One Step to Letting It Go!

Be real with yourself. Things aren't like they used to be. You have gotten in a bind. You're no longer 16 yrs old and all your money is yours. You have rent or mortgage, car note or car notes, insurance, food, light, gas, water, home phone and/or cell phone, credit cards, etc. You're an adult now. You haven't won the lottery and it doesn't look like there are any relatives who have won the lotto! You're living off of credit cards. Buying bread at the gas station. Skipping one credit card payment to pay the other! You can only go so far during the weekend and weekdays because you have to have enough money to go to work and come back. You even contemplate driving to church. Why? "That's extra gas!" is what you say, right?

It's time to face reality. Lay it out there. Write all your expenses on paper. You say you know where you stand because you think about it all the time. That's why you can't sleep well at night! So, yes, you know what you pay monthly. It's all in your head! That's great but you NEED to write it down on paper. Yes! YES! YESSSSSSSSSSS! Do that now........I'll wait.

It didn't take you long because you know it. You ponder over those bills frequently. Now just don't write the creditor name down. Write the creditors' name, total amount due, due date, AND minimum amount. It's painful. You may cry. Growth is painful. Hence the name growing pains. It's time to face the music. That which you resist, will persist is what JoAnne Barnes,NSD of Mary Kay Cosmetics says. So, face it. Yeah, FACE IT! You've taken your first step to getting back on top! You will be there! You were there before!Take one step at a time. Get ready for your next step soon!

Save $5k..Here's How!

I know you've always wanted to save some money to have during the year! Sure you have set your goals. Then you scratch them out because monetarily, you dont see how you can do it! On the other hand, some of you are like "I'm getting that house next year!" I'm getting a house in 2 yrs!" You are focused! You know what you need to do to make it happen. Some folks have a goal in mind but no method to get there. Well, here it is! You want to save $5K? Here's how!

I bet you're thinking "Wow, am I going to be able to save that for the year!" It's your guide. It's your method that you needed! Now you know you can always tweak it. Somebody thought about saving $96.16 each week for 52 weeks! Guess what? You will still reach your goal of having saved $5K in just 12 short months!

How amazing it that? I know you can do it! Keep your mind on that end result. It may get a little challenging for you yet I know you can do it! I KNOW YOU CAN! rEMEMBER YOUR GOAL! Keep it in the front of your mind. In 12 months, you will have saved up $5k and will have met your purpose! I'm proud!!!

I Just Want To Breathe

Behind on credit card payments. Overextended on credit cards. Same monthly bills come in. Rent/mortgage, lights, gas, water, house phone, cellphone, groceries, car payment, gas for car. Same monthly payments each month. Same income each payday. Still more month than money EVERY single month. Same frustration. Staying up late day after day trying to figure out when can it end. Staying up late trying to figure out how did this happen. Will I be homeless? Will they repo my car?

You have been here? You have been here. When will it end? You want this cycle to be over. Debt? Debt, and more debt. On top of that, your student loan is in default. Unexpected expenses arises and you have NO savings. YOU are about to snap. You are at your wit's end! Your mortgage is 2 months behind because you mortgage almost doubled in 2 years since you built on undeveloped property. You knew what you should have been paying and did not set the other money to the side. Maybe you got into your home but you had an ARM (adjustable rate mortage) and this caused you to get behind because those payments kept rising but not your income. You're tired of the mortgage folks calling the first day after the due date....day after day after day and sometimes 2x a day! Ugh! Pluuuuezzzz STOP CALLING ME! All you want to do is breathe. Breathe. Breathe. You want to smile. You want to get a good night's rest instead of worrying about if you are going to lose your home and/or your car. Is it possible to just breathe. Can you get your head above water? Guess what? You can!

2015 -- I MUST DO BETTER!

Of course, we all say it! I'm going to do better next year, but do you? What do you do differently? Anything? Well, we want you to actually do better and see results at the end of 2015. First of all, dont wait until the beginning of 2015 to start a change. Get Ready! Get Ready! Get Ready! I have some ideas for you to choose from to have a better year than last! Let's get started! No matter what, you have got to have an accountability partner! Get someone that will hold you accountable to your dreams, visions, etc. Some people feel this is so silly yet it's important. Many times, we feel like we're adults and we can take care of ourselves. Just someone being in your corner pushing you to reach that goal is a much needed asset. When you think about deviating from the goal and your accountability partner calls, then you're back on track! Thank goodness! Let's say you set a goal that involves calling folks. You try and lessen the number of calls.

