Knowing others is intelligence; knowing yourself is true wisdom. Mastering others is strength; mastering yourself is true power.
#thriveorsurvive
Lao-Tzu
Tag Archives: freedom
Are You Budgeting (Correctly)?
22 JunAre you budgeting (correctly)?
Now I’m sure most of my blog readers are used to my stupid questions. You see I don’t write for the savvy. I don’t even write for the lost. Most of the time I’m just writing to keep my mojo going. You see, writing keeps me. sharp. And the more I write the more my belief in ME grows. I’m building on my commitment. I refuse to fail. Most of you do too I’m sure. And so I ask-
Are YOU Budgeting Correctly?
Budgeting to most people involves rent, food, con ed, cable, and maybe car expenses. But if your venture is a home based business have you added that to your cost? You should. You have committed to wealth and freedom and this may be the most integral step.
-Budgeting is a daily experience.
Your budget is a living thing. It should be monitored and engaged daily. I would go so far as to suggest you look at it daily. I check my accounts daily to see what bills are pending, which are paid, and so forth. An additional benefit to this is unauthorized transactions are caught rapidly. Timing is everything with identity theft so being on top of spending will only help you.
-Budgeting is a lifelong process.
When you budget you should begin by listing all forms of income. Your next step is to list all your debts. Next calculate the values to see if you are in the red or if your in the black. You need to know this to gauge levels and create a start point in your budgeting plans. Savings, insurance, HMOs and so forth all have to be added to your deductions if you add to them monthly or bi-monthly.
Your saving account(s) and 401ks etc shouldn’t be touched but counted in your net worth. Remember establishing the baseline not only shows you the budget you need but gives you a framework that your venture can build from and then expand beyond your original vision to encompass an entire lifetime.
-Budgeting for life is only half the game.
You can’t simply budget for the regular occurrences. Life will throw you numerous curve balls. So why not work some cash into an emergency fund? Being ready is being smart. Nuff said.
-Budgeting for your business is Budgeting For Success.
If you have a budget already I salute you. If you don’t start one. It will help you immensely. Being aware of the factual numbers will give you peace of mind and a way to frame your needs and separate them from your wants. Work out what you must spend. Add in the amounts for savings, emergency funds and so forth. And enjoy the rest. Also make sure you tithe or give to charity. It ALWAYS builds your business better than you would imagine. BUT if you don’t budget for your business the rest is almost worthless. You wouldn’t open a McDonalds without cash right? So why would you start a venture, mlm, etc without expecting to put money into it. You have to spend money to make money. If you don’t want to- it won’t work. Just quit now. Seriously. If your business requires an auto-ship, and you are serious about it- budget for it. Don’t overdraw. Don’t grumble about a few less dollars for beer. Quit. If you refuse to fail- Awesome! Now budget for your success. The money you spend on a business or venture is an investment in yourself. It isn’t money down the drain. Its a physical and monetary commitment. Be proud of it.
Parting thought: are you dissatisfied with your autoship?
Your venture? Or yourself?
Think about that. You might not be an entrepreneur. Nothing wrong there. You might not like the product- find one you believe in then. But being your own boss, making your own hours, and never having to say no- I need that. And I bet you do too.
#thriveorsurvive
Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat.
Changeinadvance@gmail.com
@changeinadvance
Or simply reply to this article.
#thriveorsurvive
Are you budgeting (correctly)?
21 JunAre you budgeting (correctly)?
Now I’m sure most of my blog readers are used to my stupid questions. You see I don’t write for the savvy. I don’t even write for the lost. Most of the time I’m just writing to keep my mojo going. You see, writing keeps me. sharp. And the more I write the more my belief in ME grows. I’m building on my commitment. I refuse to fail. Most of you do too I’m sure. And so I ask-
Are YOU Budgeting Correctly?
Budgeting to most people involves rent, food, con ed, cable, and maybe car expenses. But if your venture is a home based business have you added that to your cost? You should. You have committed to wealth and freedom and this may be the most integral step.
-Budgeting is a daily experience.
Your budget is a living thing. It should be monitored and engaged daily. I would go so far as to suggest you look at it daily. I check my accounts daily to see what bills are pending, which are paid, and so forth. An additional benefit to this is unauthorized transactions are caught rapidly. Timing is everything with identity theft so being on top of spending will only help you.
-Budgeting is a lifelong process.
When you budget you should begin by listing all forms of income. Your next step is to list all your debts. Next calculate the values to see if you are in the red or if your in the black. You need to know this to gauge levels and create a start point in your budgeting plans. Savings, insurance, HMOs and so forth all have to be added to your deductions if you add to them monthly or bi-monthly.
Your saving account(s) and 401ks etc shouldn’t be touched but counted in your net worth. Remember establishing the baseline not only shows you the budget you need but gives you a framework that your venture can build from and then expand beyond your original vision to encompass an entire lifetime.
