Monday, September 28, 2009

7 Practical Ways to Slowly Acquire Wealth by Shirland Carrington

George S. Clayton writes in "The Richest Man inBabylon" about seven cures for a lean purse. The setting for this book is in ancient time, yet his practical advice is very relevant to today times. The concepts presented are very simplistic in nature, but once applied these principles could help you to acquire wealth. It will be necessary to apply consistent and persistent actions to achieve success. The inner actions of developing your mind are even more important than the outer actions. The seven cures below takes discipline to control your mindset because a breakdown in your mindset might lead to a breakdown in one of the stages.

The 7 cures for a lean purse are listed below:

1. Start saving money now

Pay your immediately living expenses with 90% of your income and save the other10% of your income.

2. Control what you spend

You must control the money that you spend on a daily and monthly basis. Your results will be drastically different if you constantly spend your money on a want instead of a need. You must figure out your needs and minimize your wants to control your expenses.

3. Make investments with your savings

Your purse is fattening so now you must invest it. The true way to build wealth is by finding ways to invest your savings. You must find profitable investment that will give you a great return on your money. If you fail in your first attempt to build wealth, then start over at step 1 again. The point of failing is learning from it and continues to move towards your goals.

4. Protect your Return on Investment

You must weigh the risks versus the rewards of every possible investment. You must only seek advice from people who specializes in investment strategy. You must make sure that you select the right person, interview and researched their credential. Your due diligence at all stages before investing in a risky enterprise that may eradicate your nest egg.

5. Invest in property

This cure is self explanatory because everyone always dreams about owning his or her property. You would be wasting money if you are renting instead of buying your home.

6. Insure a future income

Strategic planning about your future when you have a growing surplus will help you keep your wealth. Your investments must be enough to take care of your family during your retirement years.

7. Invest in knowledge

The best way to keep your newly acquired wealth is to always invest in acquiring new skill sets. Perfecting your craft with a solid commitment to your goals will be greatly rewarded. What would you do with your last $200.00 if you had a home based internet business?

The seven cures to a lean purse described above are a simple plan that may be followed in the Babylon of yesteryear as well as the World of today. Saving 10% of your income on a consistent basis is only the beginning. The advice offered by "The Richest Man in Babylon" may be used by everyone now or in the future.

Success Mindset by Matt Hefner

This article is intended to help people deal with a negative mindset. In order to be successful you must possess The Mindset Of Success. With all doubt removed anything is possible.

As human beings we all feel the need to become more than what we currently are. Whether it's getting better at our job by learning, helping someone with a problem that they are having, trying to break an old habit, trying to lose weight or looking for ways to increase our wealth.

This amazing human element is a wonderful thing because it always pushes us toward growth and keeps us looking forward to the future. If you will stop and just take a look around you will see that everyone around you has this mindset to a certain degree. They are all working towards something that they think will better their lives, we all are.

If you will, take a moment and remember back to when you were a small child. Now think about a time when there was something that you really wanted. If you were like me as a child you did not have the doubt in your mind that told you that it was impossible for you to have this "something". You only knew that you wanted it and you dwelt upon that thought. If you remember correctly, most of the time you ended up getting your "something" or something even better.

The point that I am trying to make here is that with all doubt removed anything is possible. Somehow as we grow older we lose this and begin to doubt just about everything, yet we push forward and keep trying. The fact that we are willing to keep going even with all of this doubt in our minds means that there is still hope. We just need to re-train our minds.

In order for us to be successful individuals we must believe beyond the shadow of a doubt that whatever we set out to do will actually be a success. We can no longer go into anything with an attitude of failure. I can tell you from experience that if you go in with a failure attitude you will absolutely fail everytime. That being saidFind Article, if you go in with an attitude of sucess and keep that mindset even when it gets frustrating you will absolutely be a success everytime.

Let me ask you a question. Would you rather be around someone with a positive outlook on life or someone with a negative attitude who is always seeing the bad in everything? I hope you picked the person with the positive outlook. Why do we want to surround ourselves with these types of people? Because they are attractive. There is just something about them that makes us feel good.

You will do well to impliment these mindset changes in your own life. I encourage you to go back to that time when you were a child whenever you are feeling doubtful or negative about something that you are trying to do. Remember that with all doubt removed anything is possible. Take on the mindset of success today. You will be amazed at where it will take you.

9 Action Steps For A Success Mindset by David Schaefer

Learning how to focus and nurture the mind to achieve goals is a primary path for successful results. Understanding and implementing proper techniques for a success mindset can reap huge benefits. Learn about the 9 ways to achieve a mindset for success.


The ability of the human mind can serve us beyond our wildest imaginations. It has an unlimited capacity to learn; and when properly nurtured, it promotes clarity of thought, achievement, and even longevity of life. Taking responsibility for the successful activity of your mind and deliberately stimulating it for productive output can reap tremendous rewards.

It is easy for us to project our mental activities toward external matters instead of looking within ourselves and intelligently utilizing the natural gifts of the brain. But, introspection is precisely where success begins and effective action gets processed.

When you understand that the mind is where imagination, inspiration, belief, change, and self-discipline must take place, and you begin to infuse powerful insights and techniques to structure the process, the potential results can be remarkable.

Taking control of your mental faculties and nurturing them to their best advantage provides significant inroads toward accomplishing your important goals. For example, you learn how to overcome doubt, mental clutter, tolerations, resistance, and other self-limiting obstacles which can undermine, distract, and sabotage your personal growth and actions for the success you envision.

To help you find greater clarity toward achieving what matters most to you, carefully consider how you can begin to implement some or all of the following 9 key action steps for a successful mindset. Once you realize the potential impact these points can have in your life, you will certainly want to make them a part of your everyday action plan for success.

1. Understand that happiness and success originate from within you.

It is the world inside you that creates the conditions of your life. To positively change and grow you must truly realize that success or failure is a reflection of your inner world. Put another way, what you reveal outwardly depends on your inner thoughts and beliefs and how you decide to process and act on those elements. Once this is understood and actively addressed, inward and outward success can nurture one another and contribute to personal happiness and the life you desire.

2. The mind holds a tremendous desire to be positively stimulated and to experience the feeling of success.

This part of you that feels, perceives, and reasons thirsts for your input and follow-through to achieve. In other words, your brain is designed to solve problems and to help you reach the goals that you give it. Think of your mind as a clean slate, where you have the opportunity to nourish and empower it with only the healthiest thoughts, beliefs, and intentions. The thoughts you choose to contribute toward your desired outcome gage the results you derive.

3. Choice of thought and beliefs shape your life.

What you think about and believe is what you attract to your life. Clearly, thinking positively and actions of integrity beget the opportunity for more positive results. Likewise, negative, limiting or defeating thoughts beget the likelihood of negative results. Have you heard others declare that you should be careful what you wish for (say or think) as you may very well get it? There is truth in those words, and it can work for or against you. The way that you interpret or explain things to yourself is critical in determining who you are as person and the outcomes you experience.

