“Make Your Money Talk!”

Do you often feel like you’ll never see the light at the end of the tunnel when it comes to paying off your debts? Use these calculators to determine how long it will take you to pay off your credit card balances. Even more frightening…..See how much you’ll pay in interest by only making the minimum monthly payments.

http://cgi.money.cnn.com/tools/debtplanner/debtplanner.jsp
http://www.genus.org/scripts/calculators.pl?function=credit_card

By just adding a few dollars to the required minimum each month, you can greatly decrease your time in debt & even start to save… and you’ll be singing just like the tv ad jingle “Oh What A Feeling!”

Tip: To see results quicker, especially if you have more than one credit card I’d concentrate any extra payments on the one with the smallest balance debt. You can achieve results with focus & determination..Believe you can do it… because you can!!

America’s Cheapest Family written by Steve & Annette Economides Gets You Right on the Money: Your Guide to Living Better, Spending Less, and Cashing in on Your Dreams.

So if your credit card is screaming out for relief their revolutionary system America’s Cheapest Family will teach you hundreds of ways to save money on everyday household expenses.

Taking control of your finances today will stop them taking control of you!

To get ahead with your finances it’s necessary to Take Back Control Yourselves… Get back in the driving seat & know which direction your travelling in to secure your financial future!

This video explains how to objectively see where you are at with your finances……

[youtube=http://www.youtube.com/watch?v=7FiO8ayFQ8g]Take back control of your finances…Today!

Being a student it can be hard enough finding the money to pay the bills.. let alone for computer equipment to help with your studies. So what are the alternatives to spending long hours and late nights at university libraries using their Microsoft Office programs for your assignments.

This student enquired through his Information Technology Service at university (Australia). He was able to pick up the new trial version of Microsoft Office for free. This allows you to then buy the full version for $75 instead of the $244 academic version – a HUGE saving!

Just imagine! From then on, he was also able to save so much time by studying at home AND an extra $30 a week on transport ($15 petrol per week and $15 parking per week as there is no public transport where I live) by not having to travel so often to University to complete his work!

So… If you’re a student I’d be asking your Information Technology Service at your university if this can also apply to you……Helping you make better use of your time and savings!

How To Make Money Work For You

Over the last few months I’ve seen an ad on tv about the Understanding Money Booklet but has yet to pick one up.

Luckily… while in the library the other day I picked up a free copy.

In the Introduction Paul Clitheroe states he is often asked “What is the secret to being good with money?”… Paul says Understanding money means understanding how much money you have and where it goes. It means being in a position to make the most of what you’ve got. And it means protecting what’s yours.

No matter who you are or what you earn, it’s easier than you think to take control of your money. Start taking action today!

To get your free copy of Understanding Money… You should be able to pick up a copy at your local library like I did or visit http://www.australia.gov.au/understandingmoney

Copies of the handbook are also available in Arabic, Chinese, Greek, Italian, Korean, Spanish and Vietnamese. These can be downloaded to your computer or order the free book to be mailed to you.

Remember, it’s your money, and learning how to make the most of it can really pay off. Put Yourself In Charge.

Memory Triggers Help Keep Savings In Your Pocket

And you may ask yourself…What are Memory Triggers? Memory Triggers are bright red stickers!What difference could putting little red stickers around the house make to you? The reason they are so vital is that a marketer’s ultimate goal is to get you to reach for your wallet and give them money without you thinking about it.

If you ‘re wanting to win the consumer game, you need to have something in between you and the marketers to protect yourself and your wallet. You need a visual barrier – something to remind you to stop and think before you hand over the cash.

The ‘Memory Triggers’ that you put on your shopping list or in your wallet are a constant warning to keep on guard and to always follow the Eight Steps.

The Eight Steps are:-
Step 1. Guard your wallet
Step 2. Are you hungry?
Step 3. What else could you buy?
Step 4. Is it worth the bother?
Step 5. What will you gain?
Step 6. What will you lose?
Step 7. What is the smartest way?
Step 8. Do you have spare cash?

The stickers really help with Step 1 of the Eight Steps by reminding you to ‘Guard your Wallet’. Step 1 is the most important of all the steps, because without it you will never make it to Step 2, 3, 4 and so on.

The stickers are bright red so they jump out at you and remind you to be alert. It’s a warning that if you don’t start thinking soon, you are not going to like your life or the consequences in a few years time. Follow the Eight Steps to avoid very costly purchasing errors. Keep savings in your pocket!
==> Learn More

Many of us would love to own an iPod – we just don’t want to pay the price!You can save as much as 63% on paying full retail price by purchasing direct from the Apple website (www.apple.com/au). Simply click on ‘Store’, find ‘Special Deals’ in the left hand column and click on ‘Refurbished iPod’. All items usually come with full 12 month warranties, free postage and prompt delivery.

Note: The Apple Store says that while refurbished stock is available all year round, the range of products and quantities available vary from week to week. So if you miss out on your product this time, try again in a week or two.

Learn More Great Savings Ideas ==> Click Here

Water Saving Rebates & Offers

Rainwater Tank Rebates
Sydney Water has a Rainwater Tank Rebate Program offering customers up to $800 to install a rainwater tank. A special Rainwater Tanks in Schools Rebate Program is also available for schools.

Washing Machine Rebates
A rebate of $150 is available to customers who purchase a new washing machine with a water efficiency rating of 4-star1 or AAAAA. The rebate offer commenced on 1 March 2006 and will run until 31 July 2008. 4-star1 or AAAAA water efficient washing machines save more than 21,000 litres of water a year compared to older machines. The rebate offer could help to save one million litres a day.

These are some of the many ways the NSW Government is helping you to help secure Sydney’s water for life by saving water in and around your home. To find out more and to take advantage of rebates and offers visit the website links above. Please read all information to qualify for rebates & expiry dates of offers.

Save Water, Save Money, Save the Environment!

Why throw your old cards… which are often beautiful… in the recycling bin… when you can create beautiful and creative gift tags or xmas cards for another year of enjoyment.

Have you ever thought of cutting out the picture with decorative edged scissors & placing them on another card? Add some glitter, a piece of ribbon & you have created a gorgeous new hand made card!!

For the cards that have a paper insert this is even easier. Remove the insert & make another one to glue in with your own special message written on it…. or if you’re really clever you can type it on the computer in your special font.

Enjoy the Festive Season!

“It’s All About You and Money” program.

In the past David has been offering everyone the opportunity to take control of their finances and begin the journey to a wealthier life.

This new program is all about having someone hold your hand and guide you while you get started. An opportunity to make a change.

These are what others are saying about this amazing new program….

I would have to say this was the most enlightening and inspirational.. Apart from what was to be learnt, I must say that through the couple of years I have had contact with you, you always leave me with a sense of trust and genuine caring for a fellow human being without any pretence or ulterior motive.

Your workshop was very inspirational and I would highly recommend it to anyone even remotely interested in improving their financial future…whatever that may entail…..Take control of your finances and begin the journey to a wealthier life.

To Learn More about the “It’s All About You and Money” program.
See Link titled ‘The Program’