Year: 2014

Option # 5 To Save More Money

What can you do to save?

How about buy the things you always buy just like always? Yeah, you can do this. Do the things you have always done – but use a specific strategy to BOOST your savings at the same time.

Now, what is the strategy?

It should be pointed out that we are discussing items you ordinarily purchase on a regular basis. If you use this strategy to purchase things you do normally purchase, you will be participating in marketing only. That’s not our goal here. Our goal is to use your normal and ordinary purchases to boost your savings power.

First, make out your shopping list when you go grocery shopping or clothes shopping. Then, go to the web and use every resource you have to source coupon codes and coupons. Shop around and check prices on the web and compare. Remember that we live in one of the most marketing-based societies in the history of Earth. If you want a product, it is unlikely you have to purchase that product with a specific merchant. This goes for everything from groceries to a dress.

If they don’t offer a coupon code or coupon, be prepared to walk.

Okay. So now we are seeking out coupons and coupon codes. You can do that easy, right? But how do we turn it into actual SAVINGS?

Save-more-money-this-yearTake the amount you saved between what you would ordinarily spend on items you NORMALLY and REGULARLY purchase and shift that money to actual savings. This might be .50 or $12.00. But it represents a constant way you can seek additional savings and harness the power of this over time to blow the doors off your savings!

We also believe that you should negotiate to bring your power as a consumer to the front stage of your life. And put the amount you save in ACTUAL SAVINGS.

Here are a few sites for you to begin your journey:

www.couponmountain.com

www.promotionalcodes.com

www.retailmenot.com

www.offers.com

www.ebates.com

www.couponcabin.com

www.currentcodes.com

www.qponcoupon.com

www.couponcodes4u.com

As always, we are certain to tell you to do your own research and use it as an opportunity to have a game with family members to see who can find the best sites and best deals.

You can also join our little group on Facebook called “Coupons & Coupon Codes.” Share with others what you’ve found. And good luck.

Get in it to win it! You can do it.

YOU CAN CHOOSE

You can choose to take specific and steady actions to change your life, change the lives of your children and change the future of your family tree. Yes, you have the power yourself.
All the corporations, the private equity companies, crooked politicians and rich people can’t stop you if you really have a systematic plan that starts with regular savings and steady investment along with your regular bills.

If you are willing to take the time with your family to make a plan for reducing and then eliminating debt over time, you can gain more control over your finances and you can teach your children how to become wealthy over time.

If you are willing to make people work for the money you spend with them, you can build savings and then wealth.

These things are within your reach. You just have to start and you have to be encouraged.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!…

Don’t Fool Yourself When It Comes To Saving Money?

Do you ever fool yourself?

People do it all the time when they start a diet or when they set a short term goal that may not be realistic.

You’ve likely heard the saying, “We overestimate what we can do in one year and underestimate what we can do in ten.” This is a flaw in regular human thinking. It makes people avoid long-term goals or put things off.

What if you turned it completely around? What if you decided to look at your life in terms of really long-term goals? First, people around you might begin to look at you as crazy. No, seriously, try it. You’ll find that some people you thought were completely smart and sound will begin to tell you that YOU are crazy.

But that’s okay. Just keep it coming.

Set personal savings goals.

Involve your family.

Read magazines like Money Magazine and Kiplinger.

Hang out with people who find ways to save money. You can find them.

Follow people who save and invest regularly so that you begin to think like them.

It is a winning formula that has worked for many. It can work for you.

Develop your plan with your family.

Do it for your kids.

Do it for your spouse.

Do it for yourself.

Do it for the future – but focus on long-term.

You can do it.

YOU CAN CHOOSE

You can choose to take specific and steady actions to change your life, change the lives of your children and change the future of your family tree. Yes, you have the power yourself.
All the corporations, the private equity companies, crooked politicians and rich people can’t stop you if you really have a systematic plan that starts with regular savings and steady investment along with your regular bills.

If you are willing to take the time with your family to make a plan for reducing and then eliminating debt over time, you can gain more control over your finances and you can teach your children how to become wealthy over time.

