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Getting Help In Stressful Economic Times

Debt levels are hovering at all time highs and many are feeling overwhelmed by their dire situations. People are becoming unemployed daily, putting food on the table is a struggle and paying the rent or mortgage is near impossible. It is therefore refreshing and comforting to know that using the Internet can provide much help, much of it free tips and information.
Fundamentally the first thing that needs to be done is a review of the state of your affairs. It may seem tedious and time consuming to some, too simple for others but without this review you will not be able to make well thought through decisions on how to reduce debt.

Calculate your incomings vs your outgoings. Obviously if outgoings is greater than incomings, you are going to struggle. But many people are living for the moment, using plastic where possible to delay the inevitable repayments. If you are in the position of greater incomings than outgoings, you probably don’t need to read this article. However if you in the reverse position, it is imperative for you to consolidate your debts and pay them off to one lender. It will reduce the fees from multiple financial businesses and thus save you money.

Once you do your review, you may want to consider supplementing your income with a side income to assist with any debt issues you may have. It doesn’t have to be millions (though that would be helpful), but every extra dollar earned can go towards reducing debt. You do not want to have the stigma of being bankrupt hanging over your head. Whilst it may not mean anything legally, for your own personal well-being, it is best if you can avoid declaring bankruptcy at all costs. One such way of making a side income is to join survey sites. Research companies are willing to pay for your opinion because your opinion assists the selling of their services in the future. FreeStuff4Free.com are currently promoting a number of survey site offers on their money page. Whilst they specialise in cheabies they have offers to help you out with you financial situation. These offers are completely obligation free and so no action needs to be taken if you are feeling uneasy.

There are several on FreeStuff4Free’s money page. One of the best sites is Nielsen Home Scanner. Earn valuable gift points, which are redeemable for electronics, household items, jewelry, toys and more just by giving your opinions. The best thing is that you can join for free.

In the end however, knowledge is king. If you have a wealth of knowledge you are able to develop strategies that adapt to the ever changing environment in which we strive to live. Check out FreeStuff4Free’s magazine page and grab free trade publications on business and finance. Understand the market and take advantage of current climates to have an edge over the majority when the next bull run begins. The money page at Freestuff4free contains free CDs that you can access more invaluable information on making yourself debt free.

Try it. You have nothing to lose and everything to gain.

More about FreeStuff4Free
FreeStuff4Free is a website that specialises in finding freebies. The site is visually compelling and easier to navigate than text based free sites. The site is updated daily and dead links removed regularly. There are no scams and all freebies are 100% legitimate.

Tags: Free Stuff
Posted in Budgeting · March 25th, 2010 · Comments (0)

The Issues Of The Frugal Life

First of all, in order to talk about how “dangerous” the frugal life can be, we have to define the word frugal. Now frugal means, “Practing economy, living without waste or being thrifty.” It also means, “Meager or not costly.”

So, frugality doesn’t necessarily mean budgeting, penny-pinching or finding whatever means possible to save a dollar. Basically, living frugal just means being smart with your money as opposed to being stupid with it. And those two definitions are not the same. Being smart is never a bad thing. As a matter of fact, if you desire to achieve wealth, frugality is a necessity. Being stupid with your money is just plain foolish because a fool and his money will always part!

So then, why are we talking about the danger of frugality? What could possibly be problematic about being prudent with your money? Well, consider the following info. Frugality to your personal finance budget is like drinking water is to your health. Drinking water can greatly improve your health. Drinking it is paramount for your wealth being. You can’t survive without it. But on the other hand, if you drink too much of it, it will take you out!

The point is, frugality is a necessary and beautiful thing. But it can be addictive (even to the point of being out of control), and if you overdo it, it can destroy your financial situation. With that being said, I know that this does not describe most persons, but it has to be talked about because it can be a road block for a person reaching wealth.

Now, if you’ve ever bought a bottle of caffeine pills you will know that it says on the label, “This should not be used in the place of sleep!” Living frugal should also have a label on it. It could say, “This is never to be used in the place of building wealth!”

Now let’s say that your heating bill is really high. Now, there are 2 ways to deal with this. You can figure out how to lower your bill… or you can just build more wealth and then you won’t have to worry about the cost of the electric bill! Now I know that no matter how wealthy you are, you should never be spending outrageous amounts of money on anything that you don’t have to, but spending 100 percent of your time trying to figure out how to save money and zero percent trying to figure out how to make some is just as crazy.

You see, we have to be balanced in our approach to things. Now there are people out there who make a lot of money, live alone and can hardly keep their lights on. They make more money than most people but struggle more than most people. These types of people will never be wealthy because all of the cash they make they spend it all. One the other hand, there is another breed of people who have gotten PhD’s in living frugal and never once considered how to attract more money. They won’t be wealthy either! At the end of the day, you have to make money to be rich.

To read the rest of this piece, you can go to, “The Problems with living frugal.” You can also subscribe to the monthly newsletter and get wonderful information on building wealth.

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Tags: frugality
Posted in Budgeting · March 25th, 2010 · Comments (0)