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Squander & Co.

Joseph Tom Riach – Author of successful living books and mystery novels, vivid views of life and business

 Joseph Tom Riach


The articles published on these pages and others to be found through my  Author Web Page are a blend of my real life experiences, professional insights, personal views and fun stories. My hope is that in them you find joy and inspiration.

  Squander & Co., advisers to the financially inept, conduct their business from a shabby, downtown basement. Their depressingly squalid premise belies the fact that they have tens of millions of worldwide followers. These reckless zealots religiously adhere to Squander's corporate mantra of - “Spend, Spend, Spend!”. This they accomplish with money they don't have and survive only on ever increasing credit. All the while Squander & Co. descend further into their own financial and moral black hole. As fine a place as any for the blind to lead the blind!

  The fact is that a heck of a lot of you out there are Squander & Company 'clients'. You squander money relentlessly. You often don't realise it of course (often you do)! but you are very easily parted from your cash. You are daily seduced with indecent ease by internet advertising, high street stores, smartphone offers, travel agents, credit companies, peer pressure and literally anyone who makes even a cursory effort to get at your money. You virtually beg to be relieved of it, competing one with the other in order to find the latest and fastest way of having it taken off you!

  Here is something to try. Try to go through one whole day without spending a single cent. When you succeed, and it won't prove easy, try two consecutive days, then three and so on. You'll be surprised at how much spending you can eliminate when you really put your mind to it.

  Try instead to concentrate any 'spending' only in areas that give you a higher return (more money back) than what you've spent. You'll then not really be spending anything at all. You'll be making money! Apply your thinking to your personal money management. On ways of only spending on bare necessities and on things which will earn you more money in return. When you do change your attitude you run the risk of becoming successful and wealthy. Squander & Co. will not love you for it!

  So what of them? A board meeting was called in order to discuss their own dire situation. Half of the board members were 'too busy' elsewhere to bother attending. Those who did show were flippantly informed by the company accountant that he hadn't bothered to keep any records. Income and outgoings were as much a mystery to him as were sales records to the sales director and client records to the customer relations manager. He did however confirm there being cash available to finance lunch. So all adjourned to the local pub to discuss their next move.

  This was soon determined as giving fabricated information to a dodgy lender for a sizeable loan to tide them over until the next crisis. When this money arrived Squander & Co. moved into flashy west end accommodation they couldn't afford, purchased a company limousine they didn't need, went on foreign jollies to impress the gullible and generally 'spent-spent-spent' for no good reason at all. Soon they were back in their squalid downtown basement.

  Does any of this sound familiar? Do you need to master the art of making money rather than squandering it?

 I am Tom Riach. I live and write in the sunny south of Portugal. 

Claim your special copy of my best selling - 'Mastering The Art Of Making Money' - by clicking on the image below.

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SQUANDER & CO. is an original copyright Tom Riach feature.
I hope you enjoyed this presentation and found it to be of value.
To learn more please visit me on my Author Page.
See you there! Regards, Tom.

© Copyright Joseph T.Riach 1998-present. All rights reserved.

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  • Top Commentor

    Well quoted Terri! I am well aware that there is little new wisdom in the world which isn't first refered to in the good book. It really is such a treasure trove, a book whose words are rich in the true sense and everyone can benefit from reading.

  • Top Member

    I love the subject and title of your post Tom, and the points you made and by offering a solution to help people make a change if they want to. Some people will follow your advice and some won't. You're a valuable asset to Syndication Express community and I recommend people reading this post to get a copy of your book. 

    FYI: Origin of “A Fool and His Money Are Soon Parted”

    The book of Proverbs 21:20 of the Bible is the origin of this phrase as it contains the same meaning. The verse is as follows – “There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.”

    Proverbs 21:20 says "Precious treasure and oil are found in the house of the wise*, But the stupid man will squander (swallow) what he has." 

    *Proverbs 15:6 says "In the house of the righteous one there is abundant treasure, But the produce of the wicked one brings him trouble."



  • Top Commentor

    I can relate to this Tom.  I consider myself a pretty thrifty person.  For instance, designer clothing and accessories, are way over priced in my book.  Women spend thousands for a pair of shoes with Red bottoms, why? Or women's purses, many are carrying purses that cost way more than what they have to put in them.  I feel I can buy nice quality clothing and accessories at a reasonable price.  To me, impulse buying is the worst, it very seldom is something I want or in some cases even use.  Then I kick myself for buying it in the first place.   


    • Top Member

      Those people you're referring to Robin Robinson are materialistic. My feelings are the same as yours.

    • Top Commentor

      True Terri, they are materialistic and don't see the best things in life are truly Free!  As long as you have your health, that's riches beyond your wildest dreams.  The love of friends and family, the Sunshine, the Rain they're all free.  No amount of money can buy nor replace them. 

    • Top Commentor

      Dare I say that those materialistic squanderers are all the poorer for it! :-)

    • Top Commentor

      Hi Robin, lovely to hear from you. Have you enjoyed a good summer? I hope so. Squander & Co. was fun to write but sad to be based on the spend-spend truth of people who mostly don't have the money. Apart from my late teens to early twenties stage, I've avoided the 'disease' and become more and more thrifty since. As I type I'm actually wearing an as new expensive brand shirt I picked up from the local charity shop for two euros ($2.30 today)! Normally I don't 'shop' at all. I have less clothes than most but more than enough tatty t-shirts and shorts to keep me going. Best of all - and you'll know this - I'm happy! Hope you are too, keep in touch, Tom.

    • Top Commentor

      Hello Tom, It's so nice to open a comment like this.  My Summer has been good I've enjoyed reading your books over the Summer. I glad to hear you're happy!  I don't know the Season in Portugal right now.  I've been following what's happening in Australia, and noticed they were wearing coats, I didn't know what the season was over there.  I learn something new all the time. 

      I used to love shoping at the Thrift Stores, I would find one of a kind, high quality clothing, I loved it.  And I shopped there for years, me and mom would make a Saturday of it.  We would go for breakfast, then hit the thrift stores.  Unfortunately, due to an infestation of Bed Bugs that have happened, throughout some of stores, I don't go to them anymore.  I'm like you though, I look at the prices in the department stores and they're ridiculous.  Plus, how many shoes, coats, purses can one wear or carry at the same time. I just don't see the need for all that stuff. not to mention spending that kind of money for it.  I love jeans and just casual style, I'm good.   

      Take care Tom it's always good to hear from you.  You always keep it positive and leave me with a smile. 

    • Top Commentor

      Watch out for my next article posted here Robin, I think you might quite like it :-) ??

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