The Basics That Grow Savings & Wealth Today

It’s a very simple process.

Use a specific regular savings program tied to your after-tax income. By the way, this is AFTER you have joined your company 401k. We recommend our own “1% Savings Plan” (see past blog entries or HOW TO SURVIVE ANY FINANCIAL CRISIS at this web site: to find out how to get on this plan and move ahead).

Set a target for building your proper emergency savings fund for 2010: You will need to build 15 to 18 months of your expenses in money market savings and certificates of deposit. That is because the jobs are going away in record numbers; jobs are not coming back in recovery like they did 15 years ago. More than this, it may take you 12 to 15 months to actually get a job and you may never make what you made before you lost your job again.

Regularly reduce debt. Start with credit card debt. Begin with the highest interest credit card debt. Again, you can get our tips of “dealing with credit card companies” in past blogs or in HOW TO SURVIVE ANY FINANCIAL CRISIS at

Think of building savings, steadily building actual assets and reducing debt as the triplets of growing wealth. Why? Because they are!

Involve your family. Teach your children. Grow together.

You can grow savings faster than you think.

You can grow assets over time.

You can set the course and pace of your personal family budget and financial life where you can grow wealth over time.

You just have to commit and get started. Keep telling yourself that slow and steady wins the race and pace yourself for regular reduction of debt and regular savings.

You can do it.


If you think I was born saving money, you are wrong. My family is filled with hillbillies from Louisiana. There are members of my family that don’t believe in 401ks or IRAs. 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. 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. I have had to learn the hard way how companies mislead with marketing. 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 and and groups on Facebook like “Coupons & Coupon Codes”)!

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

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
“Saving Money”


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