Taking care of The Four Walls
While this isn't a very new or revolutionary concept, it's often forgotten when push comes to shove. No matter what your situation or income you always take care of your four walls first. This includes- food, shelter, clothing, transportation, and utilities. These are the basics of life and ALWAYS take precedence over anything else, including paying down debt and saving for retirement.
Homework:
Most of the time meeting these basic necessities is no problem. There are times when even paying for these is a challenge. This includes when there has been a job loss or reduced income, a major medical event from an accident or disease, or death in the family. Whatever the source of the crisis, it's very important to keep the fours walls at the top of the list of all expenses.
"Our necessities never equal our wants." Benjamin Franklin
"But if any provide not for his own, and specially for those of his own house, he hath denied the faith and worse than an infidel." 1 Timothy 5:8
"He who knows no hardships will never know hardihood. He who faces no calamity will need no courage." Harry Emerson Fosdick
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