Wealth building

A couple of days ago I heard a radio announcer state that Americans were saving money after many years of stacking up debt. Saving is hard work but you can do it by paying yourself first. I use a three step system. 1. I add up all my monthly bills 2. Then I deduct that from my monthly income. 3. Subtract your spending money and deposit the remainder in a savings account. If you are paid monthly you may also do the same drill once a month. It is best not to use checks. Just live off of your allocated spending money. This system seems so simple but it isn’t.

If your an avid credit card user or even a habitual debit card user, consider getting rid of them fast. If you don’t cut them up, muster the discipline you need to only bring them out in a dire emergency. Racking interest charges will amass before you know what hit you. My three step system will eventually bring my finances under control but it is only half of the solution. We would all like to earn more cash to save as we go. Lets say we are already putting 10% in the bank. That 10% is all we can muster. How do we save even more? The way we do that is by taking advantage of discounts. If you can save 10% on many of the purchases you make you will have saved 10% more than you would have been had you not cashed the discount. Use this method for making up for non-budgeted items. Think about it, if you had to spend an additional $50 this week, find some discounts on things you were going to buy anyway and put it back. You will not be going back to your savings account like you used to do when you got a little strapped for cash.

When I started my savings regime, I wanted to find discounts and coupons in my local area. I turned on my computer, conducted a search, and found a huge bank of discounts and savings. I became a MyWorldPlus Member and Associate. The program allows me to maximize my savings by taking advantage of hundreds of coupons and member discounts. Not only does an associate or member of MyWorldPlus get all the discounts and savings, the program has an outstanding home based business attached so you can make even more money. $20.00 a month is all it cost to remain active in the program. Earning between 1% and 20% cash back on purchases from online stores is the norm. There are 600 of them to choose from. I also have full access to hundreds to thousands of other savings and discounts at over 175,000 brick and mortar stores worldwide. Did I mention the business opportunity? You are eligible to participate in that too.

I was going to eat so I searched for coupons in my area and found an entree for $1.00 when I purchased a second entree. So, my date and I ate for half price. We love to save but we love to eat out even more. Her entree was $12.00 and mine was a dollar using a coupon I found on MyWorldPLUS. I guarantee you we will go back at least once more this month. I will have saved $4.00 by eating out twice even after my $20.00 membership fee has been paid. That is going out twice. How many times do you go out in a month? You may say $4.00 isn’t worth it but this is just the first four dollars. Get 50% off of your oil change, 2.00 off on a haircut, 10% off at McDonalds or Burger King. MyWorldPLUS has been around for a couple years now and network of savings and discounts are numerous. The savings just keep racking up. Take a free tour of this program at my website and get started saving now. TAKE FREE TOUR

One of the craziest things I have found is that some of the wealthiest people look like they don’t have two dollars to their name. I guarantee you the reason stems from them being avid savers not spenders. Check us out at myworldrocks