Buying Only What You Need Coalinga CA

A student offers his advice on being a wise consumer and not wasting money on unnecessary purchases.

John Wenzel
Watermark Asset Management, Inc.
(925) 648-4730
2010 Crow Canyon Place
San Ramon, CA
Expertises
Estate & Generational Planning Issues, Middle Income Client Needs, Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Newlyweds & Novice Investors, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Terrance Green
Blue Water Capital Management, LLC
(858) 552-1488
5755 Oberlin Drive
San Diego, CA
Expertises
Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Ongoing Investment Management, Middle Income Client Needs, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Steven Medland
TABR Capital Management, LLC
(714) 704-9180
500 N. State College Blvd, Suite 1320
Orange, CA
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, High Net Worth Client Needs, Planning Issues for Business Owners, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Alfred McIntosh
McIntosh Capital Advisors,Inc.
(310) 470-4056
10801 National Blvd., Suite 610
Los Angeles, CA
Expertises
Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, PFP

Ted George
George Financial Advisors
(831) 438-6000
5900 Butler Lane
Scotts Valley, CA
Expertises
Hourly Financial Planning Services, Investment Advice without Ongoing Management, Ongoing Investment Management, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues, Cash Flow/Budgets/Credit Issues
Certifications
NAPFA Registered Financial Advisor, MSFP

Charles Hayes
Hayes & Associates, CPAs
(619) 435-4195
1001 B Avenue, Suite 211
Coronado, CA
Expertises
Ongoing Investment Management, Charitable Giving - Trusts & Foundations, Estate & Generational Planning Issues, College/Education Planning, Tax Planning, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA, CPA/PFS

Cindy Adams
Adams Financial Consulting
(916) 925-3500
650 University Ave, Ste 115
Sacramento, CA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®

Karin McKerahan
McKerahan Financial Services
(909) 754-0228
43537 Ridge Park Drive
Temecula, CA
Expertises
Helping Clients Identify & Achieve Goals, Middle Income Client Needs, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MBA

David Barnett
Barnett Financial Planning
(714) 731-6300
1442 Irvine, Blvd., Suite 212
Tustin, CA
Expertises
Middle Income Client Needs, Retirement Plan Investment Advice, Ongoing Investment Management, Advising Medical Professionals, Real Estate Investments, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®

Cheryl Morhauser
Cheryl Morhauser & Associates
(530) 477-9519
PO Box 1770
Nevada City, CA
Expertises
Newlyweds & Novice Investors, Ongoing Investment Management, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Hourly Financial Planning Services, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®

Buying Only What You Need

Provided by:

(U-WIRE) ATLANTA, Ga. - For a long time I have thought about giving away everything I own and starting over. Complete liquidation of assets -- the creation of a tabula rasa for a capitalist system.

Living by only buying what I need. Somehow, I think you don't miss the little things when you have nothing at all. "Boy, I sure would like to listen to my The Get Up Kids CD. Oh wait, I don't have any CD's."

My parents really need to take this mentality to their refrigerator. Just throw everything away, for chrissake -- the dead fruits and vegetables, the forgotten jars of relish and preserves. Begin again from square one: "I would like to have eggs and orange juice for breakfast tomorrow. I will go out and buy eggs and orange juice."

Next day: "I would like to have hamburgers for dinner. I will go to the store and buy meat and bread and cheese and ketchup." Then the next time you want hamburgers, you already have ketchup. When that bottle runs out, you go buy a new one, as opposed to having two already open and barren bottles somewhere in the fridge that nobody wants to use, coupled with the brand new bottle that was bought in ignorance of the first two (please tell me everyone else's parents do this too).

Imagine approaching your entire life like this -- "I need a car to get to work. I will go buy a car. Oh wait, I need clothes to wear to work. I will go to the mall and buy clothes." Granted, you spend a few days walking around town hungry and naked until everything falls into place, but isn't that a small price to play for a lifestyle of minimal possessions?...


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