From: ±äÉí°É Áúè
Date: 12/29/2005
Time: 9:09:02 AM
Remote Name: 222.216.163.46
Õ¾³¤ÄúºÃ£¬×£ÄãºÃÔË£¬Çë¸øÎÒ×ö¸öÁ´½Ó°É£º <a href="http://2500221.anyp.cn">±äÉí°É Áúè</a> <a href="http://2529166.anyp.cn">ÁúèͼƬ</a> <a href="http://2543107.anyp.cn">ÁúèÂÛ̳</a> <a href="http://2558601.anyp.cn">Áúè±ÚÖ½</a> <a href="http://2554823.anyp.cn">ÁúèbtÏÂÔØ</a> <a href="http://2500715.anyp.cn">ÁúèÌìÌÃ</a> <a href="http://2548723.anyp.cn">ÁúèÖ÷ÌâÇú</a> <a href="http://2543249.anyp.cn">ÁúèÏÂÔØ</a> <a href="http://2521431.anyp.cn">¹¬Æé¿¥Áúè</a> <a href="http://2556127.anyp.cn">Áúè¼ò½é</a> <a href="http://2523388.anyp.cn">Áúè¹Ûºó¸Ð</a> <a href="http://2542661.anyp.cn">¶¯»Æ¬Áúè</a> <a href="http://2500743.anyp.cn">ÁúèµçÓ°</a> <a href="http://2514953.anyp.cn">±±¾©Áúè</a> <a href="http://2524594.anyp.cn">ÁúèµÄÐÄÇéÈÕ¼Ç</a> <a href="http://2549294.anyp.cn">Áúè½éÉÜ</a> <a href="http://2534591.anyp.cn">´óÂóî®</a> <a href="http://2547566.anyp.cn">´óÂó²è</a> <a href="http://2534232.anyp.cn">´óÂóÓéÀÖ</a> <a href="http://2524671.anyp.cn">´óÂó×ÛÒÕÐã</a> <a href="http://2533653.anyp.cn">´óÂó²è¹¦Ð§</a> <a href="http://2553770.anyp.cn">ËÉʨȮ</a> <a href="http://2542335.anyp.cn">ËÉʨ¹·</a> <a href="http://2520381.anyp.cn">cpnËÉʨÂÛ̳</a> <a href="http://2518411.anyp.cn">°×ËÉʨȮ</a> <a href="http://2522772.anyp.cn">°×ËÉʨ</a> <a href="http://2529941.anyp.cn">ËÉʨȮͼƬ</a> <a href="http://2531550.anyp.cn">ËÉʨÂÛ̳</a> <a href="http://2544676.anyp.cn">ËÉʨ¹·Í¼Æ¬</a> <a href="http://2503363.anyp.cn">ËÉʨÕÕƬ</a> <a href="http://2500200.anyp.cn">ÖйúËÉʨ</a> <a href="http://2530909.anyp.cn">½õÀðÓã</a> <a href="http://2527578.anyp.cn">ÈçºÎÑø½õÀð</a> <a href="http://2554176.anyp.cn">½õÀð¾ãÀÖ²¿</a> <a href="http://2505584.anyp.cn">½õÀðµÄÖÖÀà</a> <a href="http://2523040.anyp.cn">½õÀðµÄËÇÑø</a> <a href="http://2546486.anyp.cn">¼Ùɽ½õÀð³Ø</a> <a href="http://2533560.anyp.cn">½õÀðͼƬ</a> <a href="http://2536629.anyp.cn">ÆæÈðqqÆû³µ</a> <a href="http://2526553.anyp.cn">ÆæÈðqq±¨¼Û</a> <a href="http://2556290.anyp.cn">ÆæÈðqq³µ</a> <a href="http://2513569.anyp.cn">ÆæÈðqqͼƬ</a> <a href="http://2527940.anyp.cn">ÆæÈðqq 0.8</a>
From: Nowshade Kabir
Date: 5/16/2005
Time: 6:39:31 AM
Remote Name: 62.5.207.210
Starting a business online is no longer as difficult as it used to be! Now, there are plenty of interesting business ideas that anybody can pick up from various Internet resources. Startup related cost, which used to deter many in taking action, has become negligible. Many people already started to notice this! According to a recent report GoDaddy (http://www.godaddy.com/gdshop/default.asp has gained 294,368 new sites in just the first 5 months of 2005 while the top four domain registrars combined, including GoDaddy, have gained more than half a million. Mind it! This is not the quantity of domains registered, this is the quantity of websites hosting with them! This recent explosive growth means one thing. Online business is on the rise! So, if you have one or several products to sell to a large geographical area and you would like to start an online business fairly quick but you don’t have much money to spend on it, there are still ways to do so. Using the integrated features of many portals you can start your dream e-commerce site on a shoe-string budget within several hours. I am going to show you how to do this on Rusbiz.com. Sign up Preparation needed: Write an informative, precise but easy-to-read profile of your company in less than 600 words. If your company’s name is less than 12-letter long you are fine. If not, choose a nice name, preferably, by shortening the company name. This you will require for login name. Create a logo for your company. You can do it later if you don’t have a logo as yet. Steps: Register (http://www.rusbiz.com/estorefront.html your company by filling up the membership form (http://www.rusbiz.com/estorefront.html . Choose a membership other than basic. You need an option with the ability to build a web store. Copy and paste your prepared profile. Once you submit the form you will be taken to a page called My Business. Time required: Maximum one hour including preparation. Add products to the e-catalog This step will help you create electronic catalog of your products that you will use on your website as well. Preparation: Take digital pictures of your products. Each picture should not be more than 100 KB. Make