MONEY

MONEY-The money we should save . This is the need of time .Time and money are universally proportiona .If you gave the time to do some thing you will save the money .If you spend the money to do that work by some one , then you will have time .But some one says that " THE TIME IS MONEY". So my friend you can convert your FREE TIME IN MONEY.By doing some positive things .Complete your samall-samall thing which are panding in your life. You will make big things . Don't think about big things .Think about small things to work. Saving the money is earning the money.We should stop spending on unwanted things .We should save money .We have to stop extra spending of money .So opne your eye's and think about your future with cool mind .Today it seems like everyone is going green, and no wonder, it's not only socially responsible it's also great for your pocket! Yes going green can save you money while making our earth better so why not start today. This article will show you 10 ways that you can step lightly on the earth while keeping more of your hard earned cash for yourself.1. Cut down on your energy billsOne of the easiest things you can do to help reduce your bills and your carbon footprint is to cut down on the amount of energy you use around the home. This can be as simple as turning off lights as you leave a room or setting your thermostat a few degrees lower in winter and higher in summer.Switching your light bulbs to compact fluorescent light bulbs (CFL's) will also save on your lighting costs.2. Reduce the amount of water your useBy installing low-flow shower heads and faucet aerators you'll cut down on the amount of water to use and you won't even notice! These small changes are quick and inexpensive to install and will save you around half your regular water bill.3. Find alternatives to using the carIf you live close to where you walk consider walking or riding a bicycle to work instead of taking the car. Not only is petrol expensive it creates a lot of unnecessary pollution that isn't needed. The other benefit to walking or biking is that you'll be improving your health and might even drop a few pounds!4. Eat betterBy buying fresh organic whole foods you health will improve and you'll be benefiting the environment greatly. Overly processed & factory made foods are bad for the environment and your health so head to your local farmers market instead of the grocery store for healthier alternatives.5. Leave the bottled water aloneWhile purified water is good for you, the plastic bottles generate a lot of waste. You can help your budget and the environment by using a reusable water bottle (such as the trendy aluminum Sag bottle) or installing a water filter to your current water supply.You don't have to impact your lifestyle too much to go green and the benefits to your health, the environment and your hip pocket will be well worth the changes.
More people than ever are choosing to shop online for clothes, electronics, gifts and entertainment. What could be more convenient and fun than getting the items you need without ever leaving the comfort of your home? Before you buy, though, it’s important to take a moment to protect yourself and your family from online predators and identity thieves.Only shop from a secure computerAlways run an up-to-date version of both an anti-virus and anti-spyware tool. These are simple to install and often update and run themselves automatically.Examine Websites for SecurityYou should also examine the web address to see if it is a secure site. A web address that begins with 'https://' is secure whereas a site that begins with 'http://' is not necessarily secure. Note that the only difference between the two is the ‘s’.Small security windows may appear the first time you enter a site. If a small window pops up in your web browser with a warning or message in it, read it carefully. Most web browsers warn users if they are entering or leaving a secure site. These messages can act as road signs for when to give out personal information online.Only shop with sellers you “know”Big name companies are usually your safest bet. Never heard of the store before? Search for reviews from other buyers and online critics. Steer clear if the seller doesn’t have a “brick and mortar” address or if you see lots of negative reviews.Read the fine printReview the site’s FAQ’s or privacy policy to know how safe your personal information will be. Find out how your order will be shipped, and how much it will cost. Don’t get overcharged! Most items can be sent via mail for a minimum fee.Make sure it’s the real thingMake sure what you’re buying is the real thing. An expensive or hard-to-find item at a very discounted cost could be damaged, modified or counterfeit.
Debt management (specifically unsecured) is the first step to taking control of your money! Add a household budgeting plan and you've got a powerful tool for money management.Together, budgeting and debt management build financial security and independence. Yes, you can reduce debt and save for your future financial security at the same time! It can be done.Anyone can do it and everyone deserves it!In fact, it's the only budgeting plan that makes perfect sense. Budgeting to include debt management in your personal finance plan builds a good strong defense against credit card use.Unexpected events and expenses play a significant role in creating debt for most of us. A good budgeting plan that prepares you for those events and provides a strong foundation to fall back on is essential for successful debt management.This is where most self-created budgets fail. Even the best intentions are doomed if you are you guilty of this common oversight? Without a complete plan, we fall right back into the old credit card trap. Feeling helpless and cornered into using credit to just make ends meet.Free yourself from the burden of credit card debt. You will never be financially independent as long as you have to depend on the credit card companies to survive.Quit investing in the credit card companies and start investing in yourself!Yes, I know the feelings all too well. Barely making ends meet, budgeting chaos, struggling to maintain "everything’s O.K." while finances continue to get worse and worse. Stop the feelings of inadequacy and failure!In today's fast moving society it's not unusual for the average family to be living way beyond their means. With that in mind, quit blaming yourself. This is the world we live in. Many of us have gotten trapped by society's expectations.I made the decision to stop the madness and help myself! You can too! A budgeting plan that includes managing debt will help you succeed at money management.Create a plan based on your individual needs...set your own goals...and begin your journey to lifelong financial security and independence! After all, we all have different needs and obligations, so everyone's plan has to be designed to suit their unique situation.The key to financial success is to live within your means!The key to independent wealth is living below your means! But wait...we're getting way ahead now. After living way beyond your means for so long, it's hard enough to scale down to reality. Once you have that mastered, and see how much money you didn't even know you had, you'll be eager to scale down even more!Debt management is crucial for any budgeting plan to succeed. And, likewise, a good household budgeting plan is essential for any debt management program to succeed.One cannot be successful without the other. Like "peanut butter and jelly" most of us can't have one without the other. They just go together!