4. Decisions, actions, and results are your responsibility.

To experience a purposeful, balanced, and fulfilled life, it is imperative to accept 100 percent responsibility for the choices you make. This includes what you think, the beliefs you hold, the decisions you make, the actions you take, and the results you derive from those activities. There is only one person responsible for the quality of life you live. That person is you. By accepting full responsibility for your decisions, actions, and results, your approach going into any endeavor is optimized for the potential of a more positive outcome.

5. The mind concentrates on a single thought at any given time – use it wisely.

If you accept that the mind holds a single thought at any given time, it would then seem advantageous that each thought should be truly constructive and contribute to your life. Perhaps that would not be realistic 100 percent of the time, but working toward a more effective choice of thought is certainly a better alternative than living with self-limiting or disempowering thoughts.
Learn to swiftly replace negative thoughts with positive, productive, or inspiring ones. It takes practice to do this consistently. But, you will find as you develop this insight and habit of capturing worthwhile, energizing thoughts, negative thoughts will be inhibited and eventually lose their power.

6. Know that your thought patterns are habits, and some habits need to be changed.

Like most habits, you can change your patterns of thought. This includes what you think about and the best use of your mental energy. Often, we succumb to thinking patterns which do not offer much value. It is easy to become stuck with the same thoughts and beliefs, speaking the same words, and repeatedly doing the same things. Such a pattern can stifle creativity, learning, and opportunities for a more interesting and adventurous life. Learn to identify your patterns of thought and recognize where, or if, change is needed. But, you must be diligent when making changes, as familiar patterns (habits) which are not serving you well are deeply entrenched and new thinking patterns take time to establish.

7. Self-image must be nurtured.

Each of us has our own native abilities, signature strengths, learning styles, and personality traits. As you move through your daily life, your self-image can support or sabotage your efforts. It can mean the difference between feeling inspired and taking action or being apathetic and remaining stagnate. An immediate way to begin addressing this issue is to take note of the mental pictures you hold of yourself. Are those images in alignment with what you actually desire for your life? If they are, that is outstanding. Continue to nurture and support yourself. If, however, after an honest self-appraisal, you feel a change is required to match the self-image you want, then figure out what change is necessary and make a commitment to accomplish it.

8. Goals require belief, commitment, and persistence.

After determining what you want, with the end result in mind, establish both short and long term goals which are worthwhile, achievable, crystal clear, and measurable. Know why these goals are important to you and what inspires you to achieve them. Then courageously commit to your goals with specific time frames. Do not let fear, false starts, adversity, or other people derail your pursuit. Believing in the outcome determines the outcome. Know that you deserve what you want and that you will achieve your goal. Hold fast to your vision and maintain your focus.

9. The subconscious mind is central to your success.

To truly effect worthwhile and long-term change toward achieving what matters most to you, your affirmative thoughts must reach the subconscious mind. It is said that as much as 90 percent of ones behavior and beliefs are the result of what the subconscious mind accepts. And, it has been shown that if you earnestly practice the exercise of feeding your mind with well-chosen information for at least 20 to 30 consecutive days you will have an excellent chance of impacting the subconscious mind for positive change. Rather than letting your environment control your lifeFeature Articles, you will be astonished at how your subconscious mind can energize and support you when you learn to consult it and nurture it with the information that serves you best.

Achieve Success By Following Your Inner Guidance by Enoch Tan

he reason why we have been taught all those things about success is because it has been studied from the wrong angle. There are people who try to study the secrets of successful people and to figure out what is it that they do to achieve big things. They try to study their actions and their characteristics. But they are looking at it from an outside-in perspective. They do not know what’s really going on in the inside of these people.

Everyone wants to learn the secrets of being successful in life. There are many people who have achieved success in this world. We seek to know how did they manage to achieve it, so that we can become successful like they are. We read a lot of books about how people become successful, but yet so many of us are still struggling with achieving our own success even though we posses such knowledge. What is the mystery that is holding people back from the success that seems so elusive to achieve?

We are taught that to be successful, you must have goals in life. You must work hard towards them and you must take advantage of opportunities that come your way. You must take a lot of action and make lots of mistakes in order to learn from them. You must be disciplined and diligent in your work. You must think creatively and try all kinds of ways to get results. You must get to know the right people who can help you. You must believe in yourself and you must persevere all the way until success.

Thinking about success this way makes it seem like it is so hard to achieve. It seems to take a lot of effort and energy. It seems that success is something that doesn't come to us, but we must fight for it. We wonder why life is such a struggle. Why can't we just relax and enjoy living it. Why can't we simply experience everything we desire in an easy and effortless way. It just seems so wrong that this is the nature of success. The truth is that it really is wrong to think that success is so difficult to get.

The reason why we have been taught all those things about success is because it has been studied from the wrong angle. There are people who try to study the secrets of successful people and to figure out what is it that they do to achieve big things. They try to study their actions and their characteristics. But they are looking at it from an outside-in perspective. They do not know what's really going on in the inside of these people. Sometimes even successful people also teach from an outside-in perspective.

But when you look from an inside-out perspective, someone who appears to have persistence, is simply doing something because they have a great desire to fulfill an idea that they have. It is not that they are trying to persevere in doing something, but it's that they just can't stop doing it because it's something they want to express or create. Perseverance and persistence isn't even on their mind. It's ridiculous to drive yourself to do anything at all. They are just being totally driven in the direction they are taking.

They do not try to set goals to achieve things, but they are following what is already in their heart to do. They do not go around searching for opportunities and grabbing any they can find. They simply do what their heart desires to do, and to go for anything that allows them to express more of it. Situations show up along the path that they are on to bring them further and to greater heights. They do not try to network with as many people as they can, but they simply relate with those they are drawn towards.

When you do something you are naturally drawn towards, all the energy, drive and opportunities will just show up to aide you along. That is because what is in your heart is your purpose. The universe has chosen and created you for a special part in everything, and it is directing you from within. The universe has also arranged everything necessary for the fulfillment of your purpose to be present along the path. You are not trying to create anything at all because it is all already there when you step into it.

People can try to set goals and work hard and do all the things necessary to achieve success and succeed at it. But they still won't be truly happy and fulfilled when they achieve it. That is because they have set out to achieve what they think they should achieve when it isn't really what they want. They bought into the world's idea or someone else's about what success is, rather than allowing spirit to guide them. True success is expressing what makes you happy deep down within and living it fully.

You can also follow your passion and do what you truly desire to do and still find it such a struggle. That is because you are trying to work at it rather than allowing it to work through you. You may be doing something you like, but end up doing it for something else rather than doing it for the pure expression of it. That is why many people who started out doing what they love end up being miserable because they strayed from the path. You must always remember to focus on doing because you love doing it.

The characteristics of success are what is observed when looking at it from an outside-in perspective. We miss the point when we are trying to model the ways by which successful people achieve their success when they are simply following their personal guidance. You cannot look at what someone else is doing and follow it to get what you want. You have to do it your own way by allowing yourself to be guided from within. You have to shine your own light just like they shine theirs. Follow your purpose.

