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Control Over Money

1. Use cash instead of bank cards. It is easier to stop spending when you can see that you are out of money.

2. Avoid shopping unless it is absolutely necessary. I never go for groceries until my fridge is totally empty. It is amazing how creative you can be and how much you can save when you follow this practice.

3. Shop with a list. Do not buy anything unless it is on the list.

4. Try scheduling appointments one week later than you normally would. You can save the price of at least two haircuts a year by booking every five weeks instead of every four weeks.

5. Plan your outings so that you save on gas. I often write the places that I need to go (using the shortest geographic route) on a sticky note which I place on the dash of my car.

6. Purchase a library card instead of buying books. You will be surprised at the good selection of novels, CDs, movies and newspapers that you can access for $5.00 a year with your card.

7. Go through your clothing and determine what new combinations or

Quickly Earn Extra Money

One of the easiest ways for you to make money is to sell something that you no longer need. Most of us have items lying around the home, in our garage or perhaps in our closets that we are not using any longer. Yard sales can be utilized to sell those items in a weekend and you will typically find that you are making anywhere from several hundred to a couple thousand dollars.

Of course, it is going to take some time for you to put those items together and then you will use a weekend actually having the yard sale. It can be quite rewarding, however, if it is done properly.

If a yard sale is not something that you want but you still have items that you would like to sell, you can do so on the Internet. Websites such as eBay and Craigslist can help you to sell those items and to make a tidy profit. Depending upon what you are selling and how long you plan on running the ad, it may take you anywhere from a few days to a week or longer to get the money that you need. You

People Reluctant to Spend Money

Whichever way you look at it, if the consumer feels prosperous, sooner or later it often leads to the dreaded inflation, the thing most governments want to avoid at almost any cost. So, it`s ironic that we are now in the situation in which the economy has ground to a halt, the banks have been forced to lower interests rates to virtually never-known-before lows, inflation in some places is turning to deflation, and many of us have more money in our pockets than before the credit crunch took hold. Paying much less for our mortgages, and with the lower rate of VAT now at the standard rate of 15%, down from 17.5%, has made many people better off. So, why aren’t we doing what the government wants us to do-spend?

First of all, why are we being encouraged to spend our money? Because recovery will be consumer-led. The consumer is the one who will kick start the economy once more. Car sales, house sales, clothing retail, holidays, they all depend on customers being prepared to walk through the door and purchase. Once house sales improve the numerous other items that go along with the buying of property

About Handle Money

First things first. You just gotta KNOW. Financial freedom is a conscious state of living–no more mindless spending!

You must know three things:

  1. What you have
  2. Where you have it
  3. Where it goes

Sit down and figure out exactly what income and assets you have and where you have them. Then identify all of your liabilities and expenses. Where is the money going each month?

Until you know, you won’t be able to act in choice. This gets to the issue of “WHO you want to be around money”. Do you want to be someone in control? Or do you want to be someone who AVOIDS money issues?

Create a budget

Once you know what’s currently going on, you can then set up your plan for what will go on from this day forward. This will be your budget.

I challenge you to write your budget differently than most financial plans will. I want for you to have a VALUES CENTERED plan that allows you achieve what you want to accomplish, regardless of your income.

  1. First, list those things in life you MOST VALUE. (things that lead to fulfillment)
  2. Then list the things

Money Saving Solution

Many business owners try to do it all themselves and the more time that you spend on tasks that could be outsourced, the more money that you waste. If you are looking to hire employees or a temp, you waste more money than you save; in terms of all the overhead that you have to pay for & other business related expenses. You don’t have to pay for any of those expenses when you contract with a Virtual Assistant. You just pay for the services that you want and that saves you money in the end.

A Virtual Assistant does not become your employee, they become a partner in your business or projects. That saves you money in the long run. When you consider and choose to work with a VA; don’t think of them as being your employee. That’s when you think that it costs too much to outsource. When you have that mindset of employee/ boss,(you’re the boss, they’re the employee) you limit your ability to effectively work with a Virtual Assistant. When you contract with one you develop a business partnership.

You have to get out of that employee/ boss mindset. Virtual Assistants

Purchase Order Financing

On our planet earth, man did not invent money for thousands of years. As civilizations and nation states developed, man learned how to trade and barter for goods that they needed. Money was invented to solve the problems of bartering. There basically was a timing issue between, for instance, farmers having a crop to trade for what they wanted when they needed it. The invention and acceptance of gold and silver coins helped to overcome this timing mismatch. The farmer could sell crops for gold and trade gold, when needed, for the other things they required.

Paper money was invented for many reasons, not the least of which is to avoid the inconvenience of carrying around a large amount of gold or silver. Paper money is easier to hide. Until the early 1900’s in the United States paper money could actually be redeemed for gold. During the Great Depression, President Roosevelt in 1933 passed laws outlawing the ownership of more that $100 of gold by individuals. By the turn of the century, the U.S. government discovered easy money. No longer restricted by the need for physical gold reserves, the government printing presses churned out however much money

Information of Finance, Credit, Investments

1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;

2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.

First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.

This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of

Throwing Your Money Away

If I had just sat down and thought it through for a few minutes I would have saved myself a large sum of money. Also, if my bank manager had my true interests at heart, he would have explained this simple principal to me. But if he were to do that, my gain would take from the banks profits.

The simple Maths. My Loan was costing me 9% and my savings earning me 3.2%. If I had simply put my $400 extra towards repaying the loan every month here is what would have happened.

I would have decreased the term of my loan substantially and as well as paying off the loan early I would have saved approximately $2,200 in interest repayments. If I had continued the saving scheme, I would have earned interest of $683. That means I would have been $1,520 ($2,200 – $680) better off if id concentrated on repaying the loan.

That’s $1,520 I wasted. As foolish as my mistake was, the sad fact is, a huge number of people are doing the exact same thing. People are putting money away for their future, kids education etc, while also repaying high

Free Unclaimed Money

When an owner of property forgets or fails to claim forgotten assets over a specified number of years, the assets are put into something known as a period of dormancy in which the custody of these assets are then transferred to a trust waiting to be claimed by the rightful owner. The unclaimed property most often turns out to be in the form of money or property that is not claimed will be waiting to be claimed by the rightful beneficiary or next of kin.

There are even lawyers who actively seek out and search those entitled to large sums of unclaimed assets and missing money hoping to cash in on the action as a middle-man.

Unclaimed life insurance policies go unclaimed when heirs fail to notify insurance companies about a deceased relative. Therefor no legal assistance has been made to carry over any unclaimed money to the proper beneficiary.

You might be one of the many thousands of Americans entitled to collect unclaimed and missing money on behalf of deceased relatives who left without a legal document disposing of assets properly.

Learn to Invest Money

Learn to invest. You have two options when it comes to learning to invest. You can learn by your own example where you can learn by the example of others. You can set up a brokerage account and start buying stocks based on your own decisions or you can read to learn how to do it and learn other people strategies would have succeeded already.

The honest truth is that you’ll probably fail at some point or another doing on your own. There is always look involved, but generally, you could fail miserably. On the other and, if you read from other people and see how they have succeeded and failed, you can learn from their mistakes and use that information to succeed.

This very moment you are learning from the mistakes of others. You are learning that some people decided not to invest. They just avoided it. Some are still working because they can retire and others are barely getting by in forced retirement. Learn from their mistakes and invest now.