10 STEPS TO SMARTLY MANAGE YOUR MONEY HABIT.

 Everyone desires to live a comfortable life. One of the ways this can be achieved is by mastering the art of making and managing money. The 10 steps below will help you to get smart about money.

1. Get organised

This requires managing not only your financial documents, but also your time. Try to dedicate time each week to thinking, talking, and learning about money management.

2. Know where your money goes

Gaining control of your financial situation and using money to help you reach your goals is possible, but first you must recognize where your money goes.

3. Shop smarter

Making smarter spending decisions is another way to “find” money without actually making more. Make a shopping list, and stick to it. Avoid “impulse” purchases.
   

4. Look at your debt

As you continue your journey toward financial well-being, consider the amount of money you currently owe. The sooner you identify exactly how much debt you have, the sooner you can make a plan to pay it off.

5. Reduce your debt

After assessing how much money you owe, you may learn that you are carrying too much consumer debt. Don’t let this realization overwhelm and paralyze you. By combining financial planning with debt management techniques you can reduce your debt.

6. Build a strong credit report

Your credit report is a record of how you have paid your debts in the past. It shows the current amount of debt you have, and how much debt you have repaid.

7. Save for your future

Saving money is not easy, but it is essential to achieving financial well-being and securing your future. One of the best and easiest ways to save money and start a strong retirement income planning programme is to pay yourself first. Every time you receive a paycheck, save a certain percentage of your income before spending money on anything else.

8. Set financial goals

Perhaps you would like to take a vacation next summer. Or, maybe you hope to go back to school in the next five years. Whatever your goals might be, you have a better chance of achieving them if you write them down. As you list your goals, divide them into three categories: short term, medium term, and long term. Make sure you prioritize your goals.

9. Create a spending plan

Putting your financial goals in writing can make them seem more concrete and achievable. However, it is easy to allow everyday purchases and obligations to get in the way of saving for the future. One of the best ways to make sure your daily spending habits do not overwhelm your life goals is to create a spending plan.

10. Invest money to reach your goals

Once you have identified your financial goals and established a spending plan, you know what you are saving for and how much you will need to get there.

( Culled from www.stanbicibtcpension.com )

7 Secrets To Building A Profitable Internet Network Marketing

To start building your own NETWORK MARKETING BUSINESS, you need a mentor and a company that is tested and proven that encourages the use of the internet in running your business. Check AVENUES TO WEALTH

Network Marketing Inspirational Video: Why We ROCK!

Wealth Formula That Can Never Fail

By Dr Sunny Obazu-Ojeagbase

One question that keeps coming up in my interaction with some of my readers during the out-going year is, “What can I be doing to earn steady income and stop depending on people?”

Each time someone puts this question to me, it gets me thinking. I turn the question around and ask, “Is there a wealth creation formula, one that can never fail? If there is, what is the formula? And how complex is it? Can just about anyone who is determined do it?”

After months of deep reflection and extensive research, I believe I know the answer to those questions. Yes there is, indeed, a wealth creation formula, one that can never fail!

Before I tell you what the formula is, let me quickly explain the word formula because it holds the key to your having a clear understanding of what I’m trying to share with you here.

Formula, according to one online dictionary, is a set form of words, as for stating or declaring something definitely or authoritatively, for indicating procedure to be followed, or for prescribed use of something.

In other words, it’s a fixed or conventional method for doing something; a rule or principle, a recipe or prescription.

With that definition, you get the idea that a wealth creation formula is a set of principles or recipes. So now what is the formula? It’s a four-part process which, when combined, makes it possible for you to create wealth.

Here are the four parts:

1. Make GOD the foundation

2. Find a way to start earning legitimate income at a regular frequency and discipline yourself never to spend it all;

3. Learn the art of how to get paid over and over for your service and

4. Focus absolutely on steps 1, 2 and 3 by finding a way to do it better and better repeatedly.

That’s the formula. Now, let’s break it down. The first part is straight-forward, isn’t it? What it means is that you’re to make a decision to fall in line with what GOD says. That implies that you must know what GOD said and can align yourself with it.

The best way to achieve this is to become a serious student of the Word of GOD and, as you get to know what the Word says and be committed to doing them, you are laying a solid foundation for wealth creation.

For example, if your GOD is the same One that I’m serving, then you will be a committed hearer and doer of what GOD has said which are recorded in the Bible. A devoted and excited doer of the Word is a sure candidate for enduring wealth.

That person just cannot fail to have all round success. This is how the Word confirms that assertion: “Do not let this Book of the Law depart from your mouth; meditate on it day and night, so that you may be careful to do everything written in it. Then you will be prosperous and successful.” Joshua 1:8.

