No I spend limitless. There  are crtain factors which  you must not ignore. 1.Your Income. 2.Your Partner's Income. 3.The Extra Income. What do you do when 1.Your expenditure  surpasses  your income. 2.You keep on borrowing. 3.You keep on lending. 4.You become generous with  your money. What  are your priorities  when you get money? 1.What do you think are the  immediate  financial needs? 2.When  do you pay  your debts? Do you grade your  debts? Municipal Amenities,Electricity 3.What are "other debts like  Credit Cash  Cards? Most important: 1.You must be able to live  with your money.2.At least 10% amount must remain until at the  end of the month

The Buying  Power has declined.Not that People don't  have money, but  they fear about the  Future.The cost of the Living keeps on rising. Their income  does not match the day to day. At the  same time there are NEEDS and WANTS.Sometimes we  need to make cuts our NEEDS.Not all our NEEDS can become a priority. These can be scaled down: Food: Vegetables & Fruit less meat. Transport: Use Public Transport  or Cluster Transport. Amenities: Water conservation  The  above NEEDS cannot be totally cut.You can  adjust  for instance  when packing cheese,eggs,butter in a sanguage could be eggs alternating with  cheese. That will  cover a certain  number of days. WANTS should be highly scaled down.You have 3 parts of shoes.Why do you want to buy a pair of shoes  monthly? I know  the  influence  may  come from your friends  or from certain  quarters  or like to be in competition...

Str you Prepared to face the Black Friday or will  you be swept  by Black Friday? Everybody  is talking about  Black Friday.  Who benefits from Black Friday? 1.Business Community  2.Government (Taxman) 3.Consumers  1.Business  Community  There  are two types of Business  People. There are those who budgeted  from their Savings and wanted to clear up their  warehouses while there are those  who  make  above  extremely 10% profits in order to recover the past losses  and go as  extra mile as possible.They are Law to themselves. 2.Government  More Consumers  and Business  subscribe to the  Laws of the Government.We are told that the Government  is got many  responsibilities  which  exceed the fiscal. I don't  believe  that.Where is the "corrupted" Savings which is coated as Emergy Funds in other  countries  they call  it  spade...