Pennysaverblog – Page 185 – Smart Finance and Money Saving Tips

General

Are You Feeding Your Soul Or Just Your Bank Account?

This may sound like a cheesy topic, but just bear with me for a minute, and maybe you will see where I am going with this.

How much of your day is taken up with earning money? I am not just talking about the time spent at work, but the time spent commuting to work, the time spent at home when you are thinking about work, and whatever else I failed to mention here. For most people, the answer is probably a lot higher than they realize.

So what can we all do about it? Well, for starters, we need to consciously take the time to feed our souls, too, and not just our bank accounts. One easy way is to pop in a CD of an artist you really enjoy while driving to work. Pick something that relaxes you, that moves you, and that puts you in a good mood. This simple thing is a way to feed your soul. And it doesn’t cost you anything.

October 19, 2013

Debt

Do You Want To Be A Slave?

Did you know that when you borrow money from a bank or from another person, you actually become a sort of “slave”? Yes, it’s true. And the more you borrow from someone, the longer it will take for you to be freed of that slavery. That’s why it’s really important that you take debt very seriously.

In our world today, people don’t think twice about buying big ticket items on their credit cards. But do they realize how much interest they will be paying to the credit card companies? The people who do this are slaves to the credit card companies for many weeks, months, and possibly even years, just for a single item they purchased in ignorance.

Credit cards are not the only forms of debt that can make you into a slave however. When you buy a home and get a mortgage, this can cause you to be enslaved if you end up buying a home that is too big for your budget.

One thing I want to make clear is that debt itself isn’t the culprit. It’s the people’s lack of knowledge that causes the biggest problem. Let me explain:

Although you will find blogs on the internet that talk about all debt being bad, I don’t believe that is the case. Why? Because most people that I know would never be able to buy a home if they had to pay for it with cash. Also, if I wanted to go make a big furniture purchase, I would far prefer to use my credit card rather than risk carrying large wads of cash with me.

October 16, 2013

Debt

Ways To Improve Your Credit Without Credit Cards

Did you know that there are ways to improve your credit without the use of credit cards? Most people don’t realize this and because of that they put themselves at risk by getting multiple credit cards that they know they should not have. What you need to understand is that credit cards can often be a problem, not a solution, if they aren’t being used properly.

So, what is the best way to improve your credit without credit cards?

Get a secured loan.

Well, the best way to improve your credit without credit cards is to get a secured loan. What is a secured loan? A secured loan is one where you are backing the loan with some type of collateral. For example, a car loan would be secured, a home loan would be secured as well and a recreational vehicle loan would be secured too. The reason these are better is because you get a better rate and they don’t let you spend more on them once you have received them. Unlike credit cards, these types of loans are set, so you know exactly what you will be paying and when it will be paid off.

October 13, 2013

Earn Extra Money

Tips For Making Money Writing Kindle Ebooks

Have you ever read an ebook? If so, then you know just how simple they are, right? It is because of this that you should be writing a kindle ebook. The nice thing about ebooks is that you write them once and they will continue to pay you for the rest of your life.

Think about it – where else can you do something once and make money off of its sales for years to come? My guess is nowhere else, right?

With that said, let’s get started on some of the tips that I have for you when it comes to making money writing Kindle ebooks.

Tips To Making Money With Kindle Ebooks

Research The Category – When I say research your category I am talking about the category that you plan on publishing your book under. The reason you do this is because you don’t want to write an ebook in a category that you know you will have a difficult time getting up in the search results. Just know that you won’t find a category that has no competition, however, you can find one with very little competition.

October 10, 2013

Earn Extra Money

Tips On Making Money Selling Used Books

Making money selling anything is a good thing. If you have ever visited a yard sale, then you know that books are one of the most popular items there. What you need to understand is that a book is one of the best things to sell as there are always a good supply out there and they don’t cost that much to get started.

So, if you want to start making money selling books, then I have the tips that you need. A lot of people don’t understand that selling books doesn’t have to be done at a yard sale or on Craigslist, the best place is Ebay. What I love about Ebay is that the price to ship a book is roughly half of what you normally pay and the cost to list them is usually free. Below are some tips:

Buy Cheap Books – How many books do you plan on buying? If you want to buy 100 books to get you started, then I suggest paying as little as possible for these. What many people do to get started is they buy boxes of books from yard sales at maybe $2 a box. By doing this you can get books for less than .25 a piece.

October 7, 2013

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