thumbnail versions of your pictures. Thumbnails should be less than 10 KB. Both pictures and thumbnails should be of JPG or GIF formats. If your product requires special instructions, schemas, etc., make an electronic copy of them as well. This should be of doc, txt, or PDF format and less than 50 KB in size. Steps: Now from your My Business page click on the “Add Product” button. You will be prompted to "Add Product" page. Next step is to select the correct subcategory, where your product should be listed. First, choose the main category and than keep on selecting the right subcategory until you end up on the final subcategory. This E-catalog is based on USPSC, electronic classification standard, which offers a ten-digit, five-level logical hierarchy for organizing products and services. Once you successfully selected the fifth level subcategory you will be prompted to a detail form. Add all the necessary information about your product. Insert the pictures in the designated places. Once you finished, submit the form. Continue doing the same for all the products. You have just created your first electronic catalog! If you face difficulties, as a premium member you don’t have to go through the steps outlined above, you can just send all the required information to Rusbiz customer service and they will take care of your e-catalog. Time required: half an hour including preparation. Build your web store You will be surprised to know that part of your web store is already created from the information that you have inserted so far! From My Business page click on Manage web store in order to check and edit what you already have so far and what else do you have to do. Your web store has 9 more pages apart from the product pages. The pages are Home, Contact, Company events, Services, Employee information, Company News, Surveys, and FAQ. Preparation: You can gather information for some of the vital pages to give your site a professional look and feel. As the pages are template based, you can edit and insert needed information, whenever you like. Steps: From Manage Web Store the first thing you should do is configure your web store. This means, you have to select currency of your choice, payment and delivery methods. Next you should choose which of the products you would like to display on your home page. I’ll also suggest you to fill up some of the above mentioned pages, i.e. employee bios, etc. This gives your web store a human touch. Voila! Your e-commerce website is ready to go! Time required: Maximum two hours including preparation. Here are the advantages of having a web store like this one: • You don’t need to know HTML • Navigation and editing of your website is easy and simple • You receive instant access to Rusbiz community of thousands of prospective customers • Shopping cart is an integrated part of the package • Membership allows you to sell products through Rusbiz e-marketplace • As a member you are also allowed to use Rusbiz business process management system • You will get access to other useful features of Rusbiz system • Your website will be indexed by major search engines within a matter of days The best thing about this method is you can start with 3 months Simple Membership for just US$ 65! If you need to use a domain name, you can readdress it to your Rusbiz web store. After a while, if you feel that you require a full-fledged e-business (http://www.rusbiz.com/design_package.html website, professional developers from Rusbiz can take care of this as well. As more and more people are getting involved in online business, if you don’t start now, you might miss the boat! So, take action! About the author Nowshade Kabir, is the founder, primary developer and present CEO of Rusbiz.com – a Global B2B Exchange with solutions to create e-catalog, Web store, business process management and other features to run a business online. You can read various articles written by Nowshade Kabir at http://ezine.rusbiz.com
From: Janet L. Hall
Date: 11/6/00
Time: 4:29:45 PM
Remote Name: 4.17.67.20
Organizing Your Finances: - Show Me MY Money: What You're Worth or * net * Worth by: Janet L. Hall
Benjamin Franklin once said, * Time is money *. I think he wanted one to add up how much time they spent on a particular task or job and how much money they might have been wasting.
