Words of Wisdom Breaking the Cycle of Financial Disparity Living Paycheck to Paycheck - The issues that you have with your money may be the result of your inability to effectively manage your resources. Effective money management can be achieved by developing a spiritual and psychological relationship with your money. Rid yourself of all negative financial conceptions. Develop a positive relationship with your money. Your money is just a "tool." Control your money, do not allow your money to control you.Rid yourself of "bad debt." i.e. credit cards, charge cards, etc.Develop a spending and savings plan. Stick To It!Think before you spend. Determine if your purchase is out of need or want."Make a positive difference in the community surrounding you!"