Book cover via Amazon

Who Moved My Cheese: Book Review
By Mark Rodriguez

First let me tell you that if you are like me when it comes to reading books, the you don’t read may if at all. All those words and no pictures – what the heck! I dont have time to read books – is that bad? I’m sure it is BUT! I was given a book to read recently that I carry with me everyday and refer back to often. I know your next question -what book did you read that made that big a change?

Let me give you a little background – readers digest version. High School Grad. took a year off before I was going to college and never did. Married at a very early age, no skills except what came naturally. Struggled all my life and quite frankly afraid to fail but it seemed that was the only result I could come up with. Fast forward to the future – I was afforded the opportunity to work with one of the largest company in the nation. Who me? So here I go – trying my best in an all commission position, scared to death of not making any money. Constantly looking an my checking accounts dwindling balance. Not a pretty site. Then – I was given this book Called “Who Moved My Cheese” WOW! what a book!

I looked at it and my usual self was already making lite of it until I opened it and started to read it. That was when all bets were off. Let me ask you a question. Have you ever read a book that was life applicable. By that I mean you can take the principles in the book and apply them to your life no matter where you are in your life? That is this book. This book has only 74 pages and even if you are a slow reader you can knock it out in 2 hours. The premis of this book is based on who you are now compared to the characters and how to make a change in your life to be like one of the other characters. The author Dr. Spencer Johnson has turley boiled it down to who do you want to be like and what what are you willing to do to change. My friends this is a MUST READ! No matter what walk of life you come from get it and read it! – You can find it either online or in your local book store. If you are a book lover, check out the link below it may be something of interest.

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http://EzineArticles.com/?Who-Moved-My-Cheese:-Book-Review&id=262660

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10 Steps to Help Someone in Debt
By Wesley E Anderson

Step 1. What you will want to do first is talk to the person in debt and discusses what the major factors are in them not being able to make payments to the debtors.

Step 2. If you have been in debt before, you will want to share personal experiences with them about overcoming financial distress. These can be stories from your own life or stories from the lives of family members or friends. This will let them know you understand their struggles and that they are not alone.

Step 3. Ask as many questions as you can so you can know how you can help. This may be all that is needed. They may have a list of ideas for you. If so, follow through. It may be as simple as cutting up their credit cards.

Step 4. It will be imperative for you to refer that person to a professional if f you do not have the financial background or understanding needed to help them. Explaining to them the dangers of high interest loans, minimum payments can get quite complicated.

Step 5. Eventually you will need to find time to sit down and go over in detail their financial income. This will begin to help them start thinking in terms of necessary and not-necessary. That way you can get a good idea of their spending habits as well as their saving habits.

Step 6. Grab a piece of paper, and create three categories; one for necessary, another for pleasure, and one for things they need but don’t have money for. After you do this, go back over the spending reports and put each item into the appropriate column.

Step 7. In this step, help them discover free, or low cost methods, they can use to have family time.

Step 8. Add up all the money they have spent on extraneous items. Then, when all is accounted for, ask them what they can weed out. After they do that, add it up again and create a new budget, taking the money saved and applying it to the items they need but didn’t have money for.

Step 9. Counsel and ask them how you can help them stay on their budget. You can order money management software to help keep records. In addition to that, the people you are helping will be able to manage their own finances.

Step 10. Lastly, under these circumstances, if you are concerned a friend or family member is creating a financial disaster for themselves; encourage them to seek professional help from a counselor specializing in a particular financial circumstance like tax help and budget control.

You will want to visit my Digg to find out how to help yourself and others situate their own debt.

http://digg.com/business_finance/Learn_How_To_Fix_Your_Own_Credit

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Renting A Room For Extra Income
By Steven Gillman

Renting a room? I wish I had thought of it sooner, but one day many years ago I finally gave it a try. I had a thee-bedroom mobile home on small piece of property, and I soon found that it was easy to rent out not one, but both other bedrooms. I suddenly had thousands of dollars extra each year.

