terça-feira, 31 de julho de 2018
quarta-feira, 25 de julho de 2018
Disclaimer
This e-‐book has been written to provide information about Internet marketing. Every effort has been made to make this ebook as complete and accurate as possible. However, there may be mistakes in typography or content. Also, this e-‐book provides information only up to the publishing date. Therefore, this ebook should be used as a guide -‐ not as the ultimate source.
The purpose of this ebook is to educate. The author and the publisher does not warrant that the information contained in this e-‐ book is fully complete and shall not be responsible for any errors or omissions. The author and publisher shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused or alleged to be caused directly or indirectly by this e-‐ book.
More Time, More Money: 100 Ways to Gain More Time & Make More Money
Have you grown tired and fed up slaving for ten to twelve hours every single day, earning just a little over the minimum wage?
Like many, you may feel like your desk has become more of a prison cell that has kept you all locked away from the rest of civilization. And still, you find yourself living from paycheck to paycheck.
Time, they say, is money.
If that’s the case, this brings home the fact that some people are certainly making a whole lot more money in the same amount of time you are willing to put in, or even at a considerably far lesser time.
By now, you have probably deduced the fact that there has got to be a better way to play the money-‐making game.
Yes. In fact, there are a hundred different better ways to play the game.
It is possible to earn more by working less. You’ve seen other people do it. It’s time to write your own success story and make it happen in your life.
While increasing your productivity will give you twice as much return, discovering a far better way to play the game will possibly bring you twenty times or more return.
According to Robert Collier, “Success they say is the sum of small efforts, repeated day in and day out.”
Every single time you find a better way of doing something -‐-‐ whether it’s a faster route to earning that salary raise or a more efficient approach to going through your daily emails -‐-‐ you unlock a powerful solution to earning more simply because your time has become more valuable and now worth more money.
But the question is how do you exactly do that? How do you get to the point where you spend lesser amount of time working and yet earning better?
The “secrets” to earning more are actually all around you. You probably have next door neighbors who are raking in a fortune doing things you never have even thought of.
Time is money.
It’s about time you figure out how highly successful people spend their valuable time.
1 Learn the money-making potential of affiliate programs. This is one popular and very effective way to earn passive income, which is derived from setting up a website that pre-‐sells company products. In this setup, the company provides the products along with the programming code that tracks down sales, of which you will be given a commission for every successful sale. Find companies that are known to offer bigger commissions as well as track down clients who are highly likely to make multiple purchases over extended period of time, which will generate recurring commissions.
2 Create information products such as eBooks.
The web provides a great way to create and sell an eBook that explains “How To” information, such as How to Start Your Online Business, or any other topic designed to provide information on how to make life easier for people. There is a huge demand of information, which is something you can capitalize on. The great thing with eBook is it’s easier to create, which you can complete at a short amount time. Once done, you simply have to come up with a website, secure a web hosting service and set up your own online marketing in place. This will make it possible for your eBooks available for purchase 24 hours a day, for several years to come, with the possibility of earning income while you sleep.
3 Earn passive residual income through advertising commissions.
If you own a website or you are planning to own one, work on attracting visitors or generating web traffic by providing relevant, original and fresh
content to attract people to visit your sites. By allowing banner placements or links on your site at a certain fee, you can look forward to collecting passive residual income every month.
4 Become a reseller of web hosting services or domain registration.
Offer web hosting service wherein you simply pay a monthly fee and resell the service at a certain subscription charge to your customers. However, if you are planning to engage in this type of service, it is important to be thoroughly familiar and knowledgeable with the web hosting service in order to provide prompt and reliable support to your customers.
5 Master the art of salary negotiation.
During job interviews, instead of waiting for the salary conversation to be tackled, you can go right ahead and ask the interviewer/recruiter the expected salary of the position you are applying for. This way you don’t have to waste time going back and forth with negotiations since you already know the figures and can decide ahead of time if it’s something viable enough for you to pursue your application.
6 Keep your emails short and concise.
Instead of spending precious minutes composing long and winding emails, keep everything short and to the point. Firstly, your subject line should be informative so your recipients will know if it is something they need to prioritize. When conveying your message in a direct manner, make sure to avoid constructing sentences in passive voice.
7 Get business and sales leads efficiently by directly asking people if they have a problem you can help resolve.
For example, if you are offering web design services, instead of checking out if
there are people interested in having a new website, ask direct questions, such as “Who among you isn’t happy with their current website?” This effectively cuts down the chase and you get to save significant amount of time when it comes to getting responses.
8 When it comes to working with a team, most of the time 80% accurate is good enough.
As you know, time is money and most of the time large projects have time-‐ constraints. If you are working with a team, achieving 80% accuracy is almost always good enough. You can leave the remaining 20% for the practicing or testing phase, where you can work out the finer details. Keep in mind that getting the job done right and on time is more important that getting all the details right.
9 Talk to a human customer service representative.
When calling customer service, instead of talking to an automated machine, get faster and more efficient resolution and support by going straight to a real person. If you have an important or urgent complaint, try to check contacthelp.com or gethuman.com if there is a code for the specific company you need to call and bypass the automated systems.
10 Master the art of saying “No.”
Before making any commitments, evaluate your current workload and respect your limits. Learning to say no will not only free up your time but will also save you from a lot of stress. Successful people know what they want and have no trouble being decisive, putting their foot down on something and saying no.
11. Learn the art of delegation.
If you are the type of person used to doing everything on your own or you have difficulty of letting go, keep in mind that you do not have enough hours in the day to do and attend to everything. This is a very important value every managers and leaders should learn and accept. Reduce your workload and enhance efficiency by learning to delegate tasks.
12 Study to get training for a specialized skill.
These days, a highly desirable and specialized skill set can propel you from being just an ordinary employee to a more valuable one. Take time to determine what are the most valuable and in demand skills in your industry and check if it is something that you can learn to acquire during your spare time.
13 Earn a higher qualification or degree.
There are certain job sectors that require having a certain degree, specialized training or certificate in order to qualify you to a higher pay scale. While this route may be financially challenging and time consuming, it can increase your qualifications and make you eligible for promotions or higher designations, which can prove to be a good and rewarding investment in the long run. Whether it’s an MBA degree or a Six Sigma Black Belt, check out if spending on night classes and seminars can turn out to be feasible investments. There are
also companies that sponsor further education for qualified employees, so take time to discuss this with your company’s Human Resource Department.
14 Consider changing your work hours or telecommuting.
If your employer is unable or unwilling to give you a salary raise in compensation of the amount of work you do, try to negotiate adjusting your work hours or discuss telecommuting options. However, this may not work for a number of industries but if you can complete most of your work from home, then it’s definitely worth asking. You can also evaluate your work hours and check if working on another shift can help your productivity or open up more time to pursue other money-‐making opportunities.
15 Instead of working as a full-timer, consider becoming a consultant.
If you are constantly working above and beyond the regular 40-‐hour work
week, you may want to explore the idea of working as an hourly consultant, if it is more feasible financially. While this may not mean you work any less, this offers you more flexible work hours, thereby allowing you to take on additional clients and earn extra income instead of working full-‐time and not getting overtime pay.
16 Demand a salary raise if you are doing more or contributing significantly.
If you feel you deserve a raise for the amount of profit you are bringing in to your company or you are doing more work than you are originally hired to do, by all means ask for a raise based on your performance. You can time your
request for a raise after a performance review. If you prove to be a great asset to the company, the management won’t mind paying you more to retain your services.
17 Find an efficient way of doing repetitive tasks.
If your work or day to day tasks require you to attend to repetitive tasks on regular basis, instead of spending a significant amount of time completing them, try to figure out how you can automate or streamline the entire process. There are a lot of online applications and software products online designed to cut down the nitty-‐gritty stuff. Make use of free apps, which can significantly cut down the amount of time to complete a certain task. If you feel it’s time to purchase paid software, bring this up with the management and make sure to come armed with reasons to justify the expense. Overall, these software can help in significantly increasing productivity, accuracy and provide easy access to organized information.
18 Consider changing jobs or making a bold career move.
If you feel your career is facing a dead end and there is no opportunity to transition into a more rewarding and healthier work-‐life balance with your current job, consider exploring better opportunities. Find a new work environment where your experience and skills are greatly valued. The bottom line here is, if you are overworked and underpaid, it’s time you do something about it.
19 Consider taking on freelance writing jobs.
If you have a flair for writing or possess a solid grasp of good grammar, communication and spelling, you may want to seek opportunities for freelance
writing jobs. You can contribute articles to magazines, newspapers and other local periodicals to earn extra income. Gradually build your portfolio and work your way towards establishing credibility.
20 Teach a language.
Do you know and speak another language? Or maybe you have strong command of the English language to qualify you to teach it? This is an in demand skill that can open up great money making opportunities.
21 Perform Internet research jobs.
If you are confident that you know your way around the web, you can offer your skill as an online researcher to local businesses.
22 Become a “green” consultant.
People are keen on making lifestyle changes that can result to using less energy for their home. This is a huge industry that can help you rake in significant profit by evaluating homes and making recommendations on how to become “green”. Over time, you can also sell your services to companies.
23 Sell organic produce.
If you love gardening and know organic methods, consider selling organic produce. Depending on just how large your harvest is, you can offer “in season” organic vegetables as well as fresh herbs to restaurants. Chefs are always keeping an eye on suppliers that offer the best and the freshest.
24 Sell antiques and vintage pieces on eBay.
If you have good knowledge on antiques, spend your weekends scouting among thrift stores and garage sales as well as flea markets where you can
potentially score old, valuable treasures on the cheap. Conduct a bit of a research and auction it off on eBay.
25 Get paid to shop.
There are a number of companies that actually hire people to perform what is known as “mystery shopping” and report their experiences to companiesu. When engaging in this type of job, you need to make sure to be fair and you possess a good grasp and understanding of the industry.
26 Decorate cakes.
If you love to bake, earn money on the side making and decorating cakes. Show off your baking prowess and offer to bake pastries as well as other goodies to local office break rooms, small coffee shops, local deli, etc.
27 Make and sell jams and jellies.
If you know how to can and preserve jams and jellies the old fashion way, you can make a large batch and sell jams and jellies that are in season. You can either choose to sell it among friends and colleagues, to a local market or even over the Internet.
28 Make money out of your photos.
If you own a fancy camera and you have a flair for taking stunning photos, put it to good use by offering your services to special events such as weddings, parties and corporate functions. You can also post them to online sites and make money every time someone decides to download and use it.
29 Take time to sort out your savings.
To earn more money, you need to make sure all you savings are working hard to earn profit. If you have a lump sum of money that you are prepared to put away for about 12 months or longer then get a fixed-‐rate account.
30 Take in a lodger.
While most people spend a fortune to own a home, how about making your home earn and generate its own profit? If you have a spare room, consider renting it out and earn extra income on the side.
31 Rent out a car parking space.
If you are living close to the city center, or near a football stadium or train station, and you have a garage or parking space that you don’t exactly use, it’s a proverbial goldmine right under your nose. Rent your parking space to commuters or concert/game event fan and earn extra money on the side.
32 Sell on eBay.
You know what they say about one man’s rubbish can turn out to be another man’s treasure. If you have too many unused possessions that are taking up permanent residency in your basement and cramping your home, then consider auctioning pieces on eBay and earn money.