Save-MoneyIf you are willing to make people work for the money you spend with them, you can build savings and then wealth.

These things are within your reach. You just have to start and you have to be encouraged.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!…

Would You Choose To Be Poor?

Can you choose to save or choose to be poor? Who would choose to be poor, right?

That’s exactly what millions of Americans choose every day. Why? Because we tend to want immediate results or immediate gratification. When you want a flat screen TV, you know exactly what you want. Marketing from credit cards and merchants focus on how easy it is to get what you want right now. Instantly.

Instead, adult maturity is supposed to celebrate preparation, steady strategy for long-term success. Maturity is putting off what you want today for plans that will help you in the long-term.

But let’s don’t get confused. This blog is not about retirement money. It is about saving steady and regularly with every paycheck. It is about slow and steady wins the race. This blog celebrates that you can have a plan and you can help your family reduce and eliminate debt and build savings and investment regularly.

If you don’t believe us, you can take a three (3) month test run with our “1% Savings Plan.” If you haven’t see this, check it out at www.MiddleClassMoney.com or in previous blog entries here or at www.BoostMyWealth.wordpress.com.

The most important advice you will ever get on saving money and investing is this:

Start.

Do it regularly.

Set goals.

Don’t listen to those who say it won’t matter or you can’t do enough.

Focus on the money you save and the money you invest – not simply the money you make.

Believe, as we do, that the money in your checking account is “other people’s money.” Use any excuse to remove dollars to real savings.

Keep your eyes on where you want to be. In other words, find or watch people who have built wealth. Focus on them. As I say, “Get a plan – move ahead.”

The most important truth? YOU CAN DO IT.

YOU CAN CHOOSE

You can choose to take specific and steady actions to change your life, change the lives of your children and change the future of your family tree. Yes, you have the power yourself.
All the corporations, the private equity companies, crooked politicians and rich people can’t stop you if you really have a systematic plan that starts with regular savings and steady investment along with your regular bills.

If you are willing to take the time with your family to make a plan for reducing and then eliminating debt over time, you can gain more control over your finances and you can teach your children how to become wealthy over time.

If you are willing to make people work for the money you spend with them, you can build savings and then wealth.

These things are within your reach. You just have to start and you have to be encouraged.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!…

The Big Purchase For Your Family This Year

17035820_5885What do you want?

I mean, what thing would you like to purchase if money was no object?

Would it be a car? Would it be a watch? An iPad? Something for your kids?

How about purchasing a secure future?

Can you purchase a secure future for your kids?

It only takes a strategy.

People say all the time that they can’t save money. Several years ago my wife and I bought a glass jar to use for collecting the money we simply find on the ground. If you have followed this blog any length of time, you know we are about to announce what we have actually found on the ground in 2010. Last year it was about $62.00. This year I can tell you that we have beat last year’s total. At the end of every year, we cash in the “jar” and put the money we found in a 12 month CD. We have done this for several years now and are making more and more money from “other people’s money.”

SAVE MONEY

You can save money by focusing only on what you are spending. I’m not even talking about reviewing what you spend (although you should review what you have spent in the last three months and see where you can limit spending in the future to save money). I’m talking about your normal grocery shopping or just purchasing the things you normally purchase.

MAKE YOUR LIST

Consider grocery shopping. Make your normal list out before you go shopping. Then, go to the web. Look for coupon codes on every single ordinary purchase. Source coupons from all potential places you can reference. Keep in mind that you are after “shaving” actual savings off of your spending systematically. Take the money you save with coupons & coupon codes and put that money in savings just as if you had spent it. Do this every time you shop for groceries or anything else.

COMPARE

You can also price check and you should be comparing at least once a year where you purchase your groceries with other shopping “environments.” .Only purchase what you normally purchase.

BRAINSTORM

Get your family involved. Work to identify areas where you can save inside your normal spending. You will be shocked what you can find or who will come up with the best idea for saving the most money.

