How Do You Know Anyone Can Save Money In 2011?


It is tough to save money consistently and regularly. Still, there are those people who say it is impossible.

Here is one example of why “It is impossible” is a myth that isn’t true. It is a small example, but you can see where commitment equals success in savings.

Over the last three (3) year my wife and I have run an experiment that I think we will continue for a good and long while. We watch the ground for money.

That’s right. We look for “fallen money” or “other people’s money” that they don’t want or simply money that bling blinged to the floor or parking lot so we could spot it and retrieve it just for looking with a keen eye.

If you have been reading this blog for some time, you know that we have a jar in our kitchen that we put our found money in once we discover it. This money adds up each year. A lot of people think, “How much money could you simply find on the ground?” Well, every year we collect the money in our little jar and then use it at the end of the year to open up a 12 month CD.

About this time each year I give an update on what we found in latest year.

Can you save money on any budget? Yes.

In 2010, we found $86.80. That’s $86.80 that other people – that we don’t even know – left to us. They say you hope you get lucky in the New Year. We find we make our own luck by watching what is going on around us.

In 2009, we found $61.47. That money has grown to $62.57 (this is money we are earning on other people’s money).

In 2008, we found a total of $26.95. That money has grown to $27.39 (this is also money we found on the ground; this is money WE are earning based on other people’s money).

No, this isn’t a huge amount of money. But it is an experiment and we are growing savings off of other people’s money. That’s a total of $176.76. And it keeps growing.

What will we find in 2011? I can tell you there are already pennies in the jar this year (and we’ve barely begun).

If you commit, you can begin a regular savings program. This means that you can develop tactics you can find useful in generating regular and irregular savings (and you should make it a goal to have both).

The average family today needs 15 to 18 months of expenses in emergency savings. No worries if you don’t have it right now. Set goals. Brainstorm with the family. Reduce debt and reduce payments (if you don’t know what we mean, look in past blog entries or at http://www.MiddleClassMoney.com).

This could be your year. Get started. Keep after it.

You can do it.
HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. Our people have had “emergencies” all our lives. These emergencies always get in the way of saving money regularly, and our family is not different than millions of other good American families. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I have had to learn from my own mistakes over time. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle or allowing “it” to overwhelm you. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”) associated with our mission!

It is our goal to encourage everyone to teach our children about money, managing money, and saving regularly (and automatically. Children should receive lessons about compound interest and steady investing for a long-term future before they face the hard choices of adult life while being subjected to the consequences of the high-speed marketing culture we live in. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor by simply sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group. You can get our free e-saver newsletter by signing up at http://www.StickyAsset.com/blog.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Good luck to you and your children.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
All on Facebook – join. It’s free.

Get Started (Now) Saving Money (And Your Family)


What are you waiting for?

You can’t save money regularly?

People are proving everyday that you can save if you commit to the idea and focus on goal setting and building over the long-term (not immediate gratification).

It’s not easy unless you make it your focus to get-it-done.

What if you started with our “1% Savings Plan.” It works like this:

Next paycheck – multiply the after tax amount by .01. Take the result and SAVE it in ACTUAL savings.

Paycheck after that? Multiply the after tax amount of your pay by .02. Put it in actual savings.

Each time you get paid after that, add another 1 percent until you finally reach .20. Put it in actual savings.

That’s the #1 way to boost regular savings. And it works.

Then, you are cooking. This will give you a steady way to start a real savings program and grow it to 20% savings on a regular basis without “killing your lifestyle.”

Brainstorm with your family members. Focus on goal-setting.

Focus on what you can do and see how quickly your own family members will shock you with ideas that can really add up.

It’s only simple if you start saving and you commit to regular and steady savings.

You can do this.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. Our people have had “emergencies” all our lives. These emergencies always get in the way of saving money regularly, and our family is not different than millions of other good American families. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I have had to learn from my own mistakes over time. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle or allowing “it” to overwhelm you. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”) associated with our mission!

It is our goal to encourage everyone to teach our children about money, managing money, and saving regularly (and automatically. Children should receive lessons about compound interest and steady investing for a long-term future before they face the hard choices of adult life while being subjected to the consequences of the high-speed marketing culture we live in. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor by simply sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group. You can get our free e-saver newsletter by signing up at http://www.StickyAsset.com/blog.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Good luck to you and your children.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
All on Facebook – join. It’s free.