33 Answer paid surveys.
There are a number of online surveys available where you will be rewarded for your opinions, either through reward vouchers or cash.
34 Offer virtual assistance services.
With a growing number of web-‐based businesses today, virtual assistance services are now on very high demand. A lot of companies and people use the services of a virtual assistance to conduct researches, perform time-‐consuming jobs, find things and make phone calls, etc.
35 Make money by hosting an online forum.
Software such as SebFlipper has the ability to host a number of separate forums under a single server. You can make money by charging forum operators or owners for your hosting service. You can also offer this service for free and post your ads and banners on their forums to generate income.
36 Do podcasting.
This is similar to video or voice blogging where you can talk about some interesting topics and make money from the ads show. If you have a gift for gab, and you feel you can provide relevant information or interesting opinions, you can reach out to hundreds of subscribers through this platform.
37 Plan your day ahead and stick to it.
If you have try planning out your day and anticipate the possible roadblocks, you will find that you are better prepared to tackle challenges and deflect issues with more ease. This will help ensure you will have a more productive day.
38 Break down your large plans into more manageable milestones.
Try to achieve something worthwhile every day. If you plan out your goals and
set schedules and timelines, you have more motivation not to slack off or procrastinate.
39 Start your day by tackling first the more difficult and the time-consuming tasks.
This is the time where you still have full energy to go through everything
before gradually moving on to easier ones.
40 Learn to best deal with interruptions in a decisive and assertive manner.
Do not allow the trivial concerns of others distract you from your purpose. This
does not necessarily mean you need to be rude and offensive. Instead, learn to be firm and prioritize important things instead of constantly ending up accommodating other people’s concerns.
41 Stop procrastinating.
Train yourself to avoid wasting time worrying or dawdling, which only increases your unproductivity. Remember, time is money. If you are constantly paralyzed with worry, schedule your ‘worry time’ at the end of each day so you can stay focused to tackle outstanding work and more important concerns.
42 Manage your clutter.
Make sure everything is in its proper place, this will save you time from constantly searching for misplaced items. A tidy desk can significantly help enhance productivity.
43 Stick to your priorities.
Don’t get into the habit of cancelling or putting off things you can accomplish today. While one might say, you still have enough time tomorrow, it’s another day to face with a whole new set of challenges.
44 Learn to batch process.
Bunch all the small and menial tasks that are not important. Instead of going to and fro attending to small things all throughout the day, which only interrupt and distract you from more important tasks, bundle or batch them together and go through them one set at a time. You can create a list of the small task and with only an hour or so left in your work day, start processing these tasks as quickly as possible, and crossing each one off your list.
45 Brown bag it.
While making and bringing your own lunch to work is not exactly life-‐changing, it saves you the unnecessary expense, free up more of your time by working through lunch and gives you better control of what you eat.
46 Take on high profile projects.
If you are constantly working on the sidelines, doing less important things, your accomplishments will certainly not make you a star, nor will it take you far. Instead, try to volunteer for bigger projects, the very ones that will carve your
name and bring recognition to the company. If you have the expertise and confidence but there is a lack of worthwhile projects, consider coming up with your own. If you do well, these large and high-‐profile projects can make a huge impact on your career and life. These are the accomplishments that can enhance your portfolio.
47 Bank your salary raise.
If you were finally given a raise, don’t immediately go into thinking of ways how to spend your extra money. Avoid increasing your expenditures. Instead, consider putting the entire amount in the bank.
48 Carefully organize your files and desk.
While they say creative minds can make sense of their own chaos, it can also add to stress and hamper your productivity. Label your folders accordingly and throw out papers and documents that can be discarded.
49 Tidy your to-do list.
If your to-‐do list is about a mile long, go through each one and determine which ones are unnecessary. Develop the habit of eliminating unnecessary stuff and learn to simplify your life.
50 Get rid of distractions.
Eliminate all the unnecessary distractions such as IM and email alerts, Twitter and other social networking sites. In fact, if possible, you should consider turning off the Internet. You can also wear headphones so you will not be distracted with regular office noise.
51 Keep meetings to 30 minutes or less.
One of the most common and biggest time-‐wasters are meetings that could be easily accomplished with a phone call or an email. If possible, beg out of meetings, or if you call the shots, eliminate them if it’s not critically important.
52 Only try to check your email once or twice a day.
Avoid constantly going through your emails all throughout the day. Allocate a time to go through your mail at the start of your day and check back an hour before you leave. If you keep on sending unimportant emails, you are creating major distractions to recipients and affecting the productivity of everyone, including yourself.
53 When at home, turn off your television.
One of the most effective ways to save you both time and money is to watch less television. This gives you more time to take care of more important things or seek a more rewarding hobby instead of watching all those guilt-‐inducing ads.
54 Go over your personal collection and check out which ones you can get rid and sell.
Turn a critical eye and determine if there are duplicates or items that you are
willing to sell. While you are at it, how about considering cutting down the time you spend on your hobby and look for more profitable ventures? It would be great if you have a money-‐making hobby, or earn doing something you are passionate about. Who knows, this could open up a lot of great opportunities for you.
55 Practice the 30-day rule when contemplating on making a purchase.
If you are tempted to splurge or treat yourself with a latest gadget wait for 30
days and ask yourself if you really want the item. Often, the urge will pass away and you end up saving yourself a significant amount of money by waiting and not acting on impulse. It is important to train yourself to do away with the trivial and unnecessary purchases and save money on really sound investments.
56 Avoid spending too much on entertaining your children. Instead of caving in to the temptation of buying your child the latest video game or the coolest gadget to hit the market, focus on honing his creativity and appreciate simple and stimulating games. It is important for parents to realize that children do not need fancy gadgets to keep them happy, instead make great memories spending more time with them, making stuff and discovering new things. You will definitely find these alternatives cheaper and more rewarding.
57 Contact your credit card company then ask for a rate reduction.
Choose any of your cards that are carrying a balance and call up the company
number at the back part. Negotiate for an interest reduction or you will contemplate on taking your business elsewhere. If the person you talk to will not be able to accommodate your request, then ask for the supervisor. When you think about it, if you have $5, 000 worth of balance with a 3% reduction rate, you can potentially save $150 every year.
58 Clean out your closet.
Go through your wardrobe and focus on getting rid of some of the stuff. You can organize a yard sale or donate it to get a tax reduction. All the old stuff that are just sitting there can actually put more money into your pocket. Of course, it could also mean freeing up more closet space.
59 Choose term life insurance.
A lot of people believe that insurance is an investment. It is not. Switch to a term insurance instead then you can use the difference of the cost to settle some of your debts or start your savings. Whole and universal policies are significantly more expensive. You are definitely better off getting yourself out of debt instead of spending extra on sub-‐par investments.
60 When buying a car, go for fuel efficiency and reliability. Instead of going for what’s popular or flashier, choosing a more fuel efficient and reliable car will save you thousands of dollars in the long run. For example, when driving a vehicle for 80, 000 miles, choosing a 25-‐mile per gallon car over a 15-‐mile per gallon will translate to 2, 133 gallons of gas. So if a gallon costs $3, that’s an astonishing $ 6, 400 savings right there. In addition, reliability can also pay great dividends, so do your research. Your efforts will pay off for you, big time.
61 Avoid going to shopping centers and stores just for entertainment.
Indulging to the need to window shop will only encourage you to spend more
money on stuff that you don’t really need. Instead, seek other places to
entertain you, such as the museum, the park or a friend’s house. Don’t substitute shopping as a form of entertainment and you will be better off.
62 Plan to invest on a small business and use business model that has a lot of potential of making you rich.
If you have not figured it out, entrepreneurs go into business since they have
long realized working on a 9 to 5 job will not make them rich. However, going into business requires careful planning so make sure to cover all the bases. Start with a solid business model. If you can’t see yourself raking in thousands or millions of dollars with your business idea, you may want to explore more possibilities.
63 Carefully identify and isolate your core strengths then decide to build on them.
Find something you truly enjoy, this is a strength that you can potentially build
and invest on. If you go into a business, it is best to venture into something that will allow you to express your strengths then you can develop it more through repetition. A lot of people have successfully reaped great financial rewards following this route. Check out if you can cash in on yours.
64 Choose to operate in an industry with high demand and significant profit margin.
You make profit based on the difference on how much sales you make and the
amount of money you keep from every sale after deducting the cost of delivering the goods or service. If you enjoy greater margin, then you will need
a fewer amount of sales to earn a million. Before getting into any business, calculate first the possible margin of the products or service you choose to sell.
65 Opt to use cash.
Instead of constantly charging your purchases to your credit or debit cards, choose to pay in cash instead for all those non-‐bill spending such as gas, eating out and the groceries. Why? Paying in cash makes the experience of spending more real. There is also the fact that in choosing to spend cash, you have better control of your expenses instead of ending up spending more than you earn.
66 Make some minimal weekly savings transfers.
Try to deduct a few dollars off your disposable cash every week. You can start by transferring $20 or $40 per week and transfer it to your savings. It’s a relatively small amount that you maybe barely notice but end up saving a large sum of money over a period of time.
67 Choose to stay home instead of going out.
Going out will encourage you to spend unnecessarily since you will be tempted to eat at restaurants, stop at the gas station, go to the mall, etc. It is difficult, almost impossible to avoid spending when you are on the road so stay at home instead and seek other free entertainment. You can also use this free time to spend with your family.
68 Avoid getting catalogs or any other emailed announcements.
All these emails and newsletters are all designed by companies to sell you stuff.
When you frequently receive announcements of cool new products or
upcoming sales, it can be very tempting to make a purchase on luxury items or service. Choose to stop all those catalog and newsletter subscriptions so you don’t have to deal with trying to resist temptation.
69 Choose to cook at home instead of eating out.
This may be difficult to do especially if you are too tired to cook after a grueling day at work. Instead of expensive dinners or ordering deliveries and takeout fast food that are not exactly healthy, throw in a quick stir fry using fresh or frozen veggies. You can also research ahead of time some no-‐fuss and 10-‐ minute recipes, so cooking homemade and healthier dishes doesn’t have to be a real burden.
70 Use the envelope system when segregating your money. This is following the same concept of paying cash. Use envelopes in order to split your disposable cash into the different categories. If you empty one envelope, then that means you have completely spent your allotment.
71 Learn the spreadsheet tracker hack.
There are a lot of expensive programs out there like Quicken, MS Money, etc. that can help you better manage your finances. However, you don’t exactly need to invest in any of those fancy software, especially if you don’t have a real need for all the bells and whistles that only cost you more. Instead, you can use Google Docs and Spreadsheets, which you can use to keep track of your bank account. You can indicate dates for every transaction, including titles and amounts, along with a little field for notes or memos and your running balance.
72 Choose to pay debt and savings first.
Every time you sit down to go through all your bills, choose to pay or allocate money first for your savings then make your debt payments. If you constantly choose to allocate money for your savings for whatever is left, you will frequently end up shortchanging it. So choose to pay for your savings first. This will help you effectively cut back on your expenses.
73 Get rid of cable TV.
A lot of people spend too much time in front of the television, a pastime that is not exactly productive. Instead of spending on cable subscription, you can choose to download or rent DVDs online and only watch the movies worth watching and not spend time scanning useless shows you find on TV most of the time.
