How to be Poor

a "tongue in cheek" listing....

(or, "Don't tell me you're broke if you do any of the following...")

• Smoke

• Drink alcohol

•  Movie-goer

• Latte buyer

• Watch >5 hrs TV per week

• Have cable

• Do not have a budget

• Regularly carry a credit card balance

• Have no mentor in your life

• Buy lottery tickets

• Make car payments

• Don't tithe or give

• Regularly eat out (lunch or dinner)

• Not committed to personal improvement

• Make 100% retail purchases

• Don't own your own business

• No savings plan and no savings

• Talk and think "broke"

•  Purchase pornographic materials

• Surf the web w/o reason

• Participate in internet chat rooms

• Listen to talk radio >2 hrs per week

• Never review local community college course offerings

•  Lie to yourself and your spouse

• Do all your own car repairs

• Mow your lawn

• Paint your house

• Everyone you associate with is broke

• Make payments on do-dads

• View your home as an asset

• No retirement plan

• Shop for essentials at yard sales

•  Have a beard

• Work 45 hrs per week and get paid for 40

• Not teachable

• Don't pay yourself first

•  Be defensive

• Take offense at anything

• Own a dog

• Say often "it's not my fault"

• Spend too much time on unprofitable activity

• Play on a softball or bowling league

• Have no personal improvement plan

• Have no goals or dreams

•  Deny anything you just read