5 ways to save $1,000 by the end of the year

5 ways to save $1,000 by the end of the year

There’s nothing like the feeling of starting off a new year with a clean slate and hopeful outlook. Unfortunately, for many, October kicks off a string of major holidays that will ultimately lead them toward a wall of debt in 2017. The best way to ensure you kick off January debt-free is to be proactive — start saving now so you don’t have huge credit card bills to deal with once the holiday celebrations are over. Of course, it’s going to take serious budget cuts and commitment to reach a comfortable $1,000 buffer. So what can you do to save big besides giving up your morning latte and brown-bagging lunch? 1. Get rid of your cable already. Ever wonder how you can pay for so many channels and yet there’s never anything good to watch? It’s because there really is nothing good to watch. If you can find the strength, dive into a good financial book to read and skip the cable, save your money. Get rid of your cable television to save hundreds of dollars, hours of free time and probably a few brain cells before the end of the year. You’ll be amazed at how quickly the urge to binge on episodes of Real Housewives disappears. 2. Cook your meals, Dumb the Fast Food. Fast food, while delicious, is a budget item that’s equally expensive as it is unnecessary. Although some will argue the benefits of a daily quick meal saving time. Generally, fast food does very little to improve your health or bottom line. If you’re serious about saving money, skipping the fast food for a...
10 Businesses You can Start with Almost No Money

10 Businesses You can Start with Almost No Money

Today is the day of the entrepreneur. If you haven’t made the leap from your 9-5 already, you’re probably thinking about it. With so many options and outlets to get your business started, there’s never been a better time to decide to break out on your own. We live in a time when anything you’re good at can become a source o income. Social media provides us with direct-to-consumer access, and also business options that don’t require any start up money. Here are 10 businesses you can start today with almost no money. Open an online secondhand shop I’d say open an eBay shop but that’s not the only option anymore. There are an unlimited number of ways to open an online shop with no to low overhead. You can start by selling things you no longer need, friends’ and family members’ junk. Move up to buying low (think garage sales, thrift stores, and estate sales) and selling high. If you have an eye for quality “junk” you can do well reselling. Drop Ship Products Love creating clever phrases? Have a thumb on the pulse of the next big hashtag? Make it a tshirt, mug or hoodie. Sites like Teespring and Spreadshirt have tons of product options that can be printed with your designs. It’s $0 to open a shop and you set your own commission on what you sell. graphic design If you have design skills and know your way around the software, there are plenty of people looking for you. From logo design to t-shirt design. In a visual and digital world, graphic design is in high...
7 Books to get your Money Mind right

7 Books to get your Money Mind right

Why does everyone feel good saying “it’s not about the money”? Of course, we don’t want to be money hungry, and in the days of the “passion-preneur”, most of us just want to do what makes our souls feel good. But money is the tool we use to build in this society, and saying it’s not important is like saying a hammer and nails aren’t important when building a house. Money is a tool, and if you want to be an effective builder, you’d better be okay with getting your tools in line. A pitfall that we face in our community is lacking the knowledge to acquire and sustain money. The main principles most of us learned about money in our upbringing was that it doesn’t grow on trees and that we need to work hard if want to get even little bit of it. We look around and see others getting it easier, keeping it longer and passing it on to their children. To put it simply, they’re being taught lessons that we’re not. Not because they’re any better or their parents/teachers are any better, but because our parents and teachers just don’t know. In the age of information, ignorance is a choice. Too many books have been written on the subject of changing our money mentality for any of us to pass financial illiteracy on to our children. If we want better for the future generations, we owe it to them to get this knowledge and give it on freely. “A good man leaves an inheritance to his children’s children…” Proverbs 13:22 When I began my journey...