74 Choose to use online savings instead of traditional bank savings accounts.
There are a number of online banks that offer twice as much interest than the
normal banks. However, you will not get an ATM account or be provided with a convenient way to withdraw funds. This of course can work to your advantage since you can effectively curb the inclination to purchase things on impulse.
75 Choose to find happiness in life and not in spending.
A lot of people choose to buy stuff thinking subconsciously that it will help them find lasting happiness. These are the consumers who always feel the need to have the latest gadget, the fanciest car or the most popular pair of shoes. Truth is, when you buy stuff, you will be happy with your purchase for
about a day or two at most. After that, you will again feel the need to buy some more, which becomes a never-‐ending vicious cycle. Instead, choose to love and enjoy life. You can choose to find joy in nature and the people around you or perhaps in doing things that you really love. There are so many things in life that can provide you more happiness, all without the need to spend.
76 Turn your hobby into a profitable venture.
The thought of doing something you are extremely passionate about and making profit out of it is too good of an idea to pass up. If you love dabbling with web design, hone your craft and consider monetizing your creativity by taking on logo projects and web design projects on the side. If you love cycling, you can earn extra income by repairing and maintaining bikes. People who love to bake are making a small fortune selling their creations or some high-‐end cookware sets.
77 Learn to use your credit cards strategically.
Choose the right credit card to complement your spending habits so you can make the most of using credit cards. Choose cards that give reward points for purchasing things that you normally spend on. So before merely using a card because it’s available, make an effort to study what card to best use to purchase what.
78 Consider engaging in paid testing.
Become a paid tester. There are a lot of medical companies as well as cosmetic developers that pay testers to personally try their treatments and products. In order to become eligible, you will need to meet a certain set of requirements.
79 Make blood plasma donation.
Unknown to many, blood plasma is a relatively high in demand commodity. The great thing about making blood plasma donation is the fact that you can actually go in and donate twice in 7 days, just as long as you have at least 2 days in between. You can generally get about $20 to $35 for every pint.
80 Discover earning money through recycling.
Try to check out if there are any recycling facilities near your locality. There are many towns that have several scrap metal recycling facilities, which can pay you for every pound of metal you bring in. In addition, if you live in a state where you are required to pay a deposit for every glass bottle, choose to return them to get the deposit, instead of throwing them out. However, keep in mind that it is illegal to do this across the state lines.
81 Take on some odd jobs.
If have the knowledge and expertise to do repairs, cleanups or yard work, you can make sure quick cash offering your services for such jobs. In fact, if you own a truck, you can offer your services to haul away debris and earn serious money when done on a regular basis.
82 Get a promotion.
If you are not really comfortable of the idea of asking for a salary raise, the next best thing you can do is earning that raise by getting a job promotion. It’s a widely accepted fact that if you do more, you are expected to be paid more. So how about working towards advancing your career and earning that promotion? Of course, that would mean you need to perform well and take the necessary steps to highlight your achievements in a subtle way. However, you
need to check if there is really room for growth in your company. If a promotion and a salary raise seem out of reach, you may want to set your sights elsewhere.
83 Sell handmade products on Etsy.
If you have a skill of coming up with creative things, you can put up an online store at Etsy and sell your products. A lot of consumers nowadays prefer customized and unique products – from handmade wedding invites to decorative pieces, check out a lot of inspiring DIY ideas you can cash on at Pinterest.com.
84 Change your perception and attitude towards money.
As an employer, you are paid with money to render services. As an entrepreneur, you earn money by selling and delivering certain products and services. Money, contrary to how many people feel about it is not the root of all evils. However it is also not the panacea for all your pains along with the world’s problems and ills. Money is simply an instrument -‐-‐ a tool that allows you to achieve a certain standard of living that you choose to pursue.
85 Change how you think about yourself.
You cannot define your character based on running balance or how much money you earn every month. However, you need to have the mindset that whatever amount you earn, you are worth it. If you believe you are a $30, 000 per year employee, shooting for $100, 000 is definitely quite a mind leap. Be ready to make the necessary career and life choices to enhance your personal ability to earn more money. Instead of “settling” for a job that simply brings food to the table, if you are confident you are worth more, you need to make
the necessary steps to turn things around and take better control of your finances.
86 Choose to build your career based on income potential.
The basic truth is we all work for money. And as you already know, there are some jobs than pay more, all without the need to put in extra hours of backbreaking work. If your primary motivation is earning more money, then make sure to choose a career where you can earn more. Set your goals and take the necessary steps to move up the career ladder.
87 Take time to check your credit score.
A lot of people don’t know that one of the fastest ways to save a couple of thousand dollars is to check your credit score rating and fix error on your report. By taking time to improve your credit score, you can potentially save thousands on interest rates every year.
88 Make money by blogging.
If you have extra time on your hands, blogging is a great way to earn extra income. While this does not give you quick cash, with several months of solid and consistent effort, you can actually make a decent income. Get started by securing a nice domain name and get hosting service then set up your blog.
89 Write product reviews.
There are a number of online sites that pay you a small amount of cash by writing product reviews. If you write fast and knowledgeable, this may be a great side job for you.
90 Stage homes.
With the growing number of people selling houses and dealing with the all too real possibility of foreclosure, you can help people sell their homes by staging it for a quick sale. If you have a flair for design, then go ahead and offer your services.
91 Plan out your meals at least a week ahead and create your grocery list based on the menu plan.
This will not only save you time, stress and money, it also makes it supremely easier to stick to healthier diets instead of succumbing to fastfood and processed products.
92 Step away from your computer.
The online world has open up a virtual place teeming with distractions. In order to increase your productivity, try to do most of your work offline.
93 If you are fond of watching TV, invest in Tivo.
Consider using DVR or Tivo to effectively cut down one hour television show down to 40 minutes.
94 Choose to auto-pay your bills.
Through making use of an automated system, you will save time processing payments and going to payment centers. In addition, you also eliminate those late fees as well as increased interest rates for missed payments.
95 Learn important keyboard shortcuts.
Knowing shortcuts will save you a considerable amount of time, so try to learn shorter keyboard commands, such as Ctrl +S to save, etc. This is especially useful if your work requires you to work on a computer on a regular basis.
96 Choose to get up earlier.
Going about your chores while everyone else is asleep and the house is still quiet will cut down work in a fraction of the time you usually spend. This is a very practical solution if you have small children running around, which makes it almost impossible to conduct a decent cleanup.
97 Choose to shop online whenever it’s possible.
Instead of going through racks upon racks of clothing, shoes, or any other consumer items, by opting to shop online, you can cut down shopping time, gas expense, and curb impulse buying. This is especially helpful and a practical option during the holidays. If you don’t exactly relish the thought of joining the rest of a few hundred other shoppers, then do your shopping online.
98 Invest in speeding up your Internet by getting broadband connection.
If your work and productivity greatly relies on your access to the internet, then
it’s only feasible that you ensure you have a stable, reliable connection.
99 Work on improving your typing speed.
Whether it’s writing an email or an article or just about any other task that requires encoding, you can save a significant amount of time by increasing your typing speed.
100. Get Caller ID so you can avoid those unnecessary phone time.
Avoid calls that are not particularly important and prevent these from
distracting you from you work.
Conclusion
As you may have found out from the tips provided, earning more and becoming successful doesn’t have to be something exceptionally brilliant. You don’t need to the inventor to the next best thing set to topple Facebook. You also don’t have to be rocket scientist or a celebrity to build your own fortune.
Instead of focusing on large, ambitious goals, take time to go through the day to day activities you normally do and discover some innovative things to cut down time and save money. Again, success is the sum of all these small things.
Try to adapt practical habits and a minimalist lifestyle. You don’t need all those trappings to flaunt your success or make you feel good about yourself. Choose to edit, delete and simplify your life. Seek rewarding things and do away with activities that only cause you to waste time and money needlessly.
You will realize that by making small changes on how you do things as well as your perspective on life and material stuff, you can actually cut down on unnecessary expenses and free up more of your time.
The solution to earning more is actually learning to spend less and pursuing your strengths. Consciously choose not to overcomplicated things and avoid unnecessary distractions that sidetrack you from your goals.
Once you have managed all these, you will find the rewards are truly promising.
This e-‐book has been written to provide information about Internet marketing. Every effort has been made to make this ebook as complete and accurate as possible. However, there may be mistakes in typography or content. Also, this e-‐book provides information only up to the publishing date. Therefore, this ebook should be used as a guide -‐ not as the ultimate source.
The purpose of this ebook is to educate. The author and the publisher does not warrant that the information contained in this e-‐ book is fully complete and shall not be responsible for any errors or omissions. The author and publisher shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused or alleged to be caused directly or indirectly by this e-‐ book.
More Time, More Money: 100 Ways to Gain More Time & Make More Money
Have you grown tired and fed up slaving for ten to twelve hours every single day, earning just a little over the minimum wage?
Like many, you may feel like your desk has become more of a prison cell that has kept you all locked away from the rest of civilization. And still, you find yourself living from paycheck to paycheck.
Time, they say, is money.
If that’s the case, this brings home the fact that some people are certainly making a whole lot more money in the same amount of time you are willing to put in, or even at a considerably far lesser time.
By now, you have probably deduced the fact that there has got to be a better way to play the money-‐making game.
Yes. In fact, there are a hundred different better ways to play the game.
It is possible to earn more by working less. You’ve seen other people do it. It’s time to write your own success story and make it happen in your life.
While increasing your productivity will give you twice as much return, discovering a far better way to play the game will possibly bring you twenty times or more return.
According to Robert Collier, “Success they say is the sum of small efforts, repeated day in and day out.”
Every single time you find a better way of doing something -‐-‐ whether it’s a faster route to earning that salary raise or a more efficient approach to going through your daily emails -‐-‐ you unlock a powerful solution to earning more simply because your time has become more valuable and now worth more money.
But the question is how do you exactly do that? How do you get to the point where you spend lesser amount of time working and yet earning better?
The “secrets” to earning more are actually all around you. You probably have next door neighbors who are raking in a fortune doing things you never have even thought of.
Time is money.
It’s about time you figure out how highly successful people spend their valuable time.
1 Learn the money-making potential of affiliate programs. This is one popular and very effective way to earn passive income, which is derived from setting up a website that pre-‐sells company products. In this setup, the company provides the products along with the programming code that tracks down sales, of which you will be given a commission for every successful sale. Find companies that are known to offer bigger commissions as well as track down clients who are highly likely to make multiple purchases over extended period of time, which will generate recurring commissions.
2 Create information products such as eBooks.
The web provides a great way to create and sell an eBook that explains “How To” information, such as How to Start Your Online Business, or any other topic designed to provide information on how to make life easier for people. There is a huge demand of information, which is something you can capitalize on. The great thing with eBook is it’s easier to create, which you can complete at a short amount time. Once done, you simply have to come up with a website, secure a web hosting service and set up your own online marketing in place. This will make it possible for your eBooks available for purchase 24 hours a day, for several years to come, with the possibility of earning income while you sleep.
3 Earn passive residual income through advertising commissions.
If you own a website or you are planning to own one, work on attracting visitors or generating web traffic by providing relevant, original and fresh
content to attract people to visit your sites. By allowing banner placements or links on your site at a certain fee, you can look forward to collecting passive residual income every month.
