That’s what a simple spending record will do for you - it will give you control over your spending, and thus your financial life. Amazing Money Tip Planner NoteBooks Manufacturers1: The great scientist Albert Einstein once said, "It takes a genius to see the obvious.. This is a four part series giving you advice on saving your hard-earned money in a variety of down-to-earth ways. Search through your house or apartment for every single item you don’t need, and could sell at a flea market or yard sale. Amazing Money Tip #2: Stop deficit spending! We all know how much trouble Uncle Sam has been creating spending more money than our country takes in. There is something incredibly powerful about writing down all your expenditures. You can get out of debt if you are patient and disciplined. Until then, take note of what you have learned so far and put this information to good use. As an added bonus, you’d have your place cleaned up, and you will have a fresh feeling of starting over. Take an inventory. When you give that clerk a credit card, it’s just not the same as handing over a stack of green dollar bills. Well, don’t fool yourself." What he meant by that is that sometimes the simplest things in life are the most powerful . I urge you to put them to work - any one of these could change your life! Big changes come from small steps. Using a credit card by choice can quickly turn to using it for need. The same rules apply to you. But whether you are familiar with these super secrets or not, it will be well worth your while to put them into effect in your own life. There is no secret to freeing yourself from the credit card game. Once again, this is not rocket science, but stopping credit- oriented consuming is one of the most powerful financial tools available to anyone today. If you do this, you will find something magic happening in your financial life in just a few weeks. The magic they will work on your financial life is guaranteed.. Once your cards are history, you must adopt a strict pay-as- you go policy. Once you get to that point, you are already in trouble. The next of the 11 best money saving ideas of all time will be discussed in part 2. That’s right, it’s high past time for a major yard sale. Once you know that, it becomes much easier to control your spending. It’s as simple as that. Write down every penny - every single penny - you spend.com">palyn@futureinternetmarketing. You could easily be $500, $1,000 . Instead of buying now and paying later, save now and buy when you have the full amount. Nothing here is anything that anyone can’t do on a daily basis. If you had the choice between snacks or a much needed vacation, which would you choose? The point is, it was their daily expense log that helped achieve the insight and clarity they needed to get control of their finances. but because they are so simple, we tend to ignore them, and not let them work for us. Some of you may have heard of these ideas before, others may be entirely new to you. For example, a person could realized through examining their notebook that they actually spent nearly $2,000 throughout the year on diet soft drinks, snacks and candy bars! Since their job only brings in $25,000 per year, they realized that 8% of their entire income was being frittered away on something entirely frivolous. Using those evil little plastic cards may be the "American Way," but it’s a darn poor way.com. Today, the average credit card holder is carrying $8,000 in plastic debt! Spending yourself into debt with a credit card is unbelievably easy, as many of you already know. The truth is, most people are astounded by what they own - and how much money they have tied up in useless stuff.Copyright © by Palyn Peterson

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I also use colored stickers to label different types of days: profit generating, business building, vacation and holidays..I take the major ones off. This allows me to easily see what I’ve planned. * Business Building.. Break it down into small segments....otherwise a notebook and calculator will do just fine.. If you can’t do it yourself, or don’t want to, get help, this is one area that you can’t skip! You need to know where you are now in order to effectively plan for the future.here are some of the steps I take: 1. 4. After determining where I want my business to go over the next year (month, quarter, etc. This takes the "big picture" and makes it more manageable as I can get my arm around quarterly and monthly (and then weekly) objectives much easier than I can the entire year, and it won’t seem as daunting if you plan to take smaller steps toward a larger goal. Now I start with all my expenses, including salary, income taxes, advertising, software, supplies, training, etc. It’s not easy.), I break down the larger goals into quarterly objectives and then into monthly objectives, etc.I’m looking at taking a cruise next year and will tentatively block those days off. As a business owner (or as one who dreams of owning a business), it is critical to take time out to plan for the upcoming time period, be it a year, or even a long-term goal.it takes time and effort to know where I want to be 12 months from now, so I start with some basics. Otherwise, how can you get where you want to be if you don’t know where that is? I usually plan my retreat in late summer - it’s late enough in the current year to have a good idea of how the year is progressing and yet still have enough time to make changes if necessary. * Profit generating. Personally, I use a large write-on/wipe off wall calendar so I can see the whole year at a glance.. Bring a calendar.until several ago when I attended a conference and realized it Perfect custom page design Aesthetic A5 Notebook was okay to start at the bottom and work up.Do you spend so much time working in your business that you never work on your business? The corporate world knows the value of taking time out for a step back, taking time to assess what is going right, what is going wrong and what just plain isn’t going anywhere.to make money to allow you to continue to do the things you enjoy. Record them in one central place; I call mine my "Dream Journal" - it’s actually a sketching notebook with a gorgeous picture of the beach on the front cover. It is critical to build a roadmap of where you want to go. Remember that you started your own business to do what you love, to focus on those things that bring you joy and also.. Bring your "Dream Journal.. and determine how much revenue I need to generate to cover all my expenses plus a profit. If your financial records are a mess, now is the time to straighten them out. Use this list as the starting point of where you want to go, what you want to do and, equally important, what you don’t want to do in the upcoming year.. Bring your financial records Bring your financial records.. I use QuickBooks Online to track my finances - it allows me to track my income and expenses by any number of categories and dates.. Remember the "why". I take a few critical tools and go somewhere alone for a few days where I can sit and reflect on my business as a business, it’s successes and opportunities. This is the best way to get started on your marketing plan. 5.. You don’t need to do something just because "you always do it" or because "you’re good at it" - focus on those things that you enjoy doing! You’ll be much happier and productive - after all, you didn’t go into business for yourself to feel pressured or dislike what you’re doing!.. Your accountant will also thank you come tax time! 2. * Vacation. If you have a laptop, bring it. With the click of a few buttons, I can tell when my peak times of year are, what services bring in the most income (and how that changes seasonally) and what my expenses are. I used to figure out how much money I had (or would have based on an estimate) and then what to do with it. This calculation helps to determine the minimum number of profit generating days I need to figure in for estimating my time and efforts.are there any conferences that I know I want to attend? When are my Mastermind meetings? I schedule my time to step back and review - it makes it easier to have those days marked off.." Bring all those scraps of paper or the notebook in which you wrote down ideas for your business and things that you want to do. This year, for some reason, I felt that October was more appropriate and will be going on mine next weekend. Keep this in mind as you plan and remember to plan some time for yourself away from the business - we all need this to keep things fresh and exciting! It is critical that you take the time to plan what you want your business to be like.. * Holidays..these are the days that I’m working on activities that make money for my business..in whatever form they exist. This allows me to know what’s planned on any given day...
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