George Tak

Author: Joy Scuri

The Secret That Can Change The Future Of Your Family

Family Joy Scuri

family-homeThis is your chance. A real chance for you. A real chance for your family. Are you ready? If you have not had your own serious savings program, you are standing on the edge of an opportunity that can change the path of your wealth and eventually the path of your children and family line.

Wow. That’s a lot, right? What does it take? You have to have several elements:

You must begin. And you must continue.

You must be committed to regular and steady savings as a percentage of each paycheck you receive (based solely on after-tax income).

You must recognize that time cannot be sped up during this process and that the important factors are: Steady and regular savings with commitment and patience to “stay the course.”

You must include your family members (especially your children who are likely to come up with the best brainstorming ideas about saving more money and reducing debt and/or spending).

If you fear you cannot save money based upon your income and your bills and expenses, you may wish to being 2011 with our “1% Savings Plan.” This can be found in past blog entries or at www.MiddleClassMoney.com. This is a steadily growing savings plan based upon 1% in the beginning and growing to 20% so that you don’t experience a shock to the system of growing your savings regularly.

It is also recommended that you review your spending every six (6) months to see if there are areas where you can identify savings and reduce spending in the future.

We also recommend you look at your bill paying like a business does and work with those who bill you to reduce the monthly amount. When they reduce your monthly outlay, take the amount you “saved” and push it toward a new monthly savings amount. Save that amount each month as if we didn’t reduce your bill at all. This grows your savings “pie.”

While this is not a get rich quick strategy, it works.

It works.

It will grow your savings. Your family will engage in thinking differently about money and you will see opportunities to save more clearly.

You can do this. When you do, you will feel empowered as a consumer and empowered by the appearance of more options for you and your family.

Please remember that you must start. You must be committed. You must involve all family members.

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!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
All on Facebook – join. It’s free.…

Easy To Spend, Easy To Save

Save Money Joy Scuri

What are the ways you can save money?

You can save using coupons or coupon codes FOR THE THINGS YOU NEED. If you use coupons or coupon codes for things you don’t need, you are PARTICIPATING IN MARKETING. So, make your “shopping list” first. Then – always – go look for coupons or especially coupon codes for the things you are going to purchase ANYWAY.

Finally, take the amount of money you SAVE by using the coupons or coupon codes and add it up. Now, take that amount and remove it from your checking account AS IF YOU SPENT IT on the items you purchased. Put that amount in an actual money market savings account. This is a strong way to build in more savings that you think quickly.

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If you use a debit card, check with your bank to see if they have a program that rounds up your purchase amounts and puts the “extra” in savings. If they do, enroll. Then, make sure you move the money to a money market savings account where it can earn at least some additional interest.

Be willing and committed to NEGOTIATING for everything as a way of life. Make it a game. Be open-minded. Don’t accept that you “have to purchase X at a specific retailer. This is an open and consumer-driven society. If they won’t negotiate at place Y, go to place X. They can sell you the same thing….often for a little less.

When you save through negotiation, make sure you move the amount you saved from your checking AS IF YOU SPENT IT to purchase the item. Put it in money market savings.

Review your cable bill and your cell phone “package.” Tell them you need to reduce your bill by 12 – 15% (companies do this all the time). Be patient. Tell them you really want to continue to be their customer. Be willing to talk to supervisors. Be nice. Be willing to call back again and again. Take the money you SAVE and put it in ACTUAL MONEY MARKET SAVINGS.

Want more examples? Go to www.boostmywealth.wordpress.com or www.MiddleClassMoney.com.

Remember: If you start to brainstorm with your family about ways to save extra money, YOU WILL FIND EXTRA MONEY TO SAVE. You can do this.

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!…

Start Your Plan Now

Save Money Joy Scuri

People always have good intentions. Did you ever notice? We all want to be skinny. We all want to be rich. We all want to achieve.

Most people won’t start.

If you don’t have a steady and regular savings program, you could be in more trouble than you think. However, it is easier to save regularly than you might think and you don’t have to save a huge amount of money to get on the right path. When you save regularly (with each paycheck), savings builds faster than most people think.

I like the saying, “We overestimate what we can do in a year and underestimate what we can do in ten.” Why? Because it shows how easy it is for us to give up. Once you understand that long-term is the only way to focus for higher success, your short-term progress will build faster than you think.

Consumers are pulling back on long-term purchases and the savings rate in the U.S. has gone up quarter after quarter, but it is starting to drop again. Why? Maybe it is like one of those diets where you try to lose (or save) a ton of weight. Doing too much at once causes rebellion.

Here’s the bottom-line:

You don’t have to save so much. You just have to do a steady and regular job of saving money. Start with our “1% Savings Plan” if you want to begin slowly. If you are unfamiliar with this, check it out in previous blogs here or at www.BoostMyWealth.wordpress.com. Or you can check it out at www.MiddleClassMoney.com.

It’s almost 2011. 2011!

Time to BEGIN a regular savings plan for your family.

What if you lose your job? What if you have a health issue? How long would recovery take you in an economy with almost 10% unemployment?

You should work to build 15 to 18 months of expenses in emergency savings today. Don’t have that? Don’t worry. Set goals. Start with our “1% Savings Plan.” Brainstorm with family about ways to save money. Look at every expense and work to reduce it by 12 – 15%. When you get a reduction in a bill, apply the money you “saved” or reduced to a steady savings program.

It will add up faster than you think.

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

Big Purchase Joy Scuri

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?

Saving Money Joy Scuri

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!…