What you think does matter

8. Cut your bills down [ cut waste ]. Sounds easy enough right: Just cut your bills. I have always heard financial gurus tell the general public that all you need to do is cut down on your expenses. It’s a simple principal – you can’t deny that. I just never found a guru who actually told me how to do it. I mean in basic terms. You know? If I am totally broke living on the minimum, how can I cut my expenses – all I have is the Bills. You know – food bill, electric bill, water bill, cable bill, car bill [ payment] and so forth. How do I cut my expenses when I need to eat, I need electricity to keep the food I need to eat. I need my car to go to work in order to pay for the food I need to eat and so forth. How can you help me with that? Well, I am no Financial Guru, but I can share with you what I have done to cut down the bills [ expenses ]. A.Food bill: you need to it, no doubt about that. So what did I do, I started couponing, I learned what local store had 2 for one deals and I visi...

5. Create a plan and stick to the plan Yes, your thinking – this doesn’t help me save money, but you are wrong. Why do people fail, because they fail to plan? In order to get where your going you need to know how to get there. I to many times in the past often planned on doing this, achieve that but always failed to make plans. Plans, it helps you figure out where you start, how you progress and when you finish. Am I right. Imagine you enter a race and they tell you to start running, you ask in what direction and they say which ever direction you want. You ask for how long and they answer – I don’t know, until you get tired. Chances are you are not going very far. Making plans is what allows you to accomplish what you need or desire. Lets say your goal is to go on a dream vacation. You have to know first – how much it will cost. Then you will have to know how much money you have left over after to pay all your bills and expenses in order to know if you have extra to save toward this or...