If you want to get back to the way things were done in the past, you may find your finances looking stronger. Get rid of the online payday loans and plastic cards that only increase opportunities to spend beyond our means. Scary thought for many.

People have become so accustomed to having accessibility to the latest in technology, electronics, clothes and toys. Children of today see credit cards so often that they call them "money". My daughter loves to carry used hotel key cards in her purse as her own money. She even tried to use it at a store. The funny thing about this is that she can barely reach the counter, but knew how to slide the card through the credit machine. What kind of message am I teaching my children? I know I am not the only one who depends on plastic to make my purchases. I pay for my conveniences. Rather than having to stop at the bank or withdraw money at an ATM, I choose to use plastic. So what would my financial budget look like if I went back to ways things were done in the past?

Well, for starters, my plastic would be gone. I would need to be planning weekly visits to the bank in order to keep cash in my wallet. I would have my checkbook neatly planted in my purse and have to plan ahead in order to make on time payments. If I didn't have enough money in the bank, my shopping or bill payments would come to a sharp halt. Forget about online short-term loans, I would need to find a corner payday loan store to get a cash advance against my next paycheck, head to the pawn shop or have a garage sale. If I owned my own car, title loans are another fast money possibility. Without convenient plastic, people actually had to plan their purchases. What a magnificent idea!

Those who have bad or no credit and have limited credit opportunities due to poor management of piles of debt have similar choices for money help. A big difference between past and present is that people in the past had no other option based on lack of availability rather than destruction of opportunity. It seems like we live in a society which promotes transforming the have-nots into haves no matter the cost. It is convenient for a consuming society to rely on third party money to be opportunistic.

Bank account running low? Head out to get a payday loan in order to alleviate any need to cut costs. Apply for additional credit lines when others are used up. Keep on the same ole spending track and see where it heads or take some time and revamp your financial mindset. We don't need to have the fancy home across town or the lower end luxury vehicle to drive back and forth to work. Once we step out of the notion that we need the latest product or feel like we need to have what everyone else is having, we can start correcting our financial situations