How do you get ahead?

Start early. Get focused. Pay attention to the fundamentals. Don’t listen to the people who say you can’t.

In personal finance, you must save on a regular (and automatic) basis and focus on the long-term.

Make sure you have short-term, medium-term and long-term goals for your family finances. It is a fact that the middle class is shrinking. The alarm in your head should be going off if you are in the middle class.

There are major fears that there will be rich people and poor people only in the United States. The differences will perhaps be more shocking than they are today.

Of course, happiness is not about money. However, the future will be a good place for you to have money.

The best person to build a plan for you to get there is….you.

SAVING MONEY THE EASY WAY

You can save money on your current income. If you have a job, you can put away savings. You just have to set your mind to develop your own plan.

You should work to establish a regular savings (money market) account that is FDIC-insured. Every time you get paid, some money should go into this account. Take a look at our past blog entries to see specifics on how you can establish priorities in savings. It is not as hard or overwhelming as it looks.

Flat OUT: We recommend you build your emergency savings for 2009 so that it represents 15 to 18 months of expenses for you and your family. It won’t happen right away, but you will be surprised how fast savings builds up once you get on an automatic and regular path of saving.

THE #1 WEALTH KILLER IN THE MIDDLE CLASS

Consider your debt.

Break out your debt into categories. Debt is the #1 impairment for wealth production in the United States.

The first and most important category for your personal debt is credit cards. You can’t own credit cards; credit cards own YOU. Work to get your credit card companies – one by one if you have to – to reduce or eliminate your interest rate while you pay off the credit card in question. Beg. Talk with supervisors. Ask for help. Tell them you don’t want to go bankrupt. Call back. Talk to other supervisors. Don’t give up.

Then, begin to look at your credit card debt as what it is: Bad News. Some bad news is bigger than others. So, look at interest rate. Pay off the highest interest rate card first and make the minimum payments on the rest.

SELF-EDUCATION

Take an hour every other day to do research, join a personal finance group, get interested in saving money and other people who do this.

You can do this.

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

We don’t hate credit cards at this blog like some people might suggest. In fact, we think they are a tool that you can utilize. Keep this in mind: using a credit card or debit card increases the potential for you to overspend EVERYWHERE you use a credit card or debit card. Everywhere. That means that while credit cards or debit cards can be a tool, they very likely can harm you as well.

Here are but a few of our tips on credit cards:

If you have balances on credit cards, work to pay them off using our system (read past blogs to learn about this). Your entire goal with credit cards should always be to pay them off consistently and without hesitation. This rule is easy to violate and leads to bad things.

Pay off your balance each month to avoid interest. This may seem like the advice above, but we think it is important enough to repeat here.

If you cancel a credit card – even one you’ve had for some time and paid off consistently – it can negatively impact your credit rating. This is why we recommend you pay off a credit card. Use that paid off card once a month and always pay it off. This will help you down the line with your credit score.

You can always opt-out of receiving those “valuable” pre-approved credit offers sent to you in the mail. 888-5-OPTOUT (888-567-8688).

You can’t own credit cards. Credit cards own YOU. This is a valuable way to look at credit cards and credit card use.

Respect the power of credit by reducing how much you owe and eliminating it. Debt is the #1 impairment when it comes to the production of wealth in the United States. Most people think it is about how much money you make. What matters is what % of your income you SAVE each time you get paid. Saving a regular and automatic amount and building up assets after you have secured your emergency savings fund (we recommend 15 to 18 months of expenses in an FDIC-insured money market savings account and certificates of deposit) is the key to boosting your safety net and building wealth.

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

I met with someone this week who said, “People in this country have had it too good for too long and now many don’t want to work. If you go to any local university, the people getting the higher degrees are not Americans.”

Stark talk, isn’t it? The man speaking advises people all the time for a living and is in high demand. He is from another country, but he lives here in the U.S. He is older and he has seen a lot.

We have to get moving. We have to understand that things have shifted; they’ve changed. Now we have to begin developing our own individual plans for saving and investing.

Americans should be saving 20% of their after-tax income.

We also should also check our debt. Do you know what percentage of your income goes simply to pay debt?

Do you know how much of your mortgage or car note actually goes toward the pay off of each? You should.

