Debt and Debtor’s Disease

Debtor’s disease is a silent killer. Killer of respect, marriages, self control, and families. There isn’t a part of your life that it won’t touch and destroy with it’s deadly power. Some of you won’t even know you have it for many, many years. It’s a sneaky affliction; creeping into your life and slowly but surely taking control of every part of your existence.

Seems a bit of a dramatic description, doesn’t it? But, the sad part is, it’s all true. Even though we often hate to admit it, debt will control our lives totally. Even when we first realize it, we won’t do anything about it. We will deny it, continue to feed it, and give it all it needs to thrive within our lives. Oh, you’ll have help, no doubt about that. There are many ways we fuel the fever. Falling into the credit card trap is just the beginning. Self justification is your worst enemy. Why, the human mind is masterful at justifying just about any action, or purchase, given the right circumstances.

Read more

Woman Saves $12,000 by Collecting Fives

A sum like $12,000 doesn’t usually make the news, but one Boston Globe reporter has managed to trick herself into saving that amount by adopting a creative way to save. With two daughters in college and a mortgage to pay, Marie Franklin and her husband didn’t have any extra money to put into savings. While perusing online, she came across a saving trick that suggested saving every five she acquired and depositing them into a separate savings account.

Once she’s collected ten fives in her wallet, Marie deposits the $50 into her designated savings account, and once that account has $2,000 she purchases a CD to earn higher interest. After three years of saving all of her fives, she has accumulated $12,000 in savings. Marie acknowledges that this method of saving requires discipline, but her unconventional habit has obviously worked for her.

[via SavvySugar]

101 Tips to Help You Make Money Doing What You Love

This article here comes from Paul Piotrowski at Inspired Money Maker.com. I firmly believe that you truly need to do what you enjoy, as that is where the passion lies. If you are passionate about something and truly enjoy doing that in which you are passionate, then there is no way that you can fail. You will prevail! Without further adieu, here is Paul’s list.

1. Cut Out TV Time – Instead of watching other people doing what they love (actors, athletes, etc.) while you sit on the couch, why not invest the time into becoming an Inspired Money Maker. The average US home has the TV on for over 3,000 hours per year. A 40 hour/week job is only 2,000 hours per year.
2. Read “Think and Grow Rich”
3. Have a Sense of Humor
4. Be Yourself
5. Don’t Hide Yourself – Be Accessible
6. Visualize Your Goals Daily
7. Have an Opinion
8. Compliment People
9. Stop Letting Fancy Sounding Coffee Steal Your Dreams – $5.50 coffee and snacks each day cost you $2,000/year. That could be invested into your Inspired money Maker dreams instead. Use the money to start a business, purchase equipment, take courses, go to a seminars, etc.
10. Learn to Listen
11. Be a Simplifier, Not a Complicator
12. Learn From Your Mistakes, But Don’t Be Afraid to Make Them
13. Be Humble
14. Read “The Science of Getting Rich” by Wallace Wattles
15. Get Excited
16. Be Original. Be Grateful. Be courageous.
    
