Debt To Wealth

The Law of Saving by Brian Tracy

2009-10-09T22:28:00.000-07:00

By: Brian Tracy

Financial freedom comes to the person who saves ten percent or more of his income throughout his lifetime.

One of the smartest things that you can ever do for yourself is to develop the habit of saving part of your salary, every single paycheck. Individuals, families and even societies are stable and prosperous to the degree to which they have high savings rates. Savings today are what guarantee the security and the possibilities of tomorrow.

Start With Yourself
The first corollary of the Law of Saving comes from the book The Richest Man in Babylon by George Classon. It is to "Pay yourself first."

Begin today to save ten percent of your earnings, off the top, and never touch it. This is your fund for long-term financial accumulation and you never use it for any other reason except to assure your financial future.

Develop New Habits Regarding Money
The remarkable thing is that when you pay yourself first, and force yourself to live on the other ninety percent, you will soon become accustomed to it. You are a creature of habit. When you regularly put away ten percent of your earnings, you soon become comfortable living on the other ninety percent. Many people start by saving ten percent of their income and then graduate to saving fifteen percent, twenty percent, and even more. And their financial lives change dramatically as a result. So will yours.

Take Every Advantage
The second corollary of the Law of Saving says, "Take advantage of tax deferred savings and investment plans." Because of high and even multiple tax rates, money that is saved or invested without being taxed accumulates at a rate of 30% to 40% faster than money that is subject to taxation. Self-made millionaires, according to Dr Thomas Stanley's book The Millionaire Next Door, are almost obsessive about accumulating their funds in assets such as real estate, self owned businesses and equities that increase in value without triggering tax liabilities.

Invest in company pension and retirement plans, 401(k) plans, IRA's, Keough Plans, Roth IRA's, Education Investment Accounts, stock option programs and whatever else has been approved by the IRS for long term financial accumulation. Make every dollar count!

Action Exercises
Here are two things you can do to apply this law immediately:

First, begin today to put away ten percent of your earnings. Set up a special account for this purpose and treat your contributions to this account with the same respect that you do your rent or mortgage payments each month.

Second, become a lifelong student of money. Read the best books, take courses and subscribe to the most helpful magazines. Know what you are doing so you can always make intelligent decisions when you invest your funds.

How Can You Attract More Wealth and Abundance?
We are now surrounded by more wealth than at any time in our history. The real question is how do YOU gain this abundance? Brian Tracy can show you how! Become a money magnet, immediately increase your income and learn wealth building secrets. Get the knowledge you need to make your financial future an outstanding one with The Unbreakable Laws of Money Package.

Click here to get yours today!

How to Write Powerful Affirmations and Intentions to Get Out of Debt

2009-08-05T00:18:00.000-07:00

Everything in your life is the cause of what you think and believe. Take a good look at your life from a perspective that you are the creator. Even though you may not believe you can do anything about your life right now, do it anyway and make an inventory of your life as it is now.

● What do you like about it and what not?
● What would you like to change?
● What would your perfect life look like?

Setting goals and intentions in your life is the single most important task in the entire process of creating the life you always dreamed about.

Can you imagine that almost 95% of all people simply don't do this? And the rest of the 5% do it, but only 10% of this small number ever reach their goals. That's why so many people struggle and businesses fail.

Not enough people set clear intentions about what they want in life. Like other important things that could help us attain truly fulfilled lives, the simplest things in life are mostly overlooked.

How to Program Your Subconscious for Success

Setting goals and intentions is a conscious exercise. Achieving these goals is a spiritual and subconscious exercise. This is where the Dream Manifestation Wizard comes in. By using intentions combined with images and audio plus repetition, you program your subconscious in the most efficient way possible.

There are three ways to program your subconscious:

1. Intensity – Imagine putting your hand on a hot stove
2. Repetition – Remember learning poems?
3. Synergy – Conscious mind and subconscious mind work together

Click here to find out more about the Dream Manifestation Wizard

Craft Powerful Affirmations that Work Like Magic

After you have figured out what your perfect life would look like, formulate it into short and powerful goals and intentions.

The key to writing effective affirmations is that they must be positive and stated in the present moment. A good starting point is to use something you don't like or you would like to change and then rephrase it. For example, you may not like being in debt. You can rewrite this into “Money is flowing to me easily and I enjoy it in abundance.” Use only words with positive associations. Don't use the word “debt” as you don't want your subconscious to create debt!

