My friend has several credit card, he still paying for his houses and cars, and always complaining how he didn’t enjoy his monthly salary because his money always goes to pay his/her debt. Looks like he need some credit repair. There’s so much way to improve your credit. It’s necessary to do that because it will save you a lot of money, time, and of course a peace of mind.

Every time my friend receive his monthly credit card bill, he always wondered about his expense written there, and sometimes he called the issued bank to do credit dispute. Mostly failed, and he have to pay what’s written there.

My other friend has just been rejected his loan application by some bank for his new business. It’s a similar stories everywhere. It seems that people that can have their application approved is the one that didn’t really need a loan. But, not to worry. There’s also a lot of way to improve credit score.

You can’t take it with you, Mr. Kirby. So what good is it? As near as I can see, the only thing you can take with you is the love of your friends (Granpa Martin Vanderhoff)

How many times that we’ve ever heard this sentence or similar like it,

• Well, you shouldn’t take that vacation. It’s wasting money, you can save it for a new dryer
• Gosh, i wish you bought it on that store on 95th street. It’s cheaper there.
• What good is a dancing lesson? No dancer is ever rich dancing!

People saving money to buy stuff, but rarely to feel or experience something. Yes, washer and dryer is important and so too is refrigerator, but you can’t watch a beautiful sunset in front of refrigerator, right? Yes, you must save money for the rainy day, but what about some saving to enjoy the sunny day?

We’ve overworked and saving every penny in the bank and never get a chance to enjoy it. We promised to enjoy it when we retired, but why can’t we just create some mini pension first to smell the flowers?

Maybe next time when we buy things that make your life easier rather than spend it on some experience (it could be various experience, like vacation, or learning a new skill, or get a very good message) just think about this sentence, You can’t take it with You.