4 Become a reseller of web hosting services or domain registration.
Offer web hosting service wherein you simply pay a monthly fee and resell the service at a certain subscription charge to your customers. However, if you are planning to engage in this type of service, it is important to be thoroughly familiar and knowledgeable with the web hosting service in order to provide prompt and reliable support to your customers.
5 Master the art of salary negotiation.
During job interviews, instead of waiting for the salary conversation to be tackled, you can go right ahead and ask the interviewer/recruiter the expected salary of the position you are applying for. This way you don’t have to waste time going back and forth with negotiations since you already know the figures and can decide ahead of time if it’s something viable enough for you to pursue your application.
6 Keep your emails short and concise.
Instead of spending precious minutes composing long and winding emails, keep everything short and to the point. Firstly, your subject line should be informative so your recipients will know if it is something they need to prioritize. When conveying your message in a direct manner, make sure to avoid constructing sentences in passive voice.
7 Get business and sales leads efficiently by directly asking people if they have a problem you can help resolve.
For example, if you are offering web design services, instead of checking out if
there are people interested in having a new website, ask direct questions, such as “Who among you isn’t happy with their current website?” This effectively cuts down the chase and you get to save significant amount of time when it comes to getting responses.
8 When it comes to working with a team, most of the time 80% accurate is good enough.
As you know, time is money and most of the time large projects have time-‐ constraints. If you are working with a team, achieving 80% accuracy is almost always good enough. You can leave the remaining 20% for the practicing or testing phase, where you can work out the finer details. Keep in mind that getting the job done right and on time is more important that getting all the details right.
9 Talk to a human customer service representative.
When calling customer service, instead of talking to an automated machine, get faster and more efficient resolution and support by going straight to a real person. If you have an important or urgent complaint, try to check contacthelp.com or gethuman.com if there is a code for the specific company you need to call and bypass the automated systems.
10 Master the art of saying “No.”
Before making any commitments, evaluate your current workload and respect your limits. Learning to say no will not only free up your time but will also save you from a lot of stress. Successful people know what they want and have no trouble being decisive, putting their foot down on something and saying no.
11. Learn the art of delegation.
If you are the type of person used to doing everything on your own or you have difficulty of letting go, keep in mind that you do not have enough hours in the day to do and attend to everything. This is a very important value every managers and leaders should learn and accept. Reduce your workload and enhance efficiency by learning to delegate tasks.
12 Study to get training for a specialized skill.
These days, a highly desirable and specialized skill set can propel you from being just an ordinary employee to a more valuable one. Take time to determine what are the most valuable and in demand skills in your industry and check if it is something that you can learn to acquire during your spare time.
13 Earn a higher qualification or degree.
There are certain job sectors that require having a certain degree, specialized training or certificate in order to qualify you to a higher pay scale. While this route may be financially challenging and time consuming, it can increase your qualifications and make you eligible for promotions or higher designations, which can prove to be a good and rewarding investment in the long run. Whether it’s an MBA degree or a Six Sigma Black Belt, check out if spending on night classes and seminars can turn out to be feasible investments. There are
also companies that sponsor further education for qualified employees, so take time to discuss this with your company’s Human Resource Department.
14 Consider changing your work hours or telecommuting.
If your employer is unable or unwilling to give you a salary raise in compensation of the amount of work you do, try to negotiate adjusting your work hours or discuss telecommuting options. However, this may not work for a number of industries but if you can complete most of your work from home, then it’s definitely worth asking. You can also evaluate your work hours and check if working on another shift can help your productivity or open up more time to pursue other money-‐making opportunities.
15 Instead of working as a full-timer, consider becoming a consultant.
If you are constantly working above and beyond the regular 40-‐hour work
week, you may want to explore the idea of working as an hourly consultant, if it is more feasible financially. While this may not mean you work any less, this offers you more flexible work hours, thereby allowing you to take on additional clients and earn extra income instead of working full-‐time and not getting overtime pay.
16 Demand a salary raise if you are doing more or contributing significantly.
If you feel you deserve a raise for the amount of profit you are bringing in to your company or you are doing more work than you are originally hired to do, by all means ask for a raise based on your performance. You can time your
request for a raise after a performance review. If you prove to be a great asset to the company, the management won’t mind paying you more to retain your services.
17 Find an efficient way of doing repetitive tasks.
If your work or day to day tasks require you to attend to repetitive tasks on regular basis, instead of spending a significant amount of time completing them, try to figure out how you can automate or streamline the entire process. There are a lot of online applications and software products online designed to cut down the nitty-‐gritty stuff. Make use of free apps, which can significantly cut down the amount of time to complete a certain task. If you feel it’s time to purchase paid software, bring this up with the management and make sure to come armed with reasons to justify the expense. Overall, these software can help in significantly increasing productivity, accuracy and provide easy access to organized information.
18 Consider changing jobs or making a bold career move.
If you feel your career is facing a dead end and there is no opportunity to transition into a more rewarding and healthier work-‐life balance with your current job, consider exploring better opportunities. Find a new work environment where your experience and skills are greatly valued. The bottom line here is, if you are overworked and underpaid, it’s time you do something about it.
19 Consider taking on freelance writing jobs.
If you have a flair for writing or possess a solid grasp of good grammar, communication and spelling, you may want to seek opportunities for freelance
writing jobs. You can contribute articles to magazines, newspapers and other local periodicals to earn extra income. Gradually build your portfolio and work your way towards establishing credibility.
20 Teach a language.
Do you know and speak another language? Or maybe you have strong command of the English language to qualify you to teach it? This is an in demand skill that can open up great money making opportunities.
21 Perform Internet research jobs.
If you are confident that you know your way around the web, you can offer your skill as an online researcher to local businesses.
22 Become a “green” consultant.
People are keen on making lifestyle changes that can result to using less energy for their home. This is a huge industry that can help you rake in significant profit by evaluating homes and making recommendations on how to become “green”. Over time, you can also sell your services to companies.
23 Sell organic produce.
If you love gardening and know organic methods, consider selling organic produce. Depending on just how large your harvest is, you can offer “in season” organic vegetables as well as fresh herbs to restaurants. Chefs are always keeping an eye on suppliers that offer the best and the freshest.
24 Sell antiques and vintage pieces on eBay.
If you have good knowledge on antiques, spend your weekends scouting among thrift stores and garage sales as well as flea markets where you can
potentially score old, valuable treasures on the cheap. Conduct a bit of a research and auction it off on eBay.
25 Get paid to shop.
There are a number of companies that actually hire people to perform what is known as “mystery shopping” and report their experiences to companiesu. When engaging in this type of job, you need to make sure to be fair and you possess a good grasp and understanding of the industry.
26 Decorate cakes.
If you love to bake, earn money on the side making and decorating cakes. Show off your baking prowess and offer to bake pastries as well as other goodies to local office break rooms, small coffee shops, local deli, etc.
27 Make and sell jams and jellies.
If you know how to can and preserve jams and jellies the old fashion way, you can make a large batch and sell jams and jellies that are in season. You can either choose to sell it among friends and colleagues, to a local market or even over the Internet.
28 Make money out of your photos.
If you own a fancy camera and you have a flair for taking stunning photos, put it to good use by offering your services to special events such as weddings, parties and corporate functions. You can also post them to online sites and make money every time someone decides to download and use it.
29 Take time to sort out your savings.
To earn more money, you need to make sure all you savings are working hard to earn profit. If you have a lump sum of money that you are prepared to put away for about 12 months or longer then get a fixed-‐rate account.
30 Take in a lodger.
While most people spend a fortune to own a home, how about making your home earn and generate its own profit? If you have a spare room, consider renting it out and earn extra income on the side.
31 Rent out a car parking space.
If you are living close to the city center, or near a football stadium or train station, and you have a garage or parking space that you don’t exactly use, it’s a proverbial goldmine right under your nose. Rent your parking space to commuters or concert/game event fan and earn extra money on the side.
32 Sell on eBay.
You know what they say about one man’s rubbish can turn out to be another man’s treasure. If you have too many unused possessions that are taking up permanent residency in your basement and cramping your home, then consider auctioning pieces on eBay and earn money.
33 Answer paid surveys.
There are a number of online surveys available where you will be rewarded for your opinions, either through reward vouchers or cash.
34 Offer virtual assistance services.
With a growing number of web-‐based businesses today, virtual assistance services are now on very high demand. A lot of companies and people use the services of a virtual assistance to conduct researches, perform time-‐consuming jobs, find things and make phone calls, etc.
35 Make money by hosting an online forum.
Software such as SebFlipper has the ability to host a number of separate forums under a single server. You can make money by charging forum operators or owners for your hosting service. You can also offer this service for free and post your ads and banners on their forums to generate income.
36 Do podcasting.
This is similar to video or voice blogging where you can talk about some interesting topics and make money from the ads show. If you have a gift for gab, and you feel you can provide relevant information or interesting opinions, you can reach out to hundreds of subscribers through this platform.
37 Plan your day ahead and stick to it.
If you have try planning out your day and anticipate the possible roadblocks, you will find that you are better prepared to tackle challenges and deflect issues with more ease. This will help ensure you will have a more productive day.
38 Break down your large plans into more manageable milestones.
Try to achieve something worthwhile every day. If you plan out your goals and
set schedules and timelines, you have more motivation not to slack off or procrastinate.
39 Start your day by tackling first the more difficult and the time-consuming tasks.
This is the time where you still have full energy to go through everything
before gradually moving on to easier ones.
40 Learn to best deal with interruptions in a decisive and assertive manner.
Do not allow the trivial concerns of others distract you from your purpose. This
does not necessarily mean you need to be rude and offensive. Instead, learn to be firm and prioritize important things instead of constantly ending up accommodating other people’s concerns.
41 Stop procrastinating.
Train yourself to avoid wasting time worrying or dawdling, which only increases your unproductivity. Remember, time is money. If you are constantly paralyzed with worry, schedule your ‘worry time’ at the end of each day so you can stay focused to tackle outstanding work and more important concerns.
42 Manage your clutter.
Make sure everything is in its proper place, this will save you time from constantly searching for misplaced items. A tidy desk can significantly help enhance productivity.
43 Stick to your priorities.
Don’t get into the habit of cancelling or putting off things you can accomplish today. While one might say, you still have enough time tomorrow, it’s another day to face with a whole new set of challenges.
44 Learn to batch process.
Bunch all the small and menial tasks that are not important. Instead of going to and fro attending to small things all throughout the day, which only interrupt and distract you from more important tasks, bundle or batch them together and go through them one set at a time. You can create a list of the small task and with only an hour or so left in your work day, start processing these tasks as quickly as possible, and crossing each one off your list.
45 Brown bag it.
While making and bringing your own lunch to work is not exactly life-‐changing, it saves you the unnecessary expense, free up more of your time by working through lunch and gives you better control of what you eat.
46 Take on high profile projects.
If you are constantly working on the sidelines, doing less important things, your accomplishments will certainly not make you a star, nor will it take you far. Instead, try to volunteer for bigger projects, the very ones that will carve your
name and bring recognition to the company. If you have the expertise and confidence but there is a lack of worthwhile projects, consider coming up with your own. If you do well, these large and high-‐profile projects can make a huge impact on your career and life. These are the accomplishments that can enhance your portfolio.
