Shortcuts To Happiness & Getting Ahead In This Economy

short cut
Everyone is looking for tips or shortcuts to get ahead. People have been doing it forever, but the financial crisis and dimly lit economy bring it all home to you that you need to really focus over the coming months and years on saving more, investing wisely and gaining any advantage you can in terms of supporting your family, growing your savings and wealth and dealing with retirement down the road.

How can you reinvent yourself, your personal finances and grow stability, savings and eventually wealth for your family in the coming months and years?


Review your debt and focus on reducing and then eliminating all credit card debt. Separate credit cards by interest and pay extra on the highest interest rate cards first until you have any credit card debt under control. Treat it like a war. Fight to win and don’t give up.

Debt is the #1 impairment to the production of wealth in the middle class.

Check out our “1% Savings Plan” to boost your personal savings (see previous blog entries).

Aggressively pursue the companies you do business with today (cable, telephone, regular bills) and seek their help reducing the amount you pay out to them each month. Be open to their ideas as well as any you have to reduce the bill you pay each of them 10 – 15%. If they provide any savings, you MUST take this savings and put it in a money market savings account (FDIC-insured).

If you don’t put savings in actual savings regularly and force yourself to push money from checking to savings, you are NOT saving money. You are allowing money to control your life.

CHECKING ACCOUNTS are money laundering accounts for other people’s money. Use any excuse to push money from checking to savings. The more you do this, the better off your family will be as the days, months and years roll by.


If you are living in a big pillbox house in the suburbs, consider your space and your real needs. Would you consider downsizing and using the extra savings to pay off your mortgage on a new and smaller place?


Think about this: Smaller place = smaller payments = less debt = more to pay off mortgage, credit card and other debt and more for savings and investments.

We all have things in our homes that we don’t use anymore. Sell it. Put that money in savings. With Craig’s List and ebay, you can sell anything. And why not? It is a great way to juice your savings without changing your lifestyle.


We also believe you can make great progress if you negotiate for EVERYTHING. Remember – we are consumers and we drive 60 – 70% of the U.S. economy. We don’t have to purchase from one retailer or on-line vendor. We can use the power of choice and negotiation.

Today is your opportunity to start. Today you can begin a new beginning. Today you can start developing your own plan for saving money that can lead to real stability and savings that will help you eventually build actual wealth.

Are you ready?


In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. 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 and one of the best things by 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.

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

Thank you for reading our blog and good luck!

Loyd Ford


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