Melcar Group

Budget Guru


Need or Want? 

Sometimes it’s hard to distinguish what is really a need or a want in life. You have to be the judge of your own life to determine what is really needed and what is really a want or a luxury item.



No wonder we are having difficulties getting ahead..


A recent publication by Robert J. Schiller at, illustrates the dramatic increase in the price of homes.

In the end, you can be the only person responsible for your own faith. It is your responsibility to create and maintain a life for yourselves and your family. Being smart and logical financially is the only way to sustain a healthy life.

I posted this graphic to illustrate the situation that we are faced with today. We have to understand what is happening in society so we can prepare ourselves for it when we get there.


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