That should make your heart sing for joy if you’re a hearer and doer of the Word. Why? Because you’ve just heard Him say it [hearer] and if you now go ahead and do what the Word says, you have become a doer.

Then you will qualify for what the Word promised. And my GOD will never deny Himself. He will do whatever He has said in His Word. Nothing is too hard for Him.

Part two of the formula says to find a way to start earning legitimate income at a regular frequency and never spending all your earnings.

Usually, this does not mean earnings from a dream job or a top flight career. We are here talking about someone who is probably jobless and has no clues about where the next meal will come from or someone whose total income in a month is “nothing to write home about.”

The temptation for people who find themselves in this situation is to either get so discouraged and despondent that they give up on life.

I have to admit that this is a very challenging condition. But if you can just brace yourself up and do what I’m about to recommend, you will not only find your feet, you will also escape from the shackles of poverty.

The thing to do, to overcome this challenge is simply to get up and find a valuable service that you can render for somebody for which you will be paid. And, whatever that thing is, make sure it’s legitimate.

Then when that effort starts to generate some income, go a step further and discipline yourself not to spend all your earnings no matter how meagre it may be.

This is a very crucial aspect of the wealth creation formula. Most people don’t get past this stage. They either get stuck with the menial job they are doing that is giving them steady income or they look at the money they are earning with disdain, instead of thanking GOD for it.

But if you understand how this formula works, you will have a different mind-set. First, you will realize that this is a temporary stage in your life. It’s not a place you want to stay too long at.

All you want to do here is to have some money coming in which can provide you with some food to eat [not necessarily a regular satisfactory meal] as well as have some left to invest on self development.

For your investment in self development, be careful in making your choice. Here is a secret I want you to learn. Acquiring a specialized skill which you can master very well and use your knowledge to serve others is the best way to go.

For example, you know for a fact that there are some things that people and companies will always pay other people to do for them. Choose one of those things that you like, learn how to do it and then work at being the person who renders the service better than anyone else.

If you can discipline yourself to do this, you are halfway out of the poverty zone. Before I go to the third part of this formula, let me emphasize another thing. Earlier on, I hinted you about the danger of not being grateful for the meagre income you’re earning from doing menial jobs at the second stage of the formula.

Well, you really ought to be careful about it. If you allow lack of gratitude to creep into your heart, it will so consume you to the point of not letting you have the desire to engage in self development. If you allow that to happen to you, you will be in deep trouble. So watch out!

Okay, now you have crossed that first dangerous hurdle where many get knocked down. In the third part of the formula, your goal is to hone in your skill in order to be getting paid over and over for your service.

What exactly does this mean? Remember that you now have a skill? And that you have mastered that skill to the point where you can position yourself as the one that can do it better than anyone else? Now is the time for you to set up a business based on that specialized skill.

Being the number one in your area of specialty does not automatically translate to your business spinning off profit once you opened shop. This is another trap that often trips people that are just starting in business.

When most people start their business, they expect it to take off with a bang. And they can’t wait to start banking their profits. But it hardly ever happen that way. And when it doesn’t, most people lose interest in the business and wander off to other things.

To get this part of the formula right, you have to learn to exercise patience. And I can tell you this from experience that this stage of the process leading to your financial freedom could be even more challenging than when you had to do menial jobs to generate cash flow.

A combination of all the lessons you learnt in parts one and two of this formula are what you will rely on to help you overcome the winter season you will encounter in the part three of the formula.

There will be a new demand on you to learn other skills, especially skills like how to run a successful business, how to market your products and services, how to manage human and material resources and how to attract customers and make them happy for life.

Your ability to learn these things and excel in them will determine how successful your business will be. But if you persevere and put everything you learn into practice, not discountenancing integrity and ethical behaviour in your business, you will get to a place where that profit you thought would not show up or was too late in coming will be the order of the day.

When you get to that place, all you will ever need to do will be to be applying everything you learnt in steps 1, 2 and 3. But this time, you will be doing it better, smarter and faster. And as you keep doing that, you will be growing bigger and bigger.

That is my formula for creating wealth that can never fail.





Source: [www.sunnyojeagbase.com]

Financial Freedom from Home – How I Generate an Average of $1200 Monthly Doing Very Little Work

It is very possible to attain financial freedom working from home. This works when you have the required skills and the right tools. For me, it works by promoting an MLM product.