Business & Your Family In 2011


If you are like us, you have always looked at businesses you do business with like you look at other people. You think it is your responsibility to treat them the way you would like to be treated.

The problem is that many of these companies have begun to think about you in terms of only how much money they can get from you. In addition to this, they have begun to think in terms of how they can limit their expenses and often their services while still getting the full payment participation from your family.

As a result, we have adjusted our thinking so that we treat them as a negative event in our family budget and we recommend you treat them the same way. What does this mean for you? It means that you should review your services at least once each year and work with them to seek a reduction in pricing.

No, I am not kidding.

Times have gotten more and more difficult for middle class families. On the other hand, big business (especially) in this country are FLUSH with cash. This is because they constantly operate from a conservative position of limiting and reducing expenses while PRESSING for PROFIT.

To meet this challenge you should start this at least yearly process of approaching every business that gets money from your household and PRESSING THEM for REDUCTION in costs.

The process begins with a phone call, but you must learn to be pleasant and firm while being prepared to make multiple phone calls and seek out supervisors multiple times to reduce costs while keeping services.

You start by telling them that you are having financial difficulties and really want to keep their services. However, you should also tell them that you need to reduce the bill you receive by 10 – 12%. That’s where the negotiation begins.

Again – be patient.

Be willing to listen to their suggestions. Be willing to talk to multiple supervisors and stay calm and pleasant as you work your way to a DISCOUNT.

When you negotiate a discount, take the money you saved (in actual dollars from your monthly bill) and add it to your “automatic savings bill.” This will help you establish or expand a regular monthly “bill” that actually goes directly to savings in a money market savings account.

In 2011 you should be working toward having 15 to 18 months of your family expenses in actual savings to have a proper emergency savings fund (correctly funded). Why? Because it may take you longer to find a new job making your current income if you lose your job. You may become a part of a large wave of people who cannot replace your current income if you lose your job. Having a right-sized emergency savings fund for 2011 will be very helpful to your family.

If you do not have this kind of emergency savings fund, we recommend you look back in previous blog entries here and at http://www.StickyAsset.com/blog to find our “1% Savings Plan” or check it out at http://www.MiddleClassMoney.com to begin a systematic way to launch and grow regular savings.

We believe it’s us against the world. That means your family must take more control of your money and see companies you do business as BUSINESSES that must be NEGOTIATED with so you get the most value for the least costs.

And always actually save what you save. This is a major key to GROWING SAVINGS.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. Our people have had “emergencies” all our lives. These emergencies always get in the way of saving money regularly, and our family is not different than millions of other good American families. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I have had to learn from my own mistakes over time. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle or allowing “it” to overwhelm you. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”) associated with our mission!

It is our goal to encourage everyone to teach our children about money, managing money, and saving regularly (and automatically. Children should receive lessons about compound interest and steady investing for a long-term future before they face the hard choices of adult life while being subjected to the consequences of the high-speed marketing culture we live in. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor by simply sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group. You can get our free e-saver newsletter by signing up at http://www.StickyAsset.com/blog.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Good luck to you and your children.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
All on Facebook – join. It’s free.

I Want To Help


I want to help people.

I wanted to help me. That has been a big goal for me in writing this blog and http://www.StickyAsset.com/blog. I believe that you can overcome issues of childhood, issues of job changes, divorces and a variety of other problems that can slow or stop you from saving and investing regularly.

In the past twenty plus years I have made very single mistake a person can make with personal finance. It is the old story of thinking you know everything when you are younger and then growing to the point where you realize you don’t know as much as you thought and helping others can be part of simply helping yourself.

This process of writing a blog (or two) makes you think about how you can learn and use tools against an increasingly corporate world set out to separate us from our money.

People save a lot of things. Stamps. Coins. Signatures. People save what is important to them. Well, the point of this blog is that your FAMILY is important. When it is your family vs. the corporations, I hope your family always wins. That’s why we believe in learning all you can about:

Negotiation

Coupons & Coupon codes (we even have a group called “Coupons & Coupon Codes” on Facebook)

Regular saving

Regular investing

Reducing and eliminating debt

We also believe CREDIT CARD COMPANIES are easily the enemy of your family. For most people, the marketing that credit cards do is problematic. We want to be a source to encourage holding credit card companies accountable, getting you and us to know how our credit cards work and using the rules and extra principal payments to REDUCE & ELIMINATE this kind of debt.