I do an exercise with my clients to help them discover what their per minute worth is to enable them to see how much money they might be losing because they are disorganized. Such as, if you are doing a non-income producing activity for 15 minutes, you can see how your money is being spent!
It's a very simple calculation.
Your Per Minute Worth Calculation
Yearly income divided by 52 weeks = weekly income Weekly Income divided by 40 hours (or total hours you work per week) = hourly income Hourly income divided by 60 = Your Per Minute Worth
Before you begin to OverHall and Balance your financial area, you need to find out your net worth, and your spending habits. This will help assist you later with your budget, payoffs, or long-term savings. It will also help in guiding you with such things as your protection, investment, income tax, retirement, and estate planning.
Your total net worth is your total assets (what you own or already have saved) minus your total liabilities (what you owe out). I'm not going to tell you this is as easy as figuring out your per minute worth because it's not! It will take time and a commitment from you to determine your net worth.
TIP: I have found the best time to do this exercise is when you are paying your bills. At that time you usually have the information needed to help you calculate your net worth. So, if it usually takes you an hour to pay your bills, tack on at least an extra hour this month for this exercise. For your convenience, print out and use the net worth form below. You will be writing in your totals for each line. For instance, if you have two savings accounts, total your balances first and then write in the total next to Savings Account.
ASSETS Cash Reserve Totals-
Certificates of Deposit: Checking Account: Credit Union Account: Money Market Account: Savings Account:
Investment Totals-
401(k): Bonds: Mutual Funds: Stocks:
Personal Totals-
Art: Boat: Car(s): Furnishings: Jewelry: Other:
Real Estate Totals-
Home: Second Home/Vacation Home: Other Real Estate:
TOTAL ASSETS: $
LIABILITIES
Short-term Debt Totals-
Credit Card Balances: Current Bills Owed: Loans w/terms of six years or less: Taxes:
Long-term Debt Totals-
Loans w/terms of seven years or more: Mortgage(s):
TOTAL LIBILITIES: $
Congratulations! You did it! * Drum roll * Please! TOTAL ASSETS: $ - (minus) TOTAL LIABILITIES: $ YOUR TOTAL NET WORTH = $
Now see if your net worth falls under A., B., or C. below, and see how you can begin to bring some balance back to this area of your life.
A. If your total net worth is half or less of your annual income or you have a negative number you need to REALLY * OverHall * and Balance your financial area!
~~ Pay off some/all debt ~~ Cut back on spending ~~ Stop charging ~~ Start a savings plan
B. If your total net worth is more than half your annual income but less than a few years' income you need to * OverHall * and Balance your financial area.
~~ If you're 40 or under and own a home, you're okay for now <g> ~~ If you're 40 or over and you don't own a home: `` Cut back on spending `` Stop charging `` Reduce debt `` Increase your savings `` Buy a home before retiring
C. If your total net worth is more than a few years' of your annual income, CONGRATULATIONS! Keep doing what you've been doing!
Listed below are some questions to ask yourself now that you know and can see what your net worth equals.