Your accountability partner is there to push you to make that call and more. He/she is there to push you to do things out of the ordinary. Maybe you keep saying you're going to write that book! You know you are not designating enough time to writing it! Guess what, that accountability partner may get on your nerves but you will become more cognizant of your goal and the work needed to make it come to fruition! Secondly, do something different. Okay, so you have been saving! Good for you! Well, this year take it a step higher. This year, complete more than one savings program. Have two or more programs and stay diligent and true to the program. Share your programs with someone else. What else can you do? Step out of your comfort zone. Increase your savings. $25 per month can be increased to $50 per month. Sounds scary? It's okay. You grow when you stretch your goals! Give back. It never hurts to give. Give your time to a youngster, elderly person, student having trouble with Mathematics, etc. Give back. You will feel so good for doing so.

Clean out your closet. You are not going to wear those clothes this upcoming year just like you didn't wear them last year. Give them to someone who needs them. Maybe a church member needs them. Maybe someone can use them at a shelter. Maybe you can just drop them off at Goodwill. What you dont want is someone else's treasure. Share. Give. Share. Give! Make 2015 your best year yet! Get started! Dont wait! Become a better you and make the world better.

January is COMING....................

Yeah, I already know! You need to do something different in 2015. You know you need to save yet can't take that very first step! You are fearful. Maybe you feel you just can't do it. Maybe you don't have enough money to even get started (so you think). Well, I'm here to change all of that! It starts with ONE step. Just ONE is all it takes. I know! I know! I know. Since you want better! Let's do better! Starting with our finances, you can be ready to start January 1, 2015! I believe in you! It can be done! It will get done! SAVE EVERY DIME! SAVE EVERY DIME! That's one focus. I know you are thinking "how can I do that!" Let me tell you. Literally, save every DIME that comes into your possession. When you get a dime, save it! When you buy candy, and get change back. Get excited about the dimes and save them! When you get change from the grocery store, save that dime! So, let's go for it! You can do it in 2015! So get a jar and start saving every dime you get in 2015! I'm so excited for you and I'm your biggest cheerleader! You can do it!

Unnecessary Spending

Two sets of glasses. Three packages of pens. Numerous folders. Shoes. Towels. How many times have you noticed that you have more than one of the above AND they are exactly the same? How many times have you gone out to purchase items you needed and later find out you already had it at home? Stop spending money you don't have and find time to organize. I just decided to clean out my front closet and found 2 storage tubs of gift bags in all sizes, designs, fabric, occasions, etc. Every time I need to give a gift away, I always think I just don't have the proper bag and to the store I go. Spending money unnecessarily. Just stop it! I bet if you start getting organized you will find gifts around the house still in the plastic that YOU can give to folks. Why buy a gift when it's already at home! Stop buying stuff and not using it for the purpose you bought it for! You're wasting money. You dont have time for that! Where could you start looking to find items you bought that you did not use? Begin where you don't want to start cleaning up. There's probably a treasure right there! Don't put it off. Do it today! Unnecessary spending is not a great trait. Saving can be fun and can begin by looking around the house. Saving just a little per month can add up to $100's of dollars saved by the end of the year. Maybe you bought the same picture frames. Use one as a wedding gift. You may even have two steamers! Do you need two? Give one away as a gift to a college student. It's a win-win for everybody! So start looking today. Get better organized and stop spending unnecessarily!

Pennies A Day!

52 Week Challenge! Loose Change Challenge! Save Every $5 you receive! OMG! There are so many different savings options! Well maybe none of those options appeal to you! Maybe you don't even know what the 52 week challenge is! If not, this is what it looks like!

Loose Change Challenge! We all can participate. Everytime you get some loose change just drop it in a drawer, box, jar, etc. Watch and see how all that change adds up. We don't realize how much money we spend daily, weekly, and/or monthly. Eventhough we all can participate, maybe you still desire another challenge besides the loose change challenge! The amount you can save is UNBELIEVABLE!

Now, saving those $5 bills, surely adds up! Everytime you receive a $5 bill, save it! Don't go to the bank and ask for $5 bills. Just wait until you receive a $5 bill and place it in one of your 12 envelopes. See what you're going to do is decide on why you are saving the $5 bills first! Maybe you want to take a trip, buy furniture, take a cruise, etc. Well, that's your purpose and that's GREAT! Then, get 12 envelopes and write one month on each envelope. Everytime you receive a $5 bill, you place it in the respective month's envelope. At the end of the year or end of your "purpose", see how much money is saved! I've seen folks you have saved $300, $500, $700 and even $925 in one year!