We believe checking accounts are MONEY LAUNDERING accounts for other people’s money. Leave money in that checking account and your money will GO become someone else’s and you will wonder where it went. In other words, you need to use any excuse you can to push “extra” money in your checking account out to personal savings.

Don’t take things for granted. You can save a lot more money than you are currently. You can brainstorm with your family how to save more and make it your focus in terms of building regular savings.

Regular Savings.

You can do this. Need help? Look at our past blog entries dealing with our “1% Savings Plan.” You can find it here or at http://www.StickyAsset.com/blog or at http://www.MiddleClassMoney.com.

Don’t kid yourself. You don’t have to do a lot to build savings and eliminate debt – but you do have to establish regular savings, goal setting, debt reduction and belief in your family.

You can do this.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. Our people have had “emergencies” all our lives. These emergencies always get in the way of saving money regularly, and our family is not different than millions of other good American families. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I have had to learn from my own mistakes over time. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle or allowing “it” to overwhelm you. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”) associated with our mission!

It is our goal to encourage everyone to teach our children about money, managing money, and saving regularly (and automatically. Children should receive lessons about compound interest and steady investing for a long-term future before they face the hard choices of adult life while being subjected to the consequences of the high-speed marketing culture we live in. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor by simply sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group. You can get our free e-saver newsletter by signing up at http://www.StickyAsset.com/blog.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Good luck to you and your children.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
All on Facebook – join. It’s free.

Black Friday, Coupon Codes & Real Rules For Saving $


Shopping is marketing if you do it the way you see it on TV.

We are a consumer-based society. You should use your power in the Christmas holiday season. Make your list in advance. Start with a budget for EVERYTHING. For instance, for all my Christmas shopping I am going to spend XXX. Then, split that amount up among all those you are “gifting” to this holiday season.

Make your list down to the product, but be willing to shop around.

Look on the internet for coupon codes for the purchases you want to make.

Stick to your budget. Don’t be embarrassed to walk away. 70% of our economy is produced by results of CONSUMERS. Make your voice heard.

Remember these rules:

Negotiate everywhere.

Be prepared to walk. You don’t have to buy from a specific retailer – you can purchase from the merchant that gives you the best price.

If you really want to make the Christmas shopping season fun, take that amount saved on any purchase (and every purchase) and actually DO SAVE IT in money market savings (as if you had spent it).

Above all, make your holidays about quality – not how many gifts. Gifts with a lot of thought simply mean more.

Tis the season to exploit your power as a consumer. Do it!

You CAN do it.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. Our people have had “emergencies” all our lives. These emergencies always get in the way of saving money regularly, and our family is not different than millions of other good American families. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I have had to learn from my own mistakes over time. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle or allowing “it” to overwhelm you. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”) associated with our mission!

It is our goal to encourage everyone to teach our children about money, managing money, and saving regularly (and automatically. Children should receive lessons about compound interest and steady investing for a long-term future before they face the hard choices of adult life while being subjected to the consequences of the high-speed marketing culture we live in. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor by simply sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group. You can get our free e-saver newsletter by signing up at http://www.StickyAsset.com/blog.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Good luck to you and your children.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
All on Facebook – join. It’s free.

What Motivates Good Savers?


When it comes right down to it, the whole thing is about what motivates you. When it comes to thinking long-term (which is really what developing a steady and regular savings plan is all about), you could start by thinking about the carnage of the last few years. You could think about the jobs situation or how slowly the economy is recovering. I’m not being negative, but it is important to point out that so many experts are suggesting the future will be nothing like the last thirty years.

What can you do?

Just by reading this blog or focusing on people who are interested in saving regularly will be helpful to you.

Brainstorm with your family. Lay out all the reasons that you want to adjust your spending and regular savings. You might be amazed at how good your own family can be at coming up with savings ideas.

If you’ve been reading our blog for any amount of time, you know we believe in negotiation. But we also believe in soaking up spending reductions and making them a part of regular savings.

In other words: Save 12% on your grocery shopping this week using coupons or purchasing “buys”? Take the 12% and push it into a very real savings account as if you had spent it. That’s savings.

