Month : August 2010

Announcements

Book Giveaway – Come get’em

A Rainbow Of Books

Time to get rid of some back stock of books. Here’s what I’m giving away:

I do buy used book so they aren’t new per se but they are in great condition. However they may have some writing but nothing that would turn you off. I’ll be picking six winners with the first person getting the first pick and so on until the last book.

All you have to do to enter is sign up for my RSS feed or my weekly email updates and leave a comment below letting me know, that’s it. If you already subscribe let me know in the comments.

I will give an extra entry for each of the following. Be sure to let me know which ones you did in comments

This giveaway is only available to those in the U.S.A because international shipping can be a…..well you can figure it out. The winner’s will be chosen by random.org and I will contact you by the email so make sure you enter an email you will check when you sign in to leave a comment. The contest ends Friday 9/3/10 at 11:59pm EST. I will contact the winners and they will have 48 hrs to respond and then I’ll select a new person to receive the book.

What are you waiting for, go win a book.

photo credit: Dawn Endico

Mind Over Money

Don’t Let Yourself Drown in a Sea of Financial Stress

sun spot

Turn on the news, read the newspaper or talk to a friend.  There is no avoiding talk of financial trouble these days.  It can get kind of overwhelming.  Many are wondering how they are going to pay their bills.  Times can be especially stressful for those trying to find work.  How can we manage financial stress in these uncertain times?

Control What You Can

Financial Stress can be especially difficult as it can seem that nothing is in your control.  Sure you can’t make your employer give you more hours or fix the economic troubles that surround us.  However, you can control some things.  You control over how you use your money.  You can pay your bills on time to reduce late fees.  You can choose not to use credit cards for everyday purchases.  Choosing to control your finances puts you in a position of control.  This will lead to reduced stress.

Organize Your Life

Think for a minute about your bills.  Where do you keep them?  Many people simply have stacks of unorganized bills and financial papers.  This can also increase your stress levels.  It can be difficult to know how much money you have, what you owe and what you have spent.  Take a few hours and organize your finances.  Knowing where everything is will do wonders with helping you control your stress.

Don’t React

Stress can cause many different reactions in people.  Some shut down when they feel overwhelmed.  This can lead to missed work and lower wages.  Others choose to shop their stress away.  This leads to high credit card bills and financial trouble.  When you notice that financial stress is leading you to destructive behavior stop it.  Make yourself choose to pull through the stress rather than letting it destroy you.

Enjoy Simple Pleasures

Times are tough.  From the look of things, this isn’t going to change any time soon.  Find ways to enjoy simple and inexpensive pleasures.  This can be very relaxing.  Throw a movie night.  Go for a walk.  Play with the dog.  Watch a sunset.  Make a great dinner.  The options are endless.  Take time out of your day to de-stress and do the things that you love.  Learning to enjoy life in spite of financial difficulties will help you to weather these difficult times.

How do you make sure to not get stressed out about money?

photo credit: rappensuncle

Guest Post

The Benefits of Online Banking

Money 411 is a personal finance blog provided free from AccountNow prepaid mastercard. To read more articles, visit AccountNow at www.accountnow.com.

The revolution of the Internet has brought about a lot of changes in the way that people live their lives and that becomes clearly evident when you talk about the advent of online banking. Taking care of finances online has become a very convenient tool for people that helps them save time while still affording them the opportunity to stay in their homes and conduct their business from there.
One of the biggest advantages that online banking has brought about is the ability to pay for many of your everyday items with a prepaid Mastercard. These debit cards are loaded using funds from your personal savings or checking account so you don’t have to worry about carrying around paper money or checks any longer. A prepaid Mastercard makes it simple to shop on the go, and they are truly revolutionizing the way that people choose to pay for their goods and services.

Not only is banking online convenient from a time-saving standpoint, but it also becomes useful if you are in a different part of the country and need access to your account. All it takes is simply logging on to a computer to find out where your account currently stands. This is also where having the prepaid Mastercard comes in handy because you are able to check your available account balance online.

A final benefit that makes online banking so attractive is the wide array of services that banks provide when you login to your account. If you want to manage your stock portfolio, check your IRA, or invest some additional funds in a CD, all of these tools are available to you when you bank online. This is just another example of the way in which the Internet is changing the way we conduct our own personal business.

Money 411 is a personal finance blog provided free from AccountNow prepaid credit cards. Money 411 offers information and advice on credit repair, saving money, banking alternatives and more. For read more articles from Money 411, visit AccountNow at www.accountnow.com.

Friday Night Likes

Friday Night Likes

Happy Friday. How’d your week go? Mine went by pretty fast, which is always good.

I’m still climbing in the Alexa rankings, I’m right around 129,000 and I have you all to thank for that. Thanks for reading and I hope you’ve enjoyed.

If you haven’t yet be sure to sign up for my free eCourse “Jump Start Your Financial Future“. You will love it.

