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If you’re in a career transition with limited financial reserves or up to your neck in alligators from overspending, run to, not from the problem. The longer you carry this issue around the heavier it will get. Choose to implement all of the action items below to immediately reduce your spending. Better yet, make it a game to see how low you can get your expenses…you just might find that less is more.
1. Phones
Eliminate your cell phone and shop around for a long distance carrier with a low rate per minute and no monthly fee.
2. Subscriptions
Cancel newspapers, magazines, and other periodicals. Everything you need is free at the library, accessible via the internet, or on television.
3. Utilities
Turn down the thermostat, use energy efficient lamps in fixtures, turn off the lights when you leave a room, ask your local utility companies about budget billing, and review the many other energy and money saving tips listed at the U.S. Department of Energy’s website.
4. Taxes
If you’re employed, ask if your employer offers a Section 125 Plan or Flexible Spending Program. If so, enroll in the plan as soon as possible to pay your health premium, health expenses and dependent care expenses (if applicable) with pre-tax dollars.
5. Medical
Purchase generic prescriptions when possible and obtain the best price by calling and comparing prices at local pharmacies, increase your medical coverage deductible, and read and understand your medical plan to be a smart consumer of health care services and save dollars.
6. Stuff in your home
Clean up, organize, and simplify your home environment. Hold a garage sale and fill it with the things you don’t use, don’t have room to display, or can’t access easily. You might also consider selling items on eBay. Another option is donating your items to a charitable organization as your gift may be deductible. Your stuff is someone else’s treasure.
7. Meals
If you’re working – take your lunch, shop at a discount grocery store and buy in bulk, cut out the junk food, avoid purchasing prepackaged meals, and avoid eating dinner out. Have you stopped to think that your daily latte may be costing you $600 per year?
8. Fitness
Terminate your gym membership. Try walking, running, hiking, or biking. It’s easier and more convenient to step through your front door and start exercising, plus the fresh air is invigorating.
9. Recreation and fun
Stay home with a good book or rent a video or DVD instead of going to the movie theater. Pop your own popcorn, snuggle up in your favorite chair, and have a fun night at home. As painful as it might be, you could also drop your cable TV.
10. Lifestyle
Money problems are seldom about money but rather emanate from your lifestyle choices. For example, I recently spoke with a small business owner who told me he was in financial trouble and was looking for ideas to save his business. He then mentioned that he was taking his family on vacation next month. He must have felt it necessary to justify his vacation plans because he proceeded to tell me he was taking the vacation in spite of his dire financial situation as it was important to create a positive memory and good time for his kids. I wonder how much he’ll enjoy the vacation when his business is about to tank.
If you’re in financial trouble or see it looming on the horizon, please don’t try to justify spending any more money, cut every expense today and when you’re out of debt start saving and building at least a years worth of financial reserve. It can be done! Good luck.
Pam N. Woods is co-author of a bestselling book, Create the Business Breakthrough You Want: Secrets and Strategies from the World’s Greatest Mentors; endorsed by Ken Blanchard and Dr. Stephen Covey. She is a Coach U graduate and President of Smart WorkLife Solutions, a coaching and consulting company devoted to co-creating customized solutions to fit clients business and personal organizing needs. Prior to founding her own firm she had a successful 20+ year career as an insurance executive and Vice President of Human Resources. For more free how-to articles and advice, or to contact Woods, visit http://www.worklifecoach.com. Copyright 2003 – Pam Woods
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One of the main goals of many network marketers is to become wealthy in network marketing. This is a great achievement and for the most part it is possible for anyone who is dedicated enough to their business to be able to make this happen. There are certain things that you must know if you truly want to be wealthy in this industry and for the most part a majority of network marketers are not aware of what you are about to learn.
Here are 10 things you must know to become wealthy in this industry:
#1 Choose An Affordable Company
This is going to be very important because you want to make sure you choose the right company in the beginning this way you won’t have to worry in the long run.
#2 Master Article Marketing
Article marketing is a very powerful promotional method and skill that you must acquire to achieve success in this industry.
#3 Become Self Motivated
Be self-motivated and never give. Always have a positive attitude and stay focus.
#4 Train Your Downline With Effective & Competent Training
Training your downline effectively to be able to do what you have been able to do is going to be important for their success and your overall success.
#5 Become A Leader To Your Downline
Becoming a leader to your downline is going to be very important because they will follow in your footsteps.
#6 Have The Willpower And Determination To Not Give Up
Having the willpower and determination not to give up is what will help you face the challenges and obstacles that you will come across with along your journey.
#7 Always Keep An Eye Out For Marketing Tools
Keeping an eye out for new marketing tools is important because you are going to have to always be on top of your game and show your downline the new techniques you learn.
#8 Consistent Team Communication And Interaction
Team communication is essential for the success of the team and you must do everything in your power to make it happen. Make sure to always stay in communication and be there if your downline needs help.
#9 Build A Relationship With Your Prospects
Building a relationship with your prospects is going to be very important but keep in mind that the relationship is what will lead into the final close. You must close the prospect at a moment when he has time.
#10 Have A Self-Motivated Downline
This is very important because a downline that is self-motivated is a downline that will consistently keep growing.
Does your JOB let you work in your underwear? Mine does, let me show you how you can make an extra $3,905 every month like clock work from the comfort of your home utilizing a Global Domain International marketing strategy from the co-creator of http://www.Work-In-Your-UnderWear.info
Willox Perez is a 21 year old Internet entrepreneur who is revolutionizing the way most people make money today. He teaches simple techniques that anyone can use to put extra cash in their pockets from their homes.
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