Hi everyone!!! I hope that all of you must have done your 3 day ritual regularly and i am sure you are sensing some improvement already from within. Today , the fourth day we are going to concentrate on Credit Cards

Analyze the payments you are making for all your credit cards every month. Ask yourself if you really need the number of credit cards that you own. If not surrender some and have as less as necessary.

Also make the monthly bills on time to keep a clean record of your credit score. Make use of offers given by the credit card companies. Do not fall victim for marketing gimmicks and buy a credit card on an offer as the APY might be a lot higher compared to the traditional ones without offer.

Determine how much credit card debt you owe to the company and start allotting a considerable amount every month.

Thats it!!! We are done for the day. This will not take more than an hour to analyze. So you can go to sleep with a satisfaction that you have completed more than 50% in your attempt to fix your finance.

‘ Rich’ i can say without an iota of doubt that this word brings abundance happiness to most in the world. However not everyone is destined to enjoy its company. A very few have what it takes to reach the top. However there are people who succeed in appearing rich. Hence its important to decide whether you want to be rich or just appear rich. Want to be both? Then your last name has to be Jobs, Gates, Clinton or Ellison, so lets forget about that for the moment and get to the reality.

Lets now discuss about people who appear to be rich. These are people who own a luxurious apartment, a dazzling car , jewels and clothes that are in par with today’s trend , inspite of the fact that its beyond their range of affordability.

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Hi Everyone! We have come across various tips to save money, to build wealth and start investing. Yet some of us remain hesitant towards taking our first steps. I not going to give up. I will do my job to keep you all as much motivated as possible. Today i am gonna give you all 4 simple lessons about money.

Lesson 1

Never spend more than you earn. It is simple mathematics. Spend as much less as possible than you earn, the more the gap is the more beneficial it is for you.

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How often do you hear people saying you cannot increase your income because there is a recession, you won’t have enough time to handle another job, you have to be health conscious and no over stress yourself, its difficult to save money in this economy and the government will not let you.

Well i am sure these words keep constantly resonating in our ears, whether through external sources or through our inner voice. Although we have a burning desire every morning we wake up to make a new beginning towards the life we actually want to live, somehow the motivation gets faded as the day progresses. Sometimes due to laziness, sometimes due to fear of failures.

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An article in Wired Magazine  mentioned about personal metric devices to improve one’s health like the Nike+ipod kit which could keep track of all the details and the statistics of your capacity to run..For all it measured was the time your foot touched the ground. Now how could that have helped? How could mere statistics help?

Let us be honest. How many of us follow our chores sincerely, or let us say, on a given time when we  are assigned a job ,given a deadline, when we are  getting  no extra incentive for our job, and most important ,when we are  quite sure that there is no one observing us, how many of us do our jobs sincerely?

Well barring just a few I suppose the answer is quite obvious.

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I read a lot of a financial blogs and recently I read a very interesting story which has a very important financial lesson for all of us. The true story is about a financial blogger who happened to share a bus ride with few folks and soon they got talking.

When the other passengers came to know that one of them is a personal finance blogger, they all tried to gain some advice and in return told him their personal financial perdicament.

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