Now you may start to understand the inefficiency of signs and statements like these:“Don't cross this line” or “Don't get nervous about this.” Your subconscious mind does not know the difference between Do and Don't. It is the job of the subconscious to manifest your thoughts, even if the thought is negative. The statements above will only increase what you don't want, so be careful how you think about it and how you phrase it.

Choose Intentions that Align You with Your Life Dreams

Intentions are another powerful way to use the Dream Manifestation Wizard effectively. Intentions are more powerful than goals as they work on a higher consciousness level. Intentions create a new pathway in your life.

A path that you can follow until your life dreams are fulfilled.

When you craft intentions use a time frame, otherwise you are not able to break it apart into smaller goals. Lets assume you want to own your own home at some point. Decide when that should be and be precise about the details.

For example: “By the end of 2009 I live in my own 3b/2b townhouse.” Make sure you add a picture that's a close match to the house you want. Next, create some supportive goals that act as milestones: “By the end of this month I have the perfect financial plan for buying my own home,” and “Within six months I have enough for a down payment,” and so on.

A Profound Way to Rewire Your Brain

Every time you see your goal or intention on the Wizard's screen you physically rewire your brain by creating new neural pathways. This is the most powerful way to change the definition of yourself. In the beginning, your conscious mind may experience some resistance to your new goal or intention.

This simply means you are getting out of your comfort zone and growing. Over time it will get easier for your mind to accept these new commands. After a couple of weeks your brain will be completely rewired and your new goal, intention or belief will be fully integrated.

In a nutshell: Use affirmations to change your attitudes; use intentions to set a path that you will follow until it is fulfilled; use goals to set milestones for this path.

Click here to find out more about the Dream Manifestation Wizard

To your successful intentions . . .

P.S.: Check out over 500 powerful template examples that are included on the Dream Manifestation Wizard for your use. Simply copy the ones you like and change them until they're a perfect fit for your goal or intention.

Click here to find out more about the Dream Manifestation Wizard

Affirmations to Eliminate Debt and Attract Wealth

2009-05-18T13:50:00.000-07:00

Saying positive affirmations to yourself is a powerful way to eliminate your debt and start attracting money and wealth into your life.

Read more about the power of positive affirmations...

Here is a list of affirmations that you can write down and/or say to yourself on a daily basis:

I now pay all of my bills on time
I attract money to pay my bills
The Universe takes care of me every day in every way
Money flows to me easily and effortlessly

The main thing to focus on is attracting money. Do not focus on your debt because you will keep attracting debt!

How Law of Attraction Can Assist You In Your Goal to Become a Millionaire

2009-01-18T13:56:00.000-08:00

Since The Secret came out so many more people are now "wakened" to the idea of being able to direct their destiny! I have come across a lot of people wanting to apply the Law of Attraction, particularly to attract more wealth and fortune into their lives. It is probably one of the most important areas for which people truly see a change to transform their reality. At the same time I have read numerous books and articles devoting at least one chapter to this topic. In this article I thought I'd share some of the techniques I came across and techniques I use myself.

The first recommended technique is to really see yourself as a millionaire and feel yourself already being a millionaire. Focus on wearing clothes that make you feel prosperous and doing the things a millionaire does, such as looking at amazing houses and going out for lunch. Really focus on wealth and abundance instead of on lack or limitations, not having enough etc as that is what you will keep getting otherwise. If you think you "need" money, that is exactly what you will be attracting to your life: more "needing"! If you feel broke, guess what... you will attract more "brokeness" to your reality.

On the other hand, if you focus on an abundance of money flowing into your life and you really feel this abundance in every fiber of your body, you will create "money attracting vibes"! The interesting thing is, that the more you focus on abundance in your life, the more the "standard" in your mind shifts towards having money. Combined with the right action you will eventually attract that wealth into your reality. Your ideas and feelings shift from "I don't have money" to "I am receiving more and more money" to eventually actually having it.