And you may or may not have noticed things look different around here. I’ve been working a lot to get this place looking good and I think I finally have the look I’ll keep for a while. I’m still working out a couple of things here and there so if you pop in one day and it’s all messed up it’s probably cause I’m breaking stuff. Let me know what you think about the new look.

Now on to the Likes:

@MoneyMatters How To Get Free Financial Help Online

This is a great source I wish I knew about a while ago.

@GRSblog How to Replace Six Vital Documents

Ever accidentally throw away your birth certificate? Me either, but if you did this post will help you get a new one and some other important documents.

@Monevator Are you richer than your kids, or poorer than your grandchildren?

I think children are always more well off than their parents because they have a chance to learn from their mistakes. The only problem is not everyone learns from other people’s mistakes all of the time…..like this guy (points to self).

Yakezie

These are the member posts for this week. Check them out to get to know some of the Yakezie better.

@Yakezie

Yakezie Member Post – Budgeting in the Fun Stuff

The Millionaire Nurse Blog: AKA Dr Dean’s Baby!

Yakezie Member Post – Jesse from Personal Finance Firewall

Yakezie Member Post – Consumerism Commentary

Yakezie Member Post – Jason from One Money Design

@ProvidentPlan Carnival of Personal Finance #271 – The Secret to Successful Budgeting eBook Edition

Great carnival this week. Be sure to check out all of the posts….including mine :)

@CooltobeFrugal Preparing for a Baby – What Do You Really Need?

Babies are expensive…enough said.

@DeliverAwayDebt The Debt Destroyer – Categories

Jeff made a great video on choosing categories in his Debt Destroyer system and talks about the categories he uses.

Win Something

@Bucksome Your Turn for Swag Giveaway

@CentsibleLife Chocolate Indulgence giveaway from Oikos

Friday Cool Links @BitRebels

The Funniest Friggin Chatroulette Reaction Ever

Introducing The Reusable Toilet Paper Roll!

How To: Create A Paper Toy Your Brain Won’t Comprehend!

LCD Enhanced Engagement Ring Box To Ensure A Yes!

The Solar Powered Toothbrush: No Toothpaste Required!

I just want to end the week on a happy note so watch this video and enjoy your weekend…ps it’s NSFW due to language so watch yourself.

I found this video @MattChevy F**K YOU

Mind Over Money

The One Asset You’ll Always Have

In Search Of Lost Time

The first thing we own as a person when coming into this world is, you guessed it, is time. There have been many situations in which both I and you have used the phrase “I spend my time doing x” and neither of us has realized how the way we think and speak affects our life. The first action is born at the level of the mind known as the subconscious and it becomes motion in a couple of Nano seconds leading to action.

Invest it

Instead of “spending time” we should choose to “invest time”. We should invest time in activities which make us feel better physically, mentally and emotionally. If we focus on being healthy we will be able to enjoy life more and also work more which in turn will mean more money into our pockets.

If we invest time in reading about personal finance then our mind will grow and we will know how to pay ourselves first and protect the money we work so hard to earn by learning to work smarter not harder. If we have a balanced personality we will be in a good mood and have a nice positive vibe which will attract more wonderful opportunities and people into our lives that will mentor us on how to become wealthy.

To be wealthy means to be successful on all the levels of your life: family, career, personal level of development, social relationships and financial status.

The way you invest your time as a person will determine whether you will be poor, belong to the middle class or be a part of the exceptional people known as rich.

Use it wisely

Most of us after a whole month of work are tempted to go spend the money that is left over after taxes and bills are taken care of on various treat or activities. We love to spoil ourselves and we all know it. Instead of eating this big piece of candy at the end of the month take that small sum of money and put it away in a savings account. Delay gratification! If this piece of candy makes you feel so good about yourself now, imagine how good it will make you feel when you have six times as much and decide it is time to increase your income by investing the money into something that will raise your standard of living.

Take a course about something you always wanted to learn and get certified! Switch your line of work to what you have always wanted to do and begin making more money. Now that you are certified you will begin to receive more offers and you will notice an increase in monthly cash flow.

You are one of the best

The truth is the majority of people we call rich are people like you and me. The portrait of the billionaire no longer resembles to a corporate suit that works 18 hours per day and drives to work in the most expensive foreign car just because he loves to attract attention.

The modern day billionaire is a person that had a normal life growing up, some even mediocre. They had no special talents or didn’t benefit from the whole education package and decided it is time to make their own way in life, so they learned about personal finance.

Personal finance is not about spending money, but about how to keep as much of the money you make as you can. The first investment you should ever make is in yourself.

Take the time and the money that you’ve made today and invest it in yourself so by the end of year you will have made even more money! In case you have noticed that I have said the end of the year instead of tomorrow that is because the process takes time. Stay true to the principle and put in the work and you will be on your way to wealth!

How do you use your time wisely?

photo credit: bogenfreund