Rick Warren says, “We overestimate what we can do in a year and underestimate what we can do in ten.” The real point to this is how humans think: We get excited about immediate change, but the truth is that most things of value become valuable over time. Your savings is the same.

Set your system for saving regular and steady money from your paycheck and from your checking account (we believe that a checking account is a leaky instrument; it is a money laundering account for “other people’s money”)! Use any excuse you can to take money from checking and push it to savings.

HOW SERIOUS IT REALLY IS

You should have 15 to 18 months of expenses in real savings (money market savings and certificates of deposit). Why? Because it’s not 1977 anymore. Jobs have changed. Corporations have more power and individuals have less. How long would it take you to replace your income if you lost your job right now? Perhaps longer than you think.

Keep reading this blog and we will help encourage you to get 15 to 18 months of expenses in your own savings faster than you think it’s possible.

It’s not how much you make.

It’s what percentage of your after-tax income you are SAVING and INVESTING that will determine the height of your building wealth.

If you have not started REGULARLY and always saving a percentage of your regular income, check out our “1% Savings Plan” at www.boostmywealth.wordpress.com or at www.MiddleClassMoney.com.

Get busy and develop your own family plan. You can do this with your own team (family) members. Set goals. Get involved. Educate yourself and your children on the impact you can have over the next ten years – not just next year.

You’ll be SHOCKED what you can accomplish. Begin.

2011 is coming only moments away. Take advantage of this time and get your family engaged in “the great wealth experiment.” Ask them, “What can we do in the next 12 months?” Set the goals together. Brainstorm together. Make it a game. And change the lives of your spouse and children….forever.

YOU CAN CHOOSE

You can choose to take specific and steady actions to change your life, change the lives of your children and change the future of your family tree. Yes, you have the power yourself.
All the corporations, the private equity companies, crooked politicians and rich people can’t stop you if you really …

What Does Your Family Believe About Money?

Most people think the economy is about how much money you earn in your job. That’s not true.

Most people think they are doing okay if they have a good amount in their checking account. That’s not necessarily true.

Many think it is embarrassing to negotiate or use coupons or coupon codes to save money; this is not true. Smart and rich people use coupons or coupon codes and negotiate to get more out of their money.

Honestly, what do you have to lose by negotiating? Nothing.

Where should you focus so that you are really centered on how to grow savings and then wealth?

Focus on the percentage of your after tax income you regularly put in savings (money market savings and certificates of deposit).

Start with our 1% Savings Plan if you don’t feel you have any room in your budget to start saving cash (see past blog entries or check it out at www.MiddleClassMoney.com).

Save-MoneyWhat you earn is not as important as what you save out of your after tax income. You can also gain extra ground by talking with everyone who sends you a bill. Ask for discounts or reductions in the bill you receive. Be open minded to adjustments so you can reduce your spending and immediately add the savings to actual savings. Don’t just do it one time. Add the amount you saved to a monthly bill to yourself so you can grow savings faster.

Remember that checking accounts are money laundering accounts for other people’s money. Use any excuse to remove any extra cash out of this account and into your money market savings.

People all around you are spending beyond their means. This is future tragedy for their family. You can be different by focusing on how to generate more savings and live below your means beginning now.

We recommend that you work to build 15 to 18 months of expenses in money market savings and/or certificates of deposit.

It is all about developing your own plan to save regularly and invest in your family future.

You can do this if you pull together. Get your family together and start by brainstorming about how to reduce expenses, reduce debt and grow savings. You may be surprised by who contributes what to your overall success.

YOU CAN CHOOSE

You can choose to take specific and steady actions to change your life, change the lives of your children and change the future of your family tree. Yes, you have the power yourself.
All the corporations, the private equity companies, crooked politicians and rich people can’t stop you if you really have a systematic plan that starts with regular savings and steady investment along with your regular bills.

If you are willing to take the time with your family to make a plan for reducing and then eliminating debt over time, you can gain more control over your finances and you can teach your children how to become wealthy over time.

If you are willing to make people work for the money you spend with them, you can build savings and then wealth.

These things are within your reach. You just have to start and you have to be encouraged.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!…