The page cannot be found. You may also like update how can I tell my coworkers their Halloween costumes are racist do I really have to wear a Halloween costume to work 4Week Business English Program,. Stop Eating Your Way Into Debt Eating out is among the of the top causes of personal debt. Most of us hunt for the best interest rates on our mortgages and we complain about the terrible price of gas the whole time we are pumping it. Interestingly enough though, I have yet to hear one person groan about the awful prices they had to pay for lunch today or tell how they were duped into having to pay such high prices at their favorite restaurant. I mean really, the government should step in and make all restaurants take steak off of their menus so I wont be tempted to order it. Economic Insentive Program' title='Economic Insentive Program' />Then there are those fast food places. They shouldnt be allowed to build so close to the road and make it so convenient for me to drive in there each day. They have a lot of nerve expecting me to be a responsible adult who knows what I can or cant afford and should or shouldnt do. Tut, tut. I had better behave or I will have to fire myself. HA HA But I do feel so much better for getting that off of my chest. Anyway where was I Oh, yes saving money and eating out. I know most of the excuses we use to justify eating out when it doesnt really fit in the budget I dont have time, Im too busy, I dont know how to cook, and last but not least, its so much easier to eat out. I totally understand. Week Conversation Culture Program. When my wife Michelle decided to stay home with our kids, I became the sole breadwinner for the family. Money was tight but we were getting by OK. Then on a. Start studying Economics. Learn vocabulary, terms, and more with flashcards, games, and other study tools. The United States is being overrun by a wave of antiscience, antiintellectual thinking. Has the most important, powerful nation on Earth lost its mind Eating out is one of the biggest causes of debt, but it can seem difficult to find a better option. Here are some ideas to help you spend less on food. A perverse incentive is an incentive that has an unintended and undesirable result which is contrary to the interests of the incentive makers. Perverse incentives are. TaxIncentivePolicy.jpg' alt='Economic Insentive Program' title='Economic Insentive Program' />I, too, dont have time to do things. I dont have time to take care of my yard, so I will hire a crew of gardeners to do it. I too dont have time to clean my house so I will have a housekeeper come in every day and do it for me. I dont know how to cook so I need a chef the best French one, of course and it is so much easier to hit my garage sales if I am chauffeur driven. Obviously my examples are tongue in cheek but, as ridiculous as that all sounds, that really is what a lot of us are doing. In the same way that I cant afford a gardener, housekeeper or chauffeur and I would be pretty foolish to go hire them, many of us cant afford to go out to eat but do it anyway. I dont think most people really realize how much they spend eating out each month and would be shocked to find that they could probably hire a housekeeper or a gardener for that same amount. Take one week and write down how much you spend eating out. That includes all those coffees, soft drinks, things from the vending machines and snacks you buy throughout the day. Be sure to write down the amount of anything that goes into you and your familys mouths for an average week. Im afraid you may be unpleasantly surprised. Multiply it by 4 to get a monthly estimate and I think you would be just plain shocked. Im beginning to wonder if another reason we eat out so much is that it has just become a habit. Like many bad habits, we get so comfortable with them that we dont want to change them. Even when we know that a habit is destructive to us physically, financially and even emotionally, we still do it. Some of us look down our noses at other people with bad habits like drug addicts and alcoholics and cant understand why they dont just kick their habits. Dont they see what they are doing to their familiesWhat is the difference between other peoples destructive habits and our repeatedly going out to eat and charging itWe know the food isnt as good for our families, we know we dont have the money to pay for it, and we know on bill paying day we will be so stressed that we will take it out on everyone around us. We so proudly display our bumper stickers that say Say no to drugs. Say no to debt, Im debt free. Please do not e mail me about drug addicts and alcoholics. If you do, you are missing the point of the article and are only making it more clear to me that you are probably one of the people not willing to own up to or face the real issue your debt. I know those words may sound harsh to some, but if you have seen and dealt with as many families as I have, whose homes have been or are being destroyed because of financial irresponsibility, you would understand why I cant always sugar coat things. We sink into a fog of apathy, hopelessness and discouragement and just give up trying. I really want you to understand you can fix your finances, but it will take a little bit of work and effort on your part. Dont just throw up your hands and give up. There is a story in the Bible John 5 that tells about a man who couldnt walk. He had laid by a healing pool for 3. If he could dip in the pool when the water stirred, he would be healed. Jesus asks him what he is doing there and he says Well, I just dont have anyone who will carry me and put me in the pool Poor little old me. Jesus then asks him, Do you really want to get healed This might seem to us a strange question but, as I once heard a woman speaker point out, if he really wanted to get healed wouldnt he have tried some way to inch his way over to that pool even if he could only make it a half an inch a day no matter how hard it was Maybe Jesus asked this question because He too thought here is a man, like so many do these days, making excuses, being a victim and waiting for someone else to fix his problem for him. What did Jesus tell him to do GET UP stand on your own two feet, TAKE UP YOUR BED start being responsible for your own things, and WALK become active in solving your own problems which may mean physical labor, or doing without some things. You need to be like the lame man and GET UP, TAKE UP YOUR BED and WALK. If you know you are going out to eat too much then stop saying youre a victim of these hard economic times. Be responsible for the bed or the debts that you have now and actively start doing something about it today. It isnt as hard as you think. I can take every excuse for eating out that I mentioned above and prove that theyre not really valid. Eugene Hecht Physics Pdf Textbook more. I dont have time. For the amount of time it takes you to drive to some place, wait for them to take your order and then wait for them to prepare your order, I can give you 1. Im too busy. If you are too busy to take time to feed your family, something that is a necessity of life, then you are too busy. I have very rarely heard anyone say that they are too busy to get their hair done, go shopping, go to sports activities, talk on the phone or spend time on the computer. You really can find the time. If I sound like I dont have patience with that excuse, its because I dont. I was a single mom with 2 teens, working 6. Except when I was ill, I always found time to make breakfast and dinner. I dont know how to cook. So learn. Start simple. Even my 9 year old grandson can boil himself a hot dog. You dont have to produce a gourmet meal to make your family happy and in most cases they would prefer you didnt. There are simple enough instructions on the back of a package of spaghetti noodles that, once again, even a child can read and follow. Warm up a jar of sauce and dinner is served. You now have two main dishes that take less than 1. I understand that man cant live on hot dogs alone although I think kids can, but dont worry after a week or two of simple dishes, you can move on to more complicated things like frozen French fries and frying hamburgers Plus if you really get stuck, I just happen to know of this really good cookbook called Dining on A Dime that can help you. Its so much easier. I guess that depends on your definition of easy. To me, going to a restaurant, sitting and listening to loud music for 3. Going to a drive thru is, at times, not much better. Lately it seems as if the line of cars wraps around the whole building at every fast food joint that I drive by. I was amazed to see every restaurants parking lot jam packed two days after Christmas. Must be that all those people who couldnt afford Christmas had gotten a windfall. Sorry, once again I digress. You may say The restaurant where I go isnt that bad.