Another technique is to visualize your actual fortune. If your goal is to become a millionaire, then write out a a check made out to you for 1 million dollars and hang it somewhere in your house where you will see it often. Better still, make copies and hang them all around your house! Visualize a stream of money flowing into your life, like a river. Or visualize your bank account with a million dollars in it. You could even print out a bank statement, white out the amount and replace it with a huge number. See yourself with a full wallet, happily paying dinner for a group of friends. Or anything else that you wish you could do if you had the money. Becoming a millionaire is great, but I assume you have this goal because you have some ideas as to how to spend it once earned. So really see yourself already wealthy! What you see in your imagination, is what you will eventually see for real with your eyes! This method is called "vivid visualization" and is extremely powerful. By practicing it, you will find that your self-image begins to conform to these new images in your mind. You are literally growing into the new successful person you intent to become.

A key factor here is to stop worrying about HOW it will come to you. The universe will take care of that, you just need to believe and focus on positive feelings and vibrations. This will attract the events, circumstances and people into your life to make your goal a reality. Look at your million dollar check and feel the feelings of having that money right now. How would you spend it? How would it feel to spend that kind of money?

A final important point to know, is that if you don't have enough money right now, it means you are blocking the flow of money into your life, with your thoughts. Your wallet speaks very clearly about the vibrations you are sending out into the universe about money at this present moment. So have a really good look at your own beliefs about money. If your beliefs are limiting and scarce, you will need to address this before you can attract your true fortune. You can work on a more positive and abundant belief system by using affirmations. Use affirmations like "I am so happy and excited that I am now attracting a flow of money into my life" or "I easily attract money like a magnet".

Combine the vivid visualization technique with empowering affirmations and the action steps you need to further your goals. This creates a powerful process, and gets you on your way to becoming a millionaire!

Author Linda Boertjens is one of the founders of OrangePeel Vision Boards, an innovative company focused on inspiring people to achieve their goals in life using a unique software tool called "Vision Board". "Vision Board" is an easy and very powerful way of displaying a Vision Board on your computer, combining your own dream images with your chosen affirmations, power words and music. It is the world's most powerful manifestation tool. For more information visit http://www.visualizeyourgoals.com

3 Powerful Tips for Making 2009 Your Best Year Ever

2008-12-18T07:27:00.000-08:00

- by Tony Mase

© Tony Mase - All Rights Reserved
http://www.constructivescience.com
=======================

With 2009 just around the corner, there are three powerful tips I'd like to share with you that'll not only make 2009 your best year ever, but will lay the essential groundwork for abundance and prosperity beyond your wildest dreams for you and your loved ones in the years to come.

Here they are:

Powerful Tip #1 - Get your health in order.

In his book "The Art of Money Getting or Golden Rules for Making Money", the infamous P. T. Barnum wrote:

"The foundation of success in life is good health: that is the substratum fortune; it is also the basis of happiness. A person cannot accumulate a fortune very well when he is sick. He has no ambition; no incentive; no force. Of course, there are those who have bad health and cannot help it: you cannot expect that such persons can accumulate wealth, but there are a great many in poor health who need not be so."

How true...

Good health *is* the very foundation upon which wealth is built.

As a matter of fact...

As Ralph Waldo Emerson put it in his book "The Conduct of Life":

"The first wealth is health."

Because, as he went on to explain:

"Sickness is poor-spirited, and cannot serve any one: it must husband its resources to live. But health or fullness answers its own ends and has to spare, runs over, and inundates the neighborhoods and creeks of other men's necessities."

Hmmm...

Just about says it all, doesn't it? :-)

The bottom line is...

Just as it'd be far easier for you to build a house when you're healthy than when you're not...

Wealth, success, happiness, and love are a whole heck of a lot easier to "build" when you're healthy than when you're not.

It's that simple. :-)

Powerful Tip #2 - Decide what you want to be when you grow up.

Let me ask you...

When you think of Bill Gates, what do you think of?

Software, right?

When you think of Warren Buffet, what do you think of?

Investments, right?

When you think of Michael Dell, what do you think of?

Computers, right?

When you think of Donald Trump, what do you think of?

Real estate, right?

When you think of Sam Walton, what do you think of?

Discount stores, right?

When you think of J. K. Rowling, what do you think of?

Books, right?

When you think of Ray Kroc, what do you think of?

Fast food, right?

When you think of Wayne Huizenga, what do you think of?

Garbage, right?

When you think of Oprah Winfrey, what do you think of?

Television, right?

When you think of Tiger Woods, what do you think of?

Golf, right?

Now...

Think about it...

Besides having "a lot" of money, by most anyone's standards, what do *all* these "rich" folks have in common?

