I saw a post on one of my favorite news blogs quoting Walter over at Dreamland BBQ about the rising food costs and what its doing to business at Dreamland BBQ. But it is way beyond that, those costs trickle down to the consumers ( you and me ) and pinch our personal finances.

In case you’ve been hiding under a rock for the past few years, our collective financial state in the United States is in the crapper! The refinance craze back in the 90’s left everyone with more owing more for their houses than they are worth. The big truck & SUV craze has left hundreds of thousands of consumers with a $40,000 Suburban that they can’t get $10,000 for because no one can afford to put gas in it!

So what do we do? More unsecured loans, payday loans, or refinancing? No, in reality what needs to happen is some serious downsizing. Sell that big house and big car and find one that makes more sense for you. This is the beginning to smart Personal Finance planning.

Does managing your money feel more like youre just managing your debt? If so, then you’re spending way to much on stuff you don’t own. Our society has told us that personal finance planning is not necessary, just use your credit card or refinance your house and splurge! Spend spend spend and personal finance planning be damned!

And you may be reading this and thingking yeah yeah whatever. Well, what happens to your credit report when you get laid off from your high 5 or 6 figure job? What happens to your personal finances then? They go in the crapper that’s what…Then you can’t afford to eat out at Dreamland BBQ, and Dreamland has to raise their prices for the rest of us who do have a solid personal finance plan that is not based on credit!

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