47 Bank your salary raise.
If you were finally given a raise, don’t immediately go into thinking of ways how to spend your extra money. Avoid increasing your expenditures. Instead, consider putting the entire amount in the bank.
48 Carefully organize your files and desk.
While they say creative minds can make sense of their own chaos, it can also add to stress and hamper your productivity. Label your folders accordingly and throw out papers and documents that can be discarded.
49 Tidy your to-do list.
If your to-‐do list is about a mile long, go through each one and determine which ones are unnecessary. Develop the habit of eliminating unnecessary stuff and learn to simplify your life.
50 Get rid of distractions.
Eliminate all the unnecessary distractions such as IM and email alerts, Twitter and other social networking sites. In fact, if possible, you should consider turning off the Internet. You can also wear headphones so you will not be distracted with regular office noise.
51 Keep meetings to 30 minutes or less.
One of the most common and biggest time-‐wasters are meetings that could be easily accomplished with a phone call or an email. If possible, beg out of meetings, or if you call the shots, eliminate them if it’s not critically important.
52 Only try to check your email once or twice a day.
Avoid constantly going through your emails all throughout the day. Allocate a time to go through your mail at the start of your day and check back an hour before you leave. If you keep on sending unimportant emails, you are creating major distractions to recipients and affecting the productivity of everyone, including yourself.
53 When at home, turn off your television.
One of the most effective ways to save you both time and money is to watch less television. This gives you more time to take care of more important things or seek a more rewarding hobby instead of watching all those guilt-‐inducing ads.
54 Go over your personal collection and check out which ones you can get rid and sell.
Turn a critical eye and determine if there are duplicates or items that you are
willing to sell. While you are at it, how about considering cutting down the time you spend on your hobby and look for more profitable ventures? It would be great if you have a money-‐making hobby, or earn doing something you are passionate about. Who knows, this could open up a lot of great opportunities for you.
55 Practice the 30-day rule when contemplating on making a purchase.
If you are tempted to splurge or treat yourself with a latest gadget wait for 30
days and ask yourself if you really want the item. Often, the urge will pass away and you end up saving yourself a significant amount of money by waiting and not acting on impulse. It is important to train yourself to do away with the trivial and unnecessary purchases and save money on really sound investments.
56 Avoid spending too much on entertaining your children. Instead of caving in to the temptation of buying your child the latest video game or the coolest gadget to hit the market, focus on honing his creativity and appreciate simple and stimulating games. It is important for parents to realize that children do not need fancy gadgets to keep them happy, instead make great memories spending more time with them, making stuff and discovering new things. You will definitely find these alternatives cheaper and more rewarding.
57 Contact your credit card company then ask for a rate reduction.
Choose any of your cards that are carrying a balance and call up the company
number at the back part. Negotiate for an interest reduction or you will contemplate on taking your business elsewhere. If the person you talk to will not be able to accommodate your request, then ask for the supervisor. When you think about it, if you have $5, 000 worth of balance with a 3% reduction rate, you can potentially save $150 every year.
58 Clean out your closet.
Go through your wardrobe and focus on getting rid of some of the stuff. You can organize a yard sale or donate it to get a tax reduction. All the old stuff that are just sitting there can actually put more money into your pocket. Of course, it could also mean freeing up more closet space.
59 Choose term life insurance.
A lot of people believe that insurance is an investment. It is not. Switch to a term insurance instead then you can use the difference of the cost to settle some of your debts or start your savings. Whole and universal policies are significantly more expensive. You are definitely better off getting yourself out of debt instead of spending extra on sub-‐par investments.
60 When buying a car, go for fuel efficiency and reliability. Instead of going for what’s popular or flashier, choosing a more fuel efficient and reliable car will save you thousands of dollars in the long run. For example, when driving a vehicle for 80, 000 miles, choosing a 25-‐mile per gallon car over a 15-‐mile per gallon will translate to 2, 133 gallons of gas. So if a gallon costs $3, that’s an astonishing $ 6, 400 savings right there. In addition, reliability can also pay great dividends, so do your research. Your efforts will pay off for you, big time.
61 Avoid going to shopping centers and stores just for entertainment.
Indulging to the need to window shop will only encourage you to spend more
money on stuff that you don’t really need. Instead, seek other places to
entertain you, such as the museum, the park or a friend’s house. Don’t substitute shopping as a form of entertainment and you will be better off.
62 Plan to invest on a small business and use business model that has a lot of potential of making you rich.
If you have not figured it out, entrepreneurs go into business since they have
long realized working on a 9 to 5 job will not make them rich. However, going into business requires careful planning so make sure to cover all the bases. Start with a solid business model. If you can’t see yourself raking in thousands or millions of dollars with your business idea, you may want to explore more possibilities.
63 Carefully identify and isolate your core strengths then decide to build on them.
Find something you truly enjoy, this is a strength that you can potentially build
and invest on. If you go into a business, it is best to venture into something that will allow you to express your strengths then you can develop it more through repetition. A lot of people have successfully reaped great financial rewards following this route. Check out if you can cash in on yours.
64 Choose to operate in an industry with high demand and significant profit margin.
You make profit based on the difference on how much sales you make and the
amount of money you keep from every sale after deducting the cost of delivering the goods or service. If you enjoy greater margin, then you will need
a fewer amount of sales to earn a million. Before getting into any business, calculate first the possible margin of the products or service you choose to sell.
65 Opt to use cash.
Instead of constantly charging your purchases to your credit or debit cards, choose to pay in cash instead for all those non-‐bill spending such as gas, eating out and the groceries. Why? Paying in cash makes the experience of spending more real. There is also the fact that in choosing to spend cash, you have better control of your expenses instead of ending up spending more than you earn.
66 Make some minimal weekly savings transfers.
Try to deduct a few dollars off your disposable cash every week. You can start by transferring $20 or $40 per week and transfer it to your savings. It’s a relatively small amount that you maybe barely notice but end up saving a large sum of money over a period of time.
67 Choose to stay home instead of going out.
Going out will encourage you to spend unnecessarily since you will be tempted to eat at restaurants, stop at the gas station, go to the mall, etc. It is difficult, almost impossible to avoid spending when you are on the road so stay at home instead and seek other free entertainment. You can also use this free time to spend with your family.
68 Avoid getting catalogs or any other emailed announcements.
All these emails and newsletters are all designed by companies to sell you stuff.
When you frequently receive announcements of cool new products or
upcoming sales, it can be very tempting to make a purchase on luxury items or service. Choose to stop all those catalog and newsletter subscriptions so you don’t have to deal with trying to resist temptation.
69 Choose to cook at home instead of eating out.
This may be difficult to do especially if you are too tired to cook after a grueling day at work. Instead of expensive dinners or ordering deliveries and takeout fast food that are not exactly healthy, throw in a quick stir fry using fresh or frozen veggies. You can also research ahead of time some no-‐fuss and 10-‐ minute recipes, so cooking homemade and healthier dishes doesn’t have to be a real burden.
70 Use the envelope system when segregating your money. This is following the same concept of paying cash. Use envelopes in order to split your disposable cash into the different categories. If you empty one envelope, then that means you have completely spent your allotment.
71 Learn the spreadsheet tracker hack.
There are a lot of expensive programs out there like Quicken, MS Money, etc. that can help you better manage your finances. However, you don’t exactly need to invest in any of those fancy software, especially if you don’t have a real need for all the bells and whistles that only cost you more. Instead, you can use Google Docs and Spreadsheets, which you can use to keep track of your bank account. You can indicate dates for every transaction, including titles and amounts, along with a little field for notes or memos and your running balance.
72 Choose to pay debt and savings first.
Every time you sit down to go through all your bills, choose to pay or allocate money first for your savings then make your debt payments. If you constantly choose to allocate money for your savings for whatever is left, you will frequently end up shortchanging it. So choose to pay for your savings first. This will help you effectively cut back on your expenses.
73 Get rid of cable TV.
A lot of people spend too much time in front of the television, a pastime that is not exactly productive. Instead of spending on cable subscription, you can choose to download or rent DVDs online and only watch the movies worth watching and not spend time scanning useless shows you find on TV most of the time.
74 Choose to use online savings instead of traditional bank savings accounts.
There are a number of online banks that offer twice as much interest than the
normal banks. However, you will not get an ATM account or be provided with a convenient way to withdraw funds. This of course can work to your advantage since you can effectively curb the inclination to purchase things on impulse.
75 Choose to find happiness in life and not in spending.
A lot of people choose to buy stuff thinking subconsciously that it will help them find lasting happiness. These are the consumers who always feel the need to have the latest gadget, the fanciest car or the most popular pair of shoes. Truth is, when you buy stuff, you will be happy with your purchase for
about a day or two at most. After that, you will again feel the need to buy some more, which becomes a never-‐ending vicious cycle. Instead, choose to love and enjoy life. You can choose to find joy in nature and the people around you or perhaps in doing things that you really love. There are so many things in life that can provide you more happiness, all without the need to spend.
76 Turn your hobby into a profitable venture.
The thought of doing something you are extremely passionate about and making profit out of it is too good of an idea to pass up. If you love dabbling with web design, hone your craft and consider monetizing your creativity by taking on logo projects and web design projects on the side. If you love cycling, you can earn extra income by repairing and maintaining bikes. People who love to bake are making a small fortune selling their creations or some high-‐end cookware sets.
77 Learn to use your credit cards strategically.
Choose the right credit card to complement your spending habits so you can make the most of using credit cards. Choose cards that give reward points for purchasing things that you normally spend on. So before merely using a card because it’s available, make an effort to study what card to best use to purchase what.
78 Consider engaging in paid testing.
Become a paid tester. There are a lot of medical companies as well as cosmetic developers that pay testers to personally try their treatments and products. In order to become eligible, you will need to meet a certain set of requirements.
79 Make blood plasma donation.
Unknown to many, blood plasma is a relatively high in demand commodity. The great thing about making blood plasma donation is the fact that you can actually go in and donate twice in 7 days, just as long as you have at least 2 days in between. You can generally get about $20 to $35 for every pint.
80 Discover earning money through recycling.
Try to check out if there are any recycling facilities near your locality. There are many towns that have several scrap metal recycling facilities, which can pay you for every pound of metal you bring in. In addition, if you live in a state where you are required to pay a deposit for every glass bottle, choose to return them to get the deposit, instead of throwing them out. However, keep in mind that it is illegal to do this across the state lines.
81 Take on some odd jobs.
If have the knowledge and expertise to do repairs, cleanups or yard work, you can make sure quick cash offering your services for such jobs. In fact, if you own a truck, you can offer your services to haul away debris and earn serious money when done on a regular basis.
82 Get a promotion.
If you are not really comfortable of the idea of asking for a salary raise, the next best thing you can do is earning that raise by getting a job promotion. It’s a widely accepted fact that if you do more, you are expected to be paid more. So how about working towards advancing your career and earning that promotion? Of course, that would mean you need to perform well and take the necessary steps to highlight your achievements in a subtle way. However, you
need to check if there is really room for growth in your company. If a promotion and a salary raise seem out of reach, you may want to set your sights elsewhere.
83 Sell handmade products on Etsy.
If you have a skill of coming up with creative things, you can put up an online store at Etsy and sell your products. A lot of consumers nowadays prefer customized and unique products – from handmade wedding invites to decorative pieces, check out a lot of inspiring DIY ideas you can cash on at Pinterest.com.
