The Seven-Day Fiancial Makeover
Want a money makeover? Get a free financial plan worth thousands of pounds
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Promise: Imagine the relief, contentment, energy, and empowerment you'll feel a week from now. Why wait? This book will show you how to transform your financial future in seven days. The Seven-Day Financial Makeover is chock full of wisdom and advice and a fool-proof step-by-step approach that includes practical examples, transformational tips, action steps, and access to a treasure trove of online resources. Start today. Next week you'll be glad you did.riaderansinal.tk
The 7-Day Financial Makeover
Eric Hoogstra, Ph. In addition to his teaching, Eric owns or manages several companies in the financial, consulting, real estate, and manufacturing industries. Visit Seller's Storefront. Orders usually dispatched within two working days. The clubs can be 20 to 50 percent cheaper than regular grocery stores when it comes to products like condiments, coffee, bottled water, and canned beans and vegetables they're also, hands-down, the best place to shop for appliances, trash bags, aspirin, and best-selling books, among other things.
But don't neglect your supermarket entirely -- it will have better deals on items like produce, chips, and cookies. Cut heating and utility costs. The U. This past season, prices soared up to 45 percent, partly due to increased demand. Department of Energy's Web site. Go to Information for Consumers and click on "Your Home. By entering information about your house -- the year it was built, the number of windows, the type of heating system -- you'll generate tips for improving its energy efficiency.
The more specific you are, the more detailed the advice. You won't have time to fix all these things now, but you can print out a list and follow up this weekend. Scrutinize your wireless, long-distance, and Internet bills.
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If the cost of staying connected makes you want to become a hermit, scout for better rates at www. When you find a rate you like, call the provider directly. Both sites conduct background checks on companies listed. Savings vary, based on location and whether you want to go with a brand name.
Convert coins to cash, get a library card, and swap your gift cards. After a lunch break, get ready to take a walk or a drive.
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Gather up all your spare change and go to one of the free or cheap change-counting machines that are available in many grocery stores and banks for a nationwide listing, visit www. While you're out, sign up for a library card. Once you're back, hunt down any unused gift cards you have and go to www. Found money, varies by household. Liberate yourself from video- and DVD-rental late fees. But just as Emma Thompson came on the screen, the phone rang The next thing you knew, a week had gone by, you'd forgotten all about the movie, and the late fee was more than the cost of a new DVD.
If this sounds familiar, don't feel bad; you're in good if late company.
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So take three minutes -- literally -- and sign up at online movie rental sites such as Netflix, Blockbuster or Wal-Mart. Then take five minutes more to browse through their listings and create a rental queue. When you return one, the company will send you the next one from your queue. Each movie arrives in a prepaid envelope, which you reuse to return the DVD. And you'll never pay a late fee again. Analyze your attendance at the gym, the theater, and art museums. Let's face it: Sometimes your ambitions don't mesh with reality. You buy a pricey membership, then hardly use it.
Take the gym. In a three-year study, economists at the University of California at Berkeley and Stanford University combed through 8, gym-membership records in the Boston area and found that about 80 percent of the members with a monthly contract were paying significantly more than they would have if they had gone on a pay-per-use basis.
That's because the members had overestimated their gym usage and went fewer than five times a month, on average -- far less than they had initially projected. And that added up. Conversely, you may be overpaying for single visits to the local zoo, art museum, or aquarium if you go frequently and don't have a membership. Donate to charity. Rummage through your closets and bookshelves for clothing and household items you can donate.
If you're in the 15 percent tax bracket or lower, this may not be worth your trouble. You can find your tax bracket at www. Try to do this at least twice a year, and remember to get a receipt from the charity.
The Total Money Makeover
Lower your auto and homeowner's insurance rates. Number one way to reduce your rates? Insurers will also reduce your premium if you meet certain standards. Call your provider and ask about:.
Lesson 2: Start a debt snowball, beginning with your smallest debt.
While you have your provider on the phone, "ask for all the discounts they offer," suggests Ellie Kay, author of "A Woman's Guide to Family Finances. If you have a car-alarm system, are over age 50, or are a longtime customer, you can probably reduce your tab even further.
Combine your auto and homeowner's policy under the same company and you can save 5 to 10 percent. If these tactics won't work for you or you want to look for a better deal, investigate new policies at www.