1. Do you have enough cash reserves to meet your needs?
2. Do you have enough protection to provide money for unforeseen emergencies (we talked about this last issue)?
3. Do you have enough fixed assets (usually long-term; bonds are an example) to provide or produce additional income?
4. Do you have enough equity assets (short or long-term; real estate and stocks are examples) for growth and income?
To answer those questions, you need to know what your family and your needs and goals are and then plan how you are going to meet them.
Quick Tips to INCREASE Your Assets:
1. Maximize your 401(k) contribution 2. Start investing 3. Get automatic deduction/deposit from paycheck to savings each pay period.
Quick Tips to DECREASE Your Liabilities:
Credit Cards 1. If you have to use a credit card, use only one major card 2. Pay more than the minimum payment on the credit card with the highest interest rate 3. Stop charging to the highest interest rate credit card 4. Get rid of department store credit cards 5. Don't apply for anymore credit cards
Mortgage(s) 1. Pay a little extra each month towards the PRINCIPAL of your mortgage payment 2. Drop your PMI (Private Mortgage Insurance) when your home equity exceeds 20% of your home's value (talk to your mortgage lender) 3. Refinance mortgage at a lower interest rate 4. Refinance mortgage at a lower interest rate AND finance for 15 or 20 years instead of the usual 30 years. 5. Pay half your monthly mortgage payment every two weeks (talk to your lender)
- I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 1 by: Janet L. Hall
Tracking, planning, and * overhalling * your hard earned money can help you reach any financial goals that you have, help you in getting out of debt, and help you gain back control of your money, your future, and your life.
Dawn Rivers Baker of WAHM & Mompreneur has a great series, * Financial Management 101 * (http://www.wahm-mompreneur.com/finmanage.html) in which she writes, * Managing cash flow is the simple matter of projecting cash receipts and needed cash outlays within a certain period of time - a week, a month, a quarter, a year - ... Good cash management consists very basically of three things: knowing when you need money, knowing where that money is going to come from and knowing where you can get money from if you fall short. With good cash management, you may find yourself with a bit of money left over when you have paid your bills. *
To assist you, in this often overlooked area of one¡¦s life, I have found several generic cash flow/budget worksheets on the Internet, one in which you can enter your figures and it will calculate everything for you. I have listed those links at the end of this article, but please keep reading before bouncing over to them! Just remember that these worksheets are generic and it is up to you to customize them to your lifestyle and habits.
Listed below are the percentages (based on net spendable income, after tithing and taxes), according to Larry Burkett (http://www.cfcministry.org ), that you should ONLY be spending in each category of your budget:
Housing - 38% Food - 12% Automobile(s) - 15% Insurance - 5% Debts - 5% Entertainment & Recreation - 5% Clothing - 5% Savings - 5% Medical Expenses - 5% Miscellaneous - 5% To meet the 8% that you should allocate for school/child care, if needed, you will have to make adjustments of the above categories by an equal amount.
To have a true sense of where you're spending your money daily, keep a daily expense log for at least one month. Enter in everything that you purchase DAILY! Even that .25 cent pack of gum or mints. Get a little notebook that you keep with you and just do IT! This will allow you to see where you can cut back and/or start saving.
For instance, if you buy a newspaper everyday at .50 cents a pop, and a $1 for the Sunday paper, you've just spent $208 for a year of reading what? DO you read the whole paper or just the home or sports section?
If you read the paper at home, does it start to pile up causing more clutter and more of your time to dispose of it?
Where else can you get this SAME information? Maybe on the Internet (if you're reading this, you are probably already paying for Internet service). At the library? Can you read your co-workers? Do you also watch the television news?
How important is it for you to read the newspaper everyday and see $208 go out of YOUR pocket every year?
How much * bad * news do you really want to read and listen to everyday? Be selective! Remember how much your time is worth!
This and your other daily habits are what I want you to take a STRONG look at and see what you can * OverHall and Balance *, see what you are willing to give up, what you don't really need, or what costly habit you can change or cut back.
