Recession Survival Guide Sale Ends Soon

That's right, the sale price of $13.95 is ending March 1st. That is the last day you can get this well researched and referenced book at its sale price. It is the book of our times helping everyone who has bought it so far. It comes with a Full 60 Day Money Back Guarantee, and I have yet to have anyone feel the book was not worth the purchase price.  After March 1st the price will go up, and from the input I've received, it will not go to its full price of $22.95.  As has been pointed out to me, there are too many people who are struggling who can benefit from the information in this book. I've decided to only raise the price to $19.95 after March 1st, which is still affordable. 

Buy Your Copy Today, before the price goes up!

Budget For Your Future

When was it that you sat down and really thought about your financial future? People are busy these days and you think "well, I'll have time to do it later." You're dead wrong. It is NEVER Too Late to start saving money!

If a 25 year old puts in $2.00 a day into a savings account ($60.00 a month), by the time you reach 65 he'll have a million dollars. However, what is a million dollars these days - really? It's practically chump change with the rising cost of living, especially housing.

So you have to make a budget to save for both emergencies and the future. Don't expect Social Security to kick in, they're having problems already - much less when you get to retirement age!

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

1. Make a list of all your monthly income.
   
   
2. Then make a list of all your expenses.
   
   
3. Subtract your expenses from your income. Hopefully you come out ahead and not spending more than you make. If not, then you need to make smart decisions on which expenses are a necessity and which are not. 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, making adjustments to your budget. And then at the end of each month, figure out where your money went, especially unnecessarily. Did you go out to eat more than once a week? Did you buy your lunch instead of bringing 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. Pay yourself first!  Even the Bible says, 'God helps those who help Themselves.'  It's not being greedy, it's being wise!
   
   
6. Consider other options besides savings. Perhaps invest in a 401k or an IRA. Check with a financial planner to see which one would suit your needs and financial situation 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, the emergency fund is there for you!

It takes self-discipline and the desire to want to have financial independence. Apply these easy techniques and you'll be on your way!

Surviving in this recession

We are all looking for ways to make ends meet, especially during this Recession. I keep saying the same things everyone else seems to be telling people. Maybe no one is listen and that's why there's so many of us saying it. Here are some short tips for you.

Six quick tips:

1. adopt money saving habits that fit your needs and family
2. keep a spending log to see where your money is going
3. follow a budget, incorporating your spending log
4. buy things from a second hand store, not everything needs to be new
5. mend or repair things to make them last as long as possible
6. keep a change jar you deposit into your emergency fund

Need I really say more at this time? I will be posting something longer soon. Until then, pinch your pennies, stop spending like there's no tomorrow you really don't need more stuff and become debt free for pete's sake.