The answer?

Simple...

They all made their "money", at least initially, just as all great fortunes have been made, in *ONE* business or profession, *NOT* ten different businesses or professions, *ONE* business or profession.

In other words...

They got rich by deciding what they wanted to be when they grew up, choosing the *ONE* business or profession they wanted to be in, and then they focused on that *ONE* business or profession until they "made it".

Therefore...

If "riches" and "wealth" are what *you* want...

That's *exactly* what you must do as well!

Decide what it is you want to be when you grow up...

Choose the *ONE* business or profession you want to be in...

Then focus *exclusively* on that *ONE* business or profession until you "make it"!

Powerful Tip #3 - Spend more high-quality time with your loved ones NOW!

I can't even begin to tell you how many people have emailed me, over the last several years, telling me they wanted a million dollars so they can spend more time with their loved ones, more often than not their children.

Yep...

I can see it now...

There they are in one room, beating their head against their computer monitor trying to figure out how to make a million dollars on the Internet, while their son or daughter quietly sits in another room wondering why mommy or daddy won't play with them.

Ridiculous?

Sure is.

Farfetched?

Not in the least.

As a matter of fact...

Sadly...

That's *exactly* how the vast majority of people spend their entire lives...

Don't you be one of them!

Here's the deal...

You don't need a million dollars to spend more time with your loved ones.

As a matter of fact...

You don't need any money at all to spend more time with them!

All you need is to make the commitment and the time to do so.

With that thought in mind...

I wish you and your loved ones the absolute best of holiday seasons and a wealthy, healthy, successful, and happy New Year!

-----

Tony Mase is a serious student of the works of Wallace D. Wattles and the publisher of the "The Personal Power Course: Ten Lessons in Constructive Science, Teaching You How to Use Your Own Subconscious Energies for Health, Prosperity and Personal Achievement" ebook by Wallace D. Wattles...

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"The Personal Power Course" by Wallace D. Wattles Ten lessons in constructive science, teaching you how to use your own subconscious energies for health, prosperity and
personal achievement. Click Here!
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Photo Credit: Hamed Saber

Subliminal Messages -- Control Your Thoughts and Create Your Life

2008-12-01T20:59:00.000-08:00

Getting out of debt is about changing your mindset! Here is an inspiring article that will help you...

------------------------------------------------------------------
Subliminal Messages -- Control Your Thoughts and Create Your Life

by Nelson Berry

All Rights Reserved

http://www.subliminalmoney.com/
-------------------------------------------------------------------

You know that YOU are the creator of all that occurs in all of your life experience, right?

You create your physical life experience through your thoughts. Literally, every thought that you think gives birth to a creation. EVERY thought has creative power.

The subconscious accepts whatever you pretend is real and will use it to create your outer reality.

The thoughts that you think, regarding those things that you want, set into motion the creation, and eventual fulfillment of that which you want. And likewise, the thoughts that you think, regarding those things that you do not want, set into motion the creation, and eventual fulfillment of that which you do NOT want.

Creative visualization is the technique of using your imagination to create what you want in your life. There is nothing at all new, strange or unusual about creative visualization. You are already using it every day, every minute in fact. It is your natural power of imagination, the basic creative energy of the universe which you use constantly, whether or not you are aware of it.

Spend time thinking of what you want rather than what you don't want and test it. Be careful of this, my friends, because if you envision something quite casually and do it with conviction, even though you may not be sure you want it, it will manifest.

This is neither magic, nor false hope. It is the reality of the power of your subconscious mind. This is why it is so important to develop self-awareness to the depths of your ability so that no creation can come about in your life without your having made the choice.

The world of images is the source of power in your physical world. Imagining what you want is like creating a model before you build the real thing. The images direct the energy in your body.

You have designed your life yourself. You have created nothing in your outer reality that is a stranger to you. There is comfort to be had by looking at your "outer circumstances" and realize that this is a perfect reflection of what you truly believe as a soul.

With each breath, with each pulsation of energy, you send out this essence of yourself, which mingles with other essences and creates and re-creates your physical environment. Feel yourself centered within and sending out waves of your energy. See it radiation outward from your physical being and into the environment, where it becomes an extension of yourself. Realize that the objects you perceive "out there" are the materialization of your thoughts, formed by YOUR energy into symbols of the inner you, your essence, your soul.

