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Monthly Archives: February 2017

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 accessories you can add to be stylish without purchasing more items.

8. Instead of purchasing bottled water or buying specialty coffees from retail outlets, carry a thermal cup that holds a beverage you prepared at home.

9. Divide the monthly payments for your credit cards and mortgage by four and then pay this amount weekly. You will not only reduce the interest significantly, but also make four extra payments a year.

10. Write down every penny you spend for the next month and then analyze the list. This will help you to determine what you can reduce or eliminate in the future.

Student Loan Debt Consolidation

It would really be unfortunate if you have to bother about repaying a huge credit right from the beginning of your career. In fact, most of the graduates are now placed in this crisis. However, with the student loan consolidation program in the scenario, the problem of credit repayment becomes quite easy to handle.

The best thing about the consolidated loan is that it comes with an interest rate much lower than that of the other loans. The basic principle here is the same as refinancing a home for lowering the mortgage payment. Consolidating your existing loans which you had taken with higher interest rates, you now have to pay the interest for this single loan instead of multiple interests for multiple loans.

This lower interest rate on a single bigger loan will eventually spare you more money than you can expect. Some credit companies will reduce the rate even further for the students who consolidate their loans in their grace period. However, make sure that you stay away from the companies that demand repayment right after the grace period is over. Go for the companies which do not expect you to do so.

With consolidated debt, you not only save your money, but also your time and efforts as you now have only one monthly payment instead of several ones.

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 are business owners just like you and they understand the ends and outs, the ups and downs of business. They can help to assist you through the tough times and good times of your business or projects. They know what you’re going through.

By working with a Virtual Assistant you can save by:

  • lowering overhead costs
  • reduce some business related expenses
  • eliminate high employee turnover
  • eliminate federal & state obligations of an employee
  • you only pay for the services that you request
  • eliminate the cost of finding/ hiring/ training an employee
  • you can reduce your work hours & your workload
  • they help you to improve and/or reduce administrative tasks
  • they provide assistance at half the cost of employees

Financial Gratefulness

Focus on what is right with you and stop replaying what is not right in your life!

When did you last grip about something? It wasn’t that long ago that I moaned often unhappily. I was unhappy with my work, and in my personal life and for these reasons, I complained to others. My friends were also sad – it was a group pity party and we supported each other about feeling discontentment. To be honest, I was envious of other people who were satisfied with their lives. This is a revealing truth.

With time, I learned to pay more attention on what was working in my life and acknowledge the resources I did have more than I complained. Overtime, I felt a change happen, and more good things and people came into my life.

Try this tip for yourself and plan a time when you acknowledge what is working in your life. Visit the a complaint free world website to assist you with stop complaining

Write down what’s working

After identifying some good resources in your life, record them maybe in a journal. When we are working on changing your habits, sometimes we are not able to remember the good things in hard times. Changing takes time, so it is important to have a reminder written down of the good when we are going through a challenge.

Ask for what you want

While working on tip number one, surely stuff you want and do not have right now will become a need. This is a human reaction.

Choose one thing that you need help with and ask for help. Consider who can help you and how you will you ask?

Release fears and ask. Asking is like a lost concept especially for women. Exercise your courage and ask because you might be amazed how affirmatively people are willing to help.