finance

Frugal WAHMs Talk Radio March 10th Show

On Today’s show we were so excited to featured Kim McGrigg from Blogging for a Change Blog. Kim is our Financial Expert that came on to talk to us about what we can do to help overcome these tough financial times. We touched on allot of great topics from the stimulus bill package to teaching your children about finances to how you can truly get a free credit report. Kim had so much great information to show I highly advice you not only listen to our latest show but also visit Kim’s Blog more great information and be sure to send Kim and email to ask her any financial questions you might be having! And don’t forget to catch our show on Thursday where we will be talking about how to overcome procrastination when it comes to your life and your business, and we will also be sharing some great Blogging Ideas for when you can’t think of anything to write about on your blog!

finance

Guest Speaker today was Kim McGrigg

Wow what a wonderful show we had today! We touched on a touchy subject effecting most Americans right now and that was handling the tough finacial times we are in. Seems no one is untouched by the tough economy between unemployment, foreclosures and more!

Kim McGrigg is from Money Management Inc and she has wonderful blog called Blogging for a Change where she shares great information for you on saving money, tips of getting out of debt and so much more! In this article I will share some of the great tips we talked about but remember you can listen to our full show and interview by clicking here to listen to today’s show!

Some of the great things Kim mentioned was that with the tough economic times that now is the time for planning NOT to panaic. That you need to sit down and really access your finacial situation and look at it realistically. In looking at your finacial situation you need to figure out how long you think you will be in this situation such as lose of employment etc.

Another great tip that Kim shared is that you should definatly grab a FREE copy of your credit report so that you are informed on where your finances truly lie. She recommended using Annual Credit Report site where you can get a FREE copy of all three of your credit reports yearly. This is more reputable site which will not charge for the extras but gives you a reliable FREE copy of your credit report.  By accessing your credit report you are more aware of what you owe and to whom, this helps to give you a clearer picture so you are fully informed.

Another thing she mentioned is that you have to look at what your important daily expenses are such as mortage/ rent, utitlies, insurance home/auto.  Be sure when developing a plan to tackle your debt that you keep yoru daily and realistic debt above in perspective. A common mistake Kim says she sees happening alot is that people tend to live as though nothing has changed for them finacially, instead of facing the reality of their situation and trying to develop a plan to pay off their debt.

We also briefly touched on the impact of the HUGE stimulus bill that passed and how it will effect our daily lives. As Kim reported we may not see a huge change in our finances for awhile, that some of the benefits are:

• $20 extra in your weekly check
• Extra Tax cuts and breaks for your next year tax filing season
• New programs to help those possibly facing foreclosure

We also briefly touched on the subject that now is the perfect time to start teaching your children finacial responsiblity. You should be open and honest with them about your financial situation and touch on how they could save money on their own. This will help to build a solid finacial foundation for their future by educating them on finances. In summing up our interview Kim mentioned that you need to remain flexible for realistic in your finacial situation, and also allow for change in your circumstances. Also to set your priorities and make a plan for change! We want to thank Kim our Finacial expert for her wonderful expertise in talking with us this morning on our show. We are going to try and book Kim for another show in our near future so she can share some more great information with you, in the mean time please be sure to stop by and visit Kim’s blog Blogging for a Change.

finance

Set Up A Family Budget

The Amazing Secret To Creating A Family Budget That Leads You Out Of Debt and Fills Your Savings Accounts!

Listen. It hits families all over the world like a punch to the stomach.

You don’t notice it at first, but soon you find yourself living in a paycheck to paycheck world. What you make one month is gone before you have any time to add it to your savings account…

Before you have time to fill your cupboards just one last time (while you wait for your next paycheck)… And definitely before you make any dent on your credit card balance.

Families all over are enslaved by their debt racked up over the years. The burden is immense. You don’t want anyone to know you’re having a hard time making ends meet – especially any kids that might be involved.

You’re afraid to answer the phone. It’s tough to sleep the night through. Life in debt is now a never-ending cycle of anxiety and fear.

How can you stop the seemingly endless cycle? How can you change the way you think about money? And discover financial discipline?

Let me tell you, it’s not too late with my tell-all guide…

How To Properly Set Up A Family Budget!

If you have had financial problems in the past, you can feel relief when you start over with a (realistic) family budget.

Have you ever heard, “The first step is admitting there’s a problem?” You may or may not have a spending problem – but you can’t create a family budget without first being honest with yourself.

And let me tell you it feels good. No matter what you’re financial situation. Sitting down and figuring out exactly where you stand. How much money you owe. How much money you need to save up each month. How much money you get to spend each month.

Just putting it all down on paper lets you leave the stress behind you. The relief is almost instant when you create a family budget. But you know what the best part is?

When sticking to your budget starts to pay off. Soon you will have a monthly surplus. Soon you will see your savings start to grow. Your debt will start to dwindle. And you’ll notice you’re still able to do the things you love!

Within my 50 page guide, “How To Set Up A Family Budget,” I’ll tell you exactly what you need to do to turn past money-management mistakes upside down. You’ll discover all my tricks, tips, and techniques for putting yourself on the fast track to financial security.

The secret to why we can spend, spend, spend – and never know where the money went

How to sit down with bank statements, checking accounts, stock portfolio’s and a list of assets to find out your true financial status

Why this guide is different than other “budgeting” books. (It has to do with our “hands-on” approach)

26 simple tricks to help you keep to your budget (without grinding your teeth)

12 reasons why starting a family budget will empower you like never before (and help you sleep at night)

3 most common reasons why budgets fail. Know what to look out for and you’ll avoid these budget busters

What to do if your expenses total more than your income

How to handle your paycheck strategically to make sure your bills get paid. Hint: This trick is so good, you won’t notice how responsible you are being

The 17 rules to family budgeting. Print these out and post them on your refrigerator

10 important processes creating a budget must provide for

10 reasons to stop spending now (Or else it might be too late)

Why you must confront your debt now – and how to do it painlessly

12 steps for curbing your debt

25 final thoughts of wisdom on family budgeting to keep you moving forward in a positive (financially free) future

And there’s MUCH more!

What is financial stability worth to you? Here’s the deal, I spent a lot of time putting this report together. It’s saving you a trip to a financial planner that could cost you hundreds. But because I’ve already written everything down, I don’t have to charge nearly that much. Instead, you can have my report, “How To Set Up A Family Budget” for just $8.97!

finance

How to have a Successful Garage Sale

How to have a successful garage sale.

finance

Making Money Online: The Proof is in the Pudding!

We all want to make more money right? But how do we avoid the scams out there? Are there truly easy ways to make money that are legit?

My answer is YES!!!!!!!!! Being a working mom of two, my time is precious and safety is important! I have been searching the web for deals like these going on 13 years now. Below are some sites I think you should definatly sign up for that I have had success with! Have questions ? Let me know I would be glad to answer them!

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