As Deborah Fowles, financial writer of about.com, stated in her article * Financial Planning *: * To those of you who think you know where your money goes without keeping detailed records, I issue this challenge: keep track of every cent you spend for one month. I promise you'll be surprised and perhaps shocked by how much some of your "small" expenditures add up to. For an eye-opening illustration, try the American Express * Savings or Spending Big Calculator at http://www6.americanexpress.com/401k/scripts/saveBig.asp Enter the cost and frequency of a habit or indulgence and how many years you expect it to continue. Click a button and see not only how much you'll spend over the specified time period, but also how much that same amount would grow to if you invested it at various rates of return. Mind-boggling! *
You might think all of this is too much work, am I right? Well let me ask you, how much work will it be or take when you are retired and have no savings, no investments, no assets, no money, no NOTHING because you didn't control your cash flow?
If you're already retired, how hard might you be struggling because you aren't paying attention to your money?
As Dr. Lair Ribeiro, author of * Success Is No ACCIDENT * wrote, * If you go on doing what you've always done, you'll go on getting what you've always got. *
STOP procrastinating! Get your priorities in line! Get focused! OverHall your cash flow so you can stop worrying about money, stop living from pay check to pay check, stop being late on your bills. Work on balancing your cash flow so you won't have problems or troubles NOW or in your later years.
TIP: The best time to work on this is when you are paying your bills.
Business Owners-The Small Buisness Development Center in your neighborhood will be happy to help you for FREE with your business cash flow!
Websites of interest:
~~ Basic Budget Worksheet at http://financialplan.about.com/finance/financialplan/library/blbudget.htm
~~ Budget Worksheet http://www.moneyminded.com/incomego/start/a7budw15.htm
~~ List of Small Business Development Centers http://www.nttc.edu/assist/sbdc.html
~~ Cash Flow Worksheet http://www.e-analytics.com/fpa2.htm
~~ Managing your Business Cash Flow Worksheet http://www.businessweek.com/smallbiz/lifestyles/text/p06_0100.htm
~~ FREE Exl-Plan Business Shareware to prepare comprehensive financial projecitons, budgets, and business plans http://www.planware.org/exldown.htm
- I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 2 by: Janet L. Hall
Hopefully, after keeping a daily or monthly log of expenditures, you¡¦ve begun to notice your pattern of spending habits. You should be able to see where all your money is going and not just wondering. You should now be able to look at what you can cut out or cut back on.
Why do you need to do this * OverHall *?
Several good reasons could be if you¡¦re having troubles making ends meet, living from paycheck to paycheck, or don¡¦t have any money in reserve for unexpected emergencies. Other reasons could be that you want to buy a home, take a vacation, buy new equipment for your business, go to college or send your children to college. Still other reasons could be that you're self-employed and you need to save or invest for your retirement.
Let¡¦s get started by making two lists, one for your NEEDS and one for your WANTS.
What¡¦s the difference?
Let me give you an example of how I see NEEDS vs. WANTS.
A NEED is something that you NEED to survive such as food, shelter, and clothing.
A WANT is something you desire. Something that you might already own, but you WANT another or a new one such as shoes, or a jacket, or a car. A WANT can also be something that you don¡¦t currently have. As humans, we all have unlimited wants, therefore we must make choices. In economics this is referred to as * opportunity cost *, the highest-valued, next-best alternative that must be sacrificed to attain something or to satisfy a want. Some refer to this as a trade off.
Now you need to ask yourself how much you are willing to spend or need to spend on your needs to survive and are you spending too much? Do your clothes have to be new, with big name labels? Does your home have to be near the water with a hot tub and a swimming pool? Does your food have to be the best cut of meat or dining at fancy restaurants every night? You get the idea?
What about your WANTS? What are you willing to trade off to make your WANTSa reality?
Let¡¦s look for a minute of a WANT of a vacation to Alaska.
You will need to take some actions and ask yourself, possibly, some hard questions, and make some hard decisions.
