After reading this article

Should Income Be “Disposable?”

which I totally agree with, I don’t view any of my pension as Disposable Income at all! I doubt if I do have a Disposable Income. If there is any Disposable Income then I should putting it aside for my next project or holiday or funeral saving account which I sure that I will need at some point as I don’t wish to add one to my list of bills at my age. There are a lot of advertising for them here. But I don’t wish the pay then find I can’t afford it next year when they raise the price because of your age, I would paying heap any way. You lose any money put in it if you leave at any time so I think they are a money pit for insurance companies, I am better to save allow the family to get the some money at the end of it. So I think I will open an online account and add $25.00 per month to that fund plus any Disposable Income that I can.

Do you feel sometimes that advertising is out to get you and your Disposable Income, that they want your money at any cost and you made to feel that you are doing without or letting them down if you don’t spend whether it’s the company or local businesses or your state or country. You should not be saving but spending any money including your bill money on what they are selling at the time. Well I don’t buy that line at all these days.

Charities are a case in point here; I get heaps of mail asking for help with lots of freebie in them. If they need to send you these freebies to get you to send them money why do they have paid the advertising company for that deal? I have heard that these advertising companies get a large proportion of monies sent in the first year.

I do give the charities please don’t think I don’t but I never give to any who send freebies in the mail. What makes me mad is there is no address to send direct to the charities in question.

The Freebies they are sending, name and address tags, large blank gift cards and small gift tags, stationery and pens, just small stuff along a giving plan which I can’t afford ever. When you get that every week from different charities it does mount up to the point that I will never have to buy name and address tags again at this address.

So much for Disposable Income that I don’t have to give away any time soon! Even the ones I do give to send me requests for more money but I have a Christmas donation time slot that give and that it.

Strategy - Don’t spend your forward bill money on trivia, it’s been put aside for a purpose and keeps you stress free.

Strategy – Don’t believe all the advertising you see on TV or in the mail you didn’t know you wanted it 15 minutes before you saw that advertisement.