We are taught that you must have the right mental attitude in order to flourish at what you do. But the right mental attitude will be present naturally when you do what you love, rather than trying to love what you do. If you simply do not love what you are doingScience Articles, then you shouldn't do it because it is not what the universe has chosen you to do. You must change to doing what you truly love because that is where your success is waiting for you to live it. Love comes naturally when you do heart work not hard work.

How To Achieve Internet Financial Freedom With An Internet Business by Lee Scutchings

Many people dream of achieving internet financial freedom with an online business of their own. Some actually reach this goal and are successful starting and running an internet business.

However, there are many people that struggle and don't make their business a success. The difference between the people that succeed and the people that struggle is that the successful people understand what it takes to achieve internet financial freedom and how to make it happen for them.

So how do they know what to do and a lot of other people don't? Here is what they understand that you haven't figured out yet when it comes to an internet business.

One: You have to educate yourself. This will always be something that you will have to do even after you become successful because there are always new things coming out for home businesses. If you ever want to achieve internet financial freedom then you can't skip this.

You have to educate yourself on all of the different ways to advertise your internet business. Learn them one at a time and when you are comfortable with one then add another. Don't try and learn everything at once or you will quickly get frustrated and confused.

Two: Advertise your business constantly. You have to advertise in a lot of different ways if you want to make money and be successful. If people can't find your internet business then you will never see success. This is why educating yourself is so important. So advertise, advertise and advertise some more.

Three: You have to want success bad enough. That may sound weird when it comes to how you can achieve internet financial freedom but it is imperative to your success. You are the only one that can make your internet business successful.

No one will be there to tell you what needs to be done or when to do it. You have to be willing to work hard, learn all you can, go over, under, around or through any obstacles that get in your way and don't ever give up no matter what. You will achieve financial freedom, and never fail, if you do this.

In order to achieve internet financial freedom these three things are not the only things that you will need to do or have. They are however the most important ones.

You will always struggle to succeed if you do not do, or have these. So make the choice that no one and nothing is going to stop you from being successful with your internet business and before you know it you will have financial freedom

TEN REASONS WHY MOST PEOPLE DO NOT ACHIEVE FINANCIAL SUCCESS by Craig Lock

Reason One: Lack of knowledge: or more specifically, a
lack of a desire to gain knowledge. Make the effort to read
to read about financial matters and you will learn. make
your money work for you by using the magic of compound
interest a t 7% interest per year your money doubles after
approximately 10 years and at 10 % interest after 7 years.
Remember the rule of 72. Divide the interest into 72 to
see how long it takes to double your money (or reduce it
because of inflation). So the sooner you get started the
better. Many people don't know where to go for unbiased
advise so they do nothing.

Reason Two: Failure to set plans. Did you know that only
5% of the population sets goals and only 2% have any form
of written goals? Their actions have a sense of purpose -
they are results oriented, they are motivated, they are
positive - they are life's winners. Where do you want to be i
n five years time? Without a plan it is easy to drift aimlessly,
and live from day to day. If you have set goals you will know
what you want to achieve. People fail to succeed because
they never plan to succeed. It is not that they plan to fail,
they fail to plan . So set your financial goals (targets).

Reason Three: Inefficient use of time and poor work habits.
Time is like money - you can spend it or invest it in building
a better you by self-development. When you waste you are
wasting yourself. Plan your day - what do you really want to
achieve today?

Reason Four: Lack of foresight. Achievers have an ability to
look beyond the immediate and into the future. Although
some may see your visions as dreams do not forget that
you have to have a dream to make a dream come true.
Unless you are fortunate enough to be left a legacy, the only
money you will ever have working for you is that what you
save from current income and invest. People with vision
can multiply their income by investing in growth investments.
Work for your money then make your money work for you.

Reason Five: The need to conform. Dare to be different
which is why the majority of people are not successful. Don't
be afraid take calculated risks. Remember the people who
make big money are the ones who do the opposite of what
everyone else does - sell when everyone else buys and vice
versa.

Reason Six: Poor debt management through excessive
borrowing. Lack of discipline through poor spending habits
and having no budget. Borrowing for things that loose value,
so that with interest payments you pay much more the
article than it cost initially. (Especially new cars, furniture
etc.)

Reason Seven: Lack of desire as a result of a poor attitude
to acquiring wealth. Bad mental attitude has caused more
personal problems than any thing else. What we expect to
happen usually does. Successful people are optimists while
unsuccessful people have a pessimistic attitude . Block out
negative thoughts and stereotypes and mix with successful,
positive people.

Reason Eight: Inadequate protection against unforeseen
events. It may be the loss of a home due to natural disaster
or the death or disablement of the bread winner. Adequate
protection (insurance) against these events is vital to financial
success. Not being properly covered has financially wiped
out many potentially successful people.

Reason Nine: Lack of discipline. Most people find it difficult
to save because they save - buy -save -buy, while others
simply buy. It is easier to say yes than no. Those who lack
discipline to say "no" will find financial success an impossible
achievement. The "must have it now" mentality - buy now
what your can't afford by charging it up in the hope that
you can pay for it later. Most people are easily led by
advertising and the easy availability of credit.

Reason Ten: Procrastination (big word, hey!). Many people
put off a savings programme until it is too late. Young
people have a wonderful opportunity and advantage because
they have time on their side.
The reasons people give for not starting a savings programme
are varied and many are genuine. They also vary according
to age. In their twenties they are just getting started in life
with a first job and want to enjoy themselves by spending
on cars
Free Articles, stereos etc. In their thirties they have a young
family and a mortgage to support and no money. In there
forties they say things are tough with kids to put through
university and unexpected medical expenses.................
and in their fifties it is already too late with no time left to
accumulate capital through the magic of compound interest.

A CONVENIENT TIME NEVER COMES.

IT IS ALREADY LATER THAN YOU THINK.

The Power of Systematic Investment Plan (SIP) by Samir Kunvaria

As explained in my article 'Planning financial goals', a goal can be any target that needs to be achieved in a stipulated period. I have also explained different types of financial goals like, buying a flat, children's education, marriage or retirement living expenses. All of these are critical long term goals in your life. These goals need to be achieved in a disciplined and systematic manner. When I say systematic, I mean investing a fixed sum of money each week, month or year to achieve the targeted financial goal. In this article let me make you understand the different advantages of SIP investing. SIP as everyone knows is Systematic Investment Plan. Generally SIP relates to investing a fixed sum of money each month in mutual fund scheme. The rupee cost averaging and the power of compounding are two main advantages of SIP investments.

Rupee Cost averaging: If you wanted to buy units of a mutual fund you end up purchasing more units when the net asset values of the units are down, and vice versa. Here, it is the average purchase price that matters and not the purchase price of one unit as you will keep on purchasing each month on a particular date. The returns are based on this average cost. This way you average the cost of your purchase and sell the units in future to achieve your financial goal. This helps in negating the volatility in the markets.