Most of us, especially those of us who have debtor’s disease (if you have it you know what it is!), have commented or at least thought, “If I could just win the lottery, or sweepstakes, everything would be better.” Unfortunately, even if that big dream did come true things probably would get worse instead of better.It’s a strange phenomenon. It seems the more money you have, the more you need. It makes perfect sense. Given more money, most people would increase their standard of living. My question is, “If you haven’t properly managed the money you have now, how do you expect that you’ll be able to properly manage two, three, four, five or hundreds of thousands times more money?” A good question, huh? Food for thought. Maybe you need to start learning to properly manage what you have now while it’s on a much smaller scale. Then you’ll be prepared when that big lottery win, or sweepstakes, comes through! Now you may think this is a crazy, nonsense theory. Surely a million is enough for anyone to be on easy street! I’m sure you have at some time heard rumor about people who fall into great wealth by some means or another, and just a short time later are back where they started or in even worse financial condition. Many of these instances end in bankruptcy.Not convinced? Let me tell you about my own, smaller scale, experience with this strange phenomenon. Once upon a time, I was a single parent raising four children on an income of just under $20,000 per year. My children did not do without, and while I did begin my journey into debtors demise during this time, I had everything under control. Or so I thought.By my understanding now, I certainly was not managing my money well. I was not properly preparing for variable expenses or emergency expenses that were sure to arise. Thank goodness for a great family infrastructure that gave help and support when needed! My monthly payments were well within my income, including debt payments. I monitored my debt to be sure I maintained a comfortable debt to income ratio. I felt that I had the proper perspective on my finances.It was not until the household income increased due to marriage that I somehow lost that perspective and my real problems began. I blame a good deal of this accelerating financial ruin to “over confidence.” This “over confidence” lead to an arrogant disregard of proper money management. Looking back, you know hind sight is 20/20, if I knew then what I know now, I would be way ahead of the game!Since my new husband earned more than twice the income I had, I quit work to become a stay at home mom. I’ve been working since I was fourteen years old (and I’m no spring chicken now) so when he expressed the desire for me to stay at home with the kids, I jumped on it! But, this was not a contributing factor to my financial demise. It was the mindset I acquired when the household income increased.My mindset was this, “If I took care of a family of five on my near poverty level income, surely I have no financial worries now.” Life was good! At least for a while. Our standard of living changed of course. Typically, my cup runneth over……and I thirsted for more. Now we could afford to charge those things we “needed?” (I question it because, my definition of this word has greatly changed) and wanted without fear. I had that fear before. The fear of not being able to pay back the debt. I believe that’s why I kept it under strict control. With that fear now gone and a new sense of false security replacing it……..debtor’s demise set in quickly.Before I knew it we were living paycheck to paycheck. Sometimes, I even found myself juggling funds around to make the budget balance. It didn’t seem like so much money any more. I can laugh at myself now that I understand exactly how it happened. That delusion of grandeur mindset I had let little ol’ me fall into. After all my research, I now know that I am not unlike millions of other people in this world. It’s an easy mindset to get into. This is why more money will never make everything better until you learn to manage first and then spend.Your best preparation for that big winning day is to start planning now. Even if that big money dream never comes true, you may be surprised what a little forethought and planning can accomplish. A good debt free spending plan and monthly budget that encourage frugal living will, at the very least, provide you with more financial security and independence.Why heck, if you’re young enough, you can plan your way into millionaire status. It can be done. It has been done! It’s the guy next door who you may not even be aware classifies as a millionaire. He or she probably doesn’t brag about it, and their lifestyle doesn’t hint of it. But I bet that’s one happy, stress free, millionaire who has everything he needs and wants. He’s probably just about the nicest person you ever want to meet. Simply because he manages his money and refuses to let his money manage him!So what are you waiting for? Quit wishing for more money and make a plan to manage and take control of what money you have!Good Luck and SuccessLive Debt Free to Be Free. You Deserve It!