84 Change your perception and attitude towards money.
As an employer, you are paid with money to render services. As an entrepreneur, you earn money by selling and delivering certain products and services. Money, contrary to how many people feel about it is not the root of all evils. However it is also not the panacea for all your pains along with the world’s problems and ills. Money is simply an instrument -‐-‐ a tool that allows you to achieve a certain standard of living that you choose to pursue.
85 Change how you think about yourself.
You cannot define your character based on running balance or how much money you earn every month. However, you need to have the mindset that whatever amount you earn, you are worth it. If you believe you are a $30, 000 per year employee, shooting for $100, 000 is definitely quite a mind leap. Be ready to make the necessary career and life choices to enhance your personal ability to earn more money. Instead of “settling” for a job that simply brings food to the table, if you are confident you are worth more, you need to make
the necessary steps to turn things around and take better control of your finances.
86 Choose to build your career based on income potential.
The basic truth is we all work for money. And as you already know, there are some jobs than pay more, all without the need to put in extra hours of backbreaking work. If your primary motivation is earning more money, then make sure to choose a career where you can earn more. Set your goals and take the necessary steps to move up the career ladder.
87 Take time to check your credit score.
A lot of people don’t know that one of the fastest ways to save a couple of thousand dollars is to check your credit score rating and fix error on your report. By taking time to improve your credit score, you can potentially save thousands on interest rates every year.
88 Make money by blogging.
If you have extra time on your hands, blogging is a great way to earn extra income. While this does not give you quick cash, with several months of solid and consistent effort, you can actually make a decent income. Get started by securing a nice domain name and get hosting service then set up your blog.
89 Write product reviews.
There are a number of online sites that pay you a small amount of cash by writing product reviews. If you write fast and knowledgeable, this may be a great side job for you.
90 Stage homes.
With the growing number of people selling houses and dealing with the all too real possibility of foreclosure, you can help people sell their homes by staging it for a quick sale. If you have a flair for design, then go ahead and offer your services.
91 Plan out your meals at least a week ahead and create your grocery list based on the menu plan.
This will not only save you time, stress and money, it also makes it supremely easier to stick to healthier diets instead of succumbing to fastfood and processed products.
92 Step away from your computer.
The online world has open up a virtual place teeming with distractions. In order to increase your productivity, try to do most of your work offline.
93 If you are fond of watching TV, invest in Tivo.
Consider using DVR or Tivo to effectively cut down one hour television show down to 40 minutes.
94 Choose to auto-pay your bills.
Through making use of an automated system, you will save time processing payments and going to payment centers. In addition, you also eliminate those late fees as well as increased interest rates for missed payments.
95 Learn important keyboard shortcuts.
Knowing shortcuts will save you a considerable amount of time, so try to learn shorter keyboard commands, such as Ctrl +S to save, etc. This is especially useful if your work requires you to work on a computer on a regular basis.
96 Choose to get up earlier.
Going about your chores while everyone else is asleep and the house is still quiet will cut down work in a fraction of the time you usually spend. This is a very practical solution if you have small children running around, which makes it almost impossible to conduct a decent cleanup.
97 Choose to shop online whenever it’s possible.
Instead of going through racks upon racks of clothing, shoes, or any other consumer items, by opting to shop online, you can cut down shopping time, gas expense, and curb impulse buying. This is especially helpful and a practical option during the holidays. If you don’t exactly relish the thought of joining the rest of a few hundred other shoppers, then do your shopping online.
98 Invest in speeding up your Internet by getting broadband connection.
If your work and productivity greatly relies on your access to the internet, then
it’s only feasible that you ensure you have a stable, reliable connection.
99 Work on improving your typing speed.
Whether it’s writing an email or an article or just about any other task that requires encoding, you can save a significant amount of time by increasing your typing speed.
100. Get Caller ID so you can avoid those unnecessary phone time.
Avoid calls that are not particularly important and prevent these from
distracting you from you work.
Conclusion
As you may have found out from the tips provided, earning more and becoming successful doesn’t have to be something exceptionally brilliant. You don’t need to the inventor to the next best thing set to topple Facebook. You also don’t have to be rocket scientist or a celebrity to build your own fortune.
Instead of focusing on large, ambitious goals, take time to go through the day to day activities you normally do and discover some innovative things to cut down time and save money. Again, success is the sum of all these small things.
Try to adapt practical habits and a minimalist lifestyle. You don’t need all those trappings to flaunt your success or make you feel good about yourself. Choose to edit, delete and simplify your life. Seek rewarding things and do away with activities that only cause you to waste time and money needlessly.
You will realize that by making small changes on how you do things as well as your perspective on life and material stuff, you can actually cut down on unnecessary expenses and free up more of your time.
The solution to earning more is actually learning to spend less and pursuing your strengths. Consciously choose not to overcomplicated things and avoid unnecessary distractions that sidetrack you from your goals.
Once you have managed all these, you will find the rewards are truly promising.
terça-feira, 24 de julho de 2018
• ―What's the point of purchasing a car which is more expensive then some homes?‖
• ―This individual who drives this car is such a exhibitionist.‖
• ―In all likelihood he thinks that everybody will be looking at his car, so I'll disregard it.‖
• ―That individual could donate money to those that truly need it instead of buying cars like that.‖
• ―That's a groovy car but I'll never be able to afford it.‖
• ―It's out of my range.‖
• ―I'd have to work all my life to afford such car.‖
• ―Only exceedingly rich individuals can purchase such cars and I'll never be among them.‖
•
If you don't bear limiting beliefs about money, you'll have thoughts similar to:
• ―What a beautiful car! I'm sure that in the future I'll be able to afford it.‖
• ―This is among my favorite cars!‖
• ―It's so great that individuals can afford such cars!‖
• ―I'm certain that the owner of this car has accomplished so much, it's so great to come close to such individuals and learn from them.‖
• ―I trust that this person has everything that he wants.‖
• ―I'm sure that I'll have this car in my life because I'm completely allowing it to come into my world.‖
• And if you're very in tune with the source, you may also think like:
• ―I can well afford this car.‖ (Doesn't mean that you are able to but if you keep affirming this you will in the future.)
• ―I can feel that this car is coming into my life. ―
• ―Money comes so easily into my lifetime that this car would be an casual manifestation only when I specified it.‖
Try to envision such situations and when this occurs in your real world, try to become cognizant of the immediate views that you have when such situation happens, and this will give you a capital understanding about what sort of beliefs about money you hold.
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Intro
Table Of Contents
Chapter 1:
Discover Your
Life Purpose
Chapter 2:
Get Rid of
Negative Influences
Chapter 3:
Remove Your Mind
Boundaries
Chapter 4:
Celebrate Small
Accomplishments
Chapter 5:
Question Your
Beliefs
Chapter 6:
Money Mightiness
That Comes Through Trust, Disengagement and New Focus
Chapter 7:
Why the Not So
Dear Pull in Wealth and Solace
Chapter 8:
Circulation And
Money
Chapter 9:
Cosmic Method of
Accounting
Chapter 10 :
Giving To
Yourself and Others
Intro
"I
can't be wealthy", "I can't have a lot", "Money is the root
of evil", "I can't attain more money", "I can't win",
"Life isn't fair" ...etc
How frequently do you echo such phrases?
Your
success is determined by your beliefs. The limits that you set in your head
determine the level of success you reach. Your notions determine the quality of
your life.
If you
could not imagine that it's possible to earn 10 times your current income, then
you've set a financial limit in your head.
If you
could not imagine that you are able to acquire a promotion, then you've set a
career limit in your head.
And
the loop goes on. Overtime you've embedded a complete set of confining beliefs
and limits in your head. These boundaries and limits prohibit you from living
the life of your aspirations and decrease your chances to succeed.
In this
book I'm going to share with you a few valuable tips that can help you defeat
your constrictive beliefs and set up new limits for success.
Chapter 1:
Discover Your Life Purpose
Synopsis
If you
don’t know where you should be going in life… you won’t know how to get there.
Understanding
Your Reality Is Crucial
When
individuals try to sit down and write up a purpose or mission statement, they
commonly lack sufficient clarity to do so intelligently. How exactly are you
supposed to specify your purpose? Are you merely supposed to know it and force
it out of your brain? What if you are able to imagine many different missions
that might fit you, but you've no idea which is better? What if you can‘t dream
up anything at all that appears meaningful to you? What then?
Simply
because you may not have a pre-encoded purpose doesn‘t mean you don‘t have a
purpose however. It merely means that it will take more work to specify your
purpose. Your purpose isn‘t truly something you discover. It would be more
exact to say that your purpose is something you co-create founded on your
relationship to reality. I wouldn‘t precisely call it a free choice though.
There might be multiple choices for you, but all options are not evenly valid.
What is required is an intelligent method for
formulating your purpose, a process that adds up, such that when you arrive at
your concluding answer, you have high
faith that it‘s right.
The
1st process is to confer with your emotional intelligence. Passion and purpose
go hand in hand. Once you expose your purpose, you'll commonly find it‘s
something you‘re enormously passionate about. Emotionally you'll
find that it's correct.
Here’s what to do:
1. Get
a blank piece of paper or open a word processor where you are able to type.
2. Write at the top, ―What is my honest purpose in life?‖
3. Compose
an answer (any answer) that crops up in your head. It doesn‘t have to be a
perfect sentence. A short phrase is all right.
4. Duplicate
step three until you author the answer that makes you cry. This is your
purpose.
That
is it. It doesn‘t matter if you‘re a advocate or an engineer or a muscleman. To
a few individuals this drill will make utter sense. To other people it will
appear perfectly stupid. Generally it takes 15-20 minutes to clear your brain
of all the clutter and the social training about what you think your purpose in
life is. The
fake
answers will come from your mind and your memories. But when the true result
finally arrives, it will feel like it‘s coming to you from another source
altogether.
The
2nd method is to apply your reason and logic to work down from your context.
The cleaner and more exact your context is, the easier this will be.
To
discover your purpose, you essentially project your total context of reality
onto yourself. Given your current comprehension of reality, where do you fit
in?
This
is such a easy approach that it‘s simple to miss. All you‘re truly doing is
viewing your overall context of life and casting those same qualities onto
yourself. This projection becomes your purpose, your role in truth.
Think
of a hologram. When you lop off a piece of a hologram, the total original image
is still held within the smaller piece. Reality is the large hologram, and
you‘re a piece of it. You come into all the attributes of reality. Your notions
about reality become your beliefs about yourself. If your notions are precise,
you‘ll wind up with a sensible, accomplishable purpose.
This
technique will also help you discover problems in your context as you‘ll
discover that something is wrong when you project a false belief onto yourself.
I
believe it‘s helpful to apply both techniques for defining your purpose to see
where they direct you. If your context is healthy, you should get congruent
results from both plans of attack. Your emotional and rational intelligences
will each word your purpose differently, but you should see that it‘s basically
the same.
Chapter 2:
Get Rid of Negative Influences
Synopsis
Negativity breeds negativity… get rid of it.
Find
the Positive For A Better You
Have you ever questioned why so many individuals have such trouble
getting the things they really desire?
Well,
the blame doesn‘t belong with your parents or your spouse or your neighbors or
the economic system or the president or anybody or anything outside of you!
Have you ever
imagined there should be an easier way?
I've found ―what you believe is what you get".
