Budget For The Future

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Tips and tricks to save for the future and build up a nice nest egg for retirement. Following these simple methods will ensure that you have a nice little cushion for yourself no matter what your income!

investing, personal finance, savings, money, budgeting, budgets, retirement, retiring, save money, income

Have you sat down and really thought about your financial future? I know people are busy these days and you think “well I’m young now and I’ll have time to do it later.” You’re dead wrong. You are NEVER too young to start saving for retirement!

They say if a 25 year old puts in $2.00 a day into a savings account ($60.00 a month), buy the time he reaches 65 he’ll have a million dollars. However, what is a million dollars these days – really? It’s practically chump change with rising housing and cost of living expenses.

So you have to make a budget to save for the future. Don’t expect Social Security to kick in, they’re having problems already – much less when you get to be that age!

Here are some strategies to help you save for the future and your retirement:

1. Make a list of your monthly income. Include everything from your wages to gambling winnings, child support receive, alimony, and any other income you get every month.

2. Then make a list of your expenses. List everything you spend from your utilities to your cell phone bill. Also your child’s violin lessons, pet expenses – everything.

3. Subtract your expenses from your income. Hopefully you are coming out ahead! If not, then you need to make smart decisions on which expenses are a necessity or a luxury. Do you really need a cell phone, or is it just convenient? Discipline yourself now and you’ll thank yourself later!

4. Do this for several months. And then at the end of each month, figure out where your money went that was unnecessary. Did you go out to eat more than once a week? Did you buy your lunch instead of making a sandwich from home?

5. Put 10% of your income into a savings plan. This is the “rule of thumb” amongst investors on just how much you should be saving a month. If you make $3000/mo. then you should be saving $300. Pay yourself first!

6. Consider other options besides savings. Perhaps invest in a 401k or an IRA savings plan. Check with your banker to see which one would suit your needs and financial situation the best.

Really that’s all there is to it! Never take money out of your savings for frivilous purchases like a new pair of shoes or to go to a movie. That is for your future! However if your car needs a new transmission, this nest egg is there for you!

It just takes a lot of self-discipline and the desire to want to have financial independence. Just apply these easy techniques and you’ll be on your way!

Hawaii Bankruptcy Law $10.00 Astonishing Alternative

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If you can set aside $10.00 and invest it into a proven program that can create financial freedom for you in 60 days would you consider it as an alternative to filing for the Hawaii Bankruptcy Law? There is an alternative available to YOU right now that will not only give you back your good nights sleep but also carries no negative consequences along with it like taking action on the Hawaii Bankruptcy Law does.

hawaii bankruptcy law

If you can set aside $10.00 and invest it into a proven program that can create financial freedom for you in 60 days would you consider it as an alternative to filing for the Hawaii Bankruptcy Law? There is an alternative available to YOU right now that will not only give you back your good nights sleep but also carries no negative consequences along with it like taking action on the Hawaii Bankruptcy Law does.

In the next few minutes you are going to discover a simple system that can get you out of debt without any work on your end and can be implemented immediately anywhere in the world. In as little as 1 hour from now, you will know how to create a FREE online account that can clear up ALL of your existing debt in 2 months and then go on to establish the wealth you want throughout this year so you can start enjoying your life again.

Before we discuss all the details that this opportunity has to offer YOU AND YOUR LOVED ONES, let me share with you quickly why I wrote this article in the first place. I have been helping people improve their finances for the past 10 years and working online since 2003. I recently did a search on Overture to see how many people are looking to file for bankruptcy in the hopes that I could help and I was saddened to see that Hawaii Bankruptcy Law was searched for over 10,000 last month. This fact could provide you some comfort in knowing that you are far-from-alone in the situation you face and that there is someone out that who is looking to help you turn your finances around today.

I have made it my job to present you with an a-s-t-o-n-i-s-h-i-n-g alternative to filing for the Hawaii Bankruptcy Law because I have been blessed with financial freedom and have access to important information that you may never even knew existed since your debt must be foremost on your mind. It should put your mind at ease to know that the system I am going to tell you all about in a moment costs a lot less than Hawaii Bankruptcy Law filing fees, works faster than the preceding process and allows you to not only keep your current assets but will create more wealth then you’ll know what do with in less then 1 year!

Did you read the last line?

“Create more wealth then you’ll know what to do with in less then 1 year?

Hard to believe BUT true and I am going to prove it to you.

The only thing you have to do is invest the next half an hour studying the system I am about to share with you and then you can decide whether you are going to act on the advise that can create financial freedom faster then anything else out there or choose the Hawaii Bankruptcy Law as your only other alternative. The solution I offer is not only the more affordable way to go but could quite possibly be the most exciting opportunity you will ever encounter in your life. It was the best decision I ever made along with over 48,329 other every day people facing the same situation you now are and I would be happy to help you every step of the way while getting started.

