Thursday, June 25, 2009

Earn $1 but spend $2

Hey, there is a famous saying that people who are always in debt tends to go by the following rules:

Earn $1 but spend $2!!!!!

Is that magic. No but just an illusion to decieve yourself.

Stay out of debts and your life is more happier and stress free.

How to be frugal, but not settle for 'cheap' in this 2009 recession

Back in the days of the Great Depression, knowing how to be frugal was a necessary virtue. Although some today believe that being frugal is analogous to being 'cheap', or Scrooge-like, this is really not the case. My dictionary defines frugal as, 1. not wasteful; thrifty and 2. inexpensive or meager. No one wants to be wasteful, especially with food and resources. Being thrifty is sometimes viewed as synonymous with cheap, perhaps only because many younger people interpret this as an old fashioned word. Learning how to be frugal, that is, not wasteful, is now coming back in vogue!
This current economic downturn demands that we cultivate a frugal lifestyle, making the most of our assets and buying power. If you're new to the frugal scene, here are a few easy ways to get the most for your money, while not significantly impacting your lifestyle. The most painful steps might be eating out less frequently, or cutting back on a few TV channels you never watch anyway.
Utility costs are through the roof. In better times, most of us didn't think too much about turning off the heat, lights, TVs or computers when not in use. Just by forming a few new habits – and getting family members to buy into the strategy – you can save big dollars every month on your energy consumption. Another big time saver is in the laundry room. Avoid doing those small loads whenever possible. Fill the machine. Clean out the lint compartment after each use. Insulate your water heater. Inspect weather stripping for leaks. While the microwave is a convenient appliance, it does eat up gobs of electricity. As appropriate, use the stove top more frequently. Taming that utility bill is an important first step in learning how to be frugal.
Food costs today can make anyone want to learn how to be frugal at the grocery store! Whereas we might previously made our menus according to what we felt like eating that week, this is a wasteful shopping strategy. If you plan menus around what's on sale this week and stock up on staples, such as coffee, sugar or butter when they're on sale, you'll save at least 30-40% on your monthly food budget. Using coupons and rain checks on sale items can boost your savings by another 10%. Using a price book is another way to track your prices on everything you buy, so you know a good price when you see it.
If you have growing children, you know that clothes may be outgrown in the space of a few months, most of which are still in good condition. If you haven't heard, thrift and consignment shops are now thriving. Take those outgrown clothes to a consignment shop and get cash or credit at the shop – usually about 40-50% of what the shop will sell the clothing to another frugal Mom. You can turn around and use the money to buy an almost new wardrobe for that growing child, at a fraction of department store prices. You may also want to check out the adult clothing selections for your own wardrobe. This tip on how to be frugal can save you hundreds of dollars on clothing every year!
Our last suggestion on how to be frugal requires that you examine your monthly expenses. Save your receipts for a month and record them by category on a spreadsheet. You might set your sights on trimming 10% off your expenditures. Instead of dining out once a week, make it twice a month. Do you watch all 200 channels on your cable or satellite package? Look over your current lineup and see if you can't downsize.
So there you have the basics of learning how to be frugal. BTW, it might well be a good idea to take those savings and apply them to your highest interest debt. You're on your way to living as well as you have been, but for lots less money!
qwdk4e6g32

Sunday, June 21, 2009

Build your wealth with Affiliate Marketing

Every once and a while life throws you a curve ball that no matter how well you concentrate and take your best swing at, you are going to strike out. Last year I was employed full time and was receiving a good pay check. I hated my job, my supervisor was intimidated by me and I was commuting over one hundred and twenty miles a day. The supervisor had never done any of the jobs she was supervising. She was the kind of person that would not admit that she did not understand the processes that we needed to complete in order to serve the clients. She would not ask questions and became angry if you volunteered information. One day I needed an answer to a question that she could not answer. I went over her head to the director to get the answer. This was the beginning of the end of my career with the agency. She made my life so miserable I finally quit one day and just walked away.
I took a couple of months off to heal emotionally from the experience. I interviewed for a few positions that were opened, but I did not have the spirit to work with clients. I was talking to my niece’s husband and he told me I should become an affiliate and work on-line at home. I laughed at him because we had recently bought a computer and I was having a difficult time setting up an email account. I told him I did not have enough computer skills to make a living off the internet. He told me that there where many training opportunities on the internet and that it did not take a great deal of computer skill to become an affiliate. He asked me if I knew how to get around the internet by doing searches through the big information providers such as Google and Yahoo. I told him that I had done searches to find general information. He explained that most people that had a computer did these general searches. Once you become an affiliate for various companies you help people find their way to the information or products that they want. If a person that you direct to a website buys something you get a commission. Basically you are in advertising.
This seemed like it would be an interesting system to learn. I started doing some research on the computer. I had not noticed that most websites have an area on their home page where you can become an affiliate. I started exploring these pages and found that different companies pay different percentages of sales as commissions. I found a general training program to learn the different techniques to use the search engines to direct people to various sites. It took a few weeks, but I have started to get commission checks.

