The World According to Me

Now is the time of year to think about planting your garden. While flowers are beautiful, you can save yourself money by using your garden space to grow your own food. As a bonus you will be eating healthier and helping the environment. Turn your deck, balcony or garden into a personal salad bar.
It doesn’t […]

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Ever feel like you are working harder and yet still falling further behind? You may be right. Average salaries haven’t increased in 30 years and the cost of living has increased 200 – 300 percent. For the average person this means they are paying more for their housing, food and transportation costs on less money […]

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…and wondering what you do now?
The first thing you should do after signing up for Sunshine Rewards
is check out the forum. You will find all kinds of people who are ready to answer your questions (and posts that may already have those answers). You can find information about new contests, quick crediting offers and […]

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In about a week I will be leaving for a trip to the Netherlands and Belgium. I cannot even count the number of times in the last few days that I have been asked how I can afford to travel on my salary. So I thought I would share some of the ways I make […]

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I sat down today and figured out how much I’ve been saving in the food part of my budget. It added up to over 2000 dollars! How did I do it? Well not by surviving on ramen noodles and water. I used some simple strategies that ended up saving me time as well as money. […]

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Given how online shopping has grown I’m amazed at how often people don’t think to protect themselves. You not only need to worry about protecting your personal information, but also to protect yourself in case a transaction goes badly.
A few tips to help you avoid fraud and security issues:
- confirm the retailer’s delivery and return […]

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Hopefully along the way you have changed your thinking about your finances. Know how much money is coming in and where your money is going. Delay purchases until you can pay without financing or have a good plan for repaying the debt. Consider everything you are going to buy and whether you truly need it […]

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Otherwise known as, how do I keep moving toward my goals? Every plan needs to have room for changes in your situation and emergencies. Some plans may need a little help so consider seeking professional help.
Know what you will do when you have any unexpected money. The best option is to pay down […]

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Choice 6: What do I pay off first and how much do I pay?
Look at the holders of your debts. They probably include credit card companies, banks and maybe family members. Look at the interest being charged on each loan and the relationship you have with each lender. The order suggested below is a suggested […]

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When trying to map their financial path, many people cannot reach their goal by cutting spending alone. You should have a clear picture of your income and expenses if you tracked your money as suggested in my first post.
Choice 5: Where can I earn more?
Take a look at the bottom line created when you […]

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