Imagine not having to keep up with the subscription to a newspaper that you never read anyway. Imagine not having your mailbox cluttered with trashy Pennysaver spam. The age of the coupon in the written periodical is over. You want to use the Internet for price comparison options such as property insurance because it is simply more convenient to do. 

2. There are simply better deals online. 

Smart money in commerce is moving online, no matter what the industry. Businesses know that it is much easier and cheaper to sell something online than it is to have to maintain a storefront to sell the same item. Because of this, every business from the top Fortune 100 companies all the way down to your local grocer is putting their best deals online, not in the local Pennysaver. 

3. You save paper. 

Unsubscribing to all of the newspapers and the Penny savers will save paper as well. Did you ever think that using an online site for house insurance would actually be environmentally sound as well? Well, it is, and you should be darn proud of yourself. 

4. There are more options of things to save online. 

You might be able to save a couple of bucks on groceries or on certain types of clothing items online, but you definitely will not be able to save money on life insurance, house insurance, disability insurance or unemployment insurance, liability insurance, your gas bill and water bill, tax services, and any host of other things. Because the Internet has price comparison sites for virtually everything under the sun, there is virtually no line item in your monthly budget that you will not be able to find a way to save money on, including the things that you thought were completely not negotiable. 

5. You can save instantly. 

Because the coupon business is moving into an electronic medium, you can carry it literally wherever you go. For instance, many businesses have location-based services in which they will alert you of deals when you are in the physical proximity of the store. Before, if you forgot your Pennysaver or your newspaper at home, you were just out of luck for that day. However, in the savings world today, you can actually be put on alert to the best deals and not even have to remember them yourself. This means that you can save instantly on deals that you did not even know existed by just signing up for the right lists and making sure that you have your cell phone with you at all times. 

6. You can save more. 

The coupons on the Internet are usually able to help you save more than any coupons that are not on the Internet. This is because selling a product on the Internet, as mentioned before, is much less expensive for companies to do. They will therefore pass those savings along to you in the form of the online coupon. Do not let this opportunity pass you by – take the biggest amount of savings they possibly can at any point in time. 

7. You have better selection. 

Every business that is worth its salt is trying to get online. As a matter of fact, the new businesses with the most cutting-edge technologies to not even bother with a storefront or an off-line way of commerce. So to get the best deals from the hottest businesses with the latest technologies, you want to use the Internet.

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It’s a story about a parking lot attendant and how he made very little money yet he was still able to create a small fortune over time.

I really like all of the little lessons it teaches about how you shouldn’t have an excuse that you can’t invest. The main gist is to buy and hold and to keep buying.

The Negative

Not really a big negative but it makes the book show its age because it talks about getting a pager to free up money to purchase stock. Pagers? Wow. But you get the point about what they’re trying to say.

The Positive

It really goes over the basics of buying and holding and how to free up money to invest. I really like the message in the book.

Would I Buy It?

If I was just starting out in the world of personal finance I would. It really shows by example how it’s possible to become rich over time on a small income.

Buy It

Nickel And Dime Your Way To Wealth New

Nickel And Dime Your Way To Wealth Used

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1. You’re much more likely to resolve mortgage-related problems under Chapter 13. Even the official United States Bankruptcy Court website recommends Chapter 13 above Chapter 7 if you hope to resolve past-due mortgage problems and keep your home. If you go for the Chapter 7 option, you’re much more likely to outright lose your home. In Chapter 13, court officials and your mortgage lender are much more likely to work with you to resolve a past-due mortgage problem and come up with an amenable solution for both you and the lender that doesn’t involve home foreclosure. Remember, most lenders would rather not deal with foreclosure due to the expense, red tape and potential for serious profit loss.

2. Your credit suffers less long-term damage when you choose Chapter 13. Chapter 13 is noted on your consumer credit reports for seven years from the date of filing, while Chapter 7 cases reflect for 10 years from the date of filing. Since you’re partially repaying your debts for three to five years under Chapter 13 and can’t legally get new credit without court permission, the wait to become credit-worthy again is significantly shortened with the Chapter 13 option.

3. Your ego may be less bruised in Chapter 13. No bankruptcy is easy and Chapter 13 is no exception. No matter what option you choose, you must open up your personal and financial affairs for court officials and in some cases, your creditors. Filing bankruptcy is nothing to be ashamed of, though internal feelings of shame and guilt are all-too-common among some people who have had to file bankruptcy. With Chapter 13, you can reassure that inner critic by reminding it that you did not take an easy way out and are repaying your creditors to the best of your ability.

If most of your debt problems are related to federally-issued student loans, tax bills less than three years old, court fines, child support or alimony, then Chapter 13 won’t help you. No type of bankruptcy reduces or cures these types of “priority” financial obligations. The same rule of thumb applies to debts incurred due to illegal activities like drunk driving. If you’re embroiled in a struggle against one or more of these debts, contact someone involved in the situation such as an Internal Revenue Service or family court clerk.

Stephanie Mojica is a writer for Quizzle.com, where she specializes in helping consumers with debt management and financial planning. She’s also a business success and prosperity coach and author of the free report “5 Business Prosperity Secrets.”

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Why would I want Financial Freedom?

The goal of financial freedom is to be able to lead a lifestyle that you choose without having to worry about money. This seems like a big goal for many. The important thing to remember is that financial freedom is all about your time and your life, and not just about money. So if you can earn double what you are earning now by putting in twice the number of hours, that doesn’t seem like a great start to a journey you would look forward to. You should be able to make money without having to work as hard.

1 goes in 2 come out

Financial freedom is never achieved by working harder, only smarter. Of course this also requires hard work but in a different way. What you need to realize is that to be financially free, you will need to invest money to make more money. So, the source of your income is diversified and is moved away from the linear relationship of time and money. What this means is that you do not want to be working twice as hard to make twice as much. You could work the same amount, invest in good opportunities and let these investments make money for you.

Knowledge is power

There is no single investment that can be called best. There are thousands of opportunities available and different options suit different people, based on their appetite, personalities, financial position, etc. However, no matter what type of investment you choose, you need to know in detail about the market. Knowledge is indeed power in almost all types of investments. So if you are looking at real estate, make sure you understand how the market works and what kind of houses attract higher rental incomes. You should also know which places are best suited for this investment. If you are investing in the stock market, you need to carefully understand the different kinds of analysis and also know how to read the balance sheets of companies you want to invest in.

It takes time and effort to work towards financial freedom, but it is certainly worth the efforts. You will no longer need to rely on your next paycheck to meet your expenses and if you work smart, you can make enough so you can buy everything that money buys. Financial freedom is all about creating alternative sources of income so that you do not have to work for the money – let the money work for you and make more money. That, in a nutshell, is how financial freedom works.

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