Skip to main content

On The Move....With US!

Let's S.E.E. ... Come go with me!
Home
Calendar
Highlights
About Us
Contact Us
You
Site Map
Countries
Member Login
World Conflict
Changing World
Reflections
Featured Country
Vietnamese Recipes
Featured Restaurant
Featured Dance
Brunch
Lunch
Featured Spice
Featured Aromatherapy
Featured Candle and Color
Mind
Mind Massage
Body
Body Massage
Soul
Soul Massage
Romance
Raising Children
Finances
Financial Plan Of Action
Stock Market
Mutual Funds
PH Levels
Healthy Juice
Detoxify
Weight Loss
Lemons All Purpose
Castile Soap
Baking Soda
Hydrogen Peroxide
Vinegar
CARS
House
Womens Interests
Recycle
Opportunities
Celebrate Business
Specialty Products
Energy
Fun Games
Italian Recipes
Brazilian Recipes
Egyptian Recipes
Moraccan Recipes
Greek Recipes
Italy
Brazil
Egypt
Morocco
Greece
References
Mens Interests
China
Knowledge
Africa
Art
Financial Plan of Action
You can do it!
 
 

 

 

 
 
Gather the following items  

  • Recent Paycheck Stub
  • Credit Cards
  •  Investment Statements (401k, Savings...ect)
  • Glass or plastic jar to save change

 

 

  

 
 
Ways to Save Money   


 

  Keep this simple and 

to the point!   

 

Identify relatively easy ways to save money.  

 

 

  • Cook at home often.

 

  • Make your own coffee or tea.

 

  • Brown bag lunch at least a few days a week.

 

  • Make a list before going shopping.

 

  • Buy generic products whenever possible.

 

  • Use grocery store bags to line trash cans.

 

  • Pay your bills on time and avoid late fees.

 

  • Avoid ATM fees.

 

  • Avoid the vending machines.

 

  • Do regular scheduled maintenance on your vehicles.

 http://onthemovewithus.com/Cars.aspx

  • Ride your bike or carpool whenever possible.

 

  • If you like watching movies at the theater, go before 6:00 pm.

 

Associate with friends who have the same savings goals!

 

 

 

 

 

Building Wealth

 

 

 

 

 

 

http://www.dallasfed.org/ca/wealth/BuildingWealthStandalone.swf

 

 

 

See the following link for more ways to save:

 

http://articles.moneycentral.msn.com/Banking/YourCreditRating/weston-5-ways-to-dig-yourself-out-in-2010.aspx

 

http://www.dumblittleman.com/2008/01/30-easy-ways-to-save-money-and-no-you.html

 

http://articles.moneycentral.msn.com/Banking/BetterBanking/40-ways-to-save-on-almost-anything.aspx

 

Additional ways to save:

http://onthemovewithus.com/AllPurpose.aspx 

 http://onthemovewithus.com/Vinegar.aspx

http://onthemovewithus.com/BakingSoda.aspx

http://onthemovewithus.com/HydrogenPeroxide.aspx

 

 

 

 

 

Calendar   


  Put important dates on your calendar to help you plan ahead.   

 

 

 

 

 

 

 

 

 

 

 

 

Log the following items on your calendar:

 

  • Your pay days

 

  • Current credit card due dates

 

  • Set Quartely dates to check investment statements

http://moneycentral.msn.com/investor/common/find.asp

 http://money.cnn.com/data/us_markets/

http://moneycentral.msn.com/investor/finder/customfundsdl.asp

 

  • Calendar dates to go to the grocery store

 

  • Calendar dates to buy gas

 

Your credit scoreis likely the most important three-digit number in your life.

 

Log dates to pay your credit card bill 8 days after your pay check dates.  Pay at least the minimum balance right after the pay day. 

This is 35% of your credit score!

http://onthemovewithus.com/Finances.aspx

 

If you need to call the credit card company and renegotiate a minimum payment or the due date to be set at least 10 days after your pay day to insure all bills are paid on time.   

 

 

 

 
Due Dates   


  Avoid payment processing fees.

 

ATM Fees

 

Late Charges    

 

Follow-up the your creditors to find the most effective way to make payments with out additional charges.  

 

 

 

 

 
Shopping   


  Always plan in advance!

 

Keeps a box of snacks in your car,  along with bottles of water. 