Read the rest of this entry »

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Debt Crisis – are You in One?

Author: Neil Robertson

Debt is the word seemingly on everyone’s lips. Whether it be concerning governments, financial companies or individuals everyone is interested in whether they have too much debt. With the economic situation going from bad to worse it is worth reviewing your situation to see if you have too much debt and whether you are (or potentially could in the future) be in a debt crisis situation.

Debt Early Warning, Debt Problem, or Debt Crisis?

There are no exact definitions here, but I’ll have a go at defining these states and the likely outcomes if you do nothing. Also what steps you need to take to get yourself free of debt.

Debt Early Warning

Do you worry about the amount of debt you have (whether secured or unsecured). Is it starting to represent a significant proportion of your monthly budget? (If the word budget is a strange one to you then you have more work to do before working out how serious your debt problem is). Can you only afford luxuries like holidays or meals out by putting them on a credit card? If you answered yes to any of these questions but you are still making all your regular payments then I would suggest that you are at the “Debt Early Warning” stage. You really need to do your monthly budget and a monthly balance sheet of all your debts to see if your debt situation is getting worse or better. If your monthly budget shows a deficit or your your monthly total of debts grows each month then prompt action is required to get your situation under control. Do nothing and you are headed down the path to debt problems and crisis. Trim your spending until your budget shows an excess of income over outgoings and your debt total decreases each month. You will have started the path to being debt free.

Debt Problems

Does your debt problem stop you sleeping at night? Are you cutting back on essentials such as food and clothing to pay your debts? Can you only make the minimum payments on your debts by borrowing more? Answer yes to any of these and you have serious debt problems. If you have reached this stage then the most likely outcome is that you will need to use a formal debt solution, such as a debt management plan, Individual Voluntary Arrangement or bankruptcy. However if you do your budget and work out that you can make your monthly payments without starving yourself then there may be a (long) road ahead of you to becoming debt free. I would seriously suggest getting some free debt advice to consider your options, as what many people consider to be the honorable thing to do (struggling to pay off their debts) can actually be very harmful to you and your family in the long-term.

Debt Crisis

Have you started missing payments on your debts? Do you struggle to feed your family or pay other basic bills? Have threatening letters and phone calls started? If so, then you are most definitely in a debt crisis situation. You need to get good free debt advice URGENTLY to plan your escape from this situation. Putting off getting advice is only prolonging the misery and puts off the day when you can be debt free. You are most likely to need a formal debt relief solution, but consult with a qualified advisor before doing anything else.

Article Source: http://www.articlesbase.com/personal-finance-articles/debt-crisis-are-you-in-one-585588.html

About the Author:

If you want more free information then visit my Debt Advice Free blog providing debt assistance from someone that has been in a debt crisis situation and is now debt free

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What Are the Benefits to Having Your Credit Repair Done by a Credit Service?
By Allan Zolis

Do you know what your credit score is? This is very important to know because having bad credit or problems with your credit report can cause you all kinds of problems. You have to take time to learn what your score is. This will help because if you find problems or if you have bad credit then you are going to need to have credit repair done to fix it. Some people prefer to try and fix their credit themselves but this is usually not a good idea. You really need to hire a professional credit service to do the repairing for you.

Hiring a professional credit service to do the credit repair for you is a good idea for a couple of different reasons. Here are some of the more important benefits to letting the professionals handle the task for you.

One: A professional credit service has a lot of knowledge about credit repair. They know the ins and outs that would take the rest of us a lot of time to learn. So, why not take advantage of their experience and let them repair your credit the correct way?

Two: When you hire a credit service to do your credit repair, there will be a fee that you have to pay in order for them to do the repairing for you. Some people think that spending the money is not worth it but it definitely is. When you have professionals fixing your credit you will end up saving so much money on interest that you will easily get back the fee that you paid to hire them, plus they know how to fix your credit and keep it that way. This is worth the small price you will pay to hire them because this knowledge will help you learn how to stop problems with your credit in the future.

