In this world there are the people who rule and then there are those who serve,and I want to know where do you currently fit in.If you serve than I would like to know what are your plans to become a ruler. I know that more often or not we believe that we can not move forward because either your friends and family will say your crazy for trying something new or either because you simply like the courage to march to the beat of your own drum. Just food for thought and I hope everyone has a great 4th of July.
I know that on my site that I primarily talk about money and budgets and all that good stuff but one thing that is just as important as setting goals,making budgets,and spending less is backing up all of your information. I am talking about all your financial records,pictures,and everything in general that you store on your pc. I first heard of Mozy on the Dan Patrick Show because I listen to it daily and I love sports. Mozy is by far the best way for anyone to backup all of their information and if you are worried about it being secure then forget about it because Mozy uses military class encryption. I have an external hard drive that I store some stuff on but the failure rate of hard drives is just ridiculous and now since all of my pictures are either taken on my phone or digital camera then uploaded to my hard drive there is no physical copies. That being said if I happen to loose all of my information on my hard drive then I will loose pictures of my daughters,graduations,weddings and even my on wedding! I signed up for Mozy and have never looked back because I know that all of the important things in my life are covered. I thought it would be worth taking a look into guys.
The first thing I want everyone to do is to take a deep breath and write down everything that you are spendingmoney for on a monthly basis. It is very important to for us to paint a picture of our personal finances so that we can follow the money. I want at the very bottom of the list to write down total coming in and total going out and also the difference between the two. If the number is in the red then we have not time to waste.he first thing I want everyone The next part is like cleaning out your garage and getting rid of everything that let’s face it you really do not need nor have business in having in the first place. You have to have a place to live so your rent or mortgage should be at the top followed by things such as car payment, insurance, utilities (water, electric, etc.) and if in budget cable. You should not have a cable bill over I say $80.00 a month.
Do you really need every movie channel and sports package if you are struggling to put something into savings every month. Credit card payments, department store payments should not be on the list these should be paid in full and cut to pieces. Last time I checked banks offered debit cards that would only allow you to spend money that you actual have. Wow, what a strange concept spending money that you actually have. Now this might be one of the hardest things to do and if you already have a mortgage that consumes say all of your spouse’s income then this will not work for you but it is working for my family. My wife works and I am also fortunate to have a steady income. We were already at the bottom do to the fact we were living outside of our means and the house of cards came crumbling down when I lost my job. We decided that saving would be our number one priority and here was our plan. Let’s say that our total bills where now around $1900.00 a month after we followed step 2 and our combined income was $3240.00 after taxes a month. Well I make about $1900.00 a month after taxes so the answer hit us right in the face.
I would have my wife put 100% of her money into savings and paying down old debts. That way if I lost my job we would not skip a beat. Now I know someone of you will not be able to dedicate 100% of your spouse’s pay to savings but hey why not 90, 80 or even 70 percent. If you cannot do that because of cost of going to eat out and other things then you might want to go back to step 2 and cut some more out. I only make around 14 bucks and hour and my wife is a waitress so please do not tell me this is to hard to do. We have saved $1600.00 alone in the month of January. Now if we can continue to do this then we will never have to worry about debt again. I know that we can all make 2010 the year that we change our credit and our financial situations. I believe that we all have the ability to save more than we spend and build a better tomorrow for our families. I know from first hand that it is not easy , however even though my journey has just begun ,I can already see the end of the tunnel and it is so bright. Good luck to everyone!
I have worked in the Payday Loan/Title Loan industry for a very long time and I can honestly say that this company is one of the easiest to deal with and has very fast approval. I want to be honest and tell you that these types of loans are not meant to be long term financial solutions and that they should ONLY BE TAKEN AS A LAST RESORT! This may be a great company that I highly recommend but bottom line is you do not take out any of these types of loans unless you have a true emergency and plan on paying the money back in a very timely matter. I will give you an example of when I had to borrow some money and unfortunately I went to some local mom and pop place that screwed me royally. I had just started a new job and my car had broken down on the interstate. I get it towed and the guy says that I need a new alternator and that because of the year and model car it would cost me $200.00. So what do I do I go to this place in Nashville which I will not name in fear of a defamation suit,but anyways they say sure we can help and I go with it. A couple payments and lost of interest later I still owed the same amount. This company was not applying my payments correctly which I later learned once I got into the business!Thankfully I got my bonus from my new job and paid the thing off in full. The moral of the story is that money in my humblest opinion should only be borrowed from these types of places in an absolute do or die situation. You do not take them out because you want a new flat screen or little Timmy’s birthday. If however you are in a bind and you are looking for some help then I strongly recommend this company.
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Sometimes in our life’s we do not make the best financial decisions and for those of us who want to purchase a home our past can cost us very dearly. The First Time Home Buyer program was a great opportunity to put some cash in your pocket and walk away a homeowner.You still can buy a home with this method but you will not get the credit. How can I do this if I do not qualify for a mortgage and what bank would lend to me? Good question and the answer is you want. However, that does not mean that you cannot do a possible rent to own/lease purchase. I know this works because a friend of mine did it and our family is about to make a deal for a home. I will explain to you the needed steps and disclose some of the pitfalls and cons of doing this type of home purchase.