If you can afford a cup of coffee every morning then you will have no problem finding the necessary funds to participate in this program. You can start with as little as $10.00 and turn it into $9,567.06 within 1 year or start with $20.00 and make more then the Average Yearly American Salary which is $39,795.00. Would $39,795.00 eliminate most of your existing debt?

Did you know that it could cost as much as $200.00 just in filing fees and take up to 6 months before finding out if you have been approved for bankruptcy discharges? The same $200.00 and in 6 months with this system can create $231,537.66 profit in your pocket. Of course, you would be responsible for taxes but there will be A LOT left over for paying off your debts, spending on relaxing vacation and anything else you desire.

Don’t believe me…then you do the math and see for yourself that what I am saying is accurate.

STEP 1:
Go to http://aurumgames.com/calculator.php and type in $200.00 in the DEPOSIT box. Next, type in the number 3 in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button.

If you typed in the figures I provided you should have come up with a Total Value of $1,178.32.

Remember, we are going to have to repeat this process 2 more times for a total period of 6 months to prove my point above.

STEP 2:
Now, go back to the top of the form and type $1,178.32 into the DEPOSIT box. Next, type in the number 4, because your interest has range has increased due to the new amount, in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button.

If you typed in the figures I provided you should have come up with a Total Value of $12,395.49.

STEP 3:
Once last time, go back to the top of the form and type $12,395.49 into the DEPOSIT box. Next, type in the number 5, because your interest has range has increased again due to the new amount, in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button.

If you typed in the figures I provided you should have come up with a Total Value of $231,537.66.

Now do you believe me?

We are talking over TWO HUNDRED THOUSAND DOLLARS HERE so if you did not take those 3 simple steps above please write them down and prove it to yourself when you are finished with this article.

I am personally involved with 2 such powerful programs and the interest rate ranges we used in the example above ARE real!

I invite you to take an eagle eye look into this precise program by going to www.lazy-way-to-wealth.com and ask yourself seriously before considering taking action on the Hawaii Bankruptcy Law, could this be the answer you have been hoping for? If you answer with a WHOPPING YES that this is the p-e-r-f-e-c-t program for eliminating YOUR present debt problems, then please e-mail at theprovenpath@optonline.net and put “Hawaii Bankruptcy Law?in the subject field so I can better assist you personally.

Please feel free to e-mail me anytime at theprovenpath@optonline.net if you have any questions pertaining to this article.

Best Wishes and Wealth Your Way!

Jamie Briggs

Funny Ways To Save Money

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Some of these funny ways to save money have actually been used. Some never should be.

ways to save money, save money, funny

There was a list of funny ways to save money on a “frugal living” website. They weren’t necessarily meant to be funny, but were gleaned from real suggestions sent in. Some cheapskates don’t seem to notice that an extra hour at work might put them further ahead than many hours of penny-pinching.

The following are real suggestions, and then there are some funny ways to save money that you really shouldn’t try.

Funny Ways To Save Money – The Real Suggestions

One person suggested ways to save money on weddings that included picking up the leftover flowers at a cemetery. I’m not sue how you can tell which are “leftovers.”

Another creative penny pincher found a way to save money on a car wash. He washed his entire car using the squeegee at the gas station.

A woman confessed that she has the kids stuff their pockets with the free ketchup, salt and other condiment packets every time they were in a fast food restaurant. That’s not all, though. She actually had the kids squeeze ketchup and mustard from the packets into regular jars of ketchup and mustard, and claims she hasn’t bought these condiments in years.

To save money on an umbrella, one man suggests going to the lost and found department of any large public library. Tell them you lost a black umbrella. They will have several, from which you can pick the best one and claim it as your own.

Call people long-distance when you know they won’t be home. Leave a message for them to call. That way, they pay for the long-distance call.

Funny Ways To Save Money – Don’t Try This At Home

Don’t pay baby sitters! Get young couples who are thinking about having kids to “rent” yours for the evening. They get to see what it will be like, and you can get paid instead of paying for sitters.

Turn off the TV and all the lights to save electricity. Tell the kids it’s a game of hide-and-seek.

Train your dog to beg for food from strangers, so you won’t have to buy dog food.

Rub pine needles under your arms instead of buying deodorant.

Take extra napkins from fast food restaurants to save on toilet paper.

Borrow your neighbors toothbrush instead of buying your own.

If I write a book on ways to save money, funny or not, will I make much in sales, or will everyone take my suggestion and borrow it from the library instead of buying it?