Three: Hiring a credit service to do your credit repair is a good idea because it will save you a lot of time, which most people already don’t have enough of to begin with. You won’t have to do all of the work that is required to repair your credit because the service will do this for you. So, you end up saving a lot of time that you can spend doing other tasks that need to be done.

These are just a few of the many benefits to hiring a credit service to do your credit repair for you. There are other benefits that you can easily learn about with a little bit of research. Just remember that if you want your credit repaired right then you really need to hire a professional to do the job for you.

Allan Zolis is owner of http://www.creditscoresusa.com – a credit repair agency with a unique advantage. See how he successfully combines a collection agency with credit repair to save you money and fix your credit the right way.

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There is currently a lot of interest in ‘frugal living’ , which is understandable considering the difficult economic period people appear to be facing. It is not always easy to start to live frugal, especially if that could mean a change of lifestyle for you. One of the best ways to start is to find out more information, advice and tips about frugal living and what a better place is there for such information as the web?

Finding Frugal Sites
By Rebecca Huminski

Tough economy, high prices and many failures. So how are we going to save money? We are going to take others advice on finding frugal sites. If we try and go about it by ourselves we are setting ourselves up for a huge failure. However if we band together the chances of surviving this tough economic rough time just became that much easier.

Finding frugal sites on the internet isn’t all that tough. There are actually quite a few that are trying to help us to survive the tough times we are facing. You do however want to make sure the site is trustworthy and actually doing what it says its doing. There are a lot of scum bags out there who will disguise themselves as one thing in order to benefit through another.

While finding frugal sites I noticed there wasn’t a lot of interactive sites readily available. I wanted a site where I could talk to others. Something that wasn’t one sided and allowed the everyday common person to be able to display their opinions on ways to save money living in a frugal day and soon to be society.

While looking through the frugal sites I realized that not too many forums were available. You see the forum can be the most valuable part of any site. People get to interact, friendships and trusts are built and together a strong forum can take on the world when it comes to any subject. You see banded together on any subject you can actually change the world. I don’t believe I will ever change the world but I do think I can be part of a team that helps to change the lives of many people.

Let’s dominate on finding frugal sites. Let’s take on the big players and show them we are not going to let them kick us while we are down. If we give up we will for sure be eaten alive. Well I for one refuse to let that happen. In my research I have found many others that are fighting back as well. We don’t need to keep up with the Jones. We don’t need to give up having fun or we don’t jeopardize our health or safety. However at the end of the month we enjoy the money we saved and put to a better cause.

Im just a normal person who quite some time ago decided it was time to save money. I started doing this by finding frugal sites to help me.

Well I have gone a lot further now and I think you would enjoy my frugal forum. Don’t hesitate, its full of fun great ways to save money.

Article Source: http://EzineArticles.com/?expert=Rebecca_Huminski
http://EzineArticles.com/?Finding-Frugal-Sites&id=1641940

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Get Out of Debt Today – The Key Two Step Key to Living Better!
By Gary McGeown

For most of us the path to a greater level of wealth in our lives is twofold -

1. better money management skills,

2. bringing in more cash, which is in fact an extension of money management.

In a nutshell, its living on less than you earn, and focusing on earning more.

It couldn’t be more simple, we didn’t say “easy” but simple – yes.

Its all about what we pay attention to in our lives. The more focused and intent that you are on a particular outcome, the more likely it is that you will draw this into your life.

1. Get clear on what you want out of the next 10, 20, 50, 100 years – however long you think you have left,

2. Resolve that you are going to get it – no matter what.

It is likely that you will meet with Disappointment, Temporary Failure, and the occasional setback, but when you know that you are sure to realise the objects of your desire, you will recognise these as mere speed bumps on the certain road to achieving your goals.

When you know where you are and where you’re going and are determined to get there – YOU WILL. Absolutely no question.

We’ve probably all been on roadtrips where things got hairy, but we all made it to where we were going, and life is just a bigger example of this.