Power of compounding: It refers to returns earned on the principal as well as the interest amount unlike simple interest where you earn returns only on the principal amount. It also rewards investing at regular intervals and works best over long tenures. The larger the tenure of investment, more are the returns. Also, the earlier you start to invest, the more you benefit. For instance, if you begin investing at age 30 and invest Rs.10,000 a year for the next 10 years at 9 per cent per annum, and roll over the proceeds until you're 60, you'll end up accumulating Rs 9.28 lakh (your total investment only Rs 1 lakh). On the other hand, if you begin saving at age 40 and invest Rs 10,000 a year for 20 years at 9 per cent a year, you will end up accumulating Rs. 5.58 lakh (your total investment of Rs 2 lakh). This means that by keeping your money invested longer, you can get the benefit of compounding and can become richer by Rs 3.70 lakh (if you start investing from age 30), although your principal investment was just half of what you would invest by starting at age 40. Take a lesson from the above example and start saving as soon as possible. Remember, you will have to fulfill many goals in future for which you will have to start investing systematically from now.

Best Ways to Make Serious Money Starting With a Small Investment by Alex Cadens

Quite often people think that investing is not a viable option for them because of a common misconception that investing is only worth it if you have a considerable amount of capital. I was one of those people, as I thought that investing, making money and a living out of my investment, would require for to have 500K in my bank.

However, I realized that in order to reach the goal of making money and a living out of my money it was not necessary to wait 30 years breaking my neck until I am 65 and I have reached the 500K mark. Indeed, I learned that investing and making a lot of money at it was not about how much capital you have (although it is obvious that more is better), but more about how consistent and effective you are at managing your risk.

This is really the key, and the reason why we agree to put our money in the hands of large institutions, because we presume that they are better fit to manage the risk for us than we are, and this may be right to some extent, but the fact of the matter is that you can also do a great job at it without the need for you to be an expert thus getting far better returns on your investment.

Nonetheless, it is not about jumping into the markets to see if you get lucky, it is about being prepared, because remember, you are not an expert, but you sure need to perform like one. The question is, how?

Simple, you have to learn how to manage your investment yourself, and this is something you can easily achieve by turning to good educational resources and reliable trading tools, both of which will provide you with the ideal mix of know-how and accurate real time analysis to make your investment so profitable that you will need only a small amount of money to start making a lot of it.

Consider for a moment that if you achieve a 20% monthly return on your investment, an initial investment of $200 could turn into $13,249.47 after only 24 months. So you see, you can make serious money with just a little of it and without being reckless; all you will need to make serious money with your investment is know-how and/or a solid investing toolbox, and of course time, which is why starting sooner is key.

The Best Investments For First Time Investors by Joanna B.

re you new to investing? If so, you have taken a big step towards making a lot of money. If you use this opportunity right, you can get yourself into a very good place. You can increase your wealth exponentially over time and stabilize your financial security. This means being able to afford the things you want and love and live a much less stressful life.

As a first time investor, what are the best investments? It's hard to say that there is a better investment for one person to another. There is no overall best investment. If there is one investment that was the best it would have no risk and could make you a ton of money. If that investment existed, that's where everyone would invest and nowhere else. That investment does not exist.

The best investment is the one that is going to make you the most money with the least risk. This will be different from person to person. First of all, how old are you? If you are in your 20s, you have the chance to take on a lot of risk and make a lot of money. If you're in your 50s, you are probably very close to retirement and do not want to lose any money.

As a first-time investor, you are a beginner. You probably don't know much about investing and once make sure you are doing the right thing. The best investment for you is the one that you understand the most and feel the most confident with. First, a look at your age and decide what a good investment for you would be risk-wise. If you are a beginner and you are in your 50s, you will want to do something that is a little less risky such as bonds or conservative mutual funds. If you are in your 20s, you want more risk and may want to look more towards stocks.

Then, all you have to do is learn all you can about the investment that you chose and invest as much money and as you can. The more you work towards in the more you invest, the more money you will make, no matter how much risk you take on. Of course, you will probably make more money with more risk, but you need to make sure you are able and willing to take that risk.

Thursday, September 17, 2009

Marriage and Finance by Oz Hoopes

Before marriage it is wise to recognize the type of spender/saver you are about to marry. We hear that opposites attract, but is that good or bad for the relationship? Here are three types of relationship and some of the hills and valleys each may run into.

Saver + Saver

The saver, saver couple are most easily able to avoid debt. They communicate on the same playing field. Neither likes to spend or be extravagant.

But the down side to this arrangement is they may be wearing holy underwear when they arrive at the hospital in an ambulance. They also may be taking more of their fair share of the ketchup packets from the fast food restaurant so they don't have to buy it from the store. Often called tightwads or skinflints, they usually have money to buy what they need.

Spender + Spender

The spender, spender couple is oblivious to the problems being created, until maybe they are in financial ruin. Sometimes the main money earner will allow overspending because they don't want the other to know their situation. Spenders have been known to hide credit bills from the other partner in the hopes of paying them off before the other discovers the situation. Spending sprees are a common past time, with purchases made on a whim. Sometimes the items are not needed, but in the heat of the moment it felt good to buy, buy, buy. Many items are taken home and put away and never used, then later sold at a fraction of their value at the next summer garage sale. Spenders often have a lot of stuff and feel the need to buy bigger homes or storage space to house the extra stuff. Which is more expense for the couple. Unfortunately no one is monitoring the situation. Sometimes these couples are trying to "keep up with the Jones', which of course is never a good financial strategy.

Saver + Spender

This couple has a big plus in its favor. The spender is balanced out by the saver. The negative aspect to this relationship is the constant contention and bickering between the two. The spender is always trying to convince the saver to ease up on the purse strings, while the saver is always begging the spender to quit spending the hard earned cash. This relationship is on a teeter totter, with the balance of power shifting depending on who gets their way the most often. Occasionally, a saver will rebel and become a spender out of frustration to the spender, which puts this couple into the spender + spender category. This does not solve any issues, just puts them in jeopardy for financial problems. Better for this couple to find compromise in the middle. If each would just change a little, there would be less contention and more harmony.

How to Make Money Consistently Investing All by Yourself by Alex Cadens

One of the reasons I am writing this article, is because it always strikes me to see how so many people struggle to achieve a decent return on their investment, something that often leads them to give up the goal of making real money with their money.

From those who have been victimized by scammers like Madoff to those who simply settle for a bank CD and a 2% annual interest rate, all these folks have in common one thing: they have not seriously explored the idea of becoming investors themselves.

Sure it is scary to take on the stock or the forex market if you have no idea what to do in order to make money, because after all, you are not playing Monopoly, you are putting your hard earned money at stake.

However, does this mean that you should stay on the sidelines?

The answer is a resounding no, but it is also true that you should never jump into an investment without the necessary preparation, because investing always involves a risk and that preparation is precisely what will enable you to effectively avoid and manage that risk for a profitable outcome.

