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!

I'm Tired of this Energy Bill!!

Normally at the beginning of the New Year, you are seeking ways to save for the upcoming year. Some of you started in June or December of the previous year. You wanted to get a head start. How many always start with the notion that "I have to do better in the area of savings!" You're so disappointed in yourself. You start out strong! You have great intentions You still tell yourself in June that you have time then before you know it, it's December AGAIN! There are many areas of life in which we can save.

Let's start with energy! Electricity? Do you have this bill to pay? Gas? Do you have to pay this bill? Of course you do! Do you pay it month after month? There are folks that may be having difficulty paying their mortgage but I bet you that their lights are on! Think about it. When you leave the house, do you cut your refrigerator off? Of course, you don't! So electricity is being used constantly and daily! So why not save on THIS bill!

Since you have to pay this bill every single month...month after month after month! Wouldn't it behoove you to see how you can save on this bill? Are you aware that you don't have to stay with your current Energy provider just because you have been with them for years? Maybe you did not know that! Well, guess what? You can leave! You can tell them "Bye Bye!"

Join a company that offers you so much more! Does your current provider offer you competitive rates? Does your company offer you a FREE gift JUST for enrolling? Do you have a FREE website? Are you rewarded for paying your bill monthly other than sending you another bill? If your provider does not offer you all of that, find out how you can get all of the above and MORE!

Ambit Energy would love to hear your success story on how we helped you save money on your energy bill. Ambit has many service areas! Why don't you see how we can help you save, starting TODAY! Don't wait!

Come join us!!

52 Week Challenge

Everybody wants to do better for this upcoming year! Many are starting early to get fiscally in shape! I hear lots of buzz about the 52 week Challenge and I'm getting SUPER excited!

How do you like this challenge! I'm LOVING it! Start small! Many of us have difficulty just getting started! Well now you only need $1 to get started! Watch that $1 turn into over $1300 by the end of the year! Who wouldn't want to try this? Get ready! For the first week in January, you only need to deposit $1! ONE DOLLAR! YEAH! You can do that! Next week, you only need $2! Whatever week you are in, is the amount of money you would deposit for that week! In that 52nd week, VOILA! You will have saved ALOT!

Some of you may want to deposit differently. Well let's look at this method! How many of you get paid bi-weekly! Here's your schedule! Follow it with ease!

I've also seen others participate in the 52 week challenge yet they put a little twist to it! I'm loving it! Instead of starting with $1, they start with $52! So this way, as the weeks approach, you are depositing smaller amounts yet your savings is still growing! U like this idea?

You even have some folks that really make it more fun and exciting! What else can one do, you may ask! The 52 wk challenge itself if interesting. Then you can make it applicable even if you get pd 2x a month! To add excitement, instead of starting with $1, you can start with $52. I thought that was the epitome of all the excitement! When did saving money become SO fun! Well, one more option is waiting for your approval! What about this----write $1 to $52 on different slips of paper. So, now you have $1 on a slip of paper, $2 on a slip of paper, $3 on a slip of paper, and so forth until you get to the last scrap of paper via writing $52. Then each week, you randomly pull one of those pieces of paper, and that's the amount you deposit for that week! WOOOOWWWWWWWWWWWWWWWWWWWW! How ya like THAT option!

For those of you that are saying, "I'm really liking this 52 wk challenge and I would love to save over $1000 in one year but I'm not sure I can do it...", Well, I've got a trick up my sleeve for you! Saving the amount of money equal to the week number isn't for you? It's OK! Starting in reverse doesn't even have a chance? Don't have time to write on 52 pieces of paper, find something to put the paper in, copy the chart, find a highlighter, etc? Well, here's your answer, FOLKS! All you need to do to participate in the 52 week challenge is .......SAVE $26.50 PER WEEK! Yep, that's all you will need to do and you will come to the same result as following the other options! Well how can that be? It's simple. $1378 divided by 52 is equal to $26.50. So you deposit the SAME amount for 52 weeks STRAIGHT! How simple is that! Voila! You're a winner with some CASH at the end of the year! Well I can't wait to hear how well you are doing with this challenge! Be sure to let us all know. We are all eager to see how others are doing and which method works best for you. So, let's get a GREAT start for 2014 and get fiscally FIT!

