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How to Turn Your Financial Troubles Around

Money worries have many different voices: “How am I going to pay my phone bill? My lights are almost two months behind. The rent is due. What are we going to do about the mortgage? We don’t have money for football uniforms. No field trip. That cost money. No, you can’t have that, it cost more than what we have in our budget. They’re coming to take the furniture back; our payment is overdue. The kid needs her braces removed but the dentist won’t do it unless we pay the rest of the money we owe. I’ve lost my job. I’m sorry, honey, they have downsized my position. If I want to keep my job I will have to take a cut in pay. How can I afford these child support payments? I can’t take this any more. What are we going to do?”A mind that is cluttered with money worries may be flooded with one or two or all of these thoughts at one time or another. Maybe you were there once in your life, maybe not. Most people with financial troubles are anxious, confused, angry, harbor feelings of hopelessness, insecurity, and uncertainty about future financial outcomes. Consequently, this state of mind affects everything, including work performance.It’s time for a financial assessment. Is your trouble because you have maxed out your credit cards? Maybe you have more month than money. Do you have medical expenses? Are you sick and can’t work? Have you lost your job, or been downsized? Where did the shortage originate?Once you have assessed where the problem lie, then you can look at remedies. Money troubles in plain simple English are not enough money to cover your present lifestyle. The causes may or may not be within your control.When the funds are low, the logical answer would be to make more but what most people do is fret about it. Some spend more time worrying about what they don’t have while others add on a second job.Money troubles are not going to go away without something changing. Worry will not make up the deficit but initiating a plan of action will.Step IMake a list of all of your monthly household livingexpenses: mortgage, rent, utility bills, etc.Step IIList Your Debts (creditors you owe)Step IIIList your entertainmentStep IVList miscellaneous (lunch, coffee, snacks, etc.)Step VWrite in how much you pay on each. Total thatamount.Step VIList your sources of income (job, spouse, etc.). Takethe total from this and subtract it from what you spend onhousehold, debts and entertainment. If that figure showsyou are not covering your expenses, look back at yourexpenses; see what you can eliminate from entertainment.Make a list of other areas you are expending money,such as lunch, dry cleaning, hair cuts, etc.Try taking your lunch from home rather than buying lunch. The average lunch cost about $7.00. That $7.00 for five days comes to $35.00 a week, totaling $140.00 a month. Imagine if you, your wife and children spent the same amount weekly,that would amount to a partial mortgage or rental payment.Take a look at your Debt. Began to work from the smallest to the largest. Take the money you saved from not buying, let’s say lunch, and redirect the total amount towards paying off the smallest debt first.As you pay off each debt, take that money and add it to the next smallest debt, working your way to the largest, until you have eliminated your debt completely. While you are doing this, examine your household budget.Look at how to eliminate some of your other expenditures; for example, if you have a high cell phone bill, you might want to exchange that cell phone for one with a more fixed rate. Maybe instead of hiring a lawn service, you could cut the grass yourself. Perhaps you might visit Barber or cosmetology trade schools to obtain these services at a reduced rate.Look at what you are already doing first to find the extra money. If you still need more to make up the deficit, then you might look at your skills and talents: start a home-based business. It’s something you could do as a family.Money troubles can be conquered, if you are willing to take a few extra steps. Don’t look at the impossible debt mountain, began the climb one step at a time. And, yes, it is okay to reward yourself along the way but keep in mind where you are headed. Don’t overdo it. Once your debt is eliminated, don’t spend the excess money; instead, add it to your future savings options.Understand that paying your debts down will not take place overnight but if you are consistent it will happen.Blondie L. Clayton is a Realization Strategist™, Publishing Coach, Author of several books, Freelance Writer, hosts of several radio talk shows online. Download your free debt free starter kit at debtfree.print2publish.com
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Computers and Technology Internet TrendsUtility computing: Wave of the futureby Rocky PacleyTalking about impact on the way we shop, communicate, build businesses and various life needs. The Internet is our bread and butter. In time every individual will wonder how to do anything without an Internet connection. Thinking about the things we can not do online is almost nothing. Every aspect of life is dependent on the Internet. Having knowledge of our latest online trends we are almost completely dependent on the Internet.The fact we need the Internet in order to call our family and friends is becoming a way of life. Looking at the wireless industry and the way wireless businesses are sweeping the Internet speaks volume. The billion dollar a month industry of wireless is providing wireless communications within the structure of the entire industry. The impact wireless is having on the Internet is about to provide online services through the handsets practically elimination of the desktop computers with in the structures of our businesses on and off line.The trend of wireless has a strong hold on the Internet industry providing an excellent form of communication and making conducting business on the Internet more efficient. The fact you will some day have