You are the creator of everything in your life. Nothing happens that you have not called to you. The inner desire of the wise and conscious soul is to externalize, to create a tangible manifestation of what it internally holds to be true and thereby experience that belief. It is through that experience that the transformation occurs.

Your life is not your master, it is your child. Every moment of your life is infinitely creative and the universe is endlessly bountiful. Just put forth a clear enough request and everything your heart desires must come to you.

Emotions help you create reality. When you believe in something, love, desire, and want it, you can create it more quickly. If there is anything you want to become aware of, focus upon it. Whatever you turn your attention to, you will create.

Life is really very simple. What we give out, we get back. You create creation with the thoughts that you think.

Beliefs generate thoughts and emotions, which create your inner experience and outer reality. If any area of your life is not working, one of your beliefs in that area simply needs to be enhanced.

You CAN control your thoughts and create with deliberate intent.

Go get it!

Nelson Berry
Subliminal Video Messages
http://www.subliminalmoney.com/

The website and the company that is pioneer in the field of Subliminal Messages Online, the leader in Subliminal Messages and has continued to be the leader in Subliminal Messages and Subliminal Messages Technology has been Nelson Berry with Subliminal Video Messages at Subliminal Video Messages Nelson Berry Subliminal Messages Technology is responsible for Millions of Subliminal Messages products sold annually for almost 2 decades.

http://www.subliminalmoney.com/

Debt Management Articles

2008-11-29T20:09:00.000-08:00

Money Attracting Affirmations to Increase Wealth

2008-09-26T15:13:00.000-07:00

by Kaylie L. Holbrook

Money attracting affirmations can be a great way to bring more abundance and wealth into your life, they can help to change your overall attitude with money. It seems that there are many people in the world that suffer from a lack of money, and using these positive money affirmations can help them get out of the rut and start enjoying life.

There are some people that attract money easily. They have large amounts of money all the time, and they make it look so simple! The secret to attracting money is to change our attitude with wealth by using money attracting affirmations. Spending a few minutes each day focusing on these positive statements can bring about huge changes in your life.

Stop thinking about how hard it is to get and start focusing on the simplicity of money, and how it flows to you easily. You should always have some positive money affirmations available, and whenever a negative thought about wealth enters your mind it you need to immediately replace it with the positive affirmation.

Negative thoughts happen to everyone, but the difference between a successful person and a failure is that the successful person does not dwell on those negative thoughts. Instead of letting the negative thoughts about wealth overtake their thinking, they immediately replace the negativity with positive money attracting affirmations.

You can use money attracting affirmations to increase the wealth in your life. Spend a few minutes each day focusing on your money attracting affirmations. During this time, you should really feel what it is like to have wealth. Visualize it so strongly so that you begin to believe it. And the money will start flowing from unexpected places!

View yourself in the lifestyle that you want to live. Imagine the home that you would like to own, the car you want to drive, and the vacations you would like to take. Keep those positive and exciting thoughts forefront in your mind, and drive out the negativity and stress whenever it tries to creep in.

As you practice your money attracting affirmations on a daily basis, you will find that your reality will change and money will begin to flow to you more easily. It is important that you use specific affirmations that are worded correctly in order for the process to be the most effective. Experience immediate change in your life by visiting our website for more information about using effective affirmations: http://www.dailyaffirmationsonline.com

A Simple Way to Begin Eliminating Your Credit Card Debt Now!

2008-03-09T23:57:00.000-07:00

- by Tony Mase

© Tony Mase - All Rights Reserved
http://www.constructivescience.com
============================================================

Recently, a friend of mine who, like many, is easily confused when it comes to financial matters, asked me to take a look at her monthly statement for a credit card she's been trying hard to pay off, but feels like she isn't getting anywhere.

I gladly took a look at her credit card statement and the very first thing I noticed, which almost floored me, is the interest rate she's paying...

29.99%!

That's right...

29.99%...

Wow!

I don't know where I've been (obviously not looking at credit card statements :-)), but I thought this was illegal.

Her credit card balance is $5,141.06.

If she doesn't charge anything else on this credit card, which she hasn't been, and if she continues to make the minimum required monthly payment, as she has been, based on the way her bank calculates her minimum required monthly payment...

It'll take her 339 months to pay off her current credit card balance of $5,141.06 and she'll pay a total of $12,345.65 in interest.

