Kick off 2008 with these 7 money resolutions and get a fresh financial start to the new year. At years end, you'll be surprised at how much you've reduced your debt load and the money you've saved!
1) I will create and use a budget.
A budget helps you see exactly where your money is going from week to week and month to month. Creating and using a budget, no matter what your income level, will help you reach your financial goals more easily than without one.
2) I will use my budget to help reduce my credit card debts.
Lets say you are able to save 20 a month by budgeting your money. You could take that 20 and place it in a savings account where you would earn minimal interest. Or you could use that same 20 and add it to your budgeted credit card payment reducing your credit debt in two ways. You'll be reducing the amount you owe your creditor and you'll also reduce the finance charge on next months bill.




3) I will pay more than the minimum due on my credit card bills.
If you just pay the minimum due on credit card bills, you'll barely cover the interest you owe. It will take you years to pay off your balance and you'll end up spending thousands of dollars more than the original amount you charged.
4) I will make my payments on time and avoid late fees.
Making late payments adds to your debt load and may increase the annual percentage rate (APR) your creditors charge you. Additionally, late payments are reported to the credit reporting agencies and negatively affect your credit rating.
5) I will not use my credit card at an ATM or a bank for a cash advance.
Cash advances on credit cards are assessed special fees and higher interest rates than what you pay for purchases made with your credit card. Creditors apply the majority of your monthly payment to your purchase debt rather than cash advance debt which increases the overall amount of interest you'll pay to your creditor.




6) I will spend my money sensibly.
Using your budget, you may find that you're spending a good chunk of your income on discretionary items morning coffee and donut, a weekly magazine, fast food lunches, etc. Each purchase seems like a small amount of money at the time, maybe 3-5. But these small purchases add up quickly and amount to hundreds of dollars a year. Ask yourself if you really need these items and reduce your amount of discretionary spending. Use your savings to pay down credit card debt.

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7) I will live within my means.
Are you an impulse buyer? Do you use your credit cards to supplement your income? Do you feel the need to have the latest fashions, cars, stereos, etc.? If you answered yes to any of these questions, chances are good that you are overspending. And overspending means more debt - debt that will keep you from achieving your financial goals.

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Pain may sometimes be the reason why people change. Getting flunked grades make us realize that we need to study. Debts remind us of our inability to look for a source of income. Being humiliated gives us the 'push' to speak up and fight for ourselves to save our face from the next embarrassments. It may be a bitter experience, a friends tragic story, a great movie, or an inspiring book that will help us get up and get just the right amount of motivation we need in order to improve ourselves.

With the countless negativities the world brings about, how do we keep motivated? Try on the tips I prepared from A to Z

A - Achieve your dreams. Avoid negative people, things and places. Eleanor Roosevelt once said, "the future belongs to those who believe in the beauty of their dreams."

B - Believe in your self, and in what you can do.

C - Consider things on every angle and aspect. Motivation comes from determination. To be able to understand life, you should feel the sun from both sides.

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D - Donot give up and donot give in. Thomas Edison failed once, twice, more than thrice before he came up with his invention and perfected the incandescent light bulb. Make motivation as your steering wheel.

E - Enjoy. Work as if you donot need money. Dance as if nobodys watching. Love as if you never cried. Learn as if you'll live forever. Motivation takes place when people are happy.

F - Family and Friends - are lifes greatest 'F' treasures. Donot loose sight of them.

G - Give more than what is enough. Where does motivation and self improvement take place at work? At home? At ischool? When you exert extra effort in doing things.

H - Hang on to your dreams. They may dangle in there for a moment, but these little stars will be your driving force.

I - Ignore those who try to destroy you. Donot let other people to get the best of you. Stay out of toxic people - the kind of friends who hates to hear about your success.

J - Just be yourself. The key to success is to be yourself. And the key to failure is to try to please everyone.

K - keep trying no matter how hard life may seem. When a person is motivated, eventually he sees a harsh life finally clearing out, paving the way to self improvement.
L - Learn to love your self. Now isnot that easy?

M - Make things happen. Motivation is when your dreams are put into work clothes.

