Friday, November 26, 2021
Here is how one person I know does it:
Get a Seeitbigger calendar planner from Walmart. Write down every paycheck on the day it comes in and the amount. Write in every bill on the day it is due. I do this 2 months in advance. In a 5 subject notebook date four pages per paycheck. On one page write a list of all ills that must come out of the paycheck. (refer to your planner calendar) and add them together. Include amount for groceries, one for gas. Add anything, not in those 3 categories that must be paid out of the paycheck. Hopefully, it is less than the paycheck. If not get a side income coming in or reduce somewhere. On another page divide it into 4 large boxes by drawing a large cross. Label box 1 as Bill's, box 2 is groceries, box 3 is gas, box 4 is miscellaneous. Everything spent out of the paycheck must be written down in a box so you can see where your money is going. I try to pay most Bill's first. The other two pages work like a running check register. Look at your balance every couple of days. Write down what you are spending. It helps me to have a 3 in 1 bank account with direct deposit. 10 % is deposited in account 1 for tithes, 10% in account 2 for savings and the rest in debt to pay Bill's. If you don't know your set amount to budget for groceries or gas then get a notebook and keep a 2 monthly journal of spending to get an average. Remember to calculate things that come up once per year like a pet's yearly exam. Another reason is to use a calendar planner and work your budget ahead as much as possible so you won't get caught off guard.
Tuesday, November 16, 2021
- They have no VISION.
- They ignore their DEBT.
- They do not have an Emergency Fund.
- They do not TITHE.
- They spend more than they earn.
- They INVEST more in STUFF than in themselves.
- They put today's happiness BEFORE their financial future.
- They do NOT know how to say NO.
Wednesday, November 10, 2021
On A Zero Budget
Virtually every one of the richest individuals on planet Earth will verify, that the most powerful concept for the accumulation of wealth is Compound Interest HANDS DOWN!
In fact, even with notoriously low paying websites for taking surveys or collect from free faucets, we can accumulate a sizable balance in a few short months that will keep growing and if you stick with me, I will show you (right here on this page) how I have been doing it, absolutely FREE! On this site do not gamle. You will most likely loose.
Now Logon and maximize the free rolls they give you by clicking on More and select Profile on the top menu. Click the bar that reads DISABLE LOTTERY AND INTEREST and check the box to disable lottery, but leave disable interest unchecked. This is just one of the adjustments that help me earn more.
Go back to the Top Menu and click FREE BTC and scroll down the page to click the Roll button
SUCCESS, You should see a notice that you just made money without spending a penny!
O.K. I admit, when you first start it's only fractions of a penny and most people who sign up quit before they realize there is serious money to be made here if you work your way up as a Premium Member and invest in their growth with all the free money you can find. For example, the screenshot above is probably higher than you will see for a while, because I Redeemed some of the Free Reward Points I earned to activate a couple of Bonuses on every free roll I make for the next 24 hours.
The best plan, is to use other Free BTC websites to earn Satoshi and withdraw them into this account for faster growth. To build a big snowman, you would probably start with one small snowball and keep packing more snow on it until it reaches the size you want, right?
One example of this is Satoshi Hero where in four months I earned over 120,000 Satoshi and withdrew it directly into my Freebitco.in balance where I could use it to buy more FUN Tokens.
Actually I didn't buy them, I just deposited my Satoshi (like dollars spent on a CD at a bank) and in 90 days I get it back with Interest. Then I deposit it all back to earn Interest again on the larger compounded balance without lifting a finger.
I just got paid for all the FUN Token deposits I made this summer, so I invested them in more FUN Tokens that will pay compouded interest as shown in this chart below.
If you plan to spend extra time browsing online to find more Free Bitcoin, you should get setup with the free Cryptotab Browser. I just started using this myself, so I am not earning much yet, but it really is much faster than the stock Chrome Browser and there is no additional cost, so why not?
Since I started compounding a few short months ago, my results have blown me away and they just keep getting better. Remember, this all came from free money I earned online by clicking for pennies.
And this was 1 month later on September 24
I have made quite a bit on Bitcoin, but I often had to let it lie dormant for months until it went up enough to withdraw, but with FUN Tokens they only go up or down by a couple of pennies worth and all the while keep earning interest for me. As if the earnings are not enough, owning over 12,500 FUN Tokens makes me a Premium Member with more special perks (like free Wheel Of Fortune spins every day) that earn me even more and the longer I hold them the more they grow.
Here are just a few of the better rewards I won spinning.
Quick Start Today by registering for a free account with Freebitco.in and click More to select Profile so you can Disable Lottery (to double the Reward Points you earn). I set the alarm on my Smartphone where I installed their App to remind me to go back every hour and punch that free roll. This runs a lot smoother once you get into it and takes very little time and no money. If you want to follow along with what I do, click my signature and sign up for my free email list.
Benjamin Franklins "A Penny saved is a penny earned"
Monday, November 8, 2021
Thursday, October 28, 2021
Step 2. Save up to $1000 for an emergency fund. (This works for me for things like a new tire to replace one that blew, a new battery for the car when it will not start, a replacement water heater when the old one quits, an unplanned trip to the doctor). If you look at a tire and it is getting close to being replaced this is not an emergency, you still have time to put aside money for the tire. Having an emergency fund means you do not have to pay for something with credit.1: List your debts from smallest to largest. (ignore the interest rates) 2: Make minimum payments on all except the smallest one. 3: Focus on paying off the smallest debt with every extra dollar you can get. 4: Repeat the process until each debt is paid off!
