March 2009 - Clearly Broke

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Clearly Broke - March 2009

How to Make Money With No Money - Things You Must Know Now

By [Really Long Link]Chuck Tanner

Is it really possible to make money with no money, online? Yes, it is possible. I'm proof of that. I started out online without putting in any money initially. Of course I later invested money in my online ventures, but what I start off with was so little.

The important fact here was that I started making money with no money. You could dramatically hasten the speed of your success when you invest in some information about how best to make money online. I mentor several people from time to time about how they or anyone for that matter can quickly start earning a good online income.

I usually advise those without any money to begin by taking online surveys. I tell them to take as many surveys as possible to gather some cash. I then advice them to invest the cash earned immediately in good information about online money making methods.

I'm glad to say that every one of my students who have listened to my advice and remained focused, have started making good money online. This is how to make money with no money. The free surveys will get you started earning money, but to really explode your income and flood your pocket with cash, you need to invest money in information about other solid online cash earning techniques.

Don't compromise on what you invest on knowledge. Knowledge is what separates those making money online from those who aren't making anything. You need to also work on removing doubt from your mind. Procrastination almost ruined things for me when I initially wanted to start my online ventures.

I kept telling myself, I could start later. I ended up wasting so much time and my bills continued to steadily pile up around me. Those who take action usually succeed when it comes to making money.

You can make money with no money when you start with no cost methods like survey taking. But you then need to invest in acquiring more information later on.

Do you want to know more about the money making method which brings me the most amount of cash on a daily basis? Read about it here: Really Long Link and discover all you need to know about how to make money with no money.

Article Source: http://EzineArticles.com/?expert=Chuck_Tanner Really Long Link

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March 28th 2009 @ 01:18

Posted By: Summer Banks - Category: No Category

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A Planned Budget for Frugal Living

A planned, budgeted living can help you overcome times of peril and chaos. Any capitalist nation can get crushed without any prior warning in such circumstances. Under such circumstances, man has to wake up and take up all possible steps to avert the financial disaster. The first and foremost requirement is to make a truthful assessment of all the recurring monthly expenditure. Make a proper record of the money you spend on entertainment, dining out and other hobbies. You can also use a budget form to jot down your expenses. Property taxes, insurances and other expenses, employ a yearly billing format and thereby divide the total amount by twelve to get the monthly amount. Make an account of the groceries you purchase every month. Calculate your earnings per month including the amount you obtain from financial deposits etc. You can test the effectiveness and functionality of your budget by subtracting the accrued monthly expenses from your earnings.

If you discover that your budget leans more towards the negative side and your expenses are far higher, do some urgent rework to crunch the numbers and make suitable cuts in unwanted expenditure. After you have created the budget that covers all monthly expenses and financial goals, put the budget to a test to check its functionality. Try living within the budget and sense the difference. Assess the budget at the end of every month, and make sure that your budget and expenses match and are balanced. Keep assessing again and again to catch any area of overspending. If you are honest regarding your spending pattern, you can end up with a very realistic budget. You should never forget to budget for entertainment and fun, which can otherwise lead to a feeling of deprivation and resentment.

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March 19th 2009 @ 02:01

Posted By: Summer Banks - Category: No Category

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Peaceful retired life….

It is sensible and wise to ensure a peaceful and comfortable, retired life for yourself. It is a dream for each of us to be well settled even when there is no income to sustain us. So planning for a regular income through bank savings, insurance policies and other ways should become an important part of our earning days. To ensure that we keep our self-respect intact and serve ourselves is a pre- retirement dream of every individual. The feeling of independence enhances the quality of life lived; so every working individual must take care of their future by planning for it very early in life. If you consider yourself healthy enough, you could even plan on a part time job. Cultivate a hobby that would keep you mentally and physically occupied and is not a strain on your budget.

Though it is easier said than done, saving is a big problem nowadays with the cost of living touching dizzying heights. But despite the difficulty, you should endeavor to save up a chunk of your earnings to save up for the rainy days. Life is made up of many hurdles, strife and ordeals. And life insurance is one way of being prepared to face them. It not only forces you to save and get you into the habit of saving, but also provides all kinds of benefits monetarily in times of need. So for a peaceful and comfortable retired life, you should start saving up right from the time you start earning. This ensures that your old age or retirement need not be a burden on you as well as others. Your self-respect and independence are assured and taken care of and you then become your own boss.
Paying a hefty sum of insurance premium is a daunting task; so here are a few ideas to help you save up a little to make it big enough to pay for your insurance.

A Few Money Saving Tips

First and foremost, self-discipline is the biggest and most important factor. So, focus on your immediate needs and categorize them into what you can do without and what you cannot do without. This will help you decide what you need to buy and what you don’t and limit your shopping accordingly. Using vouchers and coupons helps you to save some of the hard earned money. Never encourage your impulses when shopping.
Never use a credit card that can be quite a troublesome drain on your finances unless it is for online booking or reservations. Use your credit cards judiciously, because sometimes there are offers like a 5% or a 10% money back offer when you use your credit cards for shopping. But at the same time, look out for hidden costs.

Eating out can be an expensive affair; so here too, you can use your vouchers or coupons and limit the eating to restaurants that are less fanciful so that you don’t end up paying for services but only for the food you eat.
Getting your Broadband, TV, and phone from one supplier can help you save time and money. Riding a bicycle is far less expensive and healthier than using a car for short distances.

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March 15th 2009 @ 03:07

Posted By: Summer Banks - Category: No Category

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Clearly Broke Taking a New Turn

I am a new blogger for ClearlyBroke.com and after looking through the previous posts, I felt the sudden need to address the audience directly. This blog has been focused on the life we live when we are ClearlyBroke as opposed to the life we can lead when we are not. Twelve years ago I was living on public assistance, had 52 cents in the bank, my first baby was just born and neither my husband or myself were able to find work. We were the epitome of being clearly broke.

Today, we live comfortably and we rarely check to see if there is money in our bank account (I used to check every time I went to the grocery store to make sure the check would not bounce). To make sure you read that correctly, it took twelve years to work out of the hole we had fallen into, but it was well worth the fight to live comfortably today

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