Investing is an art that does not require for you to be particularly gifted nor it demands that you have a PHD in finances, however, you are required to have a basic understanding of how the markets work and behave, and you must have a plan, an investment plan.

Education and tools will provide you with the understanding and the plan. Indeed, proper education and reliable investing tools can quickly put you in the position to take a small amount of money and grow it into something meaningful, but you have to be patient, disciplined and committed.

If you follow these principles and take this seriously, I assure you, you will become a successful investor and you will never have to surrender your money to a third party in order to pursue high returns on your investment.

Therefore, learn how to use some trading tools, get your hands on some good trading education, take your time to understand the markets and test different strategies on paper money until you feel you have achieved the consistency to put real money at work.

7 Tips to Help You Become Richer by Tristan Lee

We all would like to become richer, but most of us go through life oblivious to how to do so. In order to become rich, one must adopt a rich mindset. By now, you've probably heard of the Law of Attraction which states that you attract whatever you think about.

Most wealthy people, people who make 6 figures a year or millionaires most of the times, never let a lack of money slip into their minds. They always think that wealth can come to them and there are many opportunities always happening around them. To help you adopt a rich mentality, here are 7 ways to help you become richer.

1. Make the Decision to Become Rich

The first thing you have to do is make the decision to become rich. We have all made decisions before. The decision to eat an apple, to buy a new TV, or to get an A on a test should be no different from the decision to becoming rich. Of course it might take longer, but the core concept is that whatever decision you make, you will carry it out. When you have made this decision, you will start focusing your energies on that idea and you're unconscious mind will start to see what it can think of to make it happen.

2. Go to Bed and Wake Up Envisioning What Kind of Lifestyle You Would Have

Before you go to bed, simply close your eyes and envision the lifestyle that you want and do the same thing while waking up. This brings about a positive-energy about your day. This positive energy will give you ideas that will help you think of how to get rich. Since our unconscious mind only can hold a limit of thoughts at once, the possibilities that we do not know of are limitless. There are many ways to become rich and usually the resources are not that far away from you. If you keep visualizing a rich lifestyle during the day, you will also feel a lot more motivated to making it happen.

3. Start Studying Getting Rich

No, this does not mean go and get scammed by getting rich programs that offer naïve people bogus deals. It just means study different ways on how to get rich or things people have done to get rich. There are many books on this and by going in-depth, you'll kind of get an idea to what brought the average person to being the rich person. All rich people had to start somewhere and studying their path will give you an idea to what you need to do.

4. Hang Out With Rich People

Find out where rich people are and learn from them. You may go through your life always hanging around people who complain about how hard it is to gain money. They are just attracting a lack of money which will influence your thoughts on getting rich. They may be nice people and nice friends, but may bring a different mindset to the table regarding wealth beliefs. When you form a group who all believe that getting rich is possible, then everyone will feel motivated and feed off each other's energy. It is a lot easier than doing so by oneself.

5. Implement the Strategies

Now you have the decision, motivation, and ideas on how to become rich, don't just allow it to muddle around in your thoughts. It's time to implement the strategies through a detailed plan. You may have the best plan in the world which guarantees you to becoming rich, but you will never get there unless you execute the plan. Also, your ideas or plan may seem easy on paper or thoughts, but unless you experience it, you will know how much it takes in order to become rich. People who are rich now know exactly how much it will take to get there, but they have done it, and so can you.

6. Take Risks

Yes, I said it. Take risks. Do you think wealthy people become rich by taking one shot? Most of them did not just have one goal in mind and made it big. They took many risks and their ideas failed many times until they "broke through" with that one idea. You may have grown up with the a penny earned is a penny saved mentality, but sometimes, that just causes us to be too conservative with our money. There are ways to become rich without money, but it is difficult to do. Being stingy and taking care of every dollar you have will inhibit you from taking chances. As long as you can take risks and learn from your mistakes, you'll move ahead.

7. Learn to Save

Once you do start making a little bit of money, learn to save that money somewhere in a bank account. You might start making it a rule to put 10% of every dollar you earn in that bank account. The bank rewards people who save because everybody nowadays just likes to spend their money which causes the nation to go in debt. The bank rewards savers with interest. You've probably known that by now, but are you a frequent saver? Once you have made some money, and saved it in a bank, it really adds up through compound interest. Any rich person will motivate you to do so as well.

So there you have it - 7 tips on ways to become richer. Make the decision right now that you want to become rich and let it manifest into your world. Think like a rich person and act like a rich person (without being snobby of course), and you come up with ideas to become rich. When you have a good idea, write it down, but don't just stop there, learn from other people as well. Then, make sure you look at your plan everyday and execute than plan consistently.

Attract Wealth - Take the Focus Off the Money by Kelli Cooper

For those who want to attract wealth into their lives, there is one important key to keep in mind. This key to success may seem completely counter intuitive but it is vital. Trust me on this one as I am speaking from experience. You need to take the focus off the money. Yeah, I know it sounds strange to say that you will get money by not thinking about money. Though hard to grasp at first, it is not actual money you want, it is the things it will help you do, be, and have. That is why it is so important to get specific about your desires and the things you want to cultivate in your life. By focusing on these things, you bring yourself into a higher vibration and a better place mentally where you will be more ripe to receive the things you desire. Yes, I realize that in the midst of financial crisis, it is hard to think about anything else besides actual physical money making its way into your hands or bank account. I suffered from this same malady and I know what it is like to struggle financially and to wake up every morning doing mental calculations of my bills and the amount of debt I was steadily accumulating. I also know from experience that by focusing solely on money or better yet, the lack of it, I got absolutely nowhere and wasted a lot of time in severe anxiety.

Like I mentioned earlier, getting into a vibe that is friendly to receiving good things is very important if you want to attract wealth and other good things into your experience. You can start becoming the person you hope to be at any time, no matter what is going on in your life. Focusing solely on money and how to get money will often put us into the exact opposite state of the one that is conducive to good. The mere thought of money can evoke very strong negative emotions that will get you absolutely nowhere. Again, trust me on this one. You need to really give serious thought to why you want money: The things you want to do, the things you want to have, the personality traits, feelings, and qualities you hope it will give you. Guess what, you can start on this list even before you have a dime. For example, if you think having money will help you be more charitable and giving, there are tons of ways to help others without having any money and you can begin cultivating kindness and goodwill. Volunteer with an organization that serves a cause you care about, even if it is as little as once a month. If you think money will give you the opportunity to do the things you enjoy more frequently, make the time to do some of them now. If you love being out in nature, start going for hikes. This will not cost a thing. I could go on with a million different examples. My main point is that you will begin to attract financial prosperity when you are in a good state of mind and confident that your desires will be fulfilled. As I said earlier, it is not really the money you want, it is the things behind it and if you start working on those things, the money will flow naturally and from sources you never expected. When you start being happier and more relaxed, things will just flow better. You will get intuitive nudges, known as inspired action, that will lead you to the things you want. For example, if you are thinking you want to find a way to earn extra money without being super attached and anxious about it, you may get a nudge out of nowhere to visit a certain website and on that very day, you find some opportunity that is perfect for you. That is a real example from my own life. You will begin to attract wealth when you start getting clear about your intentions and making efforts to become the best you can be.