First Thing First – You Must Have the Desire for Financial Freedom

For one to attain financial freedom, you must first have the desire. This desire will propel you to start doing something that will put extra money into your pocket. Personally, I was a direct salesman but I was not happy with the condition of my work and the amount of money I was making. I needed to make real money and also have the time to spend the money with my family. Looking at what I was getting from my paid job, I knew that it was not the type of thing I want to be doing. Thus, when the opportunity came for me to quit rat race, I did not waste time. I was promoting an MLM product alongside my primary direct sales job. This I was doing offline and the result was not impressive until something happened which changed my story.

Internet Network Marketing: The Super Sales Model

I came in contact with an internet marketing coach who showed me how to leverage on the internet to market my MLM product. I was taught how to work less and achieve more result using the power of the internet. There are certain skills required to promote an MLM product or service effectively online. These were revealed to me and when I started implementing them, my team increased to one hundred and twenty down lines within the space of three months. M y rank moved from bronze distributor to gold. Also, my MLM monthly earnings tripled my direct sales job income. Hence, I fired my boss.

The Three Key Tools That Produced the Result

i.                     I use article marketing to reach out to so many people. With article, I drive for prospects who after reading my articles, visit my blog to learn more about my product and the MLM Company. The secret of article marketing is that you should be consistent, informative and distribute your articles in at least ten article directories. Your article’s conclusion should be open-ended, i.e. you should use statements that will make your readers to click on your blog link in your signature to learn more. Be sure you have an auto responder squeeze page plug-in in your blog to build list of leads.

ii.                   Forum marketing is another tool that I use very well. I registered with over ten active forums that are specialized in my niche. Always make valuable contributions in the forum. Sometimes, you can be controversial. This is to spur reactions from forum members so as to know those that have interest in what you are doing. Also, do post some parts of your articles in the forum. You should not market your product or service direct in the forum, unless in the forum market place, else you will be tagged a spammer. This may cause you to be banned. You must use signature to drive traffic back to your blog.

iii.                  Email marketing is a powerful tool I use to maintain interactive relationship with my list. With email, I educate my team members. Every single thing that I do that produce result, I put in email and send to my list. This way, I train my downlines who replicate what I do to achieve result. That way, I grow more in ranking. Consistency is not negotiable in email marketing.

AMAZING WEALTH BUILDING OPPORTUNITIES

Extra Income, Financial Freedom,
Your Own Business, Personal Development,
More Spare time, Build New Relationships,
Help Other People, Leave a Legacy.

If any of these appeal to you, then this is going to be exciting for you.
What you are about to read is a result of a mixture of common sense and a lot of experience at failing and learning. What is on ground today, is undeniably the best value proposition on the planet.
When I share this opportunity face to face, people smile, most often laugh, and sometimes go hysterical. It's good, but it's true. Please read slowly and digest the concept and your possibilities.
In Summary, there is a company that offers it's customers lifestyle enhancement products and opportunities. It also offers them a growing list of everyday items, and packages it all in a product bundle called a Privilege Pack. This privilege pack is a must have, considering how with so small money, you can get so much value. The privilege pack costs up to $330 or N50,000 per year, depending on your chosen method of payment.

It's a World of possibilities

What's in the Privilege Pack. . .
The privilege pack is a bundle of Privileges that are valuable to people who are interested in a better life. These privileges are simply amazing, even though we are in the early stages.
These privileges in the broad sense consist of international and local products. Once you purchase, the company gives you a password, this password is your ticket to economic Freedom!

International
You get about 160+ e-books worth $3,000 on different personal development issues. You have books that are for attitude development, financial intelligence, internet mastery, parenting, dating, weight loss, e.t.c. These are tremendous value for someone interested in personal development. On these books you have rights to download, print, keep, give away and even resell.
You get access to over 4 search portals that make your life easy, in helping you locate the best deals around the world in hotels and flights. Using the search portal for example you can get to save up to 60% at times on hotel booking around the world, and you can make some savings on flight travel as well. On hotels, the deals can be mouth watering. For example, on a recent leaders trip to Dubai, some of our leaders noticed that the advertised cost of the rooms were $200, but using our portal the same hotel was only $71. . . an incredible 64% saving. With flights the portals help you locate who is offering the best deal, and there is an agent in your privilege pack as well, who helps you discount the best deals further.
Short Stay Offers (Vacation offers), for just being a customer with this company, you get some mouthwatering heavily discounted vacation. For example, you and your partner can go and enjoy an exciting 3 days in Dubai consisting of the following:
PACKAGE INCLUSIONS

