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Common Cents – A Simple Guide to Saving, Making, and Managing Your Money
If you haven’t already ordered your Common Cents package, it’s not too late! If you’re like a lot of people, you overspent (again) for Christmas, are paying out way too much in credit card bills, have a hard time making ends meet… and the list goes on and on. Get the help you need… now… Common Cents.
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Common Cents – A Simple Guide to Saving, Making, and Managing Your Money
WARNING: 1.4 Million People In The US Filed For Bankruptcy Last Year… Here’s How You Can Beat The Vicious Cycle! Let Me Share With You The Secrets Of Financial Freedom…
Real Life Solutions And Simple Fixes
For Seriously Bad (But Common!) Money Problems
“Are your finances a nightmare? It’s time to wake up from that bad dream and create a better reality…”
I’m Cynthia Thomas, and if you’re ready for a change in your life, this book and study course, Common Cents – A Simple Guide to Saving, Making, and Managing Your Money can help you.
When the One Thing Growing Is Your Debt… Here’s Help
“Common Cents: A Simple Guide to Saving, Making, and Managing Money” is a comprehensive program that will show you, step by step, how to:
1. Set up a realistic budget that you can live with and stick to
2. Cut your living expenses without living like a monk and without sacrificing the lifestyle you desire (and deserve!)
3. Save money for short term goals like vacations, renovations, and high-tech toys
4. Build wealth for long term goals like your children’s college tuition and your retirement
5. Refinance your mortgage, when it’s the best option for you (and when you absolutely need to avoid it!)
6. Get rid of debt once and for all, so you can start building up your financial assets
7. Improve your credit rating, even if you have debt
8. Protect yourself from identity thieves who can cripple your financial life
9. Make more money, even if you don’t switch jobs or get a raise
Want more details? Click here to get full details.
Here’s a Sneak Peek of What You’re About to Learn:
Module 1: Creating an Effective Budget
Module 2: Staying Within Your Budget
Module 3: Reducing Expenses Without Affecting Your pfestyle
Module 4: Saving Money on a Day to Day Basis
Module 5: Short Term Savings
Module 6: Long Term Savings
Module 7: Using Your Credit Cards Wisely
Module 8: Getting Out of Debt
Module 9: Ways to Bring in Extra Cash
Module 10: Should You Refinance Your Mortgage?
Module 11: Checking Your Credit Report Regularly
Module 12: Why a High Credit Score is Important
Module 13: How to Raise Your Credit Score
Module 14: International Credit Systems
Module 15: Protecting Your Identity
Module 16: Summary
Common Cents is more than an eBook.
You’ll also get:
1. 80+ Page 16-Module home study course
2. Money and mindset worksheets and companion guides to help you work through the critical areas of the course
3. Budget helpers, worksheets, and trackers to make budgeting FUN again!
4. Expert audio interviews so you can gain the insights and wisdom of others in the field.
5. Money saving checklists and cheat sheets, so you will have the essential lessons at your fingertips
6. My Secret Resource List of Helpful Money Sites, Tools, and Calculators
“Common Cents” includes all the tools you need to absorb and implement money growing ideas!
Want more details? Click here to get full details.
Ready to order now? You’ll get instant access to these materials – no waiting!
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Save Your Money by Getting Organized
As you grow up and move out of the nest, it can be tempting to let tidiness and organization go out the window. The truth is, being messy can cost you money!
Good organization is the keystone to making and saving money and if you want to do either, you’ll find that you can easily make some progress by organizing your life.
Schedule Your Bills
The first expenses you have to worry about each month are your household bills like the rent or mortgage and utilities. It’s all the more reason to be organized so you can manage your money to pay these on time each month.
* Use a calendar, planner, computer program, or online banking account to schedule when your bills need to be paid. Any delay can cost you substantial late fees and finance charges.
* If you set up electronic banking, make sure you understand exactly how the system works. Some programs will not allow you to make a payment on weekends or holidays while others may need a few days to process the payment.
* Pay your taxes on time or early. Penalties as well as late charges are added if you don’t file the proper extensions. Hire an accountant to help with your preparation, especially if you work independently.
* If you work independently, you may also want to consider paying your taxes quarterly so you don’t have to worry about them at the end of the year.
Organize Your Paperwork
All of your paperwork should be organized so you know exactly where your receipts, financial statements, and bills are filed. There’s nothing worse than going in search of a needle in a haystack when a question arises.
* Everyday take a look at your desk area and think about what pieces of paper you can immediately get rid of. A wastebasket by your desk is essential, as is a shredder to prevent identity theft.
* Utilize file folders or a portable file container instead of having piles of papers on your desk or countertops. This will prevent you from losing important pieces of paperwork under a landslide of unimportant junk.
Consult with a Financial Advisor
Whether you have a substantial investment portfolio or just want to get started, consult with an expert who can help you reach your financial goals. By organizing your finances, you’ll not only save money, but make it too!
* If your current investments aren’t performing well, an advisor can help you move the money around to better performing funds that earn a higher yield or give you greater dividends.
* If you don’t have any investments, an expert can listen to your financial goals and recommend an investment plan for achieving those goals. Even starting off modestly will often bring you some annual dividends. Every little bit helps!
Consolidate Your Debts
Get in control of your money by consolidating large debts with one loan. Research which banks or credit cards will give you the lowest interest rates and consolidate your payments into one. This will save you money by paying fewer interest fees, but you must also limit your spending until the debts are paid off.
* Ask a mortgage broker about refinancing your home or taking out a home equity loan to consolidate debts.
Be in control of your money and your life by evaluating your accounts regularly and staying organized. A little bit of work each day and regularly monitoring your progress will help you reach your financial goals.
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Easy Ways to Stash Away Savings
In today’s economy, it can seem like a difficult task to save your pennies, but it is easier than you may think. There are many different ways you can put away money that you would normally not count on seeing in any event. These savings can add up over time and create a nice cushion for you and your family in the event that the money is needed.
Saving your reimbursements is a great idea. Since you have already laid out the money, putting it aside once you are reimbursed should be easy enough. Instead of counting on the reimbursement, consider the money spent and place it in a savings account when you receive it. You may receive reimbursements from many different potential areas such as job related expenses, tuition reimbursements and many others.
Set aside money each pay period to be deposited into your savings account. The money will not be available for spending unless you go to take it out of your savings. The amount set aside does not have to be a lot, even $5 or $10 a pay period will add up over time – especially if you have an interest bearing savings account.
Save your change in one location. Use a large coin collection jar or an empty coffee can. When the change jar is full, wrap up the coins and deposit the change into your savings account. Many people disregard change and find it all over the house. Change is money too, and believe it or not, after a while it all adds up – sometimes to the tune of hundreds of dollars.
Live on your current salary, even if you get a raise. Receiving a 2% raise a year can mean a 2% increase in your savings account. If you are comfortable living on your salary, consider placing the extra amount into a savings account each pay period. This will keep your standard of living the same, yet increase your savings account at the same time.
Cash in your recyclables such as cans and plastic bottles. Save the money you receive from the trade-in and put it in your change jar or into your savings account. Over time it will benefit you and increase your savings.
Saving money does not have to be a difficult endeavor. It is not necessary to put away hundreds of dollars at a time. Think of saving in small terms such as collecting your change, saving your reimbursements and storing your raises in your savings account. All of these tips are small, yet great ways to save money and before you know it you will have enough money for a rainy day.
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