Decide what you want out of your life, after all this is it. Heaven or Hell, its your choice.

Cash Rich And Debt Free – Why Not? Just Do It!

To find out if we can personally help you to overcome your debt, and start to live a little better, call Donna at Gemini Debt Solutions on FREEPHONE 0800 077 8698, or 0870 850 9576 or go to our website – http://www.cash-rich-debt-free.com

PS – Remember, to get better results, you must do something different!

Article Source: http://EzineArticles.com/?expert=Gary_McGeown
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How to Earn Extra Income
By Daniel Gebura

The prices of various products keep increasing nowadays, that’s why you spend more and more money just for products you use daily. Even if you come across some sales. Usually in longer term the costs have increasing tendency. That’s why you need to find out the way to earn some extra income to keep your head above the water and to be able to afford the things you need. The good news for you is that there are some really great ways to make extra money even if you aren’t very computer savvy and your skills are limited to checking email and typing some simple documents.

Offer a Service

People are much busier today and usually they even don’t have a time to take care of things around the home. After hours spent at work the only thing they want is to take a rest or go out for leisure activities. That’s why sometimes they look for someone who could help them at home duties and this could be a right extra income opportunity for you. You could offer for instance housekeeping service for people like that. Many of them will take care of the house themselves, however there are still people who are ready to pay nice cash to keep their hands clean.

Another popular way to make some extra cash is errand running. You could for instance offer your patience and help for people who are tired of going grocery shopping, taking dirty clothes to laundry or standing in line at busy local post office to mail a package. Also there are some pet owners who would like to go on holidays and leave their pets for someone to take care of. So here you have another pet sitting opportunity to earn extra income as people rather prefer to save money through pet sitting instead of living the pet in a kennel.

Market your Product

If you are a person like anyone else, probably you have quite a lot of stuff that you would like to get rid of somehow. So why not to open you own garage sale, where you could sell your won stuff that you have no longer use for. This is a nice way to earn extra income from something that you find useless but someone else may find it still valuable. Also if you have some good quality and unique items you can put them on sales on auction web sites, where people will bid for it.

Also you can find some web sites where you can offer your old books for sales as an extra bonus for CDs, DVDs, video tapes or games for popular consoles.

Other Extra Income Ideas

You could search for the companies that will offer you partnership and will pay for selling their products. This way you can easily sell something without the need of buying it and get paid some nice cash.

The thing you should always try to do to earn extra income is to turn your hobby and your skills into activity that will make money for you. This is the best way do make money doing something you like.

Daniel Gebura is an experienced network marketer who helps ordinary people build a successful home business.

Visit Daniel’s Internet Business Opportunities website for the best legitimate business opportunities and hundreds in free money making tips and tricks.

Do you want to make money just by giving away a link to free educational material? Visit Success University website and start making money right away.

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http://EzineArticles.com/?How-to-Earn-Extra-Income&id=1484196

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Not everyone or everything is negative or bad about an economic downturn. Some people seem to find positive aspects or even advantages to be exploited during such a time.

The Success Soul blog sees this time as an opportunity to recover from the ‘consumption addiction’, to make our lives recession proof and to discover what is more essential for our happiness.

The Pick the Brain blog offers some insights into how people need to adapt to take advantage of the economic downturn.

The dough street site has an article that states that the economic downturn may give us an opportunity to appreciate the simpler things in life, like our famiy, friends, and health.

Shawn Drewry points out that now is the best time to negotiate with financial companies such as banks (if any are still in business!)

So you see, according to some people, an economic downturn is not all bad. It seems it is really a questionof getting your priorities in the right order. How high, I wonder, would you place financial security?

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 Four Surefire Ways of Making Extra Income in a Financially Tight Situation
By Theresa Nixon

Do you find yourself staring down the yaw of yet another lean month wondering how you’re going to pay those unexpected bills or fill up your gas tank? Read the rest of this entry »

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