Guide to Financial Independence

Were you ever shown a guide to financial independence in school? Why is it that schools insist on educating us about things we do not actually need? When did you last need to understand about when Columbus landed in the Americas or plants photosynthesis? I’m not saying that these aren’t fascinating and useful pieces of info, but compared to our financial futures rather trivial.

I ‘ve done lots of research on the area over recent years and have put together this guide to financial independence. I live by the principles in this guide on a daily basis and the results have been phenomenal.

The first phase of the guide would be to establish targets. It isn’t good enough to simply say you need to be free, it is overly equivocal. Individuals fail in life because they do not understand precisely what they need to do, have or be with their life. They might say that they would like to live in a big fancy house etc or want to make a fortune, but the truth is they do not actually understand what they need. These are only day dreams they are not clear aims. Take out some paper and a pencil and begin to take into consideration what you actually need from life; be unique

Record down every detail and contain all your perceptions, for example, it is no good to say “I ‘d enjoy a fresh house” What kind of house? How many bedrooms and bathrooms? In which place is this house? What colour is the house? Picture walking through the house? How does it feel to possess the house? When you call for all your senses does a dream become a fervent desire

Why do you should make a list of targets? When you’ve arrived easy: If you do not understand where you’re going, how do you understand? Can you strive for something if you do not understand for what?

The second procedure in the guide to financial independence will be to learn the best way to earn money. Learn about the various approaches and strategies that are different that there are to generate income. There are proven strategies that one may use to reach your financial goals.

Begin a home-based company. The largest issue with being an employee is that you trade time for money, and we have 24 hours per day. Another huge issue with being an employee is that you do not get paid your total value, because your firm has to make a profit from you you can not get paid your total value, or they’ll go out of business. Begin a home-based business and bring in 100% from your attempts and better still, learn to leverage off other people – a superb example of this is Network Marketing.

The next step would be to clear your bad debts. This can and should be done in conjunction with the first two procedures preceding. Set aside money every single month. There’s a difference between bad and great debt. Great debt makes you cash, bad debt costs you cash. An example of great debt might be a purchase-to-let mortgage on a rental property with a tenant paying the mortgage off. Bad debts are credit cards, car loans, personal loans etc. Invent a strategy to clear these debts. If you continue to fork out on high-interest rates each month you are going to never have financial independence. Save as you pay of your debts, do not only spend the excessive cash on gadgets.

This brings me neatly on to the last measure in the guide to financial independence – Save. Set aside money monthly for in case of an emergency. I like to call it the crisis fund. This isn’t currently drinking cash or cash to purchase shoes that are new, this is for when the car breaks down and you want it repaired, or if you lose your job and want cash to live off.

It’s also advantageous to set aside cash for the function of future investments. If you do it this way you giving your cash an opportunity to work for you instead of you constantly having to work for cash.

In conclusion, the preceding is only a guide to help you to get started. Before you realise your greatest vision of becoming free each of the preceding procedures will need additional research and hard work, but if there’s just one thing you do, never give up.

Saving Money In The Christmas Season

Saving Money In The Christmas Season

We look forward to Christmas for many reasons, the most important of which is getting together with family. While the flurry and expense of giving gifts can be overwhelming, there are many ways to make our shopping easier. We can also save money on our purchases with a little bit of clever bargain shopping. Whether we send food, clothing, household items, or gift cards, our purchases can be exactly what they wanted. Here are some pointers that will save money in the Christmas Season.

Christmas Hamper


Who on your list could use a Christmas Hamper? When you stop to think about it, there are probably a lot of people who would consider this a great gift. Think about all of the non-perishable food they are receiving, and you’ll start to get ideas.

Think about that young, upwardly mobile, still single career builder. They are notorious for seldom having anything more than a ½ bottle of ketchup and a stale loaf of bread in their refrigerator. If you are concerned about their protein intake, send a hamper full of assorted nuts and dried fruits.

Elderly people who live alone and who do not cook for themselves can often enjoy fruit and meat baskets. The assortment of in-season fresh fruits, along with packaged meats can be the best gift of the season. They seldom want additional chachkis around the house, but really appreciate flavorful foods that require no preparation.


College students often swarm the dorm room or apartment of classmates who receive a Christmas hamper. Increase your child’s popularity with a generous meat, cracker, and cheese platter that will get them through finals.

Help out the entertainer with a hamper full of dipped strawberries and cherries. This gourmet treat will help the to dress up their hors d’oeuvre table. What better hostess gift than a delicious, beautiful addition to their party?

Your customers will appreciate a gift basket with assorted sweets. It’s a great way to show appreciation for their patronage. So many customers give and give without realizing just how much we value their business. This is a great way to let them know.

Send your favorite staff a hamper, and watch the excitement. Whether it is the staff at your doctor’s office or your own staff at work, the break room will be a much happier place with a hamper full of a variety of snacks.


In most cases, you won’t have to worry about shipping with purchases over a certain amount. Whether you are buying a food hamper or something else, many businesses will pay the shipping once the order reaches a certain amount. This is a great benefit to look for when you are choosing a gift. Even small to medium businesses will pay the shipping under these circumstances. Check to see which delivery methods the company uses to see if they will work for your intended recipient. Then, sit back and enjoy the gratitude!