When people tell you certain programs or products have changed their lives, it is natural to be skeptical so I was reserved about making that claim for Bob Doyle's Wealth Beyond Reason Program but there is no other way to put it. I truly believe it can do the same for you if you give it a try and USE WHAT YOU LEARN. My efforts to create my life by design and focus on the things I want were half hearted at best through the years if I am honest with myself. When I finally got serious, I came across his program and something just spoke to me. Not only will you learn what law of attraction REALLY IS from Bob, you will also learn tons more from the best of the bunch in the field of personal development and wealth consciousness. He has compiled a program that will leave no stone unturned and if there was a degree in creating your life by design through deliberate intention, this would be the curriculum. If you are serious about learning how to develop a wealth consciousness and living the life you truly want, this information will put you on the right track. Like I said before, this info can change your life IF YOU USE IT!

Negative Financial Habits to Break by N. Morris

It is well know amongst financial advisers that those who put off bills and contact with creditors end up paying more, do not get caught up in this vicious circle which can consume your effective available money resources and diminish the financial reward effectiveness and enjoyment of your work environment.

Here are some cash draining habits you should seek to avoid in order to maximize your incomes use fullness:

Review bank statements regularly looking for wrong or miscalculated or unknown charges
This practice is useful as it picks up old forgotten subscriptions that were perhaps supposed to be canceled on your behalf but never confirmed. It also prevents you not knowing about bank abuse by fraud and other financial dangers. It has never been easier to manage and review your account due to the proliferation of internet banking and electronic services available via mobile phone from banks. Keep up to date on your account and watch each detail to ensure the are no mistakes.

Do not ignore bills and legal matters which arrive via post, file via the web.
Either forward them directly to your administration or accounting partner or deal with them personally but deal with them regardless as lateness in responding to declarations or payments can cost money and profits in additional charges and fees. The same applies with greater priority to credit and debit facilities as these will typically have a higher interest component charge for late and missed payments that normal. Again many companies and public services are available as electronic services via the internet, saving you time and money on postal and office supplies and increasing productivity and speed of processing.

Don't spend everything you have!
This single habit can be the most destructive one in my humble opinion. The key to breaking bad financial habits is to stop going broke and spending everything you have. Do not consider spending savings and other investments for anything less than a profitable or otherwise agreeable venture. Do not spend your last saving or free cash stupidly as this reinforces the desperation and hunger for money that is common when we do not have any. A good rule to go by is to not buy anything that takes more than 50% of your available cash.

Do not binge buy or blow everything on large expensive items
Learn to pace your spending and keep savings, plan for your retirement. Remember previous financial lessons. Recall the last time that you were broke and did not have money to spend, you made it through right ? Sure you had to cut out luxuries and even cut out some things that you had become used to but you survived without spending when you had to. Do not keep repeating the cycle, remember that spending money is a choice and you can say no. Buck the trend and opt out sometimes, you are free not to purchase and to save the money for another time. Avoid buying large items quickly, take your time and look for discounts and savings with alternative suppliers. Do not be too keen and try to spend more than you need to get a marginal discount, try to be balanced.

Become a Billionaire - It is Not As Hard As You Think by Lars De Mertine

Become a Billionaire: It is not as hard as you think. In fact, there is one thing that everyone that has achieved this status shares in common. The one main attribute that Henry Ford, Andrew Carnegie and others had in common was perseverance. They all hit really hard times when the vision they once had seemed to die out. Unless you inherited a billion dollars, there is not one person that has not had to overcome great obstacles and hit times where there was the death of the dream. They ALL had to persevere. OK, now that we have that over with, let's take a look at the best way I can think of to become a billionaire.

First, you are probably thinking that making a billion dollars is absolutely impossible but it is not. There are more billionaires alive today then have ever lived before. Look at it this way, even if you do not become a billionaire then you sure would not be hurting with "only" a couple of hundred million using this method. So, what is this big secret? The truth is that it is not a secret at all. In fact, there have been people making tons of money doing this for many years. Here it is: Forex. That is right, the foreign exchange market is where the money is and best of all you can get started with just a little money. It is called super leverage and it is how most have become a billionaire.

The reason why trading Forex is so profitable is due to the fact that you can get started with so little and once you get a system working then you can keep it going via automation. Let me explain a little more. First you sign up with a broker and then paper trade with a good forex software trading program. There are some really reliable FOREX trading software programs on the market and you can buy it for very cheap. In fact, the pone that I recommend gives a 8 week money back guarantee. You can find more information below.

Make Money on the Side - How to Do it Easily and Quickly by Des C Smith


Are you very interested to make money on the side? Then you are in your right path to know about it. There are a lot of people who now quit real jobs and search for virtual jobs. This is because of the flexibility and the convenience it offers. One could easily make money on the side by learning a few basic computer skills and then researching regarding the available opportunities on the websites. Lot of established websites would have opportunities that would attract you to get the job.

One must make sure whether the money you make on the side is legitimate or not. A few earnings might not be legitimate, which might later get you into legal problems. Therefore, be sure of the legitimacy of the money you earn. There are a lot of websites that could give you legitimate earning. For example, the dream lifestyle system which gives you the complete knowledge of how to market on the internet and how to establish a constant income receiving business on the internet.

Lots of opportunities are available to make money on the side. As people started liking them, even the industries, and corporate started liking them, and they have started outsourcing major parts of their business. Outsourcing to online workers has come to such a level that the companies give even their logo and website designing to online workers.

The confidence level and the cheaper work have given such a good fame to online jobs and to the principle of making money on the side. Apart from leaving jobs totally and turning into online jobs, many of them feel to make money on the side. This is because of the extra income it gives. This extra income is nearly equivalent to the main income. Online jobs not only give you a good job but also one of the best incomes. A lot of profit does exist when you do even a simple work online. This is because you could see the real profit of the job you do.

Apart from opportunities being split all over the net, people are also split. A lot of the population is now rushing towards online jobs and this significantly gives a stiff competition among the online workers. In addition, when people could just make money on the side without any real effort then who else would not mind to start working online? Yes, there are a lot of ways where you have to just hone a few skills that would be mentioned and then progress in your career and keep earning constantly and instantly!

Think Like a Rich Man by Wendy Streater

Just about everyone wants to be rich. So, how can we become rich? One way is to look at rich people and see what makes them different. If we can copy them, we can become rich.

There have been plenty of books written on the subject. Most of the good ones come up with a few simple things that the majority of rich people have in common.

One thing that impressed me most was that the really rich people are almost always very ethical. They are honest in their business dealings and value their family above all else.

Truly rich people give to charities, they are kind hearted and they seem to genuinely care for the people around them. Employees are treated well, family members are cherished and friends are more valuable to them than money.