A simple, but reliable statement.
This is true of every facet in your life including income, relationships, wellness, weight-loss, and so forth.
A
few individuals run through life suffering, not acknowledging that by altering
how they think and what they think about can alter the physical conditions in
their world.
Individuals
perpetually listen to other people‘s feelings and not to their inner self and
then wind up not moving on their true path. If you listen to people‘s damaging
spewings enough, your inner mind will assume the habit of trusting what these
negative individuals tout! This is mental self-sabotage!
Alter
your life beginning now! Show your inner mind precisely what you truly want to
accomplish. Center on what you want by tapping into the positive and rid
yourself of the negative.
Evidence the
best in life for yourself and those you love.
Try out this technique:
1. Direct
your thoughts around to thinking of a particular circumstance in your world that you would like to alter
right now.
2. Following
that, center on the way you'd like it to appear. Produce the particulars in
your mind and make the details as graphic as you are able to. Make it true for you!
3. Next,
in calm instants and as often as you are able to, center on that change. Your inner mind will
start to develop the habit of ―visualizing" what you truly
desire.
4. Note
the physical changes in your world produced when your positive energies
Begin
to manifest positive alterations. You'll notice individuals, ideas, income,
etc. just showing up to help you as though by magic. These are the positive
changes showing what they can do.
It's as easy as that! Keep tabs on the ever-changing aspects of your
life after you begin to manifest these positive energies.
If
you are able to, remove the negative individuals from your life. I recognize
this can be hard because it may be your life partner, a family member or even
somebody you consider to be your best friend. Attempt to help them to change by
discovering you changing your attitude.
The
most dependable way to get help with the positive way of thinking is by finding
out all you can about the many techniques you are able to use to help move you
to a better, more rewarding and euphoric life. Discover a mentor and
/or kindred soul.
Get what you
wish and merit!
Chapter 3:
Remove Your Mind Boundaries
Synopsis
To become
successful you need to remember that you can achieve whatever you can conceive.
Get
Out of the Box
If
you're not wealthy, it means that you still hold some limiting beliefs about
money.
Here
I'm going to identify several great ways to test your beliefs about money and
to comprehend what is blocking you from the free flow of money.
The
hypothesis I'm going to describe will call for you to put it into practice and
if you truthfully do the steps described you'll uncover the notions that don't
allow you to become wealthy.
If
a few of the steps seem uncomfortable to you (when you entertain them or when
you're doing them) it means that you hold potent resistance towards money.
You'll then need to question why it's so uncomfortable, and this way
you'll be able to bring out a limiting belief.
You
are able to also get rid of limiting beliefs about money by doing one of the
tests below that's least comfortable again and again, until you feel easy with
it. This way you'll leave your old comfort zone of no money and step into a
more affluent comfort zone.
As
well you may think that some steps are simple to do but when it comes to doing
them, you'll find them tough. This also shows that you have a limiting feeling
about money that is so deep inside you that you weren't even aware of it. It's
great to detect such feelings and abolish them.
You
are able to first do this check when visualizing, and when you have a chance,
put it into practice.
Suppose
that you're in a busy street and a beautiful luxury car worth more than a few
homes stops right next to you.
You
are able to see how bright and new it is, it's black and one window of the car
is open so you are able to see beautiful white leather interior.
How
does this make you feel? What re your ideas about this situation ? Attempt to
become cognizant as soon as some thought comes across and write it down.
If you carry limiting beliefs about money, your thoughts would be
along the channels of:
·
―What's the point of purchasing a car which is more expensive then some homes?‖
·
―This individual who drives this car is such a exhibitionist.‖
·
―In all
likelihood he thinks that everybody will be looking at his car, so I'll disregard it.‖
·
―That individual could donate money to those that truly need it instead of
buying cars like that.‖
·
―That's a groovy car but I'll
never be able to afford it.‖
·
―It's out of my
range.‖
·
―I'd have to
work all
my life to afford such car.‖
·
―Only exceedingly rich individuals can purchase such cars and I'll never be
among them.‖
·
If you don't bear
limiting beliefs about money, you'll have thoughts similar to:
·
―What a beautiful car! I'm sure that in
the
future I'll be able to afford it.‖
·
―This is among my
favorite cars!‖
·
―It's so great that individuals can afford such cars!‖
·
―I'm certain that the owner of this car has accomplished so much, it's so great to come close to
such individuals and learn from them.‖
·
―I trust that this person has everything that he wants.‖
·
―I'm sure that I'll have this car in my life because I'm completely allowing
it
to come into my world.‖
·
And if you're very in tune with the source, you may
also think like:
·
―I can well afford this car.‖ (Doesn't mean that you are able to but if you keep affirming this you will in the future.)
·
―I can
feel that this car is coming into
my life. ―
·
―Money comes
so easily into my
lifetime that this car would be an
casual manifestation only when I
specified it.‖
Try to envision such situations and when this occurs in your real
world, try to become cognizant of the immediate views that you have when such
situation happens, and this will give you a capital understanding about what
sort of beliefs about money you hold.
Chapter 4:
Celebrate Small Accomplishments
Synopsis
Be sure to recognize the small accomplishments.
A
Bunch of Small Accomplishments Makes Big Ones
What
kind of a person are you? Are you the ones who's mind is always centered on
greater things and therefore you disregard the small accomplishments you have
had? Yes, it is imaginable that every person will say that greater things are
yet to come. Admittedly, but don't ever forget that large accomplishments
started from little ones.
Success
is a unconscious process. There is a path and a successiveness which should be
followed. No shortcut, we all follow the same processes. The danger begins when
individuals tend to accomplish everything in an blink of an eye. It's like they
don't want to earn their success, but instead they want to purchase success,
which is not conceivable.
Why do we need to appreciate
small accomplishments?
As
of late I met with a couple of acquaintances of mine. We talked about our
former accomplishments in life. Astonishingly, we are all endeavoring to
succeed. What makes us follow up on our goals and plans is whenever we look at
those little achievements we had before. We might not have accomplished the
supreme success we are going for, but if we will add together those small
achievements in our life, it will seem to be really prominent.
Take note of this; observe even the most petite success you go
through. As long as you are coming through, it will remind you that you are
positively maneuvering towards your goals.
I forever recollect a saying that goes like this "Tiny ripples
create a vast ocean." Meaning that every success we have, regardless how
small it is, all the same will produce an impact for us to accomplish a greater
success in the time to come.
Adopting small positive
actions and making small achievements along the way will give confidence and trust in yourself and your dreams.
Don't fear of failure or even success. You have to make a move
and keep thumping until you achieve your purpose. Action develops momentum and
momentum creates power and attracts success and money.
Chapter 5:
Question Your Beliefs
Synopsis
If you have the wrong ideas… you won’t ever get to
the wealth you deserve.
Don’t
Get Stagnant… Question Your Beliefs
Some
individuals believe that they've no chance of ever living the sort of life they
want. Maybe somebody in their past told them that they would never make
anything of themselves. So they go on accepting this message. Something in
their heads keeps telling them that it‘s not worth making much effort, because
they‘ll never succeed. It becomes a self-fulfilling prophecy.
Don‘t
fall prey either to the thought that something must be true because that‘s what
lots of individuals believe. However many share a notion, it‘s not the
slightest bit more or less likely to be truthful as a result. The number of
believers has no bearing on how right it is. There was a time when just about
everybody believed—indeed, knew for an visible fact—that the world is flat and
the sun went around it daily. Guess what? That didn‘t make them right.
Question
your beliefs perpetually. It‘s so enticing to take comfort in beliefs when life
is hard and the future is unsure. Beliefs help you feel stable. You‘ll feel
anxious about distinguishing that the ideas you trust could be false; but, if
you‘re thinking clearly, you‘ll see that a real belief will always stand up to
the closest examination. It‘s the false, outdated notions that won‘t— and they
must be moved out of your way. It's always worth asking yourself, ―Is this truthful? How do I
know
that it's true? Is it still to be trusted?‖
Unexamined beliefs are no better than fairy tales: occasionally pretty,
occasionally comforting, frequently funny, and invariably based on what you
want to be true, not what is.
How
many of the following notions about money do you believe? How many of the
following notions about money have you said or believed in jest? Whether you
have any of these notions or simply stated them in jest—they're unconsciously
driving your relationship with money.
•
Most rich individuals become rich at the expense of
the misfortunate.
•
Most rich individuals got rich by executing
something illegal.
•
Money is the root of all evil.
• Being rich is ―unpitying money grubbing‖.
•
I don‘t deserve to be rich.
• Being rich is ‗immoral‘.
• Poor individuals
are more truthful than rich people.
• Poor individuals
are more religious.
• Rich individuals
are hostile and rude.
• Filthy rich.
•
I work as hard as I can – if I was supposed to be
rich I would be by now.
• My father wasn‘t
rich – all the rich individuals I know had rich fathers.
• All rich
individuals are extraordinary – very originative, high IQ, talented.
• Some individuals
are just lucky when it comes to income.
• It
takes money to make money—I don‘t have any money, consequently, I can‘t make money except a 9 to 5 occupation.
What
you trust about money is regulating both how much money you make, as well as
how you make it. Your notions about money, determines whether you get infinite
abundance or whether you'll continually fight to make ends meet. Your notions
about money molds, whether you produce money through distress or have a dead
end job you detest or whether money will come to you easily and effortlessly,
by merely being a magnet for money coming to you.
Your
notions about money influence your financial comfort zone, which is what you
feel comfy with on a subconscious level, in the richest realm of your emotions.
Your financial comfort zone is partly decided by your preceding experiences
with money, unless you're willing to chuck them and center on that right now,
you're fully equipped to produce whatever sum of money you desire and give
yourself license to experience financial wealth.
• How
would your life be different if you had the notion that money comes to you as
easily as the air that you breathe?
• How
would your life be different if you thought money is just a sort of energy in which you live and move and that all
the money you can potentially need will come to you if you're willing to let it
into your life?
If you had trouble
answering these questions or paused—you have decided that having all the money
you want feels uncomfortable to you. The next step is deciding that you will
change the beliefs about money that are stopping you from having what you
deserve.
Chapter 6:
Money
Mightiness That Comes Through Trust, Disengagement and New Focus
Synopsis
Money is trust and trust is power. As well, shift
your focus.
The
Journey Is The Reward
Individuals are
starting to comprehend that the journey is the reward. That can be translated
in one sense is that the things you accomplish is crucial, not the money. I.e.
the money will come after if you focus intently on what needs to be done to
pick up yourself and the world.
E.g., the more
you innovate and capture the emerging waves of society, the more profit will
follow in the wake of your attempts. Silicon Valley companies like Apple and
Google are lessons. They just want to alter the world through advanced,
breakthrough products and service in the computer and Net domains. As a
consequence, money follows them in pails! They're collecting infinite-like cash
on hand with no long-term debt. It shows the growth of self-multiplication
power of money in society.
Money is a
mightiness of trust. The more trust, the more it propagates. The banking system
is one example when they loan out money. One propagation of this trust power is
the availableness of micro credits to poor women in Asia.
Money's ultimate might
comes through elemental trust. When we connect to the most bass realms within,
and thereby move away from ego and separateness, we enable the biggest trust.
I.e., we have the trust of the divine in action. In between, a lot of stages
and manifestation of trust will come out in society. Those who tap into that
will flourish beyond their wildest dreams.
