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Casual Articles - Frugal Living (part 1): Live Better on Less and Save $1000's Now!
Outsourcing to ChinaWith many people in China willing to work for $5.00 per day or less you can imagine the benefits to a company, which has a product that can be built over seas. The increase in profits is astronomical, as you have basically eliminated your most expensive costs; labor.Sure there are issues with time delays due to shipping and you need to get the materials too them as well, but as the economies of scale go up or the number of units to be produced the cost drops like a boulder onto a two-lane mountain highway. These efficiencies are what business is all about.It is predicted of course as China comes up in the world so will the cost of living, hool with packed lunches instead of having school meals. A healthy lunch box can be put together for less than 50p per child. A wholemeal bread sandwich, drink of squash and a piece of fruit will do fine…… ?40 saved per month!Same for the adults. Whats wrong with bringing sandwiches to work or a homemade pasta salad? Mr X’s lunch and drinks cost him ?3 daily and Mrs X’s micro-wave meal is ?2. Homemade sandwiches will only cost about 50p and a pasta salad or some leftovers to heat up even less!!…….?80 saved per month!Why not cut down on sweets, crisps and biscuits for the children. Better still why not cut them out all together during the week and just allow some at weekends? May sound harsh but its not really…..you are doing them a favour! Kids are always starving when they come in from school so why not have a plateful of healthy snacks they can nibble on to stop them moaning!!!! That will keep them quiet while you prepare a frugal meal from Is a Structured Settlement Reverse Mortgage Right For You?One of the ways to create a steady supply of income in selected situations is to enter into a structured settlement reverse mortgage. This is primarily an option for persons who own property that is paid off. However, if someone owns a home that has accrued a large amount of equity, there are those who will be happy to extend this type of arrangement to the homeowner. But the question remains, is this a good idea and who would benefit from this sort of arrangement?One sector of the population that could benefit from a reverse mortgage structured settlement would be persons of retirement age that also happen to be property owners. Because this ar Mention ‘frugal living’ to someone and they may well automatically think of misery and deprivation. How wrong they are! Frugal living is a choice many people make for a number of unique reasons but ultimately leads to a way of ‘living better for less’. This article will guide you through those first steps to start spending less!We are bombarded daily with media images of how we should be buying this, wearing that and driving the other to fit into a category that most people think is ‘normal’. There is an awful lot of pressure, especially for parents with children, to conform to this ‘norm’ and buy those expensive trainers or feed our children with the latest brightly packaged ‘c-rap’. Before long you’ll be getting by with ‘a little help from your friends’ (the little plastic friend that fits conveniently in your pocket and lets you borrow as much as you want as long as you pay it back with interest!) on a regular basis just to fund your ‘normal’ life. But this is just one of the reasons why we may decide to live more frugally. Below you will find some of the main reasons that people will try and live more ‘better for less’… Financial crisis…you maybe finding it hard to make ends meet or your income has suddenly been reduced.Saving for something special…perhaps you would like to visit your brother in Australia or want to take the family on holiday without having to pay for it with credit cards.You are annoyed with force fed media rubbish telling us to spend…without realising it, we are constantly bombarded with media hype to buy the latest clothes, gadgets, cars and processed foods for our kids and ourselves. You are fed up with it!You are trying to get rid of credit card/ loan debt and start to put money by…you want to improve your financial situation as you hate being being held accountable to finance companies.Health & Diet…you start introducing good, healthy nutritious food into the families diet and dispense with expensive, unhealthy, processed foods. You’ll begin to feel better, loose weight and find more money in your pocket!Work…you may work long hours and want to spend more time with your family. Perhaps you are in the situation where both parents have to work long hours, have to rely on a lot of childcare and desperately wish you weren’t working everyday to be with them more. This can be achieved !Start off by making small changes So you want to make some fundamental changes