~~ Do you have to save for this and how will you save?
~~ What steps must you take to estimate the cost of such a vacation AND what steps will or can you take to save for the trip?
~~ How long do you want to vacation?
~~ How will you travel and what are those costs? Planes, Trains, Automobiles? <g> Hike, Bike, Cruise ship?
~~ Where will you stay and what are those costs? Hotel, Motel, Inn? B&B, Igloo, Tent? Friend, Relative, Friend of a Friend?
~~ How will you eat and what are those costs? Bring or buy food there? Eat out? Skip some meals?
~~ Do you need to purchase * special * clothes? Where can you purchase? How much will that cost?
~~ When do you want to vacation in Alaska? Now, next year, five years, or ten years?
Once you find the estimated answers to those questions you¡¦ll need to look at how much you need to save and where in your daily expenses can you cut back.
TIP: Use this type of exercise for any wants you have for your life and business. You¡¦ll discover if you can really turn your wants into reality, if they are realistic and feasible.
Top 10 Tips for * OverHalling * Your Purchases 1. Plan, plan, plan ahead 2. Don¡¦t pay retail 3. Shop at thrift stores, consignment shops, secondhand boutiques, warehouses, or in the slightly damaged department. 4. Get in a co-op or collectively buy with others 5. Don¡¦t shop with your emotions, use your conscience when shopping 6. Rent big ticket items when possible (for instance, if you need to fold 10,000 documents on a quarterly basis or use a saw-zall once a year) 7. Use the library 8. Barter 9. Comparison-shop for EVEYTHING! 10. Don¡¦t buy because it¡¦s on sale or because you have a coupon
Let¡¦s look at some items or habits you can stop this month in order to start saving (Use your items and figures that you had logged into you daily expenditures).
$208/yr ¡V newspaper $72/yr ¡V 1 movie a month at $6 $720/yr ¡V 20 breakfast drinks a month at $4 $48/yr ¡V 1 magazine at $4 a month
GRAND TOTAL of SAVINGS a YEAR=$1,048
In ten years that would be $10,4800
Now, think a minute, what can you do with that $1,048 extra a year or that $10,4800 in ten years?
Get a big jar; water bottle, tin can, piggy bank, or something to start throwing your MONEY into (don¡¦t forget a container for your car).
If you pay cash for a daily newspaper, throw your paper cost DAILY into your container. If you pay monthly, write yourself a check for that cost. Start a new habit by being selective on what you NEED to read and see if you can read it on the Internet or at the library. Can you hear about it on the tv news? Better yet, try a life change and STOP readin gor listening to the news and start making your own * news * to share with relatives and friends.
When you go to rent a movie, STOP, and throw that money into your container. See if the movie is at the library, if a friend has it to borrow, or wait for it to come out on regular tv.
Start making your * special drink * at home in the morning. You are now able to ENJOY your * special drink * because now you have more time because; you don¡¦t have to drive to the * special drink * place, get out of your car, stand in a sometimes long line, wait for your order to be prepared, and guzzle down your *special drink * while sprinting off, racing off, or dashing down the street to wherever you might be headed; NOW you can relax and throw your $4, your stress, problems, and concerns into your container and REALLY ENJOY your * special drink *. (whew, didn¡¦t mean to get off on a rant <g>).
That magazine that comes monthly, that you never have time to read, and is piling up on the table or floor; stop it from coming into your home or office and write yourself a check at renewal time! If you think you can¡¦t live without it, see if a friend gets it and ask to borrow. See if it¡¦s on the Internet or at the library
I¡¦m not trying to tell you to be a penny pincher or a miser. I just want you to REALLY look at where your money is going. Stop, think, and look at how you can * OverHall * your daily expenditures so you can get some of your hard earned money back and bring a sense of financial BALANCE back into your life.
If you find you are spending money on something that TRULY brings happiness, pleasure, comfort, and BALANCE into your life, then don¡¦t give it up. Although you might consider cutting back on that item.