Monday, October 25, 2021
Sunday, October 24, 2021
“Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.”William A. Ward
Sunday, August 22, 2021
This was shared on Facebook. Names are removed to protect the privacy of the writer.
Another Family is debt free
As of April 16th, my family and I are debt free!!! It was just in time to welcome our third child and change our family tree forever! We sold 2 vehicles, our dream home and many, many other items. I picked up a part time job for 6 months (until Covid hit), and we stayed gazelle intense the entire 19 months and 10 days of Baby Step 2. God provided for us the entire way (and still is)! Being on the other side of our mountain of debt feels amazing! If you’re currently on Baby Step 2, stay on course and don’t give up! Being debt free is well worth the sacrifices to get here.
Saturday, August 21, 2021
The only thing a credit score does is to rate how well you handle debt. Those items that are commonly reported to the credit bureaus are mortgage payments, credit cards and loans. Some utility companies have begun to report monthly payments.
The only thing a credit score does is to measure how well you handle debt. It is used by banks, credit card companies and companies that have their own credit cards to determine your risk level for extending credit.
A poor credit score can affect your ability to obtain some jobs. For instance if you have a low score you may have problems in obtaining jobs in the financial world and organizations that require a security clearance. Many companies today run a credit report when you are being hired. The item they are looking for is late payments.
You do not need a credit score to get a mortgage. A mortgage company can do a manual underwriting where you produce your financial records for them to see historically how you handle your income and spending.
If you are having financial problems we can help you get on the right track by providing you with a plan to have financial peace.
Monday, August 16, 2021
Names are not shown to protect the privacy of the writer. This was a post on Facebook.
My tired self just drove 40 miles to the bank (I live in the sticks) to deposit the last bit of cash tips to finish baby step 3.
Sunday, August 15, 2021
A post from Facebook
Getting out of debt is hard work. Here is a message in social media that I read on how one gentleman worked toward getting out of debt. In advertising the phrase "try it you'll like it!"
Wednesday, March 10, 2021
Wednesday, February 24, 2021
Saturday, February 20, 2021
Tuesday, February 16, 2021
Did you know that the majority of the population would be able to save much more money every month than they think? When you think about all the non-essential things you buy, it’s pretty easy to believe! According to the long-proven 50/30/20 rule, you should set aside:
- 50% of your budget for essential expenses such as housing and food;
- 30%—maximum!—for non-essential spending;
- At least 20% of your income should be put into savings.
When you think about it, it’s a pretty logical way to manage your finances. Unfortunately, too few people take the time to make a detailed budget and think about it.
Here are some facts from 2018 about how Americans’ money relates to the LivingFacts website:
- 12% of Americans said they could not cover a potential $400 expense. 61% said they could afford the $400 in cash or equivalent, while 27% of Americans said they would have to borrow the $400, or sell assets, if the opportunity arose;
- 36% of Americans say their retirement savings are on track. 44% say they are having problems, and the remaining 20% are unsure about the state of their savings;
- 64% of Americans owned a home, while 27% rented one, and 9% had other arrangements;
- The average annual salary of an American can be divided into three different types of expenses: 33% for housing, 16% for transportation, and 13% for food;
- Only 47% of Americans with a credit card say they have been able to pay their bill in full every month for the past year. 26% say they have had a balance on their card a few times, while 27% have a balance most of the time;
- 82% of married people say they are doing well financially, compared to 66% of single people. 78% of married people with children under 18 are doing well, compared with 52% of single people with children.
Business Insider even goes so far as to say that many Americans plan to work until they die and not retire because their finances are so precarious. More precisely, 37% of Americans think they will have to work until they die, while 34% of them plan to be able to retire around the age of 80.
It is therefore quite clear that the financial health of American society in general is more precarious than one might think, especially considering that even people who manage to save do not in fact save enough.
With our best saving tips article, though, you will be able to get to your goal quickly and, who knows, maybe you’ll have a little more leeway for your non-essential spending in addition to planning your retirement properly!
Sunday, January 31, 2021
My family often goes shopping for different products including clothing, food and small appliances.
When is something a good value and when is it a poor value. My wife often likes to purchase things she thinks she will need in the future. Many times we use the item but as time goes on some of the things that are purchased are never used. End result, the items she has purchased that are never used are a poor value. Just because something is on sale it is not a bargain if you do not use it. It becomes a waste of hard earned money. Before you purchase something that is on sale be sure that you really need it. I can look in my garage and a spare room that we have in our home. There are many things that we have collected over the years that we do not need and the items were used very few times. My suggestion is when you are thinking about purchasing something make a list of the reasons why you need the item. Then make a list of reasons not to purchase the item. The reasons you put on either list is anything that comes to mind. Go hog wild with your reasons. When you get done count the number of reasons on each list. I give everything on the list to purchase 1 point. Every reason on the list to not purchase an item gets 2 points. If the list not to purchase has more points then we do not purchase the item. Another method is to wait for a day and see if you still need the item. If you still think you need the item, wait 2 more days. On the 3rd day if you still need the item the wait 3 more days. If you can say you still need the item then go ahead and purchase it. One caveat, be sure that you do not use credit to purchase the item. Only use cash. This way you do not incur debt. Our plan to control our money is to avoid debt