In other words...

If she continues doing what she's been doing...

It'll take her 28.25 years and cost her $17,486.71 to pay off her $5,141.06 credit card balance.

No wonder she feels like she isn't getting anywhere...

She really isn't!

So...

What should she do?

Well...

There are a number of things she could do.

However...

One of the simplest things she could do would be to continue making the same minimum required monthly payment she'll be making this month, every month from now on.

Why?

Simple...

Because she's already in the habit of making a monthly payment of at least this much on her credit card.

You see...

Most banks and credit card companies figure the minimum required monthly payment based on a percentage of the credit card balance due or a specific fixed dollar amount, whichever amount is higher.

Therefore...

Generally, the minimum required monthly payment goes down as the credit card balance owed goes down until the minimum required monthly payment gets down to the minimum required dollar amount.

In her case...

Her bank's minimum required monthly payment is 3.5% of her credit card balance or $10.00, whichever amount is higher.

This month her minimum required monthly payment is $184.93 of which $134.87 is interest, with only $50.06 applied to the balance.

If she were to do absolutely nothing else but make this $184.93 payment *every* month from now on...

She'd pay off this credit card in 49 months instead of 339 months and she'd pay $3,749.46 in interest instead of $12,345.65 in interest, saving $8,596.19 in interest
charges!

Big difference, isn't it?

Now...

If she really wants to go for it...

She could increase the amount of her "new" self-imposed minimum required monthly payment.

For example...

If she were to start paying an additional $15.07 a month for a total of $200.00 a month...

She'd pay off this credit card in 42 months instead of 339 months and she'd pay $3,191.78 in interest instead of $12,345.65 in interest, saving $9,153.87 in interest
charges.

If she were to start paying an additional $40.07 a month for a total of $225.00 a month...

She'd pay off this credit card in 35 months instead of 339 months and she'd pay $2,574.37 in interest instead of $12,345.65 in interest, saving $9,771.28 in interest
charges.

If she were to start paying an additional $65.07 a month for a total of $250.00 a month...

She'd pay off this credit card in 30 months instead of 339 months and she'd pay $2,165.81 in interest instead of $12,345.65 in interest, saving $10,179.84 in interest charges.

If she were to start paying an additional $90.07 a month for a total of $275.00 a month...

She'd pay off this credit card in 26 months instead of 339 months and she'd pay $1,874.29 in interest instead of $12,345.65 in interest, saving $10,471.36 in interest charges.

If she were to start paying an additional $115.07 a month for a total of $300.00 a month...

She'd pay off this credit card in 23 months instead of 339 months and she'd pay $1,654.79 in interest instead of $12,345.65 in interest, saving $10,690.86 in interest charges.

And so on.

Now...

If she really, *really* wants to go for it...

She could double the amount of her "new" self-imposed minimum required monthly payment.

If she were to start paying $369.86 a month instead of $184.93 a month...

She'd pay off this credit card in 18 months instead of 339 months and she'd pay $1,254.35 in interest instead of $12,345.65 in interest, saving $11,091.30 in interest charges.

Huge difference, isn't it?

As I said above, there are a number of things she could do, but this is one of the simplest and it's something she can start doing right *now* to begin eliminating her credit card debt...

And...

So can you! :-)

If all you do is stop charging on your credit card and continue making the same minimum required monthly payment you'll be making on your credit card this month, every month from now on, you'll make significant progress towards totally eliminating your credit card debt once and for all.

-----

Tony Mase is a serious student of the works of Wallace D. Wattles and the publisher of "The Science of Abundant Life" ebook by Wallace D. Wattles...

=====================================================
"The Science of Abundant Life" by Wallace D. Wattles
"The Science of Getting Rich" by Wallace D. Wattles together
with Wallace D. Wattles' "The Science of Being Well", "The
Science of Being Great", "How to Promote Yourself", "The New
Science of Living and Healing" and "Hell-fire Harrison".
Click Here => http://tinyurl.com/3e3jmq

Wealth Through Elimination of Debt

2008-02-29T19:26:00.000-08:00

Buy at AllPosters.com

Not too long ago, I was constantly looking for ways to increase my income just so I could improve my lifestyle temporarily. Working extra hours so I could go out on the weekend more often. Or taking odd jobs so I could afford to get a cool new cell phone. It took me a long time to realize that I was getting virtually no where financially and if I didn't keep busy at all times I would begin to fall behind on my bills, or overspending one week would set me back for months. I was constantly working to afford my lifestyle.

