Your life-values may have a lasting effect on your finances.  Think about it.  Have you ever wondered why you make the financial decisions that you make?  Have you given any thought as to why you choose to shop or dine out when your bills are past due?  Or perhaps spend more money on cars, homes and clothes, but your child’s education fund is in-existent?

There is a rhyme to the reason for the decisions that you make; it doesn’t matter what tax bracket you are in.  Your decision-making practices could negatively or positively influence your finances.  If you are not getting the desired results; stop and think.  Ask yourself, what can I do to change the outcome of my circumstances?  The most important step to take before paying off debt, rebuilding your credit or cutting expenses is to determined why you operate the way that you do in your finances.  Start by identifying what is most important to you and why.

You will be surprised to find out how you rate on your decision-making.  Be brutally honest with yourself and take the life-values quiz at

What are your thoughts?  Please feel free to leave a comment or e-mail me at