Tag Archives: budget

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.

Areas Where You Can Save Immediate Money


If you are reading this, you have opportunity to begin a new adventure in handling your personal finances in a way that will end up putting more wealth into your family over time and perhaps change the path of your family in future generations.

The average large business today is pulled back on expenses. In other words, they are holding cash. They are doing this because they have concerns about the economy, consumers and spending. It creates a situation where they are being harder and harder on employees. Cutbacks are everywhere. Cuts in wages. Cuts in hours. Cuts in expenses.

What does that leave for you?

Little….or nothing. The major corporations are trying to separate you from your money all the time and they use powerful marketing to do it. So, it’s you and I against them. And we can win.

The U.S. economy is not going to bounce back anytime soon. It will be a slow movement curve up (if we are lucky). We are a consumer-based society. In order to win, we have to use our power.

If you want to survive and thrive, you must work to make regular savings a part of every paycheck that you receive.

You can begin with the “1% Savings Plan” in previous blog entries or at our website http://www.MiddleClassMoney.com.

To jump start savings, look at your expenses. Call every business that sends you a bill and tell them up-front that you are in financial stress and need to cut your bill with them by 12 – 15%. If they won’t help, ask for a supervisor. Ask how you can reduce your bill and be patient with them. Be prepared to be open minded and be open to their suggestions.

Every dollar you “save” or get these companies to “reduce” in your bill you should add up and put into an “official bill” that you pay each month from now on. In other words, soak up the savings and use it for SAVINGS.

For instance, let’s say you find a way to save $10 on your cell phone bill per month. Take the $10 and put it in your budget as a “bill” you pay each month to your savings from now on. Then, let’s say you save $32.50 off of your cable bill by bundling or through reduction in channels. Take the $32.50 and add it to the $10. Now you have a bill at the beginning of each month that is $42.50. Keep going. Any reduction you get in your monthly billing should go to this “savings bill.”

Areas where you can really push expenses down:

– Cell Phone Plans (shop, compare and review the minutes you use vs. the minutes in your plan).

– Car Insurance/Home Insurance (compare at least once per year; if you have not done this in awhile, call at least three insurance companies and YOUR OWN to compare coverage and price. Make sure you compare apples to apples for the exact coverage you have today).

– Grocery shopping (if you are not shopping at Walmart or one of the big discount retailers, you may be spending A LOT more than you should).

– Book stores, malls, high-end stores (Check out Amazon, Ebay and Craigslist instead).

– Christmas or holidays (Yes, you can use Craigslist to get amazing deals on perfect gifts that those you love will love themselves. And you’ll save tons).

The # 1 thing you can do for your family is see things as they really are:

Big corporations are after your money and using powerful marketing. The more you can learn and focus on saving, the better off you will be. When you save money using a coupon or reducing a bill, add that money up and make it an “official bill” that you pay at the first of each month. You will be shocked how quickly it adds up.

You can do this!!!!

GET SERIOUS ABOUT AVOIDING POVERTY ISSUES

If you have two (2) incomes in your family, the single best thing you can do is work to reduce your expenses and lifestyle over time until you can live on one income and both save and invest the other income for success between now and retirement.

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 do You Protect Your Children?


How do you protect your children if you are worried about the future and concerned about the out-of-control debt of our nation and the prevailing credit-focused society in the U.S. coupled with where the overall world economy is headed? If you are me, you blog and write to help your kids and others.

No one knows the future. Everyone wants to be rich today. That is not generally how quality is built. Quality is built with hard work and consistency. In personal finance, that means having a plan and including regular savings with every single paycheck. That is a way you can overcome negatives in today’s economy (and the future economy of our children’s lives).

In the 1970s, experts recommended you build an emergency savings of 3 to 6 months expenses in savings. Do you think things have changed since then?

Now we recommend that you develop your own regular savings plan to build an emergency savings of 15 to 18 months of expenses. It isn’t about saving it all TODAY. It is about steady and regular savings to get there.

If you are not saving 15% of your after tax income, you should work on a plan to develop this kind of savings.

Of course, you should be in your company 401k for your long-term success. This is long-term savings for….later.

More than this, you should be thinking of your money in only three (3) ways:

Money you make

Money you spend

Money that goes to work for you

It is important to make money and pay your expenses to live, but if you really focus on how you and your family can separate money to “go to work for the family,” you will have success in building savings and eventually wealth.

If you’ve been reading this blog for any length of time, you know about our “1% Savings Plan.” If you don’t know about it, you can check out our “1% Savings Plan” in past blog entries here and at http://www.Boostmywealth.wordpress.com or in “How To Survive Any Financial Crisis” at http://www.MiddleClassMoney.com.

You must have a plan for putting money to work for your family. Money really never does sleep. The only money that counts is money that goes to work for your family. You work hard. Why shouldn’t you focus on putting money to work for your family with every paycheck. It doesn’t take much – – – but it does take steady saving.

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.

Trying To Get Ahead In This Economy

budget
People always tend to think things will always be the way they have always been. This kind of thinking often goes on until it’s too late.

Nowhere is this more true than in the world of the family budget, personal finance and trying to get ahead in an ugly economy.

Our blog isn’t even about retirement. Forget that. This is about your daily life. This blog is about making an adjustment in your thinking and building your own plan to build savings and boost overall wealth. We don’t preach get-rich-quick (because that is often a scam). We talk about the things that – over time – have proven themselves again and again to work and produce actual savings and then wealth.

We talk about how you can be in control of your self-image.

You can be in control of your self-worth.

You can be in control of your thoughts on income, value, savings and investing.

A lot of people today feel they are shut out of saving and investing because living normal and average daily life takes too much of their money.

They become overwhelmed.

But you can free yourself.

Start with our 1% plan if you feel you really cannot save any money. Take 1% of your next after-tax paycheck and pay yourself before you pay any bill. Only take 1% of your after tax income…but TAKE IT to savings.

Each time you get paid, increase the “savings first” by another 1%. Do this until you reach 20%.

No, we are not kidding. This is an excellent way to ease into regular and automatic savings.

A lot of people want to be rich, but few want to work to make it happen. Unfortunately, working to make it happen is about the only way you can build assets in this country.

Hard work always pays off. In the arena of personal savings, that starts with regular and automatic savings. You can do this.

SAVE MORE THAN MONEY

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 http://www.middleclassmoney.com.

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