If my previous situation sounds like what you're going through now, you're in luck. Now is the perfect time to get out of debt and to start acquiring wealth. Now is the time you should be cutting back on your expenses in a big way. For me gas and the cost of going out had to be cut down dramatically. I simply didn't go out some weekends and instead spending the extra time developing my business. I then went over all my credit card and bank statements for the last 6 months and canceled any subscriptions I wasn't aware of. Somehow I ended up with subscriptions to about 6 magazines that I don't remember signing up for. This saved me $80. $80 doesn't seem like a lot but it's just enough to pay for small expenses.

Cutting down on expenses means cutting down on credit card payments. I was able to do this with little hassle by canceling all my cards. Even the ones with balances on them. After I canceled my monthly payments dropped dramatically. I made my goal to pay of 25-50% of my total balance every month and I was out of credit card debt in no time.

Many people are assumed to be wealthy because they have the nicest car in the neighborhood and you always spot them sitting in front of their big screen. This is very untrue. Many people living with all the extra luxuries often times actually deep in debt and have no wealth at all. Just possessions and debt. Acquire enough wealth so you don't have to trade your time for money at a day job. Eventually you should be able to live off the wise investments you made months, years, or even decades later.

Start acquiring wealth now. The longer you are able to hold healthy financial habits, the easier it gets to acquire wealth. As you make more progress and make more and more smart investments, managing your money is no longer a chore but rather an opportunity to expand your wealth without risk to your lifestyle.

About the Author

Tom Kranz writes articles on debt prevention and management, debt management solutions, and debt management programs. His articles regular appear on http://www.finance-portal.co.uk.

Inspirational Wealth Quotes

2007-07-29T00:58:00.000-07:00

Here are a few inspirational wealth quotes to keep you inspired...Enjoy!

"We make a living by what we get, but we make a life by what we give." -- Winston Churchill

"No man can tell whether he is rich or poor by turning to his ledger. It is the heart that makes a man rich. He is rich according to what he is, not according to what he has." -- Henry Ward Beecher

"To get rich never risk your health. For it is the truth that health is the wealth of wealth. " --Richard Baker

Wealth Management And Wealth Attraction

2007-07-09T01:34:00.000-07:00

Author: Mark Goodworthy

When talking about possession, a person unconsciously refers to wealth. But depending upon its use, wealth can be defined in different ways. Basically, it can be classified into financial and non-financial.

Financial Wealth

In the economic world, wealth is defined owning items which have economic values. Example of having financial wealth is the accumulation of things like real estate, money and jewelries. There are reasons why people try to have financial wealth. The most common reason is security.

People with financial wealth also believe that having them brings power, respect and recognition. Depending on where you live, the amount of financial wealth you have accumulated will be relative. Wealthy individuals living in third world countries would be considered average in countries like the United Kingdom and United States.

Non-financial Wealth

While other people are occupied with the accumulation of material wealth, other people believe that true wealth is not something that has economic value. Faith, love and peace of mind are just some of the examples of non-financial wealth that some people strive hard to have in their life. The reasoning behind is simple. Even with all the material wealth in the world, a person would never feel truly complete or secured without non-financial wealth.

In recent years, society has finally looked at non-financial wealth as equally important as financial wealth. Ironically, some people need to spend money just to obtain non-financial wealth. They enroll in yoga or meditation classes to have peace of mind, donate huge amounts of money to participate in religious activities and even buy their loved ones expensive gifts to show their love and appreciation.

It is therefore obvious that people have integrated these two types of wealth to define the true meaning of the word. To achieve or create financial and non-financial wealth, here are some of the most common practices.

To achieve financial wealth, you can harvest natural resources and/or develop or change a material thing thru skills and knowledge application. Another way to create wealth is by improving methods in production, effectively creating wealth faster. You can decide to set a limit to your accumulation of financial wealth depending on your need for security. On the other hand, non-financial wealth can be achieved or created by analyzing your needs and priorities.

You can only achieve peace of mind if you know what you want in life. Since non-financial wealth is not quantifiable, it is difficult to realize whether or not you have enough of it in your life.

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When attracting wealth, what does it mean to you? Create wealth the easy way to wealth management using hypnosis.