but where do you start? You will find that as you journey along the ‘Frugal Super Highway’ that it will be the lots of little and seemingly insignificant changes you make that will add up and save you ? ‘s and $’s. There are so many ways of saving money that may, to others, be ‘no great shakes’ but by the end of the year you will be astounded what you have saved. Some of these suggestions may seem silly or even ludicrous but just give them a go and you won’t think them so daft at the end of the year when you’ve saved a whole lot of dosh! Here is an example... Get rid of quick meals and processed foods and cook from scratch…..save ?100 + every month!...Where do I start! Take an average family of two adults and two children. The kids start the day with brand name breakfast cereals, have school lunches, have sweets after school, have a burger when they get home and then some biscuits at bed time. The adults eat the cereals too, mum takes a ready meal to work that you can pop in the micro-wave and Dad buys his sandwiches and drinks from the machine. Make these simple changes and you’ll save ?’s and be healthier! Get rid of brand name breakfast cereals. Buy larger packs of shops own and try and go for healthier options such as porridge, wheatabix or branflakes…..?10 saved per month!Send the children to school with packed lunches instead of having school meals. A healthy lunch box can be put together for less than 50p per child. A wholemeal bread sandwich, drink of squash and a piece of fruit will do fine……?40 saved per month!Same for the adults. Whats wrong with bringing sandwiches to work or a homemade pasta salad? Mr X’s lunch and drinks cost him ?3 daily and Mrs X’s micro-wave meal is ?2. Homemade sandwiches will only cost about 50p and a pasta salad or some leftovers to heat up even less!!…….?80 saved per month!Why not cut down on sweets, crisps and biscuits for the children. Better still why not cut them out all together during the week and just allow some at weekends? May sound harsh but its not really…..you are doing them a favour! Kids are always starving when they come in from school so why not have a plateful of healthy snacks they can nibble on to stop them moaning!!!! That will keep them quiet while you prepare a frugal meal from The Importance of Auto-Responders to an Internet MarketerIt is hard to come across an article about internet marketing that does not stress the importance of your email list. Time after time you hear the experienced marketers saying, "The money is in the list". I have found this to be true in most cases.The list they are referring to is not just a list of names and emails. It is a list of names and emails that are interested in what you have to offer. It is important that you build your list the right way from the start. There are several programs that can help you manage your list very easily for a relatively small amount of money. I will leave the program selection up to you but, you will need e of the reasons why we may decide to live more frugally.Below you will find some of the main reasons that people will try and live more ‘better for less’… Financial crisis…you maybe finding it hard to make ends meet or your income has suddenly been reduced.Saving for something special…perhaps you would like to visit your brother in Australia or want to take the family on holiday without having to pay for it with credit cards.You are annoyed with force fed media rubbish telling us to spend…without realising it, we are constantly bombarded with media hype to buy the latest clothes, gadgets, cars and processed foods for our kids and ourselves. You are fed up with it!You are trying to get rid of credit card/ loan debt and start to put money by…you want to improve your financial situation as you hate being being held accountable to finance companies.Health & Diet…you start introducing good, healthy nutritious food into the families diet and dispense with expensive, unhealthy, processed foods. You’ll begin to feel better, loose weight and find more money in your pocket!Work…you may work long hours and want to spend more time with your family. Perhaps you are in the situation where both parents have to work long hours, have to rely on a lot of childcare and desperately wish you weren’t working everyday to be with them more. This can be achieved !Start off by making small changes So you want to make some fundamental changes but where do you start? You will find that as you journey along the ‘Frugal Super Highway’ that it will be the lots of little and seemingly insignificant changes you make that will add up and save you ? ‘s and $’s. There are so many ways of saving money that may, to others, be ‘no great shakes’ but by the end of the year you will be astounded what you have saved. Some of these suggestions may seem silly or even ludicrous but just give them a go and you won’t think