Money Issued SOLVED

Got 30 minutes? Take on some DO IT RIGHT NOW suggestions.

WORRY 1: I spend too much

1. Do it right now: MAKE SHOPPING HARDER. First, delete bookmarked shopping sites from your computer (except this one). Next gather the catalogs by your bed, in your bathroom, on your desk and even the ones that clog your mailbox and call the toll-free number for each and ask to be removed from the mailing list. OR go to www.catalogchoice.org a free service that helps you unsubscribe from hundreds of catalogs.

2.  Open your wallet and remove all but one credit card. I know this sounds hard but you will thank me later. Put the rest of the cards away in a drawer- or cancel them. When you don' see those department store cards looking back at you screaming to take them out and slide them through the credit machine, let's just say there will be less temptation.

3.  Change some of your everyday habits. Plot out the most risk-free routes to and from work and on your daily errands. if lattes are your weakness (as they are mine) that means giving a wide berth to expensive coffee shops (buh-bye Starbucks). If it's clothes, another one of my vices, then steer clear of trendy boutiques.

4. Cut of convenience foods. Walk over to your refrigerator, open it, and take out some baby carrots. Put a handful into five small plastic bags. Toss some almonds or other nuts in five more plastic bags. PRESTO - your snacks for the workweek none of which involve expensive (not to mention unhealthy) packaged foods.

Money Worries

Worry 1: I Spend Too Much
Why is this such a pervasive problem? Credit cards are partly to blame (have plastic, will spend), but it turns out you really were born to shop. Scientists have learned that when you anticipate buying something tantalizing, like a chic cashmere cardigan, your brain releases dopamine, a chemical that helps produce feelings of well-being. “It’s the same stuff that floods your brain when you have sex or eat a big, gooey slice of chocolate cake,” says Jason Zweig, author of Your Money and Your Brain (Simon & Schuster, $26, http://www.amazon.com/Your-Money-Brain-Science-Neuroeconomics/dp/074327668X). Saving money doesn’t trigger the same rush, at least not for most of us. Overspending can also result from poor planning or sheer lack of time — which may be why the average American family spends almost as much eating out ($225 a month) as eating at home ($285). Whether you overspend for fun or convenience, you can break the habit.

Do Right Now:Make shopping harder. First, delete bookmarked shopping sites from your computer. Next, gather the pile of catalogs by your bed, call the toll-free number for each, and ask to be removed from the firm’s mailing list. Or go to http://www.catalogchoice.org/, a free service that helps you unsubscribe from hundreds of catalogs.Open your wallet and remove all but one credit card. Put the rest away in a drawer — or cancel them. When you don’t see those department-store cards looking back at you in your wallet, there’s less temptation to spend.Change some of your everyday habits. Plot out the most risk-free routes to and from work and on your daily errands. If lattes are your weakness, that means giving a wide berth to expensive coffee shops. If clothes are your passion, steer clear of trendy boutiques.Cut out convenience foods. Walk to your refrigerator, open it, and take out some baby carrots. Put a handful into five small plastic bags. Toss some almonds or other nuts in five more plastic bags. Presto — your snacks for the workweek, none of which involve expensive (not to mention often unhealthy) packaged foods. Want to save even more? Start bringing your lunch to work and planning (and shopping) for the entire week on Sunday.

Next Steps:Try cash. You’ve heard this before, but it bears repeating: If you don’t put purchases on a credit card, it’s impossible to spend more than you earn. Next Monday embark upon a week in which you use only cash or a debit card. Then try another week and another, until this behavior becomes second nature.Make sure everything you buy is returnable — from bags to boots to bookcases — and always keep the tags for at least two weeks. That’s plenty of time for the thrill of the purchase to wear off. You can then assess with a clear eye whether you truly need that snakeskin clutch.Find new ways to get a dopamine rush. Sign up for a class you’ve always wanted to take, like salsa dancing or Pilates. And the next time you get the urge to shop, log on to YouTube and watch some silly videos: more entertaining and much cheaper.Read http://www.freemoneyfinance.com/. This blog has an active group of readers who post their own suggestions on everything from overlooked tax deductions to saving money on hotel rooms. Another great source on saving: the book Your Money or Your Life, by Joe Dominguez and Vicki Robin (Penguin, $15, http://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0140286780), which shows how living simply can be the path to financial independence.

What's Eating You - DEBT?

We have all faced the ugly slew of bills we receive every month forcing us to relive all the purchase of the prior month. Uhh, mine looks like an outfit to go out, accessories, oh the perfect shirt I just have to have...a new pair of not-so-needed shoes, dinner out with friends that lead to drink and then some late night munchies. And the list goes on because I tend to spend money on things I don't necessarily need...but more or less WANT. And that is why at the end of every month I get this sick feeling - well that is I used to get this sick feeling. I changed my ways...well the fact of matter is I owed it to myself because if I didn't do it I would be drowning in debt with no room to store all of my stuff.
How did I do it? Debt Management is the way to go. And there are several ways to manage your debt...you can check on the Internet for a Debt Management company, Debt Consolidation etc. There are plenty of them, or you could tighten your belt and do it yourself. It can be done but you need to be able to step back and take a hard look at your spending, and that's the easy part. What is hard comes next, changing your ways. OK so you go to the mall and pick up the things you need GREAT JOB, and then you are at Target and you pick up a few things but you see this great sale on sunglasses and you really WANT them but should you. NO resist temptation!! Remember your debt management plan - stick to it and you can become debt free. If you need additional help find a company that suits your needs...there are plenty. Good Luck it is a tough job but it will lead to financial freedom! Debt Management

Fix Your Finances

With the Mortgage Crisis and the Stock Market falling for the second straight week more and more people are becoming concerned about their finances. Finance Genius provides various tools to help you get your finances on track. There is the Student Loan calculator, debt to income ratio calculator and the one that had my head spinning the impact of minimum payment on credit card tool. They even have a Used Car Warranty. In order to feel stable in this uncertain financial time make sure you get your finances fixed immediately. Go to Finance Genius to find out more and start fixing your finances. Financial freedom will have you telling everyone about Finance Genius.

Make Money From Your Computer - NO JOKE

So maybe you are a fellow blogger and you are looking for a way to not only enjoy your hobby but get paid for it too. Well I have found the answer it's Pay-Per-Post where you get paid to blog. Yes, that's right get paid to do something you love. It's really easy just sign up (FREE) and submit your blog. Once it is approved you start earning money. And I know I am not alone when I say we all can use a little extra money. Now you may think to your self how much can you really earn...well that depends on the offers but I haven't seen one less than $5 and some of them are in the $20 range. So what are you waiting for get out there and start getting paid to blog. Who knows you could earn enough to pay off those credit cards or save for that vacation you have wanted to take....click the link and start earning

Webhosting Anyone...

So I have been blogging for some time now and a friend of mine has been talking to me about my site and how it is managed. He too blogs and if I may say, he is really good at it. He runs a small business, maintains a blog, and still works a full time job. With that being said, we ofter talk about the pros and cons of webhosting. Me being totally hosting illerate turned to web hosting choice which helped me chose the right web hosting solution. The site was really easy to navigate, it asks some narrowing questions and then up pops your solutions. You ultimatley make the final decsion but it gives great suggestions. It made this girl who loves to blog feel a little more tech savvy.