- I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 3 by: Janet L. Hall
Here are my Top 7 Tips Lists for * OverHalling * Seven Financial Areas of Your Life:
Top 7 Tips for * OverHalling * Your Food Purchases 1. Use a master grocery list (FREE at http://www.overhall.com/grocerylist.htm ) 2. Make your morning drink at home 3. Stop snacking from vending machines 4. Carry your own snacks, celery sticks, carrots, broccoli spears, fresh fruit, pop corn 5. Pack your lunch 6. STOP eating out 7. Only use coupons for the products you normally buy
Richard Carlson, Ph.D. gave this wonderful example on how much you can save by taking your lunch to work with you in Don't Worry, Make Money, "For example, if you stayed on the job for thirty years and substituted a $2 lunch for a $7.50 lunch at a local restaurant, the $5.50-per-day savings deposited in an investment club earning 8 percent over thirty years would amount to around $100,000."
That's being conservative!
Top 7 Tips for * OverHalling * Your Transportation Costs 1. Find the lowest priced gas station for your gasoline needs 2. Plan and map out your errands 3. Walk 4. Ride a bike 5. Public transportation 6. Car pool 7. Errand exchange with a neighbor, worker, friend, or relative
You can find the lowest gas prices in your neighbor, if someone has reported in, at http://www.gasprices.com
Top 7 Tips for * OverHalling * Your Reading Costs 1. Go to the library 2. Find and use a used bookstore 3. Find it on the Internet 4. Borrow from friend or relative 5. Co-op on subscriptions and book clubs 6. Listen to audio tapes that you get FREE at the library 7. Read book reviews first!
Top 7 Tips for * OverHalling * Your Auto Expenses 1. Learn to and do your own oil and filter change 2. Keep you car maintained 3. Drop collision and comprehension if your car is paid off 4. Sell your car if the payments are too much and purchase a good, reliable used car 5. Pay off your car loan with a home equity loan and now that once car payment is tax deductible! 6. Change your deductible on auto insurance to as high as you can afford; your insurance premiums will be less 7. Maintain tire pressure and drive the speed limit
Top 7 Tips for * OverHalling * Your Banking Expenses 1. Find out what fees/rates your bank is charging you 2. Find and get the lowest fees/rates 3. Check out online banking 4. Switch to a credit union 5. Reconcile your checkbook every month (toss out the bank statement afterwards.you DO NOT need to keep it) 6. Don't bounce checks 7. Buy checks through a check company NOT your bank
Top 7 Tips for * OverHalling Your Mortgage Expenses 1. Find and GET the lowest interest rate 2. Pay your monthly payment in two week intervals 3. Switch from adjustable to an ARM 4. Drop your PMI (Private Mortgage Insurance) if you have at least 20% equity in your home 5. Pay a little extra on the principle each month or whenever you have extra money (make sure you tell the mortgage company the extra is to be applied to your PRINCIPLE only) 6. Pay a little extra on the principle each month (needed to be said again!) 7. Check into changing your mortgage from a 30 year to 20 or 15 year loan
Top 7 Tips for * OverHalling Your Credit Card Expenses 1. Use only ONE major credit card per person/family (cuts down on paper, tracking expenses, and bills) 2. Get rid of high interest rate major credit and department store cards 3. Get rid of cards that require you to pay an annual fee 4. Check for additional fees, such as transaction fees, late fees, over-limit fees 5. Charge ONLY what you can pay off monthly 6. Prepay before you charge, such as vacations and holidays 7. Pay on time. Don't put the bill in a pile, pay immediately or put with the rest of your monthly bills
Smiles, not Piles, Janet L. Hall
Janet L. Hall is a professional organizer, speaker, and author. Please visit her at http://www.overhall.com and check out her latest booklet, The little Green WHO, WHEN, and WHERE Office Manager¡¦s Booklet.
Copyright „¦ 2000 by OverHall Consulting P.O. Box 263, Port Republic, MD 20676 All Rights Reserved. Permission is granted to reproduce, copy, or distribute so long as this copyright notice and full information about contacting the author is attached.