How to Manage Your Money (Christian Financial Concepts Series)

People often try managing their money apart from God's plan. Bad plan. Until people have an attitude change about money, it will continue to control and confuse them. How to Manage Your Money is an excellent tool to get readers on track toward a liberated financial life. This newly re-packaged bestseller contains updated material, plus a step-by-step, in-depth study of God's principles for money management.

Price: $8.00

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A Pathway to Financial Independence for Young Adults: Understanding How to Manage Your Money

The world of investing and personal finance can be a very intimidating place. It has a daunting number of components and can seem excessively complex. Because of this, in today's difficult and unpredictable economy Americans of all ages are struggling. But perhaps no demographic currently struggles more with their money than do young adults, many of whom are enormously unprepared to manage their personal finances when they join the workforce. A Pathway to Financial Independence for Young Adults is a great resource designed to help you make sense of your finances. Each chapter is filled with useful advice, clever graphics, and easy-to-understand examples. Unlike traditional financial guides, which can be extremely complicated and tedious to read, this book explains personal finance using clear, practical language with an emphasis on truly understanding how to manage your money. So if you are a young adult and beginning to really think about your finances, this book can help you. If you have credit card debt and want to know how to get out of it, this book can help you. If you do not have much experience with investment or retirement accounts, this book can help you. And most importantly, if you want a logical yet effective text to assist you in planning your financial future in a step-by-step progression, this book can help you. A Pathway to Financial Independence for Young Adults is a must-read for anyone interested in understanding how to climb the pathway toward money mastery.

Price: $22.95

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The 7 Secrets of Financial Success : How to Apply Time-Tested Principles to Create, Manage, and Build Personal Wealth (Revised Ed.)

Two million people have taken the first steps to lifelong financial independence and security by attending the Successful Money Management Seminar Series. Now, the founders of that series have created a practical, easy-to-read guide to the basic principles of personal money, management, insurance, and investments. Their seven time-tested secrets of personal finance apply to everyone, regardless of age, income, or asset level. Each chapter of The Seven Secrets of Financial Success is linked to the next, moving readers step by step up the "Success Triangle"-a road map to building a secure lifestyle and a peace of mind by retirement. "Financial Success in Action" case studies make the information and advice pertinent and practical. Full-color illustrations and photographs illustrate key concepts. Worksheets assist readers in applying the Seven Secrets to their own situations. The Seven Secrets of Financial Success will educate readers on the foundations of financial fitness, help them think and plan like financial winners, define personal financial goals and develop a financial strategy to achieve them. They'll discover: why right now is the best time to begin financial planning; how to assess the components that affect financial success and overcome the obstacles to accumulating wealth; practical guidelines to building a successful, diversified portfolio with clear, concise explanations of the many available investment options; helpful secrets on estate planning, funding college costs, tips for the self-employed, and choosing the right financial advisors.

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Make Household Budget and Stop the Financial Bleeding

This is a topic that most people avoid until they realize that there future financial goals are non-existent and their retirement plan involves working far past when they want to. It's when the sense of financial panic sets in that most people make household budget, and while it's better late then never, stopping the financial bleeding needs to happen much sooner to truly see your financial dreams come true.

Many people get stuck on just getting started. They tend to over complicate what making a budget actually is before they ever begin. Fortunately it is not as hard as some people make it to be. Here's how you get started with your household budgeting plans.

The easiest way to set up a household budget is by looking at your cash flow on a monthly basis. Since we all seem to think of our finances this way it is best to plan around each month and it is simply looking at income versus expenses over that time period.

Determining you monthly income is normally the easiest part of any budgeting process. This is the amount of any and all paychecks you receive over a month's time. If you have a variable income because you work on commission or own your own business you can use an average of the last three months to get this number. Be sure to include any other income as well such as child support, disability income, etc.

Next comes the part that nobody likes; figuring out the household monthly expenses. Start by listing out everything you spend money on in a month's time. Rent, mortgage, car payment, phone, electric bill, credit cards, groceries, entertainment, medical expenses, clothing, dry cleaning, personal care (haircut, nails, etc.), gifts, etc. Some of these expenses are fixed, meaning that they are the same every month while others are variable. For your variable expenses such as groceries go back three months and calculate the average amount you spend each month.