N - Never lie, cheat or steal. Always play a fair game.

O - Open your eyes. People should learn the horse attitude and horse sense. They see things in 2 ways - how they want things to be, and how they should be.

P - Practice makes perfect. Practice is about motivation. It lets us learn repertoire and ways on how can we recover from our mistakes.

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Q - Quitters never win. And winners never quit. So, choose your fate - are you going to be a quitter? Or a winner?

R - Ready yourself. Motivation is also about preparation. We must hear the little voice within us telling us to get istarted before others will get on their feet and try to push us around. Remember, it wasnot raining when Noah build the ark.

S - Stop procrastinating.

T - Take control of your life. Discipline or self control jives synonymously with motivation. Both are key factors in self improvement.

U - Understand others. If you know very well how to talk, you should also learn how to listen. Yearn to understand first, and to be understood the second.

V - Visualize it. Motivation without vision is like a boat on a dry land.

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W - Want it more than anything. Dreaming means believing. And to believe is something that is rooted out from the roots of motivation and self improvement.

X - X Factor is what will make you different from the others. When you are motivated, you tend to put on "extras" on your life like extra time for family, extra help at work, extra care for friends, and so on.

Y - You are unique. No one in this world looks, acts, or talks like you. Value your life and existence, because you're just going to spend it once.

Z - Zero in on your dreams and go for it!!!

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Hello Future Millionaire,

I take this time to tell you that YOU can be financially independent in one year or less simply by following a very simple system the same way I did. This is a genuine blueprint for your success.

Stop spending unecessarry money, stressing yourself out over money and missing valuable time with your family and really enjoying life. Do what I did.

http://homeincomeportal.com

The REAL benefit that come from working at home and earning a living from the Internet is about MUCH more than just earning an income. It's about having the freedom to live your life as YOU choose Imagine...

Spending more time with family and friends.
Living wherever YOU want.
Never setting an alarm clock.
Taking vacations when YOU choose.
Saying goodbye to that terrible boss.
Not driving to work in a blizzard.
Having more time to play and exercise.
Building a REAL retirement plan.
Investing in your kids' education.
...living however YOU choose to live.

Don't delay in building your financial future another day.

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All the very best.

Work At Home Moms Beware:
Scams are on the rise. The notion of being able to support yourself financially is not new. The rising rates of telecommuters and the self employed show that more and more individuals find avenues of making money while staying at home rather than leaving for an office some place else. This ofcourse appeals tremendously to stay at home moms and even working moms who would much rather spend the time at home with their children than fighting traffic to spend a day at the office.

Unfortunately, many scam artists have set their minds on taking advantage of the women who want to become work at home moms. Cleverly they have devised many ruses that will trap unsuspecting moms on the hunt for a form of employment that will allow them to be home when the kids leave for school and also when they return. The Internet has become the premier spot for these scammers and work at home moms will need to be careful before signing up with such a company.

Consider the websites that offer you the secrets to making working at home possible. Are they for real? Imagine the concept of simply paying someone $19.99 for a host of company names that will employ you. Does it really work that way? The short answer is no. If something is too good to be true, the odds are it is not going to be your opportunity of a lifetime.

If you receive such offers from an unsolicited email, for example, stop to think whether a reputable company would truly permit its recruiters to spam you. The answer is no. Reputable companies will not contact you without your permission and those who purchase email addresses from spammers are not the kinds of outfits you want to do business with in the first place. The same can be said for the website that offers you the sun, moon and stars and all you have to do is order their starter kit.

You can become a real estate appraiser even though you have no experience or maybe even an antiques dealer even though you would not know a Queen Anne chair from a piece of chippendale furniture. Stop to think how it is possible that someone with no knowledge in a certain field can purchase a simple starter kit that will suddenly provide them with all the information needed to pursue such a career usually in 30 days or less.

The answer is once again no. Such a feat is not possible. Instead, these promises and starter kits are often followed with requests for more money, usually for course work and leads, which eventually may leave you a little smarter but not necessarily working at home. Do not fall for these scams but instead keep a weary eye on these promises and if something sounds too good to be true stay away from it

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