2009-02-23T22:13:00.000-08:00

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http://www.money-at-home.com/ideas.htm;

ng Money Tip #1:

The great scientist Albert Einstein once said, "It takes a genius to see
the obvious." What he meant by that is that sometimes the simplest things
in life are the most powerful ... but because they are so simple, we tend
to ignore them, and not let them work for us.

One of the simplest but most powerful money making ideas is this: Keep a
daily log of everything you spend. Go to the dime store and buy a little
notebook. Carry it with you wherever you go. Write down every penny -
every single penny - you spend every day. It's as simple as that.

If you do this, you will find something magic happening in your financial
life in just a few weeks.

There is something incredibly powerful about writing down all your
expenditures. It makes the flow of money through your life more real and
exact. It shows you simply and clearly just where you are spending your
money, on what and why. Once you know that, it becomes much easier to
control your spending.

Many people who have taken up this practice have not only learned
something about themselves which they never knew before, but they are often
astounded.

For example, one woman realized through examining her notebook that she
actually spent nearly $2,000 per year on diet soft drinks, snacks and candy
bars! Since her job as a office clerk brought her a scant $12,000 per
year, she realized that one-sixth of her entire income was being frittered
away on something entirely frivolous. The woman gave up the snacks and
drinks, and found she had enough money to afford health insurance - plus
has $400 left over. If you could choose snacks or health insurance, which
would you choose?

The point is, it was her daily expense log that helped her achieve the
insight and clarity she needed to get control of her finances. That's what
a simple spending record will do for you - it will give you control over
your spending, and thus your financial life. There may be nothing but a
75-cent notebook and a ballpoint pen between your life of financial
struggle and financial freedom.

Amazing Money Tip #2:

Stop deficit spending! We all know how much trouble Uncle Sam has been
creating spending more money than our country takes in. It's called
deficit spending. Well, don't fool yourself. The same rules apply to you.
Using those evil little plastic cards may be the "American Way," but it's
a poor way.

Today, the average credit card holder is carrying $7,000 in plastic debt!

Spending yourself into debt with a credit card is unbelievably easy, as
many of you already know. The reason is psychological. When you give that
clerk a credit card, it's just not the same as handing over a stack of
green dollar bills. Would you as readily hand over a fistful of ten dollar
bills as flip a credit card across a counter? Probably not.

Credit cards put you in the hole and keep you there. Even for people with
good incomes, paying your credit card debt down to zero is amazingly
difficult. And make no bones about it, credit card debt will sap your
financial strength just as readily as an open vein will deplete your physical
body of its very life force. Using a credit card by choice can quickly
turn to using it for need. Once you get to that point, you are already in
trouble.

There is no secret to freeing yourself from the credit card game. You
must take out a pair of scissors TODAY, cut your cards in half, and begin
paying them back, slowly but surely. Once you stop adding to the debt,
even small payment will eventually add up. You can get out of debt if you
are patient and disciplined. Once your cards are history, you must adopt a
strict pay-as-you go policy. Instead of buying now and paying later, save
now and buy when you have the full amount.

Once again, this is not rocket science, but stopping credit-oriented
consuming is one of the most powerful financial tools available to anyone
today. Why not pick up this tool and use it?

Amazing Tip #3:

Sell your junk. That's right, it's high past time for a major garage
sale. If you don't have a garage, it's time to search through your house
or apartment for every single item you don't need, and could convert
quickly to cash at a flea market or garage sale.

Take an inventory. The truth is, most people are astounded by what they
own - and how much money they have tied up in useless stuff. Why let it
collect dust in your attic while it could collect interest in a savings
account.

You could easily be $500, $1,000 ... even $3,000 richer by the end of the
week. As an added bonus, you'd have your place cleaned up, and you will
have a fresh feeling of starting over. A garage sale is an excellent way
to not only clean out your house, but it often gives a psychological boost
that helps people get control of their life and money.

Amazing Tip #4:

Ben Franklin said it long ago: "A penny saved is a penny earned." Yes,
it's still true, and still one of the most powerful money-making tips in
all history.

Implied within Franklin's famous statement is the difficulty of saving.
It's tough to save and easy to spend! You know that! That's why every penny
saved truly is earned - because it takes so much effort to hold on to that
cash! But if you can do it, it will work magic in your life. Having a
savings account will de-stress your life. Imagine being ahead of your
bills, rather than behind. When you are ahead of your bills, you entire
life comes under your control. You sleep better at night. Your mind is
freer to come up with new ways to make more money and save more. Saving is
contagious - once you let it get started!

Here are some tips to help you save:

* Don't settle for interest checking. Have a separate savings account
that can't be as easily accessed as a checking account.
* Keep your savings in another bank - one that's off your regular route,
or perhaps even in another town. That way you won't be tempted to dip into
it every time you visit the bank to make a checking deposit.
* Buy short-term savings bonds, which have 6-month to one-year maturity
dates. That way you will get a higher rate, while at the same time keeping
your money close in case of real emergencies.
* If you can, open the account under two names and require that both
signatures be required to make a withdrawal. Two people can debate each
withdrawal and keep each other in line.

Amazing Tip #5:

Visualize wealth and abundance everyday. What we are actually
suggesting is that you practice some sort of airy-fairy mysticism that will
make you into a "money magnet"?

Maybe yes, maybe no. Call it what you will - a mind game, mysticism, New
Age ga-ga -- but the solid fact is that behind every wealthy man and woman
is a positive attitude toward money. Here's a quick demonstration:
(1) Person One with a negative money attitude has daily thoughts which go
this way:

"Jeez! $20 bucks is hard to come by! I seem to work so hard and get so
little for it. Money just slips through my fingers. It's amazing how much
money you have to earn to just get by these days. I'm never going to be
able to afford that new car on my limited salary, but this job is still the
best thing going for me right now. It's easy for some people to make a lot
of money, but I'm not one of those people ..." and on and on.

(2) Person Two with a positive money attitude has daily thoughts

2008-12-22T00:46:00.000-08:00

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