Sunday, July 13, 2014

5 Ways to Stop Wasting Money

Just about everyone loves spending money. That’s the whole point of moving up in the world. Covering just your necessities doesn’t necessarily take a lot of money, but getting all the extras and the “nicer” things does. The more money you have, the more you have to spend. So, the better your job pays, the freer you are to make these purchases.

Unfortunately, it is all too easy to fall into the habit of spending outside your means, and getting yourself into financial dire straits. You can avoid the fear of getting bills you can’t pay by following a few simple steps.

  • Examine your credit situation. Credit is not a bad thing, and for some things it is essential. There are very few people who are able to go out and buy a car or house without credit. And to attain the type of credit you need to make those purchases, you have to establish a credit record through routine purchases.   However, having a vast amount of potential capital in your hands can be a dangerous thing. If you are having problems making your credit payments each month, you need to take a closer look at your spending habits. There’s no need to have multiple credit cards with a carryover balance on them. The same goes for store credit. Interest payments will drain your savings and income faster than anything. If you use credit, use it wisely. If you can’t, stop using credit now.  Don’t be tricked by credit companies’ sweet promotional offers. You may be able to use them to your advantage, but if you’re not careful, you’ll have a huge pile of debt at an outrageous interest rate that you’ll struggle forever to pay.

  • Don’t let emotions drive your shopping. Some people will shop not because they need something, but for the rush they get from the purchase. If you find yourself in this situation, you should fix the habit. It is not healthy for your psyche or wallet to shop to make yourself feel good. If you’re buying on credit, if you are not careful in how you follow through it will only make things worse later. If you like to shop as a leisure pastime, leave the credit cards at home, and only bring along money you can afford to spend. Take the time to browse without buying, or find a healthier hobby.

  • Shop around before you buy. Comparison shopping is one of the best ways you can save money on all of your purchase, especially the major ones. If you are a shopper by habit, instead of buying the first item you find, go to different stores to see where you can get the best deals. Better yet, use the internet to your advantage and save on gas money. There are numerous direct comparison sites available for all types of goods, and you can spend several hours browsing through many different stores from the comfort of your own home.

  • Again, be careful with your credit cards and accounts. The idea is to be saving money, and the best way to do that is by not spending it.

  • Avoid impulse buying. The tips up to this point should help curb this urge, hopefully. However, don’t forget when you are actually buying something that you are dealing with a salesperson. Just as you are trying to keep your money, they are trying to get it.

  • No matter how nice they may seem when they offer those special accessories you can’t live without, keep in mind that in most of these situations, this is more of a “Do you want fries with that?” proposition than anything else. Think over these little extras carefully before you add them to the list. A few “bargain” add-ons can add up quickly.

  • Think practically about what you’re spending. Before making any purchase, consider how long you’ll have to work to pay for that particular item or service. Then ask yourself, is it really worth that many hours of your life? The answer may surprise you: and be the first of many steps to saving money the easy not spending it!

  • Wednesday, July 9, 2014

    Sell Your Reprints, Residual Income, Make Money to Write About Your Kids for $4.99 This Week

    Okay, I realize a lot of you are seeing this or getting this in your email inbox because you already have the ebook Make Money to Write About Your Kids: Get Published in Parenting and Family Magazines.

    For those who don't know what it is, here is the description AND I want you to know that for the next FIVE DAYS ONLY it is on Kindle Countdown for only $4.99 ... which is half the normal price, which is always a steal. You'll see! If you hate it, get a refund! If you love it, get in touch with me, start writing, tell your writer friends and writer groups about this Little Engine That Could resource that has changed lives but remains still, sadly, under the radar. Here's how to purchase!

    My bet is that quite often you read a magazine or online article and say to yourself, “I could have written that – and better!” So you write your essay or article. Then what? Where do you submit it? Do you give up at this point? I’ve seen it happen too many times. Your writing dreams are crushed and those paychecks are never going to show up in your mailbox. 

    Think of this ebook as your writing angel. It has 16 chapters of useful information before it dives into 239 paying markets, complete with submission email addresses, submission guidelines and pay information. This is the 5th edition of the ebook, and over the years it has been perfected to include not just regional markets such as San Diego Family, BC Parent, Orlando Family and more, but also has added national markets such as FamilyFun, BabyTalk, Parents, Parenting, Homeschooling Today and many more. 

    I have personally been published in 138 regional parenting magazines in print and online since publishing this resource, all while maintaining a home, a marriage and homeschooling. I love being able to be at home with my kids while also living my dream of writing and making money for my family. I can get my work done mostly while the kids sleep and then head out to the pool or to the zoo with them! I want other mom and dad writers to be able to realize their dreams, as well. And, of course, you don't have to be a parent to write for and sell your reprints to these regional parenting publications!

    *Please email me at mommykerrie at yahoo dot com after your purchase so I can send you the FREE at-a-glance spreadsheet that simply did not look right on the Kindle format! It has all the magazines, emails, approximate pay and state. 

    You can find the list of publications I have worked with here:

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