live.pirillo.com – I love saving money. Don’t we all? I’d rather save it than spend it. My wife, on the other hand, likes to save… spend… make… and even invest money. Of course, most of her investments are in shoes.
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Product Description The original “Coupon Queen” and New York Times bestselling author shares her unique Five-Step Supershopping System.
Regardless of age, locality, and lifestyle, saving money is high on everyone’s list today. In this long awaited follow-up to the bestselling Cashing In at the Checkout, Susan Samtur explains her Five-Step Supershopping System, a new technique that will show readers how they can save 50% or more every time they shop. Samtur’s is the … More >>
In recent years, the cost of living has increased significantly. People are in need of money every now and then. They are trying to raise money from various sources to meet their daily demands. These days you will find many people are opting for loans from companies, banks and other financial institutions. However, majority of the people who have taken the loan find it difficult to repay the loan amount within the specified loan period and this is the reason why people fall into trap of debts.
Debts can cause much damage to an individual and thus it is very important for a person to consider debt management, as this is the only way to debt relief. You will find lot of valuable information on various online guidance services, which specializes in debt relief programs. These services suggest a systematic procedure for you.
You should try to eliminate the debt as soon as possible and then should try to focus on building your future. Make realistic spending plans and this will surely allow you to achieve your goals.
Planning is very important in case of debt relief. You should plan your expenditure in a way that you should be able to secure your present and your future. You should try to balance your life at both the ends.
Dumping your credit cards becomes necessary if you want to get rid of debts. Credit cards enhances your spending capacity and thus, you spend more than your earn. Credit cards no doubt have advantages but it is also true that these encourage people to spend. If you are not having a credit card then you will only spend up to a certain level and will never overshoot your budget.
At last, develop a habit of saving money wherever you can and learn to prioritize your expenditure.
If you have a car, then you must need a car insurance. Although you are paying money for the insurance, you are actually saving money for your car. You can protect yourself in case your car have an accident. It does not only protects you, but the insurance also covers your vehicle. So if you don’t have an insurance and have an accident, it will cost you a lot for hospital cost and car repair.
When you buy an insurance can purchase it depending on what you want to cover. For example, you can choose to guard yourself against accidental or burglary. Your insurance agent can help you to choose the policy that suits you.
There are many insurance companies to choose from. To save money, you can compare auto insurance provider online to find the affordable auto insurance. Do your research online to find a car insurance company that offer low rates with better coverage. By using the internet you can save money because you don’t need to come to the company and spend money on transportation. You can also read reviews about those company so you know which company is good and which company is bad.
While talking to the insurance companies salespeople, make sure you get information about discounts. Insurance companies can give discounts for a good driving record, and safety equipment on your car. If they think you have lower risk for an accident they can give you discount. So it is important to have a clean driver’s record and have an antilock brakes on your car.
Rich Dad, Poor Dad is written by Robert Kiyosaki and Sharon Lechter. It advocates financial independence through investing, real estate, owning businesses, and the use of finance protection tactics. According to Kiyosaki and Lechter, wealth is measured as the number of days the income from your assets will sustain you. Financial independence is achieved when your monthly income from assets exceeds your monthly expenses.
The book is the story of a person who has two fathers: the first was his biological father (the poor dad) and the other was the father of his childhood best friend, Mike (the rich dad). Both fathers taught the author how to achieve success but with very different approaches.
The educated poor dad but lacks financial literacy, because he does not acquire any valuable lessons about money, simply because it is never taught in school. Poor dad encourage their sons to do well in school so they could get a good job with a good company. Poor dad believed in working hard, and saving money. His poor dad worked hard but somehow never made it ahead financially.
While his little educated rich dad, deliberately takes advantage of the power of corporations and their personal knowledge of tax and accounting. Rich dad give him great lesson by paying him very low wages deliberately so that would stir anger and a sense of injustice and eventually for him to realize that in order to get ahead, one must work for himself and not for others.
Here are the major lessons from the book:
The important thing to get rich is by having a strong purpose for living, a determination to be a successful person. You need to have the rich mentality. Instead of dwelling with the fact that you are not rich, ask your self “how can I make more money” because this will stimulates the brain to take action.
In order to get rich, one must work for himself and not for others.
Understands what assets and liabilities are. The rich build up the asset column and the poor build up the liability column (expenses). Make sure you have assets that gives you income, like real assets, stocks, bonds, mutual funds, income-producing real estate, notes, royalties from intellectual property, etc.
Opportunities in life come and go; the rich recognize them instantly and turn them into gold bullions. Others do not see these opportunities.
Corporations spend first, then pay taxes on anything that’s left, while individuals must pay taxes first. Individuals may not be aware that they work from January to mid-May to enrich the government by paying taxes on their income. In the meantime, the rich are hardly taxed.
People should hire other people who are more intelligent than they because by capitalizing on the knowledge of others, an intelligent individual builds his own knowledge base and therefore has more power over those who don’t know.
Direct marketing, and management skills (manage cash flow, systems) are important.
Make friends with successful people and people who enjoy talking about money because they may have valuable lessons to share.Learn more from this amazing book: