My credit card company somehow got my mom’s phone number and keeps calling my mom. When the representative called again to speak with me, I took the phone call. I knew they were calling to sell me something because I pay my statement on time. I told her that she was calling my mom’s phone number and not mind. She apologized and gave me a 1-888 number to call. I called and had my mom’s phone number put on the Do Not Call list. Hopefully, this clears up the phone number snafu.

If you have credit card debt it could be an advantage. When financial representatives call you they’re calling to sell you something like identity protection or some other product. All you have to do is tell them that you have $5,000 or more in credit card debt and you’re not interested. They may try to press you but all you have to do is reiterate that you owe your credit card company money and you don’t think it’s a good idea to take on more credit card debt. Tell them your main priority is paying off your debt as soon as possible and signing up for a product that costs $30 or more per month is not feasible at this moment.

The next time a representative calls you, nip it in the bud! Tell them you can’t sign up for products right now but to contact you in a year or two. If you’re temporarily living with your parents and credit card companies call their phone number, make sure you call to have their phone number removed. There’s no reason for credit card companies to contact your parents, unless, of course, they co-signed a loan for you!

Rebecca

My thoughts on the Millionaire Mind Intensive…

The weekend of December 4 – December 6, 2009, I attended T. Harv Eker’s Millionaire Mind Intensive. Harv is the author of the #1 Best Selling book Secrets of the Millionaire Mind. His company is Peak Potentials “one of the fastest growing business and personal success training companies in North America.”

I was invited to the event by the organizer of my Master Mind group. I was very skeptical because I’ve been invited to these types of events before and have been disappointed. Most events are nothing but “glorified” sales and marketing pitches. The Millionaire Mind Intensive was different. I was blown away by the event and it was FREE to attend if you were invited by someone. The event is usually priced at $1,295.

The Millionaire Mind Intensive is for those who are “sick and tired of being sick and tired.” You’re tired of having financial setbacks, living in mediocrity, and not knowing why you haven’t been successful in life. You will receive the answers to your questions.

Attending a Millionaire Mind Intensive requires an open mind. There was a lot of “hi-fiving,” clapping, and dancing — mostly by people who went up on the stage. It may seem a little hokey (I thought this), but keep an open mind and you’ll have a good time.

For those who are familiar with Think and Grow Rich, The Secret, The Master Key System, and the Science of Getting Rich will enjoy the Millionaire Mind Intensive. People at the MMI event are familiar with these books and other self-help books. They constantly work on changing their mindset around money and attend the Millionaire Mind Intensive as a stepping stone to the other courses offered by Peak Potentials.

All of us promised that what happened at the Millionaire Mind Intensive would stay at the Millionaire Mind Intensive, kind of like “what happens in Vegas, stays in Vegas.” Again, I was very skeptical going into the seminar, but my mind was changed by Sunday night. I highly recommend you attend a Millionaire Mind Intensive if you’re fortunate enough to receive a FREE certificate. Not only will you learn the secrets of the rich, you will learn what is holding you back in life and business!

Rebecca

What’s stopping your from having a Millionaire Mind?

Many people are not amused by the Comedy Central cartoon South Park. They find it offensive for one reason or another. However, if you watch this hit cartoon, you may learn something. Somehow, some way the writers “weave” a “moral” into the story lines. Maybe the creators Trey Parker and Matt Stone wouldn’t agree with this or maybe they would.

For example, the episode titled Margaritaville involved Randy (Stan’s dad) teaching him about saving his money by taking him to a bank and making him deposit his $100 check that he received from his grandma. Unfortunately, Stan loses his money he deposited at the bank. Randy then steps forward with a plan to save the desperate economy. He informs everyone that it’s their fault because they got greedy and bought things that they couldn’t afford. “No more needless spending!”

Kyle (Stan’s friend) says that, “…people were being stupid and lost their faith in the economy. The economy was made up by people thousands of years ago. It’s not real, yet it is real.” It’s us to us to FIX IT now in order to secure our future. We need to have FAITH in it and treat it with respect.

Kyle EXPLAINS what credit cards and money really are. They’re meaningless. It has NO VALUE whatsoever. Stan explains that credit cards are nothing but “pieces of plastic.” We are the ones putting a value on plastic cards. Money is nothing but paper. We are the ones putting a value on colored, paper money! Until we put our faith in it, the economy is meaningless.

This may be farfetched, but it made sense to me. Many people believe that money is nothing but energy. Read Napoleon Hill or Bob Proctor and you’ll find this out. If you have a “poor mentality,” you’ll attract poverty into your life. Cultivate a “wealth mentality,” and you’ll see the fruits of your labor pay off. Which one do you have?

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Who would like to make extra cash? Not only does extra cash come in handy for the holidays, it’s just good to have all-year-round. Please note that earning extra cash is the key. You will be working. If you are prone to whining and complaining, you may want to close this blog and find something else to read!

Many people think that because some jobs are fun (being an extra in a movie), they do not have to abide by the rules and regulations that are established. This is the furthest thing from the truth. A job is a job. You must adhere to the dress code, hours, and code of conduct established by the organization.

5 Ways to Make Extra Cash

1. Be an extra in a movie. This can be fun and exciting. You may be cast as a “principal extra” and make more money than the “average” extra. Follow the rules such as no taking pictures or speaking to the actors.
2. Work seasonal jobs. Many retailers look for seasonal employers. Hours are usually at night and on the weekends. If you can give up some nights and weekends, you can be rolling in the money!
3. Freelance blogger or writer. Become a freelance blogger or writer. Some writing jobs pay as much as $20 per blog or $100 per article.
4. Sell health and wellness products. The health and wellness industry is a multi-billion dollar industry. You could become part of a network-marketing group of an organization that sells health and wellness products. You could make hundreds and thousands of dollar each month.
5. Affiliate marketing. If you have a blog, this is a great way to make extra cash. The drawback to affiliate marketing is that it can take some time to build up the income before it’s released to you.

You would be surprised how many people complain about being an “extra” in a movie. When you are cast as an extra, expect to wait around for the day. Filming a movie is not a speedy process! Instead of complaining about sitting and waiting, be grateful for being cast in the film. You never know what may come of it. And — you could be in the presence of “A-list” actors. How cool would it be to see these actors do what they do best? Think of the story you will have to tell family and friends!

Finally, these are some ways you can make extra cash. No matter what you do, remember that you will be working. Drop your problems at the door and pick them up when you leave. Your employer does not want to hear you complain and whine. Be grateful you found a job and that you will earn extra cash.

Many people do not use coupons; they think it’s a waste of time. Yet, their savings account and 401(K) are becoming lighter by the hour. The time is now to use coupons. Did you know that Fry’s grocery store is giving consumers double and triple coupons? Like most grocery stores, they have a V.I.P. card that will save consumers money. The bonus is that they are accepting competitor’s coupons.

True, many people will not give up such items such as health and beauty items no matter their financial circumstance. If you’re a woman who uses Oil of Olay products, visit their website for money saving coupons. That’s right, you can get coupons for Oil of Olay’s Definity and Regenerist product lines. The coupons take 6-8 weeks to arrive by mail, but it will be worth it in the end. Visit Oil of Olay for more information.

How many people are familiar with General Mills? If you visit their website, check out all of their brands. Furthermore, if you click on Coupons and Promotions, it will take you to pages upon pages of money saving coupons. All you have to do is sign up and become a member of the Pillsbury Community. It’s that simple and easy. Sign up today and start saving tomorrow!

For those that receive the Sunday paper, it’s usually jammed pack with coupons. Instead of throwing the coupons out or using them to the line bird cage, grab the scissors and start saving at the grocery store.

Another way to save is via direct mail. The ValPak and direct mail magazines you throw away each week, is like opening a window and tossing out money! You never know what’s in that direct mail magazine — are you overlooking a “Buy One Gelato, Get One Free” coupon? Now, that’s a sin!

Quit throwing away money saving coupons. The money that you save on coupons can be put into a savings accounts. Before you know it, you’ll have enough money in the bank and rest easy at night.

Many people are their own worst enemies. When it comes to money, they continue to make the same mistakes over and over again. People fall victim to their own money mistakes. For those who desire financial independence, recognize and eliminate money mistakes today. This way you can start to live a more peaceful life tomorrow!

The majority of people are impulse buyers. They spend more than what is in the bank because of the need to keep up with their neighbors. Some people buy things because they hold a belief that they will feel better. If you’re an impulsive buyer, make a list of the necessities you need to purchase and then go shopping.

Another money mistake people make is not having a savings account. Putting $10 or $20 a week into a savings account will eventually add up!

Many employees do not take advantage of the 401(K) that their employer offers. Most companies will match their employees contributions. Put the maximum amount into a 401(K) account and watch the dollar amount grow over time. Those who save now will benefit in the long run.

Some people rely on family and friends to bail them out. This is a big mistake! It’s one thing to accept help when the situation is dire, but avoid making a habit of it. Family and friends have their own lives and must take care of themselves as well.

A budget is a great tool that will help many people avoid making money mistakes. Budgeting is not that difficult to do. List monthly expenses such as rent or mortgage, utilities, car, cell or mobile, clothing, eating out, and other expenses that appear each month. Start by curbing or cutting out expenses such as clothing, food, and entertainment. Cook at home because it’s cheaper and will keep you trimmer!

Finally, do not let your emotions or past experiences get in the way of making money mistakes. Remember, most people make purchases based on their emotions. Logic seems to go out the window, although not entirely. Take a step back, deep breathe, and put the IPod back on the shelf. Besides, Apple will probably come out will a new and improved IPod next year. The one you buy will be obsolete!

The U.S.’s economic situation is being felt around the world. Last week was the worst week for the stock market. People are bailing out left and right. Is that a wise thing to do? No, it’s not. Fear is like a disease that infests one person and then spreads like wildfire to others. That’s exactly what is happening right now. Americans are scared to death and are salvaging what they can. On the flip side, those with money will find great bargains on wall street and will be able to turn a profit when the stocks go up.

Perhaps the “economic crisis” in America will teach people a valuable lesson or two. First, do not live beyond your means. People who knew they could not afford the $400,000 house are learning that lesson right now. Second, cut back on expenses. Is it necessary to eat out 3 to 4 times week? Why not prepare a home cooked meal with the family gathered around the table? This is a great way for parents to interact with their children and find out what they are doing or not doing.

People who “tighten their money belt” now will save later. How do you save when you have a family of four or are a single person living on your own? Here are some money saving tips.

Tips to Save Money

1. Cut back on going out to eat.
2. Skip the Starbucks, donut shop, or bakery.
3. Carpool if you can.
4. Use coupons. Some grocery stores offer double and triple coupons and will accept competitors coupon.
5. Sell items on Craigslist and eBay. Go through the house and see what can be sold. If something has not been used in a year, it will not be used at all. Sell it!
6. Cut back on entertainment. Wait until movies come out on video and rent them from the video store or library. As far as concerts go, choose one that you will really enjoy. Before you agree to see Motley Crue (that’s another article), remember, it’s Motley Crue. Speaking from experience, go with the Metallica tickets. It will be a better show. Remember, your time is just as valuable as your money.
7. Go to FREE events within your community.
8. Take your lunch to work instead of buying it every day.

Money that you save can be put into a savings account (FDIC insured), Treasury Bills, or Treasury Money Market funds. Be smart with your money and it will take you far. Remember, you are the master of your money; it’s not the master of you.

Saving money is a mindset. You will either save money or not. Most people would like to own their own home, but it may not be feasible at this time. As mom used to say “patience is a virtue.” For now be happy with the things in your life such as good health, family, and friends. You may live in a one bedroom apartment, but at least you are in perfect health!

Bonus

1. Do not grocery shop on an empty stomach! People who shop when they’re hungry usually spend more. Make sure you eat breakfast before going to the grocery store.
2. If products come with a rebate, redeem them, and save the money!

How are you saving money? Do you have any suggestions you would like to share?

Are you caught in the “eye” of a financial storm? If you watched Suze Orman on Oprah’s September 23rd show then you know she is fired up. She gave no sympathy to a couple who is $90,000 in credit card debt. The wife did not want to hear that the right move to make was to sell the house. God forbid the couple move into an apartment. They must enjoy yard work, routine and not so routine maintenance, and the typical house work. Then again, maybe they hire people to do this for them which is why they are $90,000 in debt. For “5 priceless money saving tips by Suze Orman, please visit MSNBC.com.

Clipping coupons is a great way to save money on groceries and personal items. The dollars you save will add up over time. Take the extra cash and put it into a savings account. When you are ready, take some of the money and put it into Treasury Bills and Bonds and Treasury Money Market accounts.

Give up the Starbucks Coffee for awhile. It may seem cruel and unusual, but it will be worth it in the long run. Think of all of the extra money to be deposited into the savings account. Not only will you save money, but reduce time and gas consumption. Plus, cutting down on your drive time will decrease the amount of emissions being released into the air.

Money Saving Links

1. The Dollar Stretcher. Find out how to live better for less.
2. Bank Rate. “Original and objective personal finance stories to help consumers make informed financial decisions.”
3. Money.CNN. Gerri Willis gives you personal finance and savings tips.
4. Woman’s Day. Has money savings tips from finding a cheap flight to how to do-it-yourself household cleaners.

Most Americans are in credit card debt beyond what their eyes can see. Too much indulgence and not enough self-discipline equals a financial disaster. Unfortunately, this can all be avoided with a little frugality.

Now is the time to face the truth of the situation. It will not be easy at first, but once you stop lying to yourself and others it will get better. Do what you have to do for a brighter future. If you have children then you better sit down and face the facts. Is it fair to make your children suffer for your mistakes? This is something to think about now and going forward on your financial quest. A little honesty goes a long way. Get real, get out of debt, and start saving for those rainy days and not so rainy days.

Many renters think about buying a house, a place to call their own. They save a “nest egg” hoping to buy the home of their dreams. But, does buying a home make sense from a financial perspective? Is it a sound financial investment? Can renting help you to acquire wealth? These are some questions that “weigh” on peoples minds when it comes to considering purchasing a home.

According to an article by Jack Hough from SmartMoney.com “Rent is the cost of owning shares with money you would otherwise spend on a house. Houses have ownership costs, too: taxes, insurance and maintenance. Rent costs about 5% of house prices each year if we apply the price/rent ratio of 19. House incidentals often cost around 2%. If you have $300,000 and a choice between spending it on a house or shares, you’ll pay $6,000 a year in incidentals if you buy the house or about $15,000 a year ($1,250 a month) in rent if you buy the shares. But the shares will return $21,000 a year after inflation while the house will return zero. (My numbers work out even better than these. I pay a smidgen less than $1,250 a month for rent, while house prices in my neighborhood are far higher than $300,000.”)

Renting does not have as much responsibility as buying a home does. When you rent, it’s the property management’s job to fix repairs and maintain the property’s landscape. Renting gives you lease flexibility and a opportunity to check out different areas of the city. Once you a buy a home and decide you do not like the area, then you must put the home up for sale and pray to God that it sells straight-away!

Buying vs. Renting Links

1. New Buyer.com. “Learn the tradeoffs, potential money savings and which option makes sense.”
2. Ms. Money. A great site for financial planning.
3. ABC News. Find out the pros and cons of renting and buying.

The bottom line is only you can decide if renting or buying is the best option. Do you want the flexibility of a lease or the commitment of a home? What is your financial situation? Ask yourself these questions before signing your name on the bottom line of either a lease or mortgage loan.

If you desire to make more money or spend a little more, renting may make sense for you. Many financial calculators are available online and can help you decide if renting or buying is the right move. Start crunching the numbers and plan for your future today!