Take the First Step

YES, 2013 is almost over and 2014 is right around the corner! Are you ready! Are you in a better place NOW than when you started in 2013! Are you in a more worse position! Are you shocked that you have done so very little this year? Are you happy that you have progressed so far in just one year? Surprised or shocked? So what are you going to do differently this year? Do you have any idea? Well, let me help you. It's not over. Don't even beat yourself up for not accomplishing ALL you wanted to for the year! It's okay. This is your new day! Get busy and make the change. What are some things I can do to have a different look at the end of this upcoming year. First, work with the end result in mind. You know how you want the end of your year to look like, then take the pic. Focus on that ending constantly. My former Mary Kay Director would say "That which you focus on, will expand." Focus on where you are going. Act like that which you want to become. You can do this. Write it down. That is truly priority. You MUST write everything down you want to accomplish!

Many of us want to change our finances. We want to do better. WE want to have more. Well, let's take the first step! Become a $5 Challenge Person! What is that, you may ask? Here it goes! 1. Designate a purpose for your savings. Why do you want to save this money? Once you designate that purpose. 2. Get 12 envelopes and write one month on each envelope. 3. Place the $5 bill in the respective month's envelope everytime you get a $5 bill! At the end of the year, count your $5 bills and use it for the purpose that you initially designated it for! Voila! This challenge is so much fun. Let's say you go to the store and spend $3. You give the cashier a $20 bill. You know you have $17 coming back and $17 you can spend on something else. Well, the cashier in turn ives you (3) $5 bills and (2) $1 bill. Now, you have $2 to spend instead of $17 because, those (3) $5 bills go in your envelope! Isn't that something! Get ready! Try it! You will be glad you did! Another idea is the 52 week challenge! This challenge allows you to start small and send great results at the end of the year. Just begin by depositing $1 in week ONE, then deposit $2 in week TWO, then $3 in week THREE and so on. By the end of your 52nd week, you will over ONE-THOUSAND DOLLARS!

One last savings idea is to save all your loose change! Anytime you have loose change, just place it in a jar and watch it grow! Small change adds up to big dollars! I know you can do it!

Some of you may begin with all three! Some of you may have already tried some of these ideas, so share them with others. If something is good, then share it! Let's make the world more fiscally responsible. Let it start with YOU!

Can't Save - Start with $5!

How many of you have difficulty saving? How many of you WANT to save but just can't do it? Every year does it seem like you have a bill to pay at the end of the year and never have the funds? What about those homeowners dues? What about Christmas gifts? What about school fees? Well, I have a fun savings program for you to being right now! It's called the $5 Challenge! First, designate a purpose for this savings. You should always know your purpose. Grab 12 envelopes. Place one month on each envelope. Everytime, you get a $5 bill, you place it in the respective month's envelope! So, why not get started today! I have many friends that have done this previously and I have friends that started in Jan 2013. We are having SO much fun saving money! A gentleman that started this year has a friend who saved over $1k in one year putting away her $5 bills! So, I say start today. You will definitely have more at the end of the year than what you started with. Let's do this! Keep us posted on how it goes!

HOLIDAY TIME - EARN MONEY NOT SPEND IT!

It's time to make a change! Do you have to wait until Jan. 1, 2013? NO, MAKE A CHANGE TODAY! What are you doing differently now from what you did last year? If your answer is nothing, then  that is exactly what you will get. NOTHING! So, change your thinking! Watch what happens! You will amaze yourself! You have to take the step though. Sitting around doing nothing and feeling sorry for yourself is NOT the answer. Making excuses of why you are not where you are is NOT the answer. Saying what you should have done yet did not do truly is NOT the answer. So, have a GREAT 2013 and start anew!
I believe in YOU!
HOLIDAY TIME - EARN MONEY NOT SPEND IT