10 Ways to Start Earning Extra Money Now

We all could use extra $$$, thought I would share this info.  10 Ways to Start Earning Extra Money Now

SLASHING HOUSEHOLD EXPENSES WITHOUT SACRIFICING

As I'm still learning how to save money, I'm always researching...Check out this article on Slashing Household expenses without sacrificing.

TWO DAVE RAMSEY LESSONS FOR $1.00

Thanks to addicted to saving, I was able to take advantage of this deal, see below

 For $1.00, you will receive two audio MP3 downloads: Cash Flow Planning (for mom and/or dad) AND  The Super Red Racer (for kids).  In today’s tough economic climate, I think we all can appreciate sound financial advice from those who have “walked the talk.” 

To Take Advantage of this Deal:
1) If you are newto Mamasource by Mamapedia, go HERE to register for a new Mamapedia account
      If you are have an existingMamapedia account, go HERE to login.
2) Click “Buy Now”
3) Your total should be$1.00. Finish checking out.

Fine Print: Cannot be combined with any other offers, Downloads only compatible with broadband connections & can be burned to CD (up to 10 times only)
Limit (1) voucher per transaction,  Expires February 28, 2012

Even Financial Gurus Make Money Mistakes

Several Financial Advisors share their mistakes,
read further...financial-gurus-make-money-mistakes

Nothing to Lose and Everything to Gain

The title has caught my attention, I will be adding this to my list of books to read.  In order to be successful we do have to learn and study successful people... Read futher....Ryan Blair

Wow! Couple Slashes Debt in 10 Months...

This couple was committed and stuck with it until they eliminated $46,000 in debt.  We all can take a few of their tips.  Read full story How-I-Eliminated Debt.

Student saves $300 a month with extreme couponing

Okay! This college student put my little stockpile to shame.  Although, I'm not showing my grocery stockpile in my previous post, she still has much more than I do.  As I vow not to go extreme, I am going to spend more time clipping and using coupons.  Check out full story Student saves $300 a month.

COUPONING

Well, I've been spending a lot more of my time couponing.  I fell off the ban wagon, but I'm back on.  After watching a couple episodes of extreme couponing, I figured I need to get back on track.  I took a break from clipping coupons to use up my stockpile I accumulated over the last several months.  Although I'm not extreme, I definitely take advantage of getting great deals on Toilet paper, toothpaste, body wash etc.  It's worth the time to look up deals on the blogs ( listed on coupon page) and I purchase several Sunday papers each week.  I did purchase 1 shelf to organize personal items in my closet, but I'm not extreme.  Take a peek.  My husband has limited me to storing items in my closet.  It's a great feeling to get products/food for little or nothing. 

Lesson Learned

I am so disappointed in myself.  My husband showed me how much interest we paid on our Sears charge card.  I am the one who mainly uses it.  I thought I was doing a great job in only charging what we could pay in full at the end of the month.  Well, out of convenience, I charged way too much.  I used it to fund the kids lunch card, gas, cell phone bill, everyday things that I would normally pay cash for, but it was so easy to charge.  Well, the convenience cost us a whopping $748 in interest for 2010.  I could kick myself, but when you know better, you do better. We could have used that money for so much more. 

LOW COST INVESTMENTS

Okay! It's time to get started growing your money...Here are some ways to get started investing by low dollar amount.

Lazy Ways to Save Money

We could all learn something from this article 20 Lazy Ways To Save Money.

TEN BIGGEST MONEY WASTERS

1. ATM fees
2. Lottery tickets
3. Gourmet coffee
4. Cigarettes
5. Infomercial impulse buys
6. Brand-name groceries
7. Eating out
8. Unused gym memberships
9. Daily internet deals
10. Bundled cable or phone services

Read the article CNN posted a few days ago 10 Biggest Money wasters

FREE 1 YEAR SUBSCRIPTION-SUZE ORMAN MONEY NAVIGATOR CODE

If you missed it the last time this was offered, you can get a  FREE 1 Year subscription –  Suze Orman Money Navigator Newsletter. Enter the code WENDY in the gift code box (Normally $63). 

 Thanks, Bluegrass Savers

Your Net Worth

In researching and expanding my financial knowledge, I was asked if I knew my net worth.   Hmmmm
No I don't, and I'm kinda hesitant to find out.  However, this is a key element needed to start my financial portfolio.  Here are a couple helpful easy links. Net Worth Calculation Worksheet, or Net Worth Calculator.

Living a Six-Figure Lifestyle on a $30,000 Salary

Another great article on yahoo, that is worth reading.  Read more on living a Six-Figure Lifestyle on a $30,000 salary

COUPONS

Okay, yeah I know it's been awhile.  I've been caught up in clipping coupons, and haven't figured out how to manage my spare time between blogging, couponing, and everything else I can fit in.  I am working on it, but right now, I'm happy to say I won't have to buy toilet paper, paper towels, toothpaste, or deoderant for a while now. 

Checking Fees

After viewing my statement, I noticed a $12 fee.  As I inquired about the fee, I was told that changes were made to my account the first of the month and I should have been notified. The bank I initially opened the account with was purchased by a major banking firm; in which now, I would have to make (2) $500 deposits monthly,or keep $1500 balance in order to have free checking.  I was told my fee was discounted from $15 to $12, I guess I'm priviledged. 
I have a joint acount at a credit union with my groom, I have a separate account that I use for personal use (cashing rebates, etc.)  Needless to say I'm looking for a free account without many stipulations.  I may have to resort in using banking online....

OOPS

I messed up on Friday, I ate out for breakfast in which I never do.  In fact, I normally do not eat breakfast, so I know to get my metabolism going I need to eat breakfast.  I turned around and ate out for lunch as well.  So there goes $11.  I have to do better, this weekend I will grocery shop for items to take for lunch and breakfast next week.  I plan on starting an account for my savings on coupons and not eating out each week.  I have to some how see progress to stay motivated.....

Packed Lunch

I saved lunch money today.  I took my lunch Yippie!!!  It's a begining, now I just have to stay consistant

A Hmmm moment

For the last year I've been clipping and saving with coupons.  I've done pretty good to the point I had to stop for a couple of months to use up the stock pile I accumulated.  What good is a deal if you don't use it, or let expire.  One of my co-workers brought to my attention that I save money clipping coupons, but eat out everyday for lunch.  As a come back, I told him that the reason I can eat out every day is because I save money clipping coupons.  After I thought about it for a moment.  What good is saving with coupons, if I don't do anything useful with the savings.  Spending it on take out everyday is not a wise choice for the savings.  Tomorrow, I will start taking my lunch, I may eat out a couple of times, but I need to see something useful being done with the savings. 

1st Step

Today I decided to take my first step in improving my financial portfolio.  Although my 401K plan has increased $1500 according to my last statement, I need to save more.  So today, I decided to increased my 401K contribution from 7% to 10%.  It may not seem like a lot, but when you live from paycheck to paycheck every penny count.