The one thing that really stands out in the very wealthy is their unstoppable spirit. They will absolutely not take no for an answer. They will keep trying no matter how often they fail and they will persist until they find a way to get what they want.

Another thing about the rich man is that he always dreams big. He does not dream of earning a million dollars, he will insist on earning a billion, or more. He will not accept small thoughts or limitations. Impossible is not in his vocabulary or in his thoughts. 'Where there is a will, there's a way' is the rich man's motto.

Therefore, if you want to be rich you need to start by deciding to be very rich and keep working on ways to make it happen. Never accept "No" as your answer. You also have to treat people with respect and kindness and be ethical in all of your dealings.

Best Way to Build Your Wealth Fast by Alex Cadens

I am sure that your quest toward wealth has taken you through many traditional and not so traditional options. Some people settle for a bank CD, while others turn to hedge funds seeking for higher returns, but in the end, none of these options will enable you to really build your wealth fast.

On the other hand, some people turn to HYIP which of course turn to be scams 99.99% of the time (and I would dare say 100% of them are con artists at play). So yes, they might offer a higher yield, but one that you will never see.

So what is the best way to build your wealth fast while keeping the element of high risk out of the equation?

Simple, you must put an end to the quest for someone to make your money grow, and get it to grow yourself. Indeed, if you give your money to a third party to manage it for you, you are still running a risk (because investing your money always involves some level of it) and the only thing that is certain is that the money manager will make money and you will not (at least not enough to build your wealth fast).

The traditional way of investing is simply not a suitable way to multiply your investment fast, therefore, what you must do is break the mold and become the manager of your money in a way that puts you on the right track to a consistent and significant increase of your equity

By doing this, every dime you make by managing your investment will go to your pocket and not to some money manager that is supposed to deliver the best performance.

However, this is certainly not an invitation for you to take all of your savings and start gambling it in the stock or the forex market, while you cross your fingers in the hope you will hit it big. No, this is about starting a process of diversification through the use of educational resources and investing tools, because unless you are a very seasoned trader, you will definitely need them in order to perform like a pro (which is exactly what you need, no more, no less) and see your money grow consistently everyday.

This is something I have learned first hand, so I know for a fact that the best way to build your wealth fast is to become an investor yourself, you do not need to be an expert, nor you need to risk all of your savings, all you have to do is diversify a little by setting aside a small portion that will be managed by you with the help of reliable trading tools and resources.

Wealth Fast - Some Money Making Strategies That Will Help You Achieve Success Online by Willox Perez

If you're looking to obtain wealth fast then I'm here to tell you of some money making strategies that will help you achieve success online. By taking the time to understand and learn these strategies you're going to be able to start making wealth faster than you would in a job. The truth is that wealth is something that's going to take time to build on the Internet because you're going to have to learn and get educated on the different methods to utilize. But believe me when I tell you that it won't be like a job you're actually going to start seeing results once you have dedicated enough time and work into it.

Some of the money making strategies that you can utilize are getting involved in a free to join affiliate program and promote it using article marketing. By doing this you're not going to have to pay any money because the only thing that it requires is your time. When it comes to the program all you're going to be responsible for is promoting it to other people. When it comes to article marketing all you're going to be doing is investing your time into doing articles that are based on keywords that people search on a regular basis.

The more time you dedicate to doing this the more consistent you're going to see your income increase and the more wealth you're going to eventually start creating in the long run. You're going to start making a big profit from doing what I just said because you're not going to have to pay anything to get started. So this means that all the money that you would've wasted somewhere else you are saving and it has become all profit for you.

Free Business Grants - Best Way For Business Owners to Obtain Government Money by H. Milla

Now, more than ever, businesses are seeking different methods for funding their everyday business ventures. Due to the recession, there has been an exponential increase in applications for business grants. Due to this increased volume, it has become increasingly difficult for businesses to obtain the free grants, resulting in the increase of qualifications needed to be approved for these grants.

Perhaps the best way for business owners to obtain grants is to go through local government agencies. Although these grants will be smaller than federal government grants, these agencies are always looking to give free money to those who qualify because they want to create jobs and increase tax revenue in their respective states. It is difficult to find these grant listings via the Internet, as they are often not publicized, but one can call these agencies to find out about current and future grant listings.

The federal government doesn't give money directly to businesses. Instead, the government gives money to foundations that give grants to businesses. There are numerous foundations set up with specific goals of helping small business, large business, and entrepreneurs alike. All of these foundations can be found on the Internet.

Major corporations often give grants to small businesses located directly or in their surrounding community. They do this to provide communities with business, and to get good publicity. There are also numerous corporations that give grants to small business regardless of location, and it is often a good idea to check these corporation's websites to get an idea of what they offer and to check qualifications.

The easiest way to get a listing of free business grants is to go to a search engine, and to simply search for that phrase, business grants. Follow the links to the various sites and get an idea of what you are qualified for, and what you can expect to get out of them. There are thousands upon thousand of foundations set up for the purpose of helping businesses with free grants, there is something for everyone.

Final Tip: By researching and comparing you will find Free Government Grants Money available for your very specific condition or situation. Nonetheless, you are welcome to take advantage of the resources already listed in our website, we have done all the hard work for you.

6 Warning Signs That You May Be in Financial Danger by Eliza Roberts

Many people get stuck in huge debts without even realizing where things went wrong. Clearly, recognizing the warning signs of a financial problem is important in avoiding bad debt. In this article, we've presented six red flags that you could be heading towards the debt trap. Being aware of these signs should motivate you to take action right away before the problem gets worse.

You're usually late in paying off your bills. Some people forget or neglect to pay their credit cards until another bill arrives. Do you find yourself in a similar situation? Are you often late in submitting your payments? Are you even aware of your due dates?

Remember, each time you pay your bills late you also incur the additional late penalty charges. Why should you pay more when you can save on those extra charges by simply submitting your payments on time?

You're using credit cards without considering your repayment. Do you frequently find yourself using your credit cards without even stopping to think about repayment? For instance, do you even stop to consider whether you can afford to pay back your charges on time? Or are you contented with submitting just the minimum due payment on each of your cards each month?

Obviously, this habit presents a big threat! Sticking with just the minimum payment and continuously using your credit cards would eventually lead to debt build-up. Remember, the longer you prolong your credit card payments, the bigger your debts become because of the high interest rates and fees.

You take out cash advances from your credit card to pay other bills. Using your credit card for cash advances is definitely a big no! These are not covered by the grace period and most cards charge a higher APR on cash advances. Even if you managed to pay off your other bills, you are still left with debt in your account, perhaps even more than the debts you've paid.

You're not aware of how much debt you really owe. If you're not even aware about how much your debts are, then obviously you're in trouble. Do you put away your monthly statements without even looking at them? Do you often ignore your creditors when they try to contact you?

