Save and Borrow Money the Smart Way | A Better Way to Save, Borrow, and Recycle Your Family's Money will show you and your family a better way to simultaneously save money and borrow money. If you are looking for the smartest way to save money, borrow money, or if you are contemplating how to get a loan, or even how to save for retirement, then read this book first. Most people believe the bank is the only place to save money or borrow money, and IRA's and 401K's are the only place to save for retirement. However, a bank savings account doesn't allow you to keep earning money when you take money out of the account to pay for an expense. Likewise, neither 401K's nor IRA's allow you to borrow money from them without severe limitations, potentially significant penalties and taxes, and you'll miss out on any potential market gains. There is a smarter way to save and borrow with more flexibility so that your money works much harder for you and allows your family to keep more in their pocket. If you are open to listening to an idea that has been around for close to 200 years and stood the test of time, then consider looking at a participating whole life insurance policy. A participating whole life insurance policy, specifically built with a high cash value as part of the infinite banking concept, allows you to save money and borrow money with much greater efficiency and superior financial performance than any other system you are currently using. This is due to the fact that a properly designed participating whole life policy allows you to get safe, tax-deferred growth and allows you to simultaneously borrow money from the cash value without impacting the growth of that money. Unlike a bank savings account or a bank loan, you can literally get your money working in two different directions at once so you can live better today while saving for tomorrow.If you currently have or are contemplating owning a bank savings account, credit cards, student loans, personal loans, business loans, or car loans, then you need to read this book. Even if you think you are financially savvy and pay cash for all of your major expenses, the system illustrated will keep more in your pocket. Just by reading this book, you will understand why and how you could easily be saving $100,000 to $200,000 over your lifetime if you are currently using credit cards, financing, or paying cash for major expenses.
Mommy-money blogger Crystal Paine distills her best financial advice and secrets from her blog MONEY SAVING MOMr, to help families get their finances in order. Based on The Money Saving Mom’s Seven Rules for Financial Success and written in a simple, straight-forward style, this book offers an easy plan for a complete financial makeover.
In the first few chapters, you'll learn how to set big financial goals and actually follow through with them, how to organize your home and life so you can have more time to focus on getting your finances in order, and how to implement a realistic cash budget system that can transform your financial situation.
After laying the foundation for financial success in the first few chapters, Paine then teaches you step-by-step how to cut your grocery and household expenditures by 30% to 50%. You'll learn both basic and advanced couponing techniques, 25 practical ways to save money on groceries without clipping coupons, how to buy prescription glasses for under $20, how to dress your children for free, and much more.
If you think living a frugal, simple and debt-free life means you can't ever enjoy dining out, entertainment or vacations, guess again! From money-saving vacation ideas to secrets to dining out on a budget, this book shows you how to enjoy strategic splurging -- and how to do it at half the price.
Sprinkled throughout the book are testimonies from people whose lives have been transformed through the principles Paine shares. You'll be inspired, challenged and motivated to spend less, save more and make the most of what you have.
After getting laid off I had to wade through all the frugal tips like "reuse twist ties" and "turn off the lights when you leave a room" to find the ones that really delivered. Sure you can save a few pennies by turning off the lights around the house, but I needed to make bigger money-saving moves. I didn't need to save a few pennies, I needed to save many hundreds of dollars each month. That is what this challenge is all about: taking 21 days to make some drastic, but realistic, changes in order to save at least $500 each month. If you are anything like I was, you probably have more bills and payments due each month than you have money coming in. You have undoubtedly read other money-saving tips in the past, but just felt like none of them would yield much result. You also probably don't have the time to read through a bunch of fluff, but just want to get to the point! If this sounds like you, then you are who this book was written for! And while this challenge is not intended to solve all your financial problems, it will definitely help you save money! The book is broken out into 21 short chapters, each with a realistic money-saving suggestion that will help your reach your $500/m goal. To succeed with the challenge you will need to take the chapters day-by-day and not just fly through the whole book in one sitting. Those who read a chapter a day and take action each day will be rewarded with much better success.
This is a simple manual written to help you answer questions you will probably encounter as you begin your new walk with Christ. It is not to bombard or overwhelm you with a lot of information. It is to be used as a quick reference tool to help make your transition as smooth as possible. As you read it along with your bible daily, my prayer is that the Word of God will come alive to you and cause you to grow strong in the Lord and in the power of His Might!
THEY THOUGHT SHE'D BE EASY. THEY THOUGHT WRONG.
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