 Three Days and two nights in LAS VEGAS
Come and join us in Fabulous Las Vegas for 3 fun-filled days
and 2 exciting evenings of fun in the city that never sleeps!
This special "Vacation Package" includes 3 days and 2 nights in
either the Excalibur hotel or the Golden Nugget hotel in fabulous Las Vegas,
as well as show tickets and $100 in promotional slot play.
Three Nights Accommodation in Dubai Daily Breakfast
Return Airport Transfers from Dubai Airport
Desert Safari with Barbecue dinner and belly dancing
Half day Dubai city tour
Dhow Cruise with dinner and transfers
This offer is available to members for just $255 per person for a luxurious 3 star hotel. There are up to 8 options in Dubai alone.
There are also such deals for Australia, Singapore , Malaysia, Bali, Beijing, Mauritius, Thailand e.t.c. covering varying things. This kind of deal for Dubai will naturally cost about $500-700 per person. Singapore for example has a deal that covers hotels, airport transfer, meet and greet at the hotel and a city tour for about $177 per person.
Complimentary offers, this is the point where people start laughing with uncontrollable excitement. The company offers without any extra qualification to it's members, complimentary vacation offers. Complimentary means you are entitled to what is offered without paying an extra dime! An example of this is Thailand below. . .

 "5 Nights in Phuket for 2 (Free Gift)"
Unlike the bigger, busier, and noisier Patong Beach 10 minutes north, Karon offers visitors a nice long quiet stretch of sand, with plenty of beach umbrellas available for rent. Facing west, it gives a beautiful view of the sunset.
All hotel rooms are well-appointed with modern amenities for guest's comfort and convenience such as fully stocked mini bar, air-conditioning, IDD Telephone, Satellite TV, Separate Bath tub, Coffee/tea making facilities.

The hotel offers room service for in-room dining.
Alternatively, guests can enjoy fresh Thai food at the 240 seat waterfront open-air restaurant, open daily from 12:00-24:00 hrs.

Voucher Inclusions

6 Days / 5 nights accommodation for 2 adults based on twin share
Breakfast for 5 days and Free Internet usage for stay
These types of offers are also in development for Dubai, Mauritius and Las Vegas.
In Development
Opportunities to participate in fractional ownership of properties around the world, and make cool return on investment from sales and rentals. With as low as $100, customers of this company can participate in amazing deals.
I could stop here, but this is just a fraction of what is available. On the local scene, the company has struck partnerships with an increasing number of organizations to offer it's members amazing discounts! Some of the partner companies have great brands, that makes you know that there must be something exciting about this company.
Local Discounts
For example, the company has a deal with GTA Assurance, one of Nigeria's premier financial services brands. With this deal, you can actually get the privilege pack for FREE :) If you are already a customer though, you get to pay N40,000 less than what others are required to pay, you enjoy a great cover, and you get your money back with some amazing interest after 6yrs.
We also have discounts with a number of hotels, discounts with Cinemas, discounts with laptops and cameras, discounts with Landed property, discounts with taxi services (itaxi), discounts with Sleek products, Discounts with training providers, Discounts with prepackaged travel to Mombasa, to Kenya. The target is to have 1000 local products in by Dec 31st, the good news is if you have products you want to be on the site, as a customer, you are welcome!
I'm sure you agree with me that this is a good place to put a final stop. The company is offering over $4000 worth of value in exchange for a penchant $330 per year. That's good enough for anybody, and it's sure good enough to spread the word to your friends. However, this company does not want you to share it with your friends anyhow. Let me share with you why.
Aside of these tremendous value that the company is adding. The company is doing something even more exciting, Let me lay it on you.
Profit Sharing!
The company is giving every customer that joins the company (from now till x) the rights of a distributor. This means once you have bought the privilege pack, you are automatically qualified to become a distributor. The company develops for you a personalized website, loads it with developmental materials to support your business, and helps you with support all the way!
The value of this support is invaluable! The company sets these up at
no extra costs to you, and makes you share profit with the company.

Profit sharing is an exciting thing that happens in many companies once in a year, but not with this company. This company offers you profit sharing opportunities weekly. Every Monday the company puts it's profits in 4 major pools, and defines minimum qualification for sharing in each of the pools.
For deeper insight, the company makes a profit of $160 per privilege pack sale. This is based on estimated volume of sales and operations as a lean organization without heavy staff costs or advertising costs.

