Monday, December 17, 2007

Money Talks

Money Talks

Money Saving Motivation and Tips

If you have a hard time finding the motivation to start saving money, consider challenging yourself to tuck away what you save. It can be very motivating to watch your money grow. Set up a special savings account to make weekly deposits of what you have saved from your money saving efforts. If in one week you bought yourself an outfit at a thrift store for $10 that would cost $30 at a retail store, put the $20 you saved into your savings account. You may need to keep record in a notebook of what you saved before making your deposit so you won't forget. With that thought, just keeping record of what you save can be motivation enough to start saving money. If you look at it like a job, maybe you'll be more likely to put effort into it. Here are a few of my favorite ways to save money.

Save Money On Clothes

When it comes to clothes, I shop at thrift stores and yard sales. I have found the best deals at yard sales but sometimes it can be hard to find the size you're looking for. A lot of times I find clothing for 25 cents each and sometimes they‘ll let you fill a bag for a dollar! The thrift stores charge a bit more, but all are usually at least 30% less than retail. I like to go to thrift stores on their sale days (such as 50% off day) to save even more.

Ways to Save Money On Food

I try to buy only sale items and shop at discounted food stores. Each week when I receive the grocery ads, I go through them to see if there are any good buys. When I find a great deal, I buy as many of the item as our budget will allow and stock up on it even if I already have some. This method not only saves us money but it ensures we always have food on hand.

Another way to save money on food is to use all your leftovers. I have improved my efforts of using leftovers by planning. For example, if I make a large pot roast, I plan on making roast and vegetables the first night, hot roast beef sandwiches the second night, and BBQ beef the third. If I plan, it gets used. If I don't plan, it doesn't always get used. The ‘Leftover Recipe E-book’ has many recipes for using leftovers; for information, click here: _ (

Make Your Own All-Purpose Cleaner

I have found ammonia to be a great general household cleaner and it is very inexpensive! It cuts through grease and makes everything shine. I buy the 64 oz. size ammonia for around a dollar at the grocery store. To make the cleaner, put 1/4 cup of ammonia into a cleaned out spray bottle, add a drop or two of dish soap, about 20 drops of essential or aroma oil for a nice scent, and fill the bottle the rest of the way with water. For more cleaner recipes, see the ‘Homemade Household Cleaners’ e-book here: _ (

Save Money On The Christmas Tree

I purchased an imitation Christmas tree for 33% off a few days before Christmas one year. We'll miss the wonderful pine aroma, but we'll be saving a lot of money at Christmas time (when we need it most) and we'll have a tree right in our garage rather than having to pick one up in a crowded parking lot.

Save Money Decorating Your Home

When decorating, you can save money and enjoy a wider variety of unique items if you shop thrift stores and yard sales. Decor items from retail stores can cost an arm and a leg. Silk floral arrangements, curtains, pictures, picture frames, throw rugs, throws, pretty sheets, material, and more can be found at thrift stores for a fraction of retail prices. Look for items that match your decor and if they are inexpensive enough, buy them. Keep in mind you can always fix things up with a little paint, ribbons, or glue.

For more money saving tips, check out The Big E-book of Frugal Tips: _ ( and the e-book 'Fantastic Frugal Grocery Tips: _ ( Get Monica's FREE weekly e-zine for homemakers! To subscribe, just send a blank e-mail to: (mailto:

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Money Talks

Money Talks

3 Steps to Make Money Online and Work From Home

There are 3 steps to make money online and work from home. None of these steps require that you sell or promote anything. This is not affiliate marketing, paid surveys, AdSense or AdWords or any of the things many marketers tell you, you need to do.

The 3 steps to making money online are quite simple. The steps are motivation, belief, and staying focused. Combine all three of these and you will make money. It is a lot harder than it sounds.

Staying Focused

When you are working from home on the internet it is so easy to get distracted from the actual business of making money. There are people trying to get your attention at every turn. Everyone has some earth shattering information that they are going to try to convince you that you absolutely need to make money on the internet.

Those so called Internet gurus are some of the best salespeople. They have some of the top copy writers that know exactly how to grab you and convince you that you need what it is they are selling in order to make money online.

Especially now with the Web 2.0, social networking is huge on the Internet right now. You start getting involved in these social sites and before you know it you are off in a totally different direction than when you started.

Do not believe that all those people are really making the kinds of money they are claiming. If they were truly as wealthy as they claim, do you think that they would be hanging around on the internet everyday trying to get you to buy from them?

Stay focused on what you are doing and disregards all the noise coming in. Find a mentor you can trust and follow them. There are many people that will help you out for free. Do not buy those big launch programs promising you dollars falling from the sky.

Believe In Yourself

Trust me when I say that many people are going to try and dissuade you from making a full time living off the Internet. You have to constantly tell yourself if you stay the course you will succeed.

Unlike a normal job, you will not have a boss or co-worker telling you how well you are doing. Until people start to follow you around and start listening to what you are saying, you are the only one who can gauge your progress. Perhaps when you start to make money online you will start believing in ability as an online entrepreneur.

Until you can see that you are reaching your goals, whether it is monetary or personal, believe that you are growing toward your goal. Your belief in yourself is going to carry you when there is little to stand on. You will eventually hit your target as long as you believe you will.

Stay Motivated

When you first start out to make money online, find what is motivating you to do so. Are you looking for financial freedom? Are you trying to bring in extra income to take your family on vacation? Are you looking to supplement your income or be a stay at home mom?

Find deep in yourself your true reason for wanting to make money online. This will keep you motivated.

I started to make money online because I had lost a job due to downsizing and need to replace my income. In a climate of many jobs moving out of our area the Internet seemed like the perfect place to make money.

I was fortunate to be able to replace my income. But as time went on circumstances changed and I found new ways to be motivated to make money online. I found I needed to make more money so I had to grow into other areas of Internet businesses. Once you hit one goal raise the bar and you will grow financially and personally. The sky is the limit on the Internet.
This is why the heading is 3 steps to make money online. Without these core steps it is almost a guarantee for failure. You need to possess all 3 steps to succeed in an Internet income. Stay the course with these 3 steps and you will achieve your goals to make money online and work from home.

Denise Nuttall's blog at is to help other people make money online and work from home. Make Money Online Info covers many aspects of Internet income.

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