Let's check this savings program out! It's simple! How much is needed to get started? Not alot at all! Drum roll............................ONE PENNY! Yep, that's it! Just one penny is all you need to get started. All you're going to do is save one penny on the first day, then two (2) pennies on the second day, then three (3) pennies, etc all the way through the last day of the year! Doesn't seem like alot of money but check out how much you can save following this method! Happy Savings!

Maybe it's a little challenging to save one penny, then two pennies, then three pennies, etc. So you can deposit or save 10 days at a time, 5 days at a time, 30 days at a time, etc. I know these totals can really help you out! Start TODAY!

Save Thousands In a Year!

I'm SOOOOOOOOOO excited about saving money! I love sharing it with folks so they can do the same or even better. Who wants to save? Single people? Married couples? Large families? Students with loan debt? Divorcees? Widowers? Everbody! That's who!

Well, where is the starting point? Figure out how much you want to save! Let's start with the house! We normally pay bills monthly. Which bill should be my primary focus? Can I save on utilities? Groceries? Of course! Save on both utilities and groceries! Let's see how it can be done! Energy bills can be very costly. Most people detest paying a light bill in the summer because it can be sooooooo costly. Some people's gas bill is extremely high when it's cold. How about getting a break on an energy bill! That would be FANTASTIC! Just see how you can save. Ambit has numerous folks that do not even PAY a light bill. Why? Because they are earning UP to and including FREE ENERGY! What would folks say if you told them you told them you did not pay a light bill? They would probably think something is not legal about that issue. Well, just the contrary. Ambit would love to have you as a customer and share with others that you are earning FREE energy. Once you are earning FREE energy, then just share it with all of your friends! If you saved $100 per month, then that's $1k in ONE year BACK in your pockets! Sound good? Let's see where else we can save!

Groceries? Yes, groceries! How can this be done? Use coupons! Saving $50 per month can add up to over $500 in ONE year! Be sure to cut out those coupons in the Sunday paper. Ask your friends for their ads because they are probably just going to throw the ads away. Ask co-workers to bring their ads that they have used and go through those and start clipping. Try SnipSnap! All you do is Snap a photo of a printed coupon and SnipSnap magically recognizes all the text and images, and turns it into a mobile-ready offer. Works for most retailers and restaurants. We do not support manufacturer coupons (the kind you might redeem at a grocery store) yet. - Snap a photo of a printed coupon and SnipSnap magically recognizes all the text and images, and turns it into a mobile-ready offer. Works for most retailers and restaurants. We do not support manufacturer coupons (the kind you might redeem at a grocery store) yet. - See more at: http://snipsnap.it/#sthash.a9YqmzXb.dpuf Download the app on your cell so it's easily available for ya!

You can even try "Ibotta!" It's a great app as well and you get paid to refer folks!Earn $5 for each friend who registers through your personal referral link and redeems at least 1 offer Please make sure your friend opens Ibotta and redeems on their own device. Each friend you invite can earn a $2 Bonus! Join today! Save and Make Money with Ibotta!

In addition, many folks like to watch cable! Their cable bill is very HIGH! My company charges me $8 per month for utilization of the modem they provided. Why didn't I just buy one for $80 and save the $8 per month. I've been paying $8 per month for seven (7) years! If I pay for a modem and save $8 per month charge, that's almost $100 savings per year!

It's possible for you to save over $1K per year! Isn't that great! START SAVING TODAY!!!

NEW YORK ENERGY SAVINGS - DON'T TAKE IT LIGHTLY!

Everyone wants to save money. Don't know of too many people that would not want to save. If you ask someone "Are you interested in saving money?" It's highly unlikely that they would respond "No, saving money is not really for me! I love paying full price!" Well, AMBIT ENERGY loves to help YOU save money! How is it done? Well, glad you asked! The answer is in one word. "Guarantee." Well, two words. "Guarantee savings." How does that sound?

AMBIT ENERGY is excited to expand it's Guaranteed Savings Plan to New York. This plan guarantees TWO percent (2%) savings over the incumbent's rate. Deciding on moving to another provider can be unsettling and scary. What changes? The bill will still come month after month yet it will be lower! No flickering of lights. No calling prior provider. Let Ambit work for you and rest assured that you will be getting a great rate with 2% guaranteed savings. This take effect January 13, 2014.

Guaranteed Savings? 2%? Really? Is there more? Why, of course. You can even earn FREE energy with Ambit. Saving money on my energy bills is fantastic. Getting it possibly for FREE is superb. Start saving today! Say Goodbye to higher rates and higher bills!

If you want to help others enjoy this savings and you earn money as well, then go for it!

Outta sight, Outta mind!

