Can you spend less? Of course you can without affecting your standard of living. It is simple to spend less; you just cut your expenses. Just make some small changes to your spending and still have the same or better standard of living. All it takes is changing your priorities and a little planning. Are you interested? Let’s go through each step ...
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Do You Have a Plan?
Do you have a plan? I plan starting with the end or outcome. Would you buy an airline ticket without knowing the destination? Would you get on a bus, if you did not know where it was going? Many young people enter college for all the wrong reasons. A college degree opens up doors, but it is what you do with it that matters!  Some day you will ...
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Cheap or Frugal, which Are You?
Rich people are cheap! I normally avoid generalizations, but here a few examples to prove my point. J. Paul Getty, a certified oil billionaire had a pay telephone in his home, Warren Buffet drives a Cadillac (replaced his 8 year old car last year), and Donald Trump has his wife cut his hair. Sure, you do not have to be rich to be cheap or frugal. ...
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Do you have enough retirement savings?
Do you have enough retirement savings? It should be no surprise than too many Americans have not saved enough for retirement. So much has been written about baby boomers and retirement, but a Los Angeles Times article shows how it is not limited to them. 10,000 baby boomers turn 65 years old every day and will for the next nineteen years! Will ...
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What is Prosperity and how do you get there?
Economic prosperity is not really a road! In fact, it may not be much more than a path. It is not a location and it can only lead you to a goal. It is filled with many curves, dead ends, U-turns, attractions, amusements, distractions and pitfalls. Google or Yahoo maps will not help you get there! It starts with a goal and a plan. It is taking ...
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Annual Checkup – Your Financial Health
Is your financial health important to you? If your answer is no, stop here! I learned a long time ago that I cannot influence everyone so I focus on the people who realize that my information is important to them. An annual checkup involves a physical examination, laboratory tests, vital signs and monitor any changes in health. An examination of ...
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Negotiating Is Easy!
When you ask a question, you are negotiating!   Negotiation is a dialogue between two or more people or parties intended to reach an understanding, resolve point of difference or gain advantage in outcome of dialogue, to produce an agreement upon courses of action, to bargain for individual or collective advantage. Don’t you negotiate all the time ...
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Can You Live without these Things?
I can live without these things and I am okay!! You make New Year’s Resolutions to lose weight, set goals or budget and you need to make choices. So it is a very relevant question!  What will you give up to achieve your goals? It could range from dessert, sleep to exercise, dining out or entertainment. Here are ten (10) things I can live ...
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The difference between a wish and a goal is a plan!
The difference between a wish and a goal is a plan!  About thirty-six (36) years ago, I created my plan to achieve financial independence. I set my goals to reach them in about nine (9) years and I beat it by two (2)! I was laser focused on my goals to the point of having daily tasks and monitoring them weekly/monthly. Life is complicated, but I ...
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If you are not making mistakes, you aren’t doing anything!
If you do not make mistakes, you are not trying hard enough! If you’re not making mistakes, then you’re not doing anything. I’m positive that a doer makes mistakes. (John Wooden) I  saw an interview of Sara Blakely, founder of Spanx (a multi-million dollar undergarment company). She said her Dad asked her every day what mistakes she made. He ...
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