Why not try check it out here? You have nothing to lose.

Ideas to Make Money

If money makes the world go around, then lately if feels like the world is spinning a lot slower. There are plenty of ideas to make money floating around but what really works? Is it a get rich scheme you find on the internet or maybe an “ol’ school” lemonade stand? Basically, there are two commodities you need to make money: time and other money.
One of the fastest ideas to make money is to sell something you already own. Rummage through closets, garages or attics and you’re sure to come up with a yard full of valuable “junk.” Naturally, you’ll need to advertise but this doesn’t mean a million dollar spot on the Super Bowl. A couple of well placed and easy to read signs posted at the end of your block should steer traffic your way. You can increase this traffic by pulling in a couple of other neighbors and their junk. The bigger the yard sale the greater chance you have of making money fast.
Consider this idea to make money from a yard sale and upload it to the internet. There are two viable sources for selling your stuff: Craigslist and Ebay. On Craigslist you post what you have for sale then wait for somebody to find it. The one drawback with this is that the ads cycle. So the “for sale” post you put up in the morning will be shoved down to the end of the line by lunchtime and might be ignored.
On Ebay, you get to auction off your item to the highest bidder. This could mean getting more then you expected to. You also reach a worldwide audience and can keep your auction active for as long as you want. You also can post the item as “buy now” with a fixed price. The drawback is that you’re in charge of shipping. You’ll be able to include the cost but you still have to pack it up and drag it to the post office. As an alternative, try to find an Ebay drop off site in your city. These are small shops that for a price of the sale, will handle all the auction business. Selling your stuff without the hassle is truly a great idea to make money.
Another one of the decent ideas to make money is to offer services to your neighbors. Maybe there are some senior citizens who have trouble getting to the store. You could set up an errand service where you’ll take care of their business for a small fee. Chances are you’re probably going to the same places anyhow so why not make money while you do it? Finally, there is the old fashion concept of mowing lawns as a good idea to make money. Hard work but it has to get done. You could call lawn work as the original “growth” industry.

Learning how to earn extra money

Times are tough. We all know that we're in the deepest recession in at least 30 years. Some experts even say it's the worst it's been since the Great Depression of the 1930s. So in these tough economic times, we all want to know how to earn extra money. Anything to supplement your salary, or put a little cash away for a vacation later in the season, or pay down those outrageous credit card debts.
Start by going online and searching "how to earn extra money." There's a fair number of how-to guides out there, but beware of the ones that charge a fee. Chances are they'll just be giving you the same advice you could get from any free guide out there, and your goal is to learn how to earn extra money, not how to spend money you don't have!
Some ideas I found were pretty straightforward: Have a sidewalk sale to get rid of your old CDs, or old clothes, shoes, etc. In these tough econonomic times, people are way more willing to buy secondhand instead of finding something new. By doing this you get to earn extra money while they get to save a couple of bucks. It's the free market doing what the market does best.
If you're not into garage sales or flea markets of the like, then maybe try EBay. They wrote the book on how to earn extra money, and are a global multi-billion dollar company as a result. That old coat of yours could get you a couple of bucks if you EBay it, as could that old VCR. Or maybe it's time to sell that collection of baseball cards or Beanie Babies. Whatever you've got hidden away in your basement or attic is something that can potentially be turned into cash.
Another step in figuring out how to earn extra money is figuring out what you're really motivated to do. Are you willing to take your Saturday and Sunday mornings and turn them into profit? If so, then start a local lawn service. Offer to mow lawns, trim hedges, rake leaves, shovel snow - whatever fits you the best. There's nothing wrong with a bit of manual labor, especially if it's the difference between making rent that month and not. Or if it's the difference between keeping your credit score on the good side of the ledger, an issue that's becoming more and more of a concern as banks put the squeeze on more and more people.
One of the great ways to pick up some extra cash if you've got a truck or a pickup is to perform "Man with a van" services. How to earn extra money with this? Well, you'll see this advertised on Craigslist all the time, especially in cities where few people have cars, and professional moving services tend to price gouge. Charge whatever you think is realistic - you can do research on this online - and always be courteous and diligent. Once you've built up a reputation as a prompt and hard worker, you'd be surprised at how much cash word-of-mouth can bring in for you. And that is the point, after all, isn't it?
If you're not the "man-with-a-van" type, you could consider gardening and selling your own home-grown fruits and vegetables. Or having a car wash, or becoming a dog-walker. All of these personal services are in demand, and finding the one that suits you best shouldn't be too hard. Love dogs and exercise? Advertise your services. Grow the best carrots in the neighborhood? Set up a stand downtown and earn a couple of bucks.
The opportunities are there. Just make sure you take the time to look for them!

Tuesday, June 16, 2009

How to be a Millionaire?

How to be rich during a recession and credit crunch? Is that possible when people are facing unemployment and even graduates are finding hard to get a job. Don't have enough to eat and still thinking of being a millionaire. Madness

Well, true but there are always opportunities out there. It not the end of the world yet, folks.
We will go through this together. I am sure