them so daft at the end of the year when you’ve saved a whole lot of dosh! Here is an example... Get rid of quick meals and processed foods and cook from scratch…..save ?100 + every month!...Where do I start! Take an average family of two adults and two children. The kids start the day with brand name breakfast cereals, have school lunches, have sweets after school, have a burger when they get home and then some biscuits at bed time. The adults eat the cereals too, mum takes a ready meal to work that you can pop in the micro-wave and Dad buys his sandwiches and drinks from the machine. Make these simple changes and you’ll save ?’s and be healthier! Get rid of brand name breakfast cereals. Buy larger packs of shops own and try and go for healthier options such as porridge, wheatabix or branflakes…..?10 saved per month!Send the children to school with packed lunches instead of having school meals. A healthy lunch box can be put together for less than 50p per child. A wholemeal bread sandwich, drink of squash and a piece of fruit will do fine……?40 saved per month!Same for the adults. Whats wrong with bringing sandwiches to work or a homemade pasta salad? Mr X’s lunch and drinks cost him ?3 daily and Mrs X’s micro-wave meal is ?2. Homemade sandwiches will only cost about 50p and a pasta salad or some leftovers to heat up even less!!…….?80 saved per month!Why not cut down on sweets, crisps and biscuits for the children. Better still why not cut them out all together during the week and just allow some at weekends? May sound harsh but its not really…..you are doing them a favour! Kids are always starving when they come in from school so why not have a plateful of healthy snacks they can nibble on to stop them moaning!!!! That will keep them quiet while you prepare a frugal meal from How to Generate Purchase Mortgage Leads Using Free ReportsHow to Generate Purchase Mortgage Leads Using Free ReportsOver the last few months, one question I'm often asked is..."How can I attract purchase money prospects without involving local Realtors/Agents in the referrals process." Let's face it, as mortgage rates move around and the refinance applications continue to decline, a solid system for generating purchase leads is a must to ensure your survival.The following system can generate a huge number of qualified mortgage leads for you. There's no begging for leads involved plus, delivering donuts and rate sheets are not a requirement. What is required to implement the system is some initiat od, healthy nutritious food into the families diet and dispense with expensive, unhealthy, processed foods. You’ll begin to feel better, loose weight and find more money in your pocket!Work…you may work long hours and want to spend more time with your family. Perhaps you are in the situation where both parents have to work long hours, have to rely on a lot of childcare and desperately wish you weren’t working everyday to be with them more. This can be achieved !Start off by making small changes So you want to make some fundamental changes but where do you start? You will find that as you journey along the ‘Frugal Super Highway’ that it will be the lots of little and seemingly insignificant changes you make that will add up and save you ? ‘s and $’s. There are so many ways of saving money that may, to others, be ‘no great shakes’ but by the end of the year you will be astounded what you have saved. Some of these suggestions may seem silly or even ludicrous but just give them a go and you won’t think them so daft at the end of the year when you’ve saved a whole lot of dosh! Here is an example... Get rid of quick meals and processed foods and cook from scratch…..save ?100 + every month!...Where do I start! Take an average family of two adults and two children. The kids start the day with brand name breakfast cereals, have school lunches, have sweets after school, have a burger when they get home and then some biscuits at bed time. The adults eat the cereals too, mum takes a ready meal to work that you can pop in the micro-wave and Dad buys his sandwiches and drinks from the machine. Make these simple changes and you’ll save ?’s and be healthier! Get rid of brand name breakfast cereals. Buy larger packs of shops own and try and go for healthier options such as porridge, wheatabix or branflakes…..?10 saved per month!Send the children to school with packed lunches instead of having school meals. A healthy lunch box can be put together for less than 50p per child. A wholemeal bread sandwich, drink of squash and a piece of fruit will do fine……?40 saved per month!Same for the adults. Whats wrong with bringing sandwiches to work or a homemade pasta salad? Mr X’s lunch and drinks cost him ?3 daily and Mrs X’s micro-wave meal is ?2. Homemade sandwiches will only cost about 50p and a pasta salad or some leftovers to heat up even less!!