Talk to your cable company and reduce your monthly “nut?” Take the amount you saved and add it to what I call “The 1st Bill.” That is a bill you “make-up” and put in the payment column of your family budget each month. The “1st Bill” can be used this way:

Save money by reducing your spending on a bill? Add that amount saved to the “1st Bill.”

Save money by refinancing your mortgage? Take the amount you reduced in your mortgage and add it to the “1st Bill.” This “bill” will increase as you find additional ways to save (or when you get a raise). This increases your regular monthly savings.

But don’t stop there. Brainstorm with your family. Keep a keen eye on ways to save. You will be shocked how quickly you can develop serious savings.

It’s worth it. And you can do it.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. Our people have had “emergencies” all our lives. These emergencies always get in the way of saving money regularly, and our family is not different than millions of other good American families. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I have had to learn from my own mistakes over time. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle or allowing “it” to overwhelm you. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”) associated with our mission!

It is our goal to encourage everyone to teach our children about money, managing money, and saving regularly (and automatically. Children should receive lessons about compound interest and steady investing for a long-term future before they face the hard choices of adult life while being subjected to the consequences of the high-speed marketing culture we live in. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor by simply sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group. You can get our free e-saver newsletter by signing up at http://www.StickyAsset.com/blog.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Good luck to you and your children.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
All on Facebook – join. It’s free.

How Many Licks Does It Take To Get To The Center Of A Blow Pop?


It’s tough to live in what I call “the hard middle.” By the time you reach “middle age,” you are grinding it out with multiple priorities of family life, job, debt and a variety of things that only come with the words middle age.

But do you remember when you were a kid? Do you remember those ads for the Blow Pop? You know, “how many licks does it take to get to the center of a Blow Pop?”

Most American families are struggling with the power of the great recession and the pull backs by corporations and small businesses who are allowing fear to drive business decisions. You can’t blame these companies. After all, we have seemingly been to the edge and everyone is watching the decision makers in politics and economics to see how or when they can get the U.S. economy back on track.

How can you add true savings to the mix of family priorities and bill paying even if you may face a no raise environment (or have suffered from a reduction in pay over the last several years)?

Steady and regular savings should not be optional in any family that wants to survive and thrive in the next two decades.

You can begin by calling a family meeting and simply brainstorming about current and past spending for the purpose of reducing expenses now and in the future.

If you don’t have a savings plan in place today, go to past blog entries to see our “1% Savings Plan.” It may knock your socks off and it can absolutely increase your steady savings without killing your lifestyle.

Look at all the money you spend for any reason. Take your cue from the major corporations: Reduce your expenses across the board by talking to EVERY company that sends a bill to your home. Negotiate with them to reduce your bill with them by 10 – 15% each month. Be open-minded to their suggestions and be consistent and relentless. If they say no, ask for a supervisor. Tell them you really want to remain a customer of theirs, but tell them you need help. It may take multiple calls, but you will be happy when they give a little breathing room. Any percentage they give to you, you must add to your REGULAR and STEADY monthly savings from that point forward.

Think of it this way: The money you make is only important until you pay for your very basic food and shelter for the family. The real IMPORTANT and KEY money that flows to your family IS ONLY WHAT YOU SAVE & INVEST.

This is 2010 (almost 2011). We must become more aggressive about steady savings and investment. Focusing your family and including everyone in this will be a powerful friend to help you build wealth.

In 2010, you should have 15 to 18 months of your expenses in emergency savings. Don’t have it? Don’t worry. Just get started. It will build faster than you can imagine.

Slow and steady really does win the race. Put it to the test. You’ll be glad you did.

You can do it.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. Our people have had “emergencies” all our lives. These emergencies always get in the way of saving money regularly, and our family is not different than millions of other good American families. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I have had to learn from my own mistakes over time. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle or allowing “it” to overwhelm you. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”) associated with our mission!

It is our goal to encourage everyone to teach our children about money, managing money, and saving regularly (and automatically. Children should receive lessons about compound interest and steady investing for a long-term future before they face the hard choices of adult life while being subjected to the consequences of the high-speed marketing culture we live in. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor by simply sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group. You can get our free e-saver newsletter by signing up at http://www.StickyAsset.com/blog.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Good luck to you and your children.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
All on Facebook – join. It’s free.