Are you focused on saving money? Has your family pulled together because of the financial crises? This could be good for you.

Now is the time to develop your own plan for saving more money and learning to invest. Now is the time to negotiate and to walk away. Use the power of being a consumer.

Don’t you wish there was a 1-800 number where you can call and they will tell you how to increase your savings slowly until you reach the 20% savings level?

Luckily, we have Google. Luckily, we have libraries.

In 2009, it is time to focus on helping your family survive and thrive in this or any economy.

Do your own research. Spend time working for yourself and your family outside your job.

Make the most of your time and work to reduce and then eliminate debt. Seek out knowledge about saving, avoiding fees, negotiation, coupons and coupon codes and any other unique ways you can save additional dollars that can be pushed into savings.

You can do a lot more than you might think. Give it a spin!

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

Many Americans don’t give themselves the option of saving money. They go paycheck to paycheck and many say, “I cannot afford to save.” Recently, our focus has been on changing that mindset to free our fellow middle class warriors to sock away some cash now so that they are not facing poverty a few years and decades from now.

You can save money if you make it a priority. You can find money to save. Many Americans think that things will or may continue the way they have in the last thirty years. However, there is a powerful business structure over the middle class worker that controls and contracts income and opportunity based upon profit pressure in corporate America. We in the middle class must put more strategy into our personal finance lives. This can only be done by developing your own plan for saving and investing.

For us, this begins by recognizing how much trouble we are in, taking action to form your own plan to include the following steps:

Emergency Savings Fun = 15 to 18 months of expenses in money market savings and certificates of deposit.

Reducing and then eliminating credit card debt. (You can’t own credit cards; credit cards own you).

Reducing and eliminating all debt. (Debt is the #1 impairment to wealth for the middle class – not income).

Joining into your company 401k plan.

Begin a Roth IRA or traditional IRA in addition to the 401k.

Start slowly if you have to, but definitely include steady and automatic savings along with opportunistic savings opportunities that will find you…if you let them.

See your checkbook, your ATM and your checking account for what it is: A money laundering account for other people’s money. Do whatever you can to force money out of that account and into savings vehicles. Start small if you have to do so, but work to push money to savings and eventually to what we call The Asset Train™. You can learn more about this in past blogs and in our e-book “How To Survive Any Financial Crisis” (www.middleclassmoney.com).

CAN YOU TEACH MONEY?

We must teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

I need a witness.

People lived for a long time on credit. Credit for this, credit for that. The retail and business world has done everything it can to move us away from real money. A New York City restaurant recently went “cashless.” Why?

Because when you spend with a credit card or debit you are more likely to spend more than you intend or think about. That is why a credit society benefits the merchants you spend money with today. That’s why business has used marketing to move the perception of cash is king toward credit is king. That’s why everything is “credit score” and very little savings has been talked about until the credit crunch happened.

So, what’s the truth?

The truth is: Cash is king.

You can’t own credit cards. Credit cards own you.

Your checking account is a money laundering account for other people’s money.

Stick with us because we want you to have the true path to wealth. It travels not through what you make – the path for wealth is about these things:

1. Savings (how much you save).
2. The reduction and elimination of all debt.
3. The building of assets (slow and steady wins the race).

The truth is: You can find ways to save money. Scroll back through this blog and you can start with the 1% Plan if you like. You can find money (as we explain in “How To Survive Any Financial Crisis”).

The truth is: You can develop your own plan with your own goals for financial growth and security. You can follow us and you can find others focused on the production of value, savings and eventual wealth.

No, it isn’t get rich quick. However, get rich quick is often a gimmick. This isn’t. This works.

And you can do it!

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

You’ve seen those people on TV, right? Pay yourself first! “Pay yourself first!” Don’t they have any bills? How – in today’s world – can you pay YOURSELF first?

Don’t they have kids?

Haven’t they ever seen an unexpected expense?

Well?

When you first start out, bills are small. Unfortunately, the way us humans work it, we rationalize a wide variety of spending that include intersections with marketing and sometimes credit cards. If you read our personal financial blogs, you will quickly recognize that we think the world has turned upside down to make credit king (when it is actually CASH who is king of all things).