 

Avoid vending machines and spending in unnecessary places.   

 http://articles.moneycentral.msn.com/SavingandDebt/FindDealsOnline/5-ways-to-trim-your-grocery-bill.aspx

 

 

Printable Grocery List 

 

http://www.allfoodbusiness.com/Stocking_your_pantry.php 

 

http://www.squawkfox.com/wp-content/uploads/2008/07/printable_grocery_list_template.pdf 

 

 

Stock an Emergency Food Pantry

http://nutrition.about.com/od/foodfun/a/emergency_stock.htm 

 

 

 

 

 

After you have indentified ways to save money, compile a list of foods that you like!

 

Ex: Pizza, pasta, tacos, salad, chicken....  

 

Next identify the ingredients these items have in common. 

 

Ex:  Tomatoes, onion, cheese, lettuce, chicken.

 

Identify items they don't have in common.

 

Ex: Pizza crust, Taco shell, pasta.

 

Don't by frozen food, make your own frozen food.  

 

Ex: Freeze items before the spoil...tomato, cheese, fruit, ect. 

 

Make a list of snacks and food items with long expiration dates:

 

Ex: Cereal, oatmeal, flour, nuts, granola, rice, beans ect.

 

  

 

 

Make sure that there is plenty of food in the home and car by stocking up on items.   Make simple enjoyable meals from frozen items.

 

  • Compile a list of things you would like to eat for the week. 

 

  •  Calendar dates once or twice a week to go to shopping. 

 

  • Try to create a stock of items that have a long shelf life.

 

  • Be creative and try different recipes that use common items.

 

 

For great things to eat see the following links:

 http://onthemovewithus.com/CarrotJuice.aspx

 http://onthemovewithus.com/RecipesSpring2010.aspx

http://onthemovewithus.com/FeaturedRecipes.aspx 

http://onthemovewithus.com/RecipesFall2010.aspx

 

 

 

 

 

Save all change! 

Put away $1 a day.

 

 

 

 

 

Take The Quiz on Spending 

 
Identify what you are doing well in addition to areas where you can improve your financial position.
 
 
click the following link:
 
Across from your results, review your answers.
                     Example: 
Your results               

     Review quiz answers

 
 

 

 

 

http://www.rediff.com/money/2004/apr/27quiz.htm 

 

http://www.rediff.com/money/2007/jul/23quiz.htm

 

http://www.rediff.com/money/2007/may/10quiz.htm

 

 

 

 

 

 

Is your budget in balance?

 

http://articles.moneycentral.msn.com/SavingandDebt/LearnToBudget/50-30-20-budget.aspx 

 

 

Car Expenses

 
 
 
 
Inexpensive Gas Locations
 
 
Investing
 
 
 
Statute of Limitations on Debt
 
 
Legal Terms & Statutes
 
 
 
 
 
 
 
 
Putting it all together!
 

Write it Out
Do you actually know how much debt you have? Many people don't. Start by making a list of

everything you owe, whether it's a mortgage, a credit card, student loans or even money you

borrowed from your parents. Write down:

  • The lender name
  • The amount you owe
  • The term of the loan
  • The interest rate and fees

Then total them up. The numbers will probably make you worry, but you've already

 made a positive step.

 

Pay Yourself First
You're probably inclined to pay everyone else first – whether it’s your landlord or your grocer or the electric company. But it’s vital to start paying yourself first by saving money. Once you’ve made a contribution to your financial longevity and well-being, then you can divide up your money to cover everything else. Don’t worry. You'll more than likely have plenty left over to cover everything you need.

 

 Power of 50
 But if you can pay an additional $50 per month on that debt, for a total payment of $110 a month,
you will pay down more of the $3,000 you originally owed.
And that means less money for the creditor to charge interest on.
 
Imagine what you could do with $100 more per month.
 
Reducing debt is like losing weight. You're not going to lose 50 pounds in a month.
You need realistic goals in reasonable timeframes.
 Same with debt. Most people take four to five years to become debt free.
So aim for three years. It's not too long or too short.
 
 

 
 

 
Create 3 excel work sheets:
  1. Budget
  2. Car Repairs
  3. Groceries
 Example:
 
2010 Budget
Bi Weekly Budget
DateMonthly4/16/20104/30/20105/14/20105/28/20106/11/20106/25/2010
Rent150000000
Groceries0000000
Cell Phone 0000000
Insurance100000000
Electric Bill0000000
Internet150000000
Cable Bill110000000
Gasoline0000000
Credit card 155000000
Credit card 272000000
Credit 3 40000000
Car Repair350000000
Car Registration0000000
Taxes0000000
Miscellaneous0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
200000000
Total2722000000
Beginning Cash300000000
Payroll000000
Cash Available300000000
Cash Used000000
Ending Cash110000000
  Save money and improve your credit!