Money comes to
those not attached to it. Man is by and large a slave to it. It's mostly in the
hands of dark forces, but that's changing. We can overcome the state of affairs
by changing our consciousness, including our relation to and view of money.
Money is a
immense social power that the world misses. If we align ourselves with that
emerging social power, we align with the infinite money possibilities.
It's a basic law of life that everything -- whether
it is a physical object or a human
-- responds to
greater attention. Money is no exception. The best way to give attention to
money is to account for it precisely and in a timely manner. Keeping accurate
and up-to-date accounts of money is a mighty mechanism for all of a sudden
attracting more of it.
-One small
business proprietor balanced 8 months of back bank statements in a weekend, and
got $5000 out of thin air the next day.
-An individual
discovered that an idle machine had become decrepit, so he decided to clean and
fix it. Inside a couple of days, a new work project suddenly developed where
this very machine was required. The project, using that machine, became a huge
fresh source of income for the business.
Chapter 7:
Why the Not So Dear Pull in
Wealth and Solace
Synopsis
Why not-too-good or even bad people are flooded with
money and comforts.
Learn
the Secrets of the “Bad Ones”
Why is that not-too-good or even bad individuals are flooded with
money and amenities, often coming as mighty response from life.
In
one sense, life isn't moral -- i.e. simple good for good, bad for bad -- but is
''amoral" and neutral, which takes in a assortment of components in
ascertaining whether it will react in one's favor. E.g., life reacts not only
to goodness, but also to intensity.
Rich
individuals often are strong, and life reacts positively to that forcefulness.
The energy they discharge outweighs the negative, so life reacts positively for
them. On the other hand, if they mislay their force and will, there's likely to
be a usurious fall downward! As well, if they've been negative, they'll receive
the wrath of karma one way or another down the line in other attributes of life
or through the wealth itself.
We
understand that money and amenities are not the goal of life. They're the means
to greater things. If all the not-so-good or bad individuals have is profit and
solace -- i.e. they‘re barren of real happiness and fulfillment -- then they'll
have gotten what they merited!
Additionally, these individuals often recognize the processes that
draw in money; not only how to externally earn it, but sense semi or
subconsciously the elusive, hidden laws that govern and attract it.
We
recognize that life reacts to following the action of creation -- i.e. having a
visual sense of a thing, intense will to have it take place, coordinating the
details, and performing in a timely way with elevated skills. One can be a good
or bad individual to follow that process.
Universal
Life is inert and amoral and thus reacts to such inert factors. Naturally, if
they bring negatives, it will appear someplace, whether in a different domain
(e.g. with family, or reputation, or regard) or through troubles of the wealth
itself. Karma is actual.
Strength,
knowing the action of creation and achievement, high energy, drive, skills,
etc. draw in. Anybody can have them -- good, bad, or middle. However, true
fulfillment comes through the acceptance of fact, integrity, and other high
values when questing for money.
The
spiritual individual aims not to own wealth, resources, etc. but to go after it
for the interest of other people, so it can be dispersed to the collective, so
that human beings can use it for the highest of purposes.
Money
is in the hands of the Asura (dark forces), and we must gain it back for the
Divine through our high awareness.
If we also bring strength, might, energy,
drive, and vision to bear, then we'll pull in staggering positive results,
which we'll experience as profound delight and complete fulfillment.
Chapter 8:
Circulation And Money
Synopsis
Like any power, money needs to move freely in order
to sustain itself.
Everything
Needs Circulation To Survive
Holding back on anteing up, or otherwise squirreling away money,
prevents the free flow of vigor, and thus the free flow of money.
For
instance, we have seen a number of cases where individuals were unwilling to pay
the bills they owed until they first incurred payments of money due to them.
Reversing such a mental attitude can bring a sudden abundant confident response
from life.
A coder, who had little cash on hand, was unwilling to
write up checks for current bills due until he encountered money owed him from
his customers. He had been ready and waiting for a number of days for this
payment to come in.
He
then overturned his attitude, and plowed ahead and wrote up the checks for the
money he owed anyhow. When he went to collect his mail 10 minutes later, he was
surprised to chance upon the check he had longed-for in his mailbox.
We
have as well seen examples where individuals were unwilling to spend their
current cash in hand for crucial necessities. Even when they had plenty of hard
cash on hand, they amassed it, often because of some baseless fear. When they
reversed themselves, life answered in over-the-top ways.
-A
internet site owner was hesitant to upgrade to a better site because of the
added expense, even though he had the called for funds. The web host provider
had suggested the better site a number of times in the preceding.
When the internet site owner finally overcame his reluctance to
spend, he discovered to his surprise that the web host provider had abruptly,
the day before started offering this better, higher-priced sit, at a cost
literally the same as his current site!
-There
was a gentleman who was hesitant to spend revenue on a deserving friend. When
he altered his position and did so, he saw that money went back to him in the
exact amount he had spent on his friend!
"inner-outer
correspondence"; i.e. life reverberates on the outside your psychological
condition inside within yourself. If you make your beliefs or attitudes more
confirming, such as defeating an unwillingness to pay a bill or the hoarding of
money, life on the outside will respond positively to you in kind.
Chapter 9:
Cosmic Method of Accounting
Synopsis
The way we handle our business brings money to us or
away from us.
Money
And Life Are Affected By Decisions!
If
we move our consciousness to a higher layer, life responds to that attempt.
Whether it involves a little or big matter, sudden good luck will arrive in
answer to any movement to the favorable.
Today
I had my eyes tested for the first time in 7 years at Lenscrafters. Like going
to the dentist, individuals don't normally look ahead to such events, unless
they're compelled to do so -- i.e. when life forces one to change through
difficulty, pain, or another compulsion.
On
this occasion, I wanted to pay for service delivered half by credit card and
the half by my debit (i.e. bank) card. Fundamentally, I didn't want to run up
my charge card more than I had to. As it came out, I was not able to make this
arrangement, alternatively paying $300 via credit and the remaining $100 by
debit.
A half hour approximately later after returning to my office (with
my eyes still enlarged and as a result my sight still blurry), I went to my
American Express account statement to see if I could make a correcting payment
to offset the additional amount I paid using that charge card at Lenscrafters.
Regrettably, when I tried to get at the account, it was unavailable.
I took it plainly as a sign that my want to make an extra payment to compensate
for overuse of
my
charge card wasn‘t necessary; i.e. Called for by life. And so I blanked out the
matter.
All the same, when I then went to my postbox, I found a
strange letter. It was from the
state making known to me that I had some unclaimed revenue due, which called
for additional identification papers on my part.
As
you may have guessed, the amount was all but the same as the amount I wanted to
pay on my charge card account! Life basically compensated me for my ambition to
draw down on charge card payments by "sending me the remainder." It
would turn out to be the only additional money related matter that came to me
by post or otherwise that day.
As
we see, life will answer to any shift in awareness to the positive; even the
most pernicious of changes. Because I felt it was the correct thing to not
overstrain my charge card and pay half of Lenscrafters bill via debit card,
life itself manufactured the difference.
Fundamentally, by taking a higher order decision based on a
pragmatic value, I aligned with disciplines that brought the transaction back
into equilibrium.
Thus, through
some cosmic-like accounting, the balance of life was restored.
|
Chapter 10:
Giving To Yourself and Others
Synopsis
Self-givingness
can show in a number of ways. Generosity whether through one's inner purpose or
in a physical gesture in life, is a crucial one. It not only brings confirming results to the receiver, including a relationship partner,
but to yourself also.
What
Is Your Generosity Level?
Unselfishness
Whenever
you change your view from yourself to others, energy step-ups, and conditions
for success disclose themselves in the form of sudden and abundant confirming
life responses. This includes a motion on your part away from stinginess and
tightfistedness, and towards unselfishness. Even the humblest movement in that
direction can attract sudden good luck coming your way, including the
attraction of more money.
A
fairly tightfisted man decided to pay for the trip of his acquaintance, who was
in a little bit of financial straits. It was something he wouldn't normally do.
The next day he got an unexpected payment for an invoice that he didn't expect
to arrive for quite a while.
(In
this event, he comprehended the correlation between the getting over of his
tightness and the comparable positive response from life. Additionally, he also
noted the trend that the amount he would liberally give another was almost
exactly equal to the amount that suddenly got back to him thereafter!)
Goodwill
and Generosity Too -- A associated way to attract sudden good luck is to feel
goodwill and gratitude towards other people. One individual inwardly sent
goodwill and gratitude to assorted customers and friends. Before long, there
was an avalanche of beneficial news from them in terms of sales, money, and
other types of good luck.
Goodwill in
Work
A
different great way to draw in money is having goodwill to other people around
us as well as the situation and condition around us. Better still whenever
there's goodwill in one's work. That will pull in the greatest reaction for
money to flow in. Floods of money come in your life if your goodwill flows out
in floods. For instance, a contract instructor who puts his body and soul into
a class, will see thereafter, possibly the next day, a sudden rush in his good
luck in the form of more work, more revenue, more chances, etc.
Think
about this example of an individual who used an "inner" formula to
project goodwill, and the leading to positive responses he got from life as it
related to revenue and success.
One
recent morning I sat concentrating to bring forth an attitude of goodwill to
particular individuals and aspects of work or life that I was associated with.
During
the day, I got a whole series of beneficial news related to the very matters I
had been centering on as well as on another aspects of work that I wanted to
complete but had set aside for the
time being as beyond my present capabilities to achieve due to deficit of time.
I had been broadcasting goodwill to a client company I
was on the job with and praying their revenues should step-up. During the day,
they closed a good sized order that had been in question.
Why Money
Responds to Goodwill and Self-giving
Karmayogi
often writes that money touches on those with goodwill who practice
self-giving. Why? To comprehend why, we have to keep in mind that money isn't a
thing, it's a force. What is the aim of that force? The aim is to promote
reciprocally beneficial relationships between humans -- so individulas can
exchange the fruits of the labor. Money is a power for human interaction and
interchange. It enables one-man to work hard growing food and exchange it for
another individual‘s labor making products or allowing for services.
Money
is like language. It's intended to help human interaction. Envisage a
individual who says that he won't speak to anybody because he wants to keep all
his words to himself. What good is his language to him then? Money is the same.
Language matures and becomes valuable only if we relate to others. The more we
try to relate and communicate, the more useful language is and the more adept
we become in utilizing it. Language has the ability to enable a single person
to communicate with the whole of humanity. We don't hoard language. We don't
try to withdraw the language of others. We naturally comprehend that the more
individuals speak our language, the easier it is for us to communicate. The
same is true of money.
Look
upon money in the same way as a means for communication and furthering positive
relations with other people. Money grows when we relate positively to others --
not when we want to take what they have or acquire more than other people or
feel superior to them -- but when we feel pleased that everybody around us
prospers and when we take active initiative to promote the successfulness of
those we meet. Conscious acts of goodwill and self-giving put us in touch with
the worldwide power of money and attract the force of money to flow toward, in
and through us to the cosmos around. The more we feel the urge to give it, the
more it comes to us.
Wrapping Up
Money
can have its own identity, power and presence. Learning how to have the correct
attitudes about money can help you get so much further financially.
As well,
understanding how your view of money can change your circumstances is important
as well. Learn all you can!
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