Arguments between you and your family because of financial issues. Financial issues and stress can really take its toll in family relationships. If your finances are starting to get in the way of your life, then it's definitely time to do something about it. Understand the root of the problem and work out a positive solution. If you feel you need help, don't hesitate to get assistance from a trusted credit counselor.

You use your credit card for your daily necessities. If you charge even the smallest expenses to your credit card, you are putting yourself in great danger. Credit cards must always be used with discretion. Bear in mind that failing to pay your bills on time automatically increases your debts by as much as 25% more because of the interest and late penalty charges.

How to Get Free Financial Help During Tough Times by Janet Jeffreys

Getting free advice and financial help has never been easier though it may not solve all your problems. This past year has seen a dramatic increase of searches online for free financial help and advice. Search terms like "I Need Financial Help Now" and "Urgent Financial Help" break your heart as you realize many many people out there are hurting and in desperate need of some kind of relief.

This article is intended to get you started on your search for finding the right type of financial help for you. You may need help with debt consolidation, credit card consolidation, refinancing your mortgages or discovering a way to may your money go further. Everyone's financial needs are different.

The one word of warning is that there are those who are poised to profit from people's pain. So arm yourself with knowledge before you seek any financial advice or help from those who charge for there services. Here is a list of ideas that you would be wise to exhaust all the free sources for financial help in your immediate community and online before seeking professional services.

1. Obviously the internet is the first place to start with all the various online articles and websites that give free advice or snippets of advice. Begin your search with the precise keywords of the issues you may need help with from debt consolidation to financial aid, financial grants, federal help with finances and so forth. Take note of everything you learn and the resources that are available to you.

2. Search your local newspaper for any community groups or state agencies that offer free advice from budgeting to financial counseling and make appointments to go see them. Again, exhaust your resources for the free financial help that is available to you.

3. Visit your local library or Citizens Advice Bureau and look at the community notice board for any free seminars, free brochures and resources. They may also have resources of other agencies that are helping people through financial crisis.

Preparing to Get Financial Help

Here are two ways you can help yourself with getting financially sorted as well.

When it comes to bill payments, it is very difficult to manage if you have bills coming out at various times of the month and especially if they are not geared to your paycheck timing. If you get a spreadsheet together or even a math book (if you don't have the software) and schedule your bill payments. Make a column for the creditor (company you will pay, including credit companies and bank loans), date the bills is due, the average amount due, the name of the contact person and the phone number.

Once you have done this call each and everyone of them and negotiate for the bills to be dated on either the same day every month or within the same week. This makes for much better money management and it also saves you a lot of time. This is actually the best type of financial help you could give yourself.

The second thing you can do to help yourself is read Your Credit Card Statements. Check the interest rate every single month. Look of over-payments of funny fees and claim them back in needed. If you can't manage your minimums or are struggling to bring down your principle look to consolidate by shifting over to another credit card company offering lower interest for those transferring their balance. You may wish to do this several times if you have larger balances. In this way you could get paid down a lot faster with a lot less stress.

One last word of advice. If after you have exhausted all avenues of financial help websites and agencies and will need to go to a professional financial adviser, always get several free quotes. Prices for these type of services vary greatly and you want to know what you are getting for your money and then compare to get the best possible financial help without it costing more than it should. Knowledge is power so get financially educated so no one can rip you off.

Organize Your Personal Finances and Achieve Financial Freedom by Evana Richards

Organizing your personal finances is something that many people tend to put off, sometimes to avoid facing reality. If you want to save money and get out of debt, putting your personal life in some kind of order so that you understand what you need to do is essential. You need to know exactly what goes in, and what goes out. Although you may have a feeling for this in your mind, it does not become absolutely clear until you really put it all down on paper.
The easiest way to organize your personal finances is to have a special place where you place every invoice, bill, or statement in a special file so that it does not get shuffled around in the mountain of mail on your desk or table. Label the files clearly, and organize them in a manner that is easy for you. For high interest bills such as credit cards, you may want to mark the folder in red so that it is easily identified, and you are sure to pay it. Paying off the bills that have the highest interest rates first is the quickest way to achieve financial freedom.
You should have a folder for utilities, mortgage payments, car loans, credit reports and any other expenses you have. By organizing your financial expenses this way, you clearly recognize what payments you have each month. After two or three months, you realize exactly what your monthly expenses are. This helps you devise a few ways you can save some extra money that may be applied to your bills.
To pay off your debts faster, devise a plan of attack. What do you waste money on every week? Although you don't think about it too much at the time, that $3 you spend at Starbucks a few times a week really adds up over a months time. Cancel your cell phone contract and start using a prepaid phone. You will save a substantial amount of money. Take your lunch to work. You would be amazed at how much money you can save in just one month by doing some of these things.
Put your paperwork in order, and keep good records. Decide that you are going to be proactive toward paying off your bills, and you are going to cut back on luxuries in order to do this. You will find that you can achieve financial freedom in a much shorter time period than you thought possible!

Time is the Best Investment by Cody Scholberg

There are two different things most people desire but are grouped into one category: wealth. Most people think this means having a lot of money, but it also means having a lot of free time, too. There is a difference between money and freedom. You can have a whole lot of one but none of the other, none of either, or a whole lot of both.
The class you are in is determined by your income. If your income is high, you are rich. If your income is low, you are poor. If it is somewhere in between, then you are middle class or affluent.
Poor <$25,000 Middle Class $25,000-$100,000 Affluent $100,000-$200,000 Rich $100,000+
Now, there are two categories of classes just like this; there is a third dimension to these classes. One can either be middle class free or middle class captive.
FREE
Poor <$25,000 Middle Class $25,000-$100,000 Affluent $100,000-$200,000 Rich $100,000+
CAPTIVE
Poor <$25,000 Middle Class $25,000-$100,000 Affluent $100,000-$200,000 Rich $100,000+
The difference is how this income comes in. Captive people trade time and effort in for dollars; free people do not. Someone may make $150,000 per year from stock dividends, while another may make $1 million from working as a lawyer. Though the lawyer makes far more, many would consider the stock owner the "richer one." Thus, it is not only money that determines wealth, but time, too.
There exists also spending patterns of money. The three types can go by any names. We will call them the slave, middleman, and the freeman patterns.
The slave knows only his money coming in and out. He makes, and he spends. He may not necessarily spend every dime he gets; he might save a lot of money. But, eventually, he will spend it somehow. We call him a slave because he will work forever. Someday, if he has saved enough, he can survive without working. But, if his savings ever run out, he will dust off his resume.
The middleman is more disciplined and generally more educated. The middleman usually saves some money, but with it he buys things that take money away from him. You have to feel sorry for the middleman, for he is so disciplined and hardworking, yet he does not realize that he keeps buying things that take his money away. We call him the middleman because he usually ends up middle class, most likely from buying a home to live in.
The freeman is very similar to the middleman; usually he comes from the same education system, and he is usually disciplined as well. He saves his money, but unlike the middleman, he buys things that give money to him (whatever he deems the best investment). We call him the freeman because his spending pattern, if continued far enough, will enable him to move to the set of free classes.