In order to better understand where your money is going it can be well worth the effort to make subcategories for those expenses that can be further broken down. As an example your food category can be broken down into groceries, eating out, snacks from the vending machine, and anything else you may spend money on. The more detailed you are the better handle you will get on your finances.

Once you have totaled your monthly income and expenses subtract your expenses from your income and see what is left over. This "moment of truth" as many people call it can be quite sobering because in almost all instances no one has any idea of exactly how much they spend each month and on what. All of a sudden those little $5 to $10 purchases at the local coffee shop or eating out for lunch hit you right between the eyes and you have that "Ah-Hah" moment.

If your finances are out of control and you are tired of living paycheck to paycheck make household budget to take back control. It is your most powerful tool for managing your most powerful wealth building tool: Your money!

If you seriously want to take back control of your money you need to build a Monthly Household Budget. To learn more about creating a budget please visit the website Household Budgets by clicking here.

A Monthly Household Budget is The Cornerstone of Your Financial Future

For most households the monthly budget works something like this; every month money comes in and every month all the money goes out. Is this how it works around your house? Do you know where all your money goes? Unless you have control of where your money goes and how it works for you your future financial well being is on shaky ground.

If this is you then you seriously need to think about creating a household budget because your money needs a plan to follow. Just about everything you do in life revolves around a plan of some sort. Most jobs require some sort of plan it you want to be efficient and profitable. Successful businesses follow not only a business plan but they also have a budget which allows them to be productive and profitable. Look at it this way, if you ran the finances of a business the same way you run your household finances how long would your business last?

If you don't like the word budget because it sounds too restrictive then consider creating a cash-flow plan. Whatever you wish to call it your money needs a plan to follow, unless of course you like living paycheck to paycheck.

Do you have financial goals? Are you doing anything to reach them? Are there things you would like to do but don't really have any idea how you can do them because you don't have the money? Here's an idea. Write down what your goals are, where you would like to be financially in 5 years, 10 years, when you retire. Now off the top of your head think about what is standing in the way of your goals. Chances are you're not completely clear as to what monetary obstacles stand in your way. You might have an idea but the picture is not clear.

A monthly household budget will paint a clear picture as to where you currently stand as far as your finances are concerned. You will see exactly where your money is going and this allows you to come up with a plan to take back control of your money.

Once you see where your money is going you can take the necessary steps to start working towards your financial goals. Do you have too much credit card debt? How about eating out 5 nights a week? Does that $400 plus car payment on a depreciating asset really help you meet your goals? These are just some of the question you'll start to ask when all your monthly expenses are laid out in front of you.

The first time you write out your monthly household budget, or cash-flow plan, it probably won't be real pretty. The important thing is you have taken the first step to taking back control of how your money works for you. Once you do that you can start building a strong financial future.

If you seriously want to take back control of your money you need to build a Monthly Household Budget. To Learn more about creating a budget please visit the website Household Budgets by clicking here.

Manage Your Own Money: A New Technology That Manages Money for Everyone, Including the Financial Professional

Manage Your Own Money is a nuts and bolts guide for the do-it-yourself investor. This retired Certified Financial Planner and Registered Investment Advisor unveils a new technology that manages money for everyone including the financial professional. The Predictor is a technology that tells the investor when to buy and when to sell. Learn how to screen for and pick a mutual fund portfolio with promise. Race toward retirement by learning how to balance a budget, adjust an asset allocation, and use modern portfolio construction methods to improve returns. Bonding With Bonds helps the conservative investor create a river of revenue. Jay Leno’s Personal Path to Prosperity is one of many Paths to becoming a millionaire outlined in this book. Look no further than your computer to learn how to find the best rates on auto and homeowners insurance where you live. The only way to end financial failure is to grow your balance sheet by learning how to Manage Your Own Money better!

Price: $33.49

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The Investment Answer: Learn to Manage Your Money & Protect Your Financial Future

The Investment Answer shows you, in clear and understandable language, how to take control of your finances and think about investing in a different way. Whether you are new to finance or an experienced investor, this book is essential reading. Former United States Senator Bill Bradley says that “every American should read this book,” and Bob Waterman, co-author of In Search of Excellence, remarks, “if I could give only one book on investing to my friends and family, this one would be it.”