This $160 is shared into 4 pools. . . $20 goes into a Fast start pool, $100 goes into a cylce or team referrals pool, $20 goes into a matching bonus pool and $20 goes into a leadership holiday incentive pool.
You qualify to share in the Fast start pool on the week you make your third referral.
You qualify to share in the Cycle pool, on the day 3 or multiples of 3 sales are made in your team. These team referrals can come from generations above you without limit, or generations below you without limit - This is where you can earn as much as $70,000/week from, it's the definition of leverage.
To share in the Matching bonus pool, you must qualify as a ranked leader. (Details of these are in the H&C brochure offline and online).
You also get to qualify 3 times in a year for an all expense leadership holiday incentive that is funded by money in the leadership incentive pool.
So you share profit weekly, almost without limit. For perspective, Adeolu Akinyemi states "I have not missed one week of profit sharing in the last 12 months. Sometimes it's small and sometimes it's Big, but it grows from month to month and in 12 months of being active it's been very exciting!"
Don't Waste time!
This opportunity is simple and exciting, only someone who is being followed from the village won't see this. If you don't have time, it means you need this to free up your time. If you have never been on vacation, this is your chance.

If you dedicate 1hr to this everyday, learning and following the training guide (the getting started guide), you will increase your current income by at least 50% in 6 months. If you want to go ahead and do this fulltime eventually, it's possible.
There is nothing that gives you the balance of being a blessing, empowering people, hearing thank you and still earning legitimate income like this one. The company is less than 2yrs globally, it has customers already in over 100 countries.

Professor Pat Utomi is the Country Chairman of the company, a lot of credible Nigerians are on board, your questions have been asked before and answered. The loser is the person who wastes time, because everything that could have been done by the person introducing you after you, would have counted for you. . . think. . .
This is like landed property. . . it's cheaper when it's a bush, costlier when it's cleared, dearer when there is survey, expensive when there is certificate of occupancy, the price goes into the roof with perimeter fencing, becomes almost uncreacheable with roads and drainage, unreconcilable when there is light and people start building. Don't be left behind in this train, we have just cleared the bush, there is a lot more development to come.
How do you join? Not so fast, make sure you progress knowledgeably, it would also help if you decide to be mentored and held accountable by a leader. There are books you need to read and DVDs you need to listen to. I can link you to them. Please feel free to contact me, my details are below.
Once you say you are ready to be a part of this, you can go to:
www.creatingwealth.co/lcp3/mlmguru
fill your details to be launched into my site. Then click "Start Now" to register your details once more, pay as soon as possible, and your story to the world of financial freedom begins.
Get a journal and a getting started guide and begin to chronicle your first systemic experience at building a world class business! You can literally have branches all over the world.


--------------------------------------------------------------------------------
EVARISTUS UDEMBAOZOH | mlmguru10@gmail.com | 2348072693213. Skype Udembaozoh.Uche

THE ACT OF MAKING FAST MONEY REDEFINED

THE ACT OF MAKING FAST MONEY REDEFINED

...Do you need to be hand-led to the secrets of MLM wealth code?
If your answer to the above question is YES, then you need to acquire the DNA for wealth creation...follow me
DNA for WEALTH CREATION
Define "what do you want and WHY?"
Why will you become involved with a business plan that will guarantee you SURE SUCCESS?
There must be something you want?
• Money, wealth, financial freedom. . . ?
• More time, freedom, more lifestyle choices. . . ?
• Travel more, new car, new house, a boat. . . ?
• Meet positive people, experience personal growth. . . ?

Maybe you are not sure what you want?
Think about what you would like to HAVE, DO and BECOME as a person in the next 12 months, the next 5 years, in your lifetime!
Then ask yourself, WHY do I want those things and HOW bad do I want it?
If the WHY is big enough then the HOW will show up!
Define what you want. Write it down, take pictures of it, get the senses involved.
For example if it is a new car, go and test drive the EXACT model you want, act like you are putting in the order and fully intend to collect the car in the near future.
Maybe a new Maserati. . . my personal favourite!
What color would it be? Would it have leather seats? Would you add mag wheels?
Smell the leather, feel the way it drives, and listen to the sound of the engine. Take photos of you with the car sitting in the car, driving it, enjoying it. Go to the website of the car manufacturer and download the screensavers, subscribe to their newsletters, go along to launches of the new models.
Now every day you can visualize yourself driving that car and reconnect with the experiences of your test drive.
Be very SPECIFIC and BELIEVE you deserve it.
To help you understand how to attract to you what you want from life there are some great DVDs and books. A very popular one is "The Secret".
Now you have defined what it is you want and WHY you will have the self motivation to commit the time to an action plan to make it a reality.
Dear Friend,
If you really want to break the MLMwealth code, then welcome on board to www.holidaysandcash.com/mlmguru
For more details SMS,
BWC*your name*mobile number*email*location To +07055333000
Example BWC*Tom*2348063768873*tom@gmail.com*Lagos

If you are on Skype.com, my username is uche.udembaozoh