-Budgeting for life is only half the game.
You can’t simply budget for the regular occurrences. Life will throw you numerous curve balls. So why not work some cash into an emergency fund? Being ready is being smart. Nuff said.
-Budgeting for your business is Budgeting For Success.
If you have a budget already I salute you. If you don’t start one. It will help you immensely. Being aware of the factual numbers will give you peace of mind and a way to frame your needs and separate them from your wants. Work out what you must spend. Add in the amounts for savings, emergency funds and so forth. And enjoy the rest. Also make sure you tithe or give to charity. It ALWAYS builds your business better than you would imagine. BUT if you don’t budget for your business the rest is almost worthless. You wouldn’t open a McDonalds without cash right? So why would you start a venture, mlm, etc without expecting to put money into it. You have to spend money to make money. If you don’t want to- it won’t work. Just quit now. Seriously. If your business requires an auto-ship, and you are serious about it- budget for it. Don’t overdraw. Don’t grumble about a few less dollars for beer. Quit. If you refuse to fail- Awesome! Now budget for your success. The money you spend on a business or venture is an investment in yourself. It isn’t money down the drain. Its a physical and monetary commitment. Be proud of it.
Parting thought: are you dissatisfied with your autoship?
Your venture? Or yourself?
Think about that. You might not be an entrepreneur. Nothing wrong there. You might not like the product- find one you believe in then. But being your own boss, making your own hours, and never having to say no- I need that. And I bet you do too.
#thriveorsurvive
Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat.
Changeinadvance@gmail.com
@changeinadvance
Or simply reply to this article.
Image
2
Jun
While bloombergs picture is cute and shocking from a health perspective. This guy is only doing it lower costs. And that is semi admirable except that saving $ at the cost of individual freedoms and choices is a nazi/communist maneuver.
Sorry bloomberg
Image
11 Money-Saving Strategies (via cnbc.com)
4 May
11 Money-Saving Strategies
In challenging economic times, people look for different ways to save money and clean up their finances. It pays to educate yourself so that you can make informed decisions about budgeting, investing and other aspects of your finances. While the biggest savings come from limiting your spending to the cash in your wallet, the trick is to set reasonable goals.
Simple steps, such as paying off your credit card balance each month to increasing your contribution to your retirement account, are attainable and worthwhile goals. A good approach is to start with a few things that are so easy to fix that you’ll stick with the program.
Another way to save is to take a second look at big-ticket items, such as insurance. For example, switching from whole life to term will save money and increase cash flow.
You may be surprised how quickly these changes can add up to real money in your pocket.
Read on for more money-saving ideas that can improve your financial position in the months and years to come.
Link
10 Things You Must Know Social Security Insurance was established in 1935 as a financial safety net for older Americans. Eight decades later, all Americans pay into the system, with Social Security the largest source of income for citizens age 65 and older. During 2012, nearly 160 million workers will continue to have 4.2 percent of their pay deposited into the Social Security Trust Fund instead of the usual 6.2 percent, according to a statement from the IRS based on the Temporary Payroll Tax Cut Continuation Act of 2011. The program is based on contributions that workers make into the system. While you’re employed, you pay into Social Security; when it’s your turn to retire you receive benefits. You can start your Social Security retirement benefits as early as age 62 or as late as age 70 (if you were born in 1960 or later, your full retirement age is 67). Your monthly benefit amount will be different depending on the age you start receiving it. The amount of money you receive from Social Security is based on a number of factors, including how much income you earned throughout your working years, the year you were born, and the age at which you file for benefits. If you claim Social Security early, your benefits will be reduced by a fraction of a percent for each month before your full retirement age. Even if you’re not approaching retirement, whatever your age, or income, Social Security is a part of life that impacts us all. Staying aware of the changes in this important government program will help you be better prepared, in both your present and future financial planning efforts. The following 10 points are based on best practices recommended by the U.S. Social Security Administration of policy website.
4 May
5
Dec
Do you know the difference between enduring your life and living your life?
We all want to make it. Most of us grind, but is that living?
I’d say no. I don’t want to just work and go home et al.
I want to set my own schedule, my own pace. I don’t want to make time for my kids- I want my time to be for my kids.
I don’t want to take vacations based on the municipal schedule and rotation.
I want to say. Goodbye to seniority and unions. Goodbye to sick leave and someone watching my results.
Anyone reading this ever find they acheive more when they are self-motivated?
Wouldn’t you run faster without the whip?
An example from real life for my conclusion: Google- yeah that big billion dollar mega company- they wear what they want and come in when they want. Alternate side parking, meal time logistics- these matters are put to the side in the name of achievement. People like going to work.
Now if you know you are being hounded and the boss can’t do anything as long as you meet the minimum requirements- will you give your best? Will you be result driven, goal orientated and focused? Or will u simply count the hours until u sign out?
tee site
silverfreedom
tee pic and site
Changeinadvance 