" I would love to save but when I do, I just have to spend it!" "All my monies are too accessible." "I needed some gas money!" Many folks do better with their savings if it's not tangible. If your savings are low, figure out why that is so! You've tried saving loose change, but you creep in the jar and within a month, the jar is empty, You put the $5 in your envelope, but you get lunch money out if when you need it. You're savings $1 bills yet you have a sweet tooth and just take some $1 bills out of your savings! If you are having difficulty saving money, what about trying a new method.

It seems as though the funds are too accessible. When you can get to your funds so easy, there is a tendency to grab a few dollars here and there! Well, let's rectify that. Since accessibility is the problem, let's make the funds not as easy to reach. Set up a Capital One 360 account! There are no minimums and no fees. One of the best features is that your money earns interest!

So, now when you think of spending your money, then it's okay. Check out this account. You can even have more than one account. Placing your money in one of these accounts is much better than having it in your possession. Why? Because the money is not there. Outta sight- outta mind!

Planning, Saving, and Retirement

As the New Year begins, thoughts empower us about having to do things differently from last year! Savings accounts need to grow. Retirement plans should be in effect. Plan B's should be in motion. Preparation is the key. To plan to fail is to plan to fail. It's a New Year! So if you haven't pledged to save a certain amount this year, then get started today! If you know it's close to retirement time, call your retirement system and see where you stand. Waiting until the last minute only stressed you out more. It's a New Year. Stress is not on the agenda for the FIRST week of the year, for sure!

It's amazing that some of us have worked almost 30 years and don't even have $20 for every year saved in the bank. That's a mere $600! Why? Because no planning took place. Some people are working but are one check from being homeless! Yes, they rely on the NEXT check before they even get the previous check. That's poor planning. The military adage is "Proper Planning and Preparation Prevents Piss Poor Performance." The network marketers pen it as such " You work 40 years, 40 hours a week, to receive only 40% of your pay." So, if someone is going to retire in five (5) years and funds are low, wont' they be even lower in five (5) years based on the cost of living?

Retirement? Is it right around the corner? Is it years away? It doesn't matter. Planning is necessary. So why not pledge to save and plan in 2014! Most people need an additional savings (income) to "make it" on retirement. Giving a job all that time and years just isn't enough to live off of. Since this is a known fact, why not plan now to increase your savings. The main idea is to get started. Options are always everpresent before us. How much time is spent on thinking about retirement? What is its role? How much is needed? During one's retirement, worry should take a back seat or not even be present in the car. On the contrary, it's sometimes the norm. Change that!

Ambit Energy has changed many lives. It's even changed the lives of folks who never saw Ambit in their lives. Anbit Energy allows folks to save and make money with energy. If there's an interest in saving or making money, then this could be your answer to retirement. Social Security? Yes, they took it out of your check but is it enough to live on?

So planning, savings, and retirement are vital. Get started today!

$5 Challenge is OFF and RUNNING!

Surely we know everyone is excited because it's the FIRST day of a NEW YEAR! Surely we also know first days are great days! Resolutions have been set and proclaimed! Diets are being followed. Goals have been set and someone is even jogging around the track! Yeah!!!!

Yes there is EXCITEMENT in the air! Yet there are lots of folks that are FIRED UP AND READY TO GO with their $5 Challenge! Yes, just $5 is what all the excitement is about! The New Year brings on new beginnings, new ideas, new business ventures, etc. Many have decided to make a difference in their finances and they are starting with only $5! A mere $5 can go an extra LONG wayyyyyyyyyyyyyyy! Ask some folks that have participated in this challenge before! Some have save from $300 to over $900!

It's so simple! Designate a purpose. Why would you want to save these $5 bills? To help with your child's schooling? To take a trip? To go shopping? To travel? To bless someone at Christmas? To get ahead on some bills? You make that determination FIRST. Then get you 12 envelopes. Write one month on each envelope. Each time you receive a $5 bill then you place it in the respective month's envelope! That's all you do! How much do you need to start?

There is a group that has gotten started today! Today is Jan 1, 2014 and they are SUPER excited! Some have already saved some $5 bills! The group is at over 100 members and it's only the FIRST day of the year! They are so excited that they can't keep it to themselves! They are sharing this challenge with all of their friends and family and many are accepting THAT challenge! It's so much fun! There was less than 50 yesterday and today it's doubled! What can happen in 3months? 2 months? At the END of this month? Will you join them in the challenge? Become apart of the excitement! Stay positive! All you are doing is saving every $5 you get this year. Then you will count them at the end of the year to see how much you saved! All you have to do is get started! Get started today! Join in the fun with all these folks and let's watch the numbers grow. It started out as just a few friends savings money over the year. Now it's a movement! Maybe your end of the year will look much better than the end of last year!

Come Join us!