17. Be Unreasonable
18. Stop Being Negative – Stop justifying that you’re just being realistic. See things as they really are, not worse than they are. Then, take it a step further and see things better than they are.
19. Take Action
20. Be Nice to People
21. Create Your Own Luck
22. Stop Pretending to be a Victim
23. Don’t Worry What Others Think, That’s Their Business
24. Learn to Master Your Habits
25. Do Something New
26. Use Affirmations Daily
27. Beat the Odds – When you encounter an obstacle, realize that each obstacle you get through with your determination also eliminates 80% of your competition. Keep going, don’t give up and your odds will improve every step of the way.
28. Just Do It
29. Believe in Yourself – Nobody else is going to do it for you. Start now, in this moment.
30. Don’t be Good, Don’t be Great, Be Outstanding
31. Never Stop Growing
32. Give to Get
33. Plant Your Flag, Commit to the Inspired Money Maker Path
34. Connect With Your Spirit Guides
35. Don’t Talk Small About Yourself
36. Avoid Bureaucracy
37. Focus Your Energy
38. Read Books
39. Invest in the Tools You’ll Need – Stop being cheap and invest in the tools you may need to succeed.
40. Have Integrity
41. Always Be Creating Your Story
42. Start an Idea Journal, Capture Everything
43. Pay Attention to Your Dreams
44. Assume You Won’t Live Forever, The Time To Do This is NOW
45. Don’t Gossip, Network – Cut out wasted time gossiping on the phone with your friends. Instead, get your friends into making money doing what they love and then each hour you spend on the phone will be networking towards both of you growing your Inspired Money Maker ventures.
46. Aim to Improve the Universe. Think Big
47. Don’t Give Up
48. Get a Psychic Reading
49. Make it Fun
50. Trust Your Gut – When it comes to logic vs intuition. Go with your gut, then justify it with logic later.
51. Believe in Others
52. Skip the Party, Work on Your Dreams Instead
53. Challenge the Status Quo
54. Learn a Positive Word Every Day
55. Get Help Where Needed – Don’t try doing everything yourself. If you need web-design, hire a web designer. If you need logo design, hire a logo designer. If you need accounting done, hire an accountant. Try not to do too much yourself. Focus on what you love doing and find a way to monetize it.
56. Instill Confidence in Others
57. Email a Stranger, Propose a Win / Win Relationship
58. Take Time to Relax
59. Start a Blog and Document Your Journey
60. Digg, Stumble, Bookmark this Post and Get 9,639 Universal Karma Points
61. Model Successful People – Read biographies, books, Blogs. Study successful people. Find someone who’s already accomplished what you want to accomplish and model their beliefs, their behaviors etc.
62. Replace Your Bathroom Reader with a Self-Help Book
63. Take Two Weeks Off Work, Stay Home and Work on Your Inspired Money Maker Plans. Tell Everyone Else You’re Out of the Country.
64. Repeat Your Affirmations In Your Head Until You Fall Asleep at Night
65. Choose Financial Abundance, Stop Believing that Money is a Dirty Word
66. Compete With Yourself, Not Others
67. Smile and Make People Laugh
68. Make and Carry Your Personal Business Cards
69. Be Polite, But Don’t Be Afraid to Express Yourself Either
70. Don’t Waste Time on Stupid Crap – Does your desk really need to be cleaned again this week? Do your books really need to be alphabetically arranged?
71. Watch What People Do, Not What they Say They Do
72. Help Someone Out
73. Think “How Do I Increase My Income by $10,000” not “How Do I Cut Expenses by $100”
74. Be Nice to Yourself
75. Get Rid of Stinkin Thinkin – Stop the endless negative chatter in your mind. Re-focus your internal questions on the positive.
76. Enjoy the Journey
77. Network with People You Feel Comfortable With
78. Don’t Use Your Kids as an Excuse
79. Learn to Forgive – Stop wasting energy holding grudges. Forgiving someone is not the same as condoning whatever they did. It is simply letting go of the pent up negative energy inside you because it doesn’t serve you anymore. Let it go.
80. Try Immersion Learning
81. Find a Mentor / Coach, Don’t Let Lack of Money Be Your Excuse
82. Give Referrals, Ask for Referrals
83. Don’t Complain. Put the Violin Away. Nobody Wants to Hear It
84. Stop Looking for Shortcuts. Steady Wins the Race.
85. Share Your Success with Others
86. Don’t Hang Around Negative People. Hang Out With Other Inspired Money Makers
87. Buy Wrinkle Free Dress Pants – Saves you time on having to iron them
88. Don’t Believe Your Excuses
89. Write in a Journal
90. Don’t Underestimate the Fear of Success
91. Be Decisive
    
92. Meditate
93. Convert Your Car Into a Personal Development University – Turn off the Radio and Listen to Audio Courses and Seminars in the Car
94. Hire Someone to Mow the Lawn, Work On Your Dreams Instead
95. Sleep When You’re Dead – Stop sleeping 8-12 hours a day. Try 6 hours / night for 30 days and see how you feel. Most people sleep so much because they’re depressed about their life. Work on being an Inspired Money Maker and you won’t want to sleep.
96. Use Law of Attraction
97. Send Gifts to People
98. Ask for What You Want – Erase the fantasy from your head that others should know what you want. Ask for what you want, always. Stop talking about what you didn’t get, and focus on what you want.
99. Work on Your Communications Skills
100. Have Patience – Everything won’t come all at once. Have the patience to trust that everything will come at it’s perfect time.
101. Seek Answers Within
     

7 Easy Ways to Make More Money, Working Less

by Kyle Tully

Are you living the Internet marketing lifestyle? You know, laying on the beach sipping Mai Tais, occasionally tapping away on your laptop. (Just to see how much money you’ve made this hour.) Or do you feel like you’re chained to your computer? Are you working longer hours than ever before… and not getting any closer to the dream lifestyle?

Either way, it’s your fault.

Your daily actions are either moving you towards the lifestyle you want, or dragging you further away. There’s no in between.

Look, it’s easy to fall into the “busy being busy” trap. That’s why it’s so important to design the lifestyle you want. Don’t let life just happen to you. Choose how you want to live it and make it happen.

Here are 7 easy ways to make more money working less and get you closer to living the lifestyle you want…

1. Work Less

Parkinson’s law says work expands to fill the time allocated to it. If you choose to work 7 days, you’ll magically find 7 days worth of work to do. The flip side is that work must also contract in a similar fashion. If you choose to work 5 days you’ll make sure you get all your work done in 5 days.

So the quickest and easiest way to make more money is simply to work less!

However many days you work now, choose to work one less. You’ll find it amazing how much you get done when you cut out all the busy work.

2. Outsource

Our school system teaches us a dangerous lesson: you must be good at a wide range of subjects. The only place this applies is in school! In the real world specialists get paid more than generalists.

Focus on your strengths and outsource everything else.

Don’t waste time working on your weaknesses when you can outsource those things to someone else that specializes in them. (Often for pennies on the dollar!)
Read more

Next Page »