This book cuts through the Wall Street hype to give you just what you need to know. Joe Grundfest, Stanford Law School Professor and former SEC Commissioner, says that “Gordon Murray and Dan Goldie share secrets that Wall Street would rather you not know. Read this book and prosper.”

The Investment Answer will teach you to take advantage of how markets really work and how to benefit from the wisdom that Nobel Prize winners have acquired over the last 60 years. Nobel Laureate and Father of Modern Portfolio Theory, Harry Markowitz, remarks that “the book offers sound advice, which you will rarely if ever get from a daily financial newscast.” Gene Fama, widely recognized as the father of modern finance, says that the book is “an excellent primer for the investor who is not a finance specialist.”

You probably know the important measures of your physical health: your weight, blood pressure, and cholesterol levels. But do you know the important measures about your investment health? Is your advisor is a fiduciary who really works for you or for his firm? What is your percentage mix of stocks, bonds, and cash? How much you are paying in fees and investment-related taxes?

Most of us can't answer these important financial questions...but we must. This book will help you become a smarter investor and a better steward of your money.

Price: $16.95

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Creating a Household Budget is Step One to Finding Financial Freedom

If you were asked the question, "Do you know where all your money goes every month?" How would you answer? What about this question, "Do you have a plan for the future or do you live paycheck to paycheck?" Which way would you answer this question? The fact of the matter is most Americans have no idea where their money goes each month and for them it's a struggle to get to the next paycheck.

If this is you then creating a household budget is the first step to taking back control of your financial situation. A budget shows you exactly what your money is doing, where it is going, and what you can do to make it work for you.

Think about it this way, what does every successful business do that ensures it cash flow is always good? It has a budget that tracks all their income and all their expenses. This gives the business owner the ability to make calculated decisions about their businesses cash flow that helps them grow and prosper. Now ask yourself would you run a business the same way you run your household finances?

A family budget allows you to create a cash flow plan for your money. You can control your spending as well as start setting aside money for savings, future large purchases, and retirement. You will also be able to track your monthly expenses over a long term which will better help you identify and cut expenses that are affecting your bottom line.

The first step to creating a household budget is writing down all your income and all your expenses for one month on a piece of paper. Do be aware that the first time you do this it may not be pretty, but if you stick with it you will be able to refine and perfect your budget. It is important to not miss anything. Go through all your bills, credit card statements, and check book register for one month and write it all down.

The first two or three budgets you create are good practice and will start to bring your household finances into a clearer view. This is the time to really take a look at where your money is going and start making some decisions about where you want your finances to be a year, two years, and ten years from now.

Creating a household budget will allow you to take back control of your money and how it works for you. You will have to have some patience as your new cash flow plan evolves but once you get the hang of it it will become an indispensable financial tool.

To learn more about how to create a household budget please visit the website Household Budgets by clicking here.

How to Manage Your Money (Christian Financial Concepts Series) (4 Vhs Tapes-2 Books)

The HAI 30A Heavy-Duty Load Control 220V Switch is an HAI Lighting Control (HLC) that offers remote control and an energy management of loads up to 240VAC. While it will work on standard 110VAC loads, this switch is designed to address energy consumption of high wattage devices such as a water heater, pool pump, baseboard heater, fountains, ventilator, humidifier or dehumidifier. It can be controlled locally by using the built in decora-style rocker switch or by linking it with a switch or controller using a UPB powerline signal. Envision being able to schedule times for your pool pump to run or being able to turn it On or Off at the touch of a button. Imagine having the ability to shut off your water heater from a keypad on your way out the door or remotely while you are on vacation. Your air conditioner, pool pump and water heater all operate on higher voltage, requiring vast amounts of energy to operate.The HAI 30A Heavy-Duty Load Control 220V Switch lets you efficiently control the use of heavy duty appliances and take a step towards saving energy and cutting down on utility costs.Important Note: This product is designed for indoor use only; it is noted rated for outdoor installations.

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