Living Without Credit Cards

Living without credit cards is one of the key factors in paying off debt fast.

It is important to stop using your cards, if you have accumulated certain amount of  card debt.  Continue using these cards, most likely, your debt will grow each month and prevent you from building wealth.

So, how do you live without credit cards? Here’s how:

1.) Track your spending habits as well as your expenses to see where you spend your money. Change the habits that are leading you to constantly use your cards.

2.) Create a budget. Set up a realistic spending limit on all of your expenses. The key to see it working is to identify where your money goes.

3.) Follow thru your budget plan. Use cash for most of your expenses to track spending. Following your budget plan is the best way to prevent you from running out of money every month. Although tracking these activities can be tiresome and time consuming, it’s crucial to help you gain control of your money again.

4.) Stop carrying credit cards with you. Simply not having these cards will help you stop buying any unnecessary items.

5.) Know your priorities. Remember you need food, shelter and utility services every day. These come before your new dresses, shoes, or fancy cars. Stick to your priority list, so you only spend on what you need and will be able to pay off debt faster.

6.) Put aside some money for an emergency fund, just so you don’t have to use your credit cards during an emergency.

7.) Set up a goal to get out of debt. Getting out of debt is a huge step; however, make time to create a debt management plan and take action on it.

Living without credit cards may not be convenient at first, but once you get into the habit of using cash, you’ll not only spending less, but also paying off debt sooner.

How to Make a Living Without a Job

Do you wake up in the morning dreading the day ahead because you hate your job? Are you at the point in your life where you have worked for years, maybe decades, but you have had enough and are ready to strike out on your own? Good for you! Do it! Quit your job!

Did you just panic at the thought of quitting your job? Are you thinking you wish you could but you still need the income? Did you know you actually can quit your job and still make a living? How? By starting on your pursuit of joblessness and making a living without a job. By finally taking control of your life and living the life you deserve. By living your dreams and earning a living doing work you are passionate about.

No, it’s not a pipe dream. Countless others have taken the plunge, quit their soul sucking jobs and created income streams using their talents, skills and passions. Wouldn’t you love to wake up in the morning (when your body wants to wake up, not when a jarring alarm clock forces you to) and actually look forward to the day? No more stressful commute to a workplace that causes anxiety and is detrimental to your health. Spend your days doing work that makes you happy for a change! Get paid to do “work” you enjoy. How?

Think of two or three activities that you enjoy doing. Think of one or two skills that you know you do well. Do you have a hobby that you love but rarely have time to enjoy? Let’s combine some of those items to create a non-job for which you will be paid.

Maybe someone enjoys cooking and traveling and swimming. And they happen to write fairly well, or even just so-so. And their hobby is collecting 1st edition books from their favorite authors. How would this person make a living from these activities? Are you stumped already because you can’t imagine how someone would combine cooking and swimming and collecting books? Ah, you are making this more complicated than it needs to be. How about if this person draws upon their writing skills to create a blog (monetized of course). They can write about any one of their favorite activities or their hobbies and voila! Instant income stream!

Of course for a beginner there isn’t much money in one blog. But set up several blogs (one for each passion; super simple and costs next to nothing) that are sprinkled with advertisements (you get a commission from the ads) and there is one simple way to make a living without a job.

Another income stream could employ their love of cooking. They could start putting out the word that they can cater small parties. Or they can offer their services as a personal cook for busy families. Or they can start a cake decorating business. They might go in a totally different direction and offer cooking classes for kids on weekends or set up a summer “camp” offering cooking classes.

Where there’s a will there’s a way! If you are dying to quit your job and live your life joyfully jobless start developing your income streams today.

Make Money Without Money – Deliver Groceries While Taking Money to the Bank

If you have a car and are looking for a way to make money without money, then a grocery delivery business might be right up your alley. People’s lives are getting so busy these days they don’t have time to do everything they need to get done in a week. Spending time cruising through the grocery store and waiting in a long line at the checkout is the last thing they want to do after a busy week. There are also a large number of senior citizens and people that are handicapped who would sincerely benefit from your delivery services.

There is quite a bit of preparatory work involved in getting this type of business up and running but none of it costs any money. The first thing you are going to need to do is get in touch with your local grocery stores, many of them offer an online ordering service but would be more than happy to work with an independent delivery person.

For those stores that do not offer this service you will need to take the time to draw up an order form of your own that lists what they carry and the prices they sell it for. This can be a major chore as prices tend to change frequently; fortunately most stores now offer online ordering.

You can set a program up on your computer to keep track of orders that you have taken, who they are for and when they want them delivered. You should make sure you have a good quality answering machine or voicemail box so that people can leave their orders with you or tell that they have placed their orders at the store.

You will need to decide how far you are willing to deliver if you live in a larger area and the hours that you will deliver in. You should take into account not only travel time but the amount of time it will take you to do the actual shopping if necessary, although pre-orders should be bagged and ready to go. You need to decide how you are going to ask your customers to pay for the groceries and whether you want them to prepay for them or pay for them at delivery.

You will also need to decide how you are going to charge for this service, you can charge per delivery or a percentage of the grocery bill, the most common is the flat fee charge since the customer will always know what they are going to pay for your services.

Getting started is fairly simple you need to talk to all your local grocery stores and let them know what you are planning to do, ask them to let you place fliers on their bulletin boards and even at the cash registers for customers to take home. Canvas your neighborhood and leave fliers at all the homes, check in at your local senior centers and talk to people there and leave fliers at community centers and Laundromats.

Remember the more you spread the word about your new business the better the chances of success for your new venture are. This is definitely a great way to make money with a new business when you really do not have any money to start with.