The longer you live, the more complicated your life (and your credit and personal finance life) becomes. You make sacrifices and it is easy to end up in hyper debt. Kids come along and more unexpected expenses come along.

Okay. We have to start somewhere. Things may not have worked out (so far) the way you wanted. You may feel like you are behind. That’s fine.

We are going to look at things from the ground up. Saving is not optional. It is something that you have to do. If you decide to spend some time with our blogs, you will be making a decision to build savings and wealth. We don’t do get-rich-quick. We do strategies that work to boost savings and build wealth.

START AT THE BEGINNING – IT ADDS UP FASTER THAN YOU THINK

If you have not been saving, start with our traditional 1% plan. Take a calculator and multiple your after tax income by .01. Take that amount – before any bill is paid – and push it into savings. Then, carry on. Each time you get paid (or once a month if you like), increase the amount by .01. That will mean .01 the first time, .02 the second time and so on. The goal is to phase in savings from 0 (current savings) to eventually .15%.

That is only a starting point. If you sign on with us, you will check in with new negotiation skills and extra savings boosters that most people pass up on their way to poverty.

In the 21st Century, it is all about the consumer. We have the power. If you offer a laptop or a toilet seat at price X and we can get it for less, you are toast. The real personal finance power in your life will come from using savings to push to SAVINGS ACCOUNTS and then (after you have secured the proper emergency savings fun), pushing savings to ASSET PRODUCTION (what we call the “asset train™.”

So, start thinking of interesting ways you can save money. Stop thinking like most Americans. We get our identity from how much we make or what we do for a living. Please! Get your personal financial identity from the unique ways you push money from income to savings and savings to asset production.
You can do it! We can certainly help you develop your own plan for saving and investing.

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

All you get today is my dad’s advice. He’s 70. Today he told me that when the going gets tough, some people will refocus their efforts and take actions that could result in a letdown or growth (or both).

He said most people will look back and say, “I could have done that, but something bad would have happened to make it all turn bad.”

Don’t look back and wish you had done something. Do it.

So, what are you doing about saving and investing? Are you letting the media slow you down? Are you allowing people around you to say that what you do doesn’t matter? Are you allowing “the man” to keep you down?

Make that choice. Start today. Find ways to shave 10 – 15% off your spending. You can do it. Keep coming back here and we will show you how.

We can do this.

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

Most of the people I know allow feeling uncomfortable or embarrassed to stop them from putting pressure back on credit card companies, mortgage lenders, car dealers and the companies that send every day bills to their home. Many people continue to struggle with day to day expenses and feel they cannot save money.

What can be done?

First, credit card companies are never embarrassed to put creepy fees and hard-to-understand documents together for consumers to make it difficult for you to clearly understand how to pay off your bills early or avoid huge increases in both fees and interest rates. You should not show them kindness either. The business of America is generally done without apology in banks, car dealers, mortgage lenders and more. You should not only work to lose your embarrassment and prepare to comfortable in demanding reductions in purchase price, interest rates as well as reductions and elimination of fees – you should teach your children to be hardcore negotiators for everything. They will save potentially hundreds of thousands of dollars in their lifetime.

Wouldn’t you like to give them a gift like that?

There is nothing wrong with seeking the best offers and the lowest interest rates.

GET HARDCORE

If you have credit card debt, consider using this tactic with every bill you currently pay. Review all cards. Split the cards by the higher interest rate cards to the lower interest rate cards. Then, call each credit card company and ask them to eliminate the annual fee. After a week or so, call the credit card companies – one by one – and ask them to halt the interest charged on your card until you have paid the card off. Make sure you spend time telling them about your circumstances (that you have been hit hard by the economic downturn and don’t want to end up going bankrupt). If you don’t get results from the phone operator, ask for a supervisor. Keep after it. It may take many calls over a period of months, but you should work to get concessions that lead to making the “pay off” of your credit card debt easier. Then, research transferring balances to the lowest interest rate card (but make sure to know about fees and penalties – credit card companies can be tricky). If it makes sense and the interest rate will stay low, do it. If you can’t transfer to a “lower card,” stay on the path with your overall strategy. Begin by paying the minimum on all the lowest interest rate credit cards and OVERpay the single card with the highest interest rate so that you pay that card off faster. Then, move to the next highest interest rate card and continue until you have no credit card debt.

