throwing up roadbloaks

[Smallsteps]

I am in a comfortable time in my finances and have tried to help others and I am often confused as to why people put up so many roadblocks up to trying different suggestions / ideas to dealing with personal finance.
there always seems to be reluctance to change any items or ways of doing anything.
I have a friend in pretty sad financial shape but she is all bobble head doll when she asks for ideas or suggestions she nods as if in agreement but NEVER sets any changes into practice.
I am looking at my own situation trying to access if I too do this. I am paying off some debt across the board as opposed to using a snowball method or whatever other clever names so called experts use.
While I am totally on board with the MATH that shows that focusing on highest APR saves the most etc I like the steady decline of all accounts in my across the board method. I recently have seen a few bloggers or articles that suggest if it is comfortable and you can see progress is all that matters but I am wondering if I too am not embracing small changes that may speed things along.

[disneysteve]

One well-known financial "guru" Dave Ramsey is fond of saying that personal finance is 90% behavior and 10% math. I think there's a lot of truth to that. You need to find a system that makes sense to you and works for you and that you will stick with over time.

Does paying down all of your debts at once get the best result? No. It would be quicker and cheaper to pay highest to lowest interest rate. That's not opinion. It's mathematical fact that is quite easy to prove. But, if that's not a plan that would keep you motivated and compliant, it might not be the best method for you, even if that means you're in debt a bit longer and you pay a bit more in interest. Just understand that that's what you're doing.

[97guns]

Some people are hard wired to plan and not put into action, just like any other habits we form but this one hurts the pocketbook and will impact your life

[rennigade]

OP you'll learn to stop giving advice. Its a waste of time.

[Thrif-t]

Yep Rennigade is right!

I had a co-worker ask me about getting out of debt. She has a high credit card balance but didn't tell me the amount. I threw out some suggestion; said you either have to cut spending or make more $$, that's really all there is to it. But yet everything I suggested she cut like her cable or cell phone, she had an excuse why she couldn't.

Well, I guess you need to make more money then.

[Smallsteps]

It is true you cannot help those who do not want to do the work or sacrifice anything. They must just enjoy the "poor me" stance.
I had not fallen for it in a long time and the " actress" got to me and made me believe she was serious. I see it everyday but still fell for it. Thinking if I could help just one person but the harder I tried the more she had reasons why it would not work.
I am concerned that the amount of people who are like my co-worker far outnumber those of us being fiscally responsible.
I guess I am mad at myself for falling for it. I did look at myself and although I do not put up the roadblocks I spoke of I do procrastinate. I guess it will be a good moment to see my progress better.

[~bs]

people prefer to stick their heads in the sand rather than confront an issue until the issue blows up, and they're forced to deal with it. They do this for more than just financial problems.

Try to limit unsolicited financial advice, as it's more likely to backfire with them resenting and blaming YOU rather than realizing the help you're trying to provide.

[Outdoorsygal]

When I joined this forum, I couldn't understand why so many were contributing to their 401k's which I viewed as "gambling".

If I recall correctly, I may have discouraged such due to believing the 7 yr tribulation may occur in the near future

Since then, my employer offered me a 401k traditional and ROTH 401k with 4% matching

I contribute about 91% of that paycheck toward a 401K

Funds are with- Vanguard 500 Index Fund Adm & Vanguard Inflation protected Securities Admin.

I am totally comfortable with it.

Don't assume people have their own set thoughts on ANY subject when it comes to saving $$, including Tithing which is Old Testament law.

Tithing is for the OT isrealites ONLY- Also pharisees and Abraham. But it has NOTHING to do with us TODAY in the New Testament (new covenant) we live in today

We are to be "Cheerful Givers" that's it.

You will never see anyone except those who are "mooching off the sheep" promoting such dribble.Let people to learn the truth. It's only fair

Never "assume" no one will listen or hear you. Speak your mind upon EVERY aspect of saving money no matter how many people didn't listen to you in past

Again....It's only fair to everyone who visits here.

JMHO of course