…….?80 saved per month!Why not cut down on sweets, crisps and biscuits for the children. Better still why not cut them out all together during the week and just allow some at weekends? May sound harsh but its not really…..you are doing them a favour! Kids are always starving when they come in from school so why not have a plateful of healthy snacks they can nibble on to stop them moaning!!!! That will keep them quiet while you prepare a frugal meal from Proper TestimonialsThere have been very effective ads that were nothing more than four or five testimonials, and it worked! The obvious reason for common usage of testimonials is the credibility that they represent. There also have been testimonials that have not worked, we are going to look into why for both cases.Remembering the three part formula for an effective ad;1) make the benefit promise,2) document or prove your claims, and3) make as irresistible and/or risk free an offer as possible; then it is clear to see that proper testimonials represent the first two, big time!Even tho lly or even ludicrous but just give them a go and you won’t think them so daft at the end of the year when you’ve saved a whole lot of dosh!Here is an example... Get rid of quick meals and processed foods and cook from scratch…..save ?100 + every month!...Where do I start! Take an average family of two adults and two children. The kids start the day with brand name breakfast cereals, have school lunches, have sweets after school, have a burger when they get home and then some biscuits at bed time. The adults eat the cereals too, mum takes a ready meal to work that you can pop in the micro-wave and Dad buys his sandwiches and drinks from the machine. Make these simple changes and you’ll save ?’s and be healthier! Get rid of brand name breakfast cereals. Buy larger packs of shops own and try and go for healthier options such as porridge, wheatabix or branflakes…..?10 saved per month!Send the children to school with packed lunches instead of having school meals. A healthy lunch box can be put together for less than 50p per child. A wholemeal bread sandwich, drink of squash and a piece of fruit will do fine……?40 saved per month!Same for the adults. Whats wrong with bringing sandwiches to work or a homemade pasta salad? Mr X’s lunch and drinks cost him ?3 daily and Mrs X’s micro-wave meal is ?2. Homemade sandwiches will only cost about 50p and a pasta salad or some leftovers to heat up even less!!…….?80 saved per month!Why not cut down on sweets, crisps and biscuits for the children. Better still why not cut them out all together during the week and just allow some at weekends? May sound harsh but its not really…..you are doing them a favour! Kids are always starving when they come in from school so why not have a plateful of healthy snacks they can nibble on to stop them moaning!!!! That will keep them quiet while you prepare a frugal meal from Make the Most of Your Time - Focus on StrengthsOnce working and focused in tune with what they do best, your people are freed up to deliver their very best performances. They encourage others to work to their strengths too. Thus, each is far more effective. By recognising this in each other, there is another benefit. Everyone realises the value that differences can bring to the team, business or organisation. And that is valued - people work together much more freely.So, by challenging each other to be honest about what others can do better than they can, all benefit. Everyone is enabled to deliver what they do best, and by elevating them to work together, the bond grows as eac hool with packed lunches instead of having school meals. A healthy lunch box can be put together for less than 50p per child. A wholemeal bread sandwich, drink of squash and a piece of fruit will do fine……?40 saved per month!Same for the adults. Whats wrong with bringing sandwiches to work or a homemade pasta salad? Mr X’s lunch and drinks cost him ?3 daily and Mrs X’s micro-wave meal is ?2. Homemade sandwiches will only cost about 50p and a pasta salad or some leftovers to heat up even less!!…….?80 saved per month!Why not cut down on sweets, crisps and biscuits for the children. Better still why not cut them out all together during the week and just allow some at weekends? May sound harsh but its not really…..you are doing them a favour! Kids are always starving when they come in from school so why not have a plateful of healthy snacks they can nibble on to stop them moaning!!!! That will keep them quiet while you prepare a frugal meal from scratch or you pull a frugal meal out of the freezer that you made in bulk last week……?40 saved per monthThis example is just the ‘tip of the iceberg’. There are so many things that can be changed and literally ?1000,s of pounds which can be saved every year. Good Luck! More ways to save in part 2!
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