You can’t own credit cards. CREDIT CARDS OWN YOU.

Let’s give some hope to your family and build savings, reduce debt and boost wealth. Keep checking in with us and we will do our best to make it as easy as possible to help you build wealth. You can do it!

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

Okay. So you have done the obvious. You have lowered your debt or eliminated credit card debt. You are doing automatic savings, but you always want to squeeze out a little more savings. How to you save more money in today’s economic reality?

Are you ready for this?

Make your own coffee. Brown bag your lunch. Cook at home as often as possible. Buy in bulk whenever possible and make sure to focus on unit price. Buy generic products whenever you can. Use your grocery store plastic bags to line trash cans. Make a list before you do any form of shopping and stick to your list. Eliminate emotion from your buying decisions. Negotiate on everything. You don’t need to buy it from “them.” This is a consumer society.

Of course, pay your bills on time to avoid late fees. Avoid ATM fees – always.

Avoid credit cards with an annual fee and if your current card has an annual fee call the provider and seek to have it removed. If they won’t remove the fee, don’t cancel the card. Put it in a safe and get another card without a fee. Yes, you can’t own credit cards. Credit cards own you.

Do you watch a lot of movies? Get an online DVD membership. They’re cheap and they even deliver to your mailbox. Save on cable (did you know you can get a very basic cable?)! Save on cable – move ahead with online movies.

Here’s a big one: disconnect your land line. That’s right. We’ve all got cell phones.
Goodbye old phone bill I don’t need. Hello additional savings.

Bundle services and shop for the best price.

Check price comparisons before purchasing anything expensive. In fact, check prices before purchasing….anything. Shop, compare, negotiate.

Keep your car as long as possible. Usually we rationalize at some point that we need another car or truck, but the truth is usually that you can get a few more years out of your car. Maybe more. And you will save a ton.

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

So, you want to be a money shark? Let's speed save, shall we?

Buy in bulk
Make your own lunch
Use coupons (but only use them for things you normally purchase and always compare unit costs)
Save automatically (no matter how small you start)
Order free online samples
Work to reduce all interest rates (constantly)
Turn off unused appliances
Shop and compare for insurance at least once a year
Pay your bills online
Buy generic
Keep extra money in high yield savings instead of checking or regular savings and look for the best rates twice each year
Use the library
Re-use plastic shopping bags as trash bags of all kinds
Reduce cable to more basic channels (no, we mean the real basic channels – call the cable company)
Generic groceries
When you go to any store, make a list and only buy what is on your list. Purchase nothing else. Cancel gym membership
Take inventory of your freezer and cupboards. Go grocery shopping only when you have used the foods within the house.
Crockpot cooking. Cuts down on energy use and you have yummy leftovers for lunch or dinner.
Only go out to eat when you have a coupon. Yes, you can find a coupon. The best coupon to seek is a buy one and get one free.
Don’t go shopping hungry.
Avoid the mall. Avoid window shopping on-line. It’s not good for you.
Go over your budget frequently. Keep an eye on the “little money.” You’ve heard the saying that the big money takes care of itself. It’s true.
Eat at Home. You’ll save a lot more than you think.


SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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

What do you get pure joy from doing in your life?

A new cell phone? A new book? A new flat panel TV?

To be successful become successful with savings as a centerpiece in your personal finance life, you must retool to gain some joy from the passing of time and development of savings. What do I mean? I mean that you should try to get joy from monthly savings statements. Slow and steady wins the race. It’s not just a saying – it’s real.

Steady automatic savings can give you joy because it can create a safety net for your family. It can give you opportunity down the road and security that you would not otherwise have without steady savings.

Think about the purchases that give you joy. You know what they are. Someone told me that you can’t really ever be satisfied about the things you want because there are always new wants.

Of course, a lot of this can be addressed by “balance of life.” Life isn’t about money. However, money gives you options in your life and you should not make saving money optional. It isn’t.

You should be saving 20% of your after tax income. If you’re not, spend some more time with this blog or our Facebook group (below).

Get to know the joy of saving money. You will be glad you did.

SAVE MORE THAN MONEY

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

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