a Home Based Business doing business through your handset is only a few steps away. These are reality concepts of the future the utilities of our computing future are all about the wireless networks and what they're providing for us now.Setting your sights on the future you better become knowledgeable about what the wireless providers have in store for us. If you follow the latest trends and know how much we spend monthly on the wireless devices we use you will know the utilities will consist of wireless online functions of all variety. The impact wireless is having now is more than a sign of the future. This something we have become very dependent upon and with out the knowledge of the wireless industry you will discover you have some catching up to do. So by now you should have considered the facts about having access to the wireless utilities of the present in order to prepare for the wireless of tomorrow.The history of the wireless communication business provides royalties of top service and assistance to wireless users and Wireless employees with prices that are reasonable due to the work that goes into establishing wireless networks. The wireless industry have businesses that have been establishing a time when they will dominate the online industries with services.Over the years the wireless providers have been structuring around the clock a Network Billing System that will in the near future take a big chunk of the wireless billing industry by storm. There's a company right now establishing an online marketing wireless billing concept that will provide online stores that handle a massive sector of the wireless billing industry and have already established a 24-hour seven days a week Network Billing and Maintenance Center.Not only that, their data billing system offers the pre enrolled Wireless Representatives directives that will entail handling various wireless customer's billing access and services to wireless customers accounts monthly. After you've entered into this wireless providers business you will be treated as if you're being served by any of the top four wireless providers with support in, sales engineering support, project management and active Wireless Representative training.This wireless online business will provide sales support from your online wireless businesses back office support center assisted by the Network Operations Center to enhance operations right from your Home Based wireless business.Speaking of our utilities and computers the Wireless Representatives will be provided with wireless communications results in order to explode their home based wireless businesses.These wireless elements are the utilities of computing of our future and being in the middle of these essentials of our online future is having impact while the pre enrollment is exploding.The wireless industries implementations is the direction we are headed in and enjoying the largest wireless news ever will have its place in history as the Internet and long distance services provided in our communication technology and World Wide Web advancements.THE CELL PHONE REVOLUTION HAS BEGUN – FIND OUT HOW MANY ARE TURNING CELL PHONE BILLS INTO PROFITS. GET INFO AT WWW.JUNIQUES.NET
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Hello CommunitySimple statement, The wireless industry is huge in scope and revenue generationThe obvious that might get overlooked - Having access to that scope and revenue generation could represent significant income.Reality - WE can have our own ONLINE Wireless Store, we can until 17 Jul 08, get a FREE Website to do our investigation of this opportunity.You will know if this is for you by 18 Jul 08 or before. I encourage you to check this out.Networkingly yours,Rickey
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Some Events "Speak" for themselves1. How many People Do You Know With A Cell Phone?2. Do You Think Half Of Those People Would Be Interested In Making Money From Other Peoples Monthly Wireless Phone Bills?Get Free Website until 17 Jul 2008.Service goes live 18 Jul 2008go to www.juniques.netHave a Great Networking day,Rickey
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Learning your Business and Industry – Guarantee SuccessBy Rickey Johnson – Owner Juniques Marketing*****Business option -(Get your Free Pre Enrollment Cellular Business Website, Earn money from Cell Phone Billing- www.juniques.net)*******Another benefit of starting a home based business is the knowledge you gain from building the business.A lot of emphasis is placed on making money from starting an online business.Well, for some, that is a result of building the business, for others, not so.Statistics show that for most, making money, especially a livable income, does not happen.Actually, most spend more money on their business endeavor then they earn from it.Here is what can happen for those who focus on learning how to build their business and learning about the industry they promote.You will gain valuable skills in the area of human resources, administrative processing, marketing and promotions, sales, group development, management and so much more.You can be very knowledgeable about your industry. Cosmetics, Electronics, Telecommunication, Nutrition, and the list continue.You may not become “money rich” with your on line business venture. A lot of factors affecting that outcome are out of your control. However, what is in your control is your learning attitude. You can become knowledgeable in business and industry principles and applications. That knowledge can be converted for use in the offline world (the one, which most people spend the majority of time in). You can enhance (and for some create) your professional and personal standing. Experience is Experience.Until our next communiqué. Have an Exceptionally Rewarding Networking Day.*****Business option -(Get your Free Pre Enrollment Cellular Business Website, Earn money from Cell Phone Billing- www.juniques.net)*******Networkingly yoursRickey
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