Investing

1. DOWNLOAD THIS BUDGET – I created this budget to give people the tools needed to budget effectively.  Budgeting is very important and I have received many emails about how it has helped people with the process.  Give it a try and see what you think!
2. FOLLOW THESE 7 EASY STEPS TO BUDGETING – Proven methods to help you beat the budgeting blues.  So many people, including myself, have started a budget and before the month ends the budget is busted. It kills your motivation and desire to budget, and before you know it you are right back to your old ways.  This post will keep that from happening to you.
3. LEARN TO SAVE – This is too important to ignore!!  I know what keeps you from saving money but do you?
4. UNLOCK YOUR TRUE POTENTIAL – In my opinion there is nothing that keeps someone from prosperity as much as not taking responsibility for their own life and problems.  You must take action if you want to change your situation.  Waiting for someone else to prime the engine will keep you right where you are.
5. INVEST FEARLESSLY – Fear is our worst enemy, even worse than debt!  When you are scared you make decisions on the fly and panic causes you to rush those decisions.  If you have planned well for your future then you are probably enjoying the low prices.  If you have not planned then you better get ready for the next BIG SALE!
6. TEACH YOUR CHILDREN SOUND FINANCIAL PRINCIPLES – Don’t rely on our misguided school system to teach your kids about money because they WON’T.  Step up to the plate and prepare your children for the life they will be pushed into once they become an adult.  If they are not aware of what is smart and what is not, they will be enslaved by credit card companies camped out at their college campus.
7. DON’T BE AFRAID TO RENT – So many people buy a house before they can truly afford it.  We did it too so don’t take this personal, that’s why we had to use “creative financing” to purchase both of our homes.  Just because you can afford the payment doesn’t mean you can afford the house.  When life happens it doesn’t care if you have savings, can pay your mortgage, or got an unwanted pay cut.
8. RECESSION PROOF YOUR LIFE – It’s really pretty simple.  If you plan for the future then a recession doesn’t really have much of an impact.  The key is using your greatest wealth building tool.
9. GIVE YOURSELF A RAISE – Do you barely make it through each month by the skin of your teeth?  Wonder where you can get that raise you have been looking for?  I bet I can find you that raise!!
10. ADJUST YOUR PRIORITIES – You are where you are today because of the decisions you made yesterday.  Your priorities can be found by following where your money is spent.  Is there something that you feel you deserve? (Like Health Care?) If your priorities were different could you afford that something?
11. GIVE YOUR TEENAGERS AN ADVANTAGE – Teenagers and young adults are often pressured into something they don’t want to do simply because society, and probably their parents, tell them that they should.  They pick a job based on the salary instead of their strengths.  To top it off they go into debt to get that diploma and spend most of their adult life paying off the master for something they don’t even enjoy doing.  (Intended for teenagers but helpful for most adults)

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