How to Strengthen Your Money Management Skills

It’s always a good idea to tweak and reevaluate your money management skills.

The world of money can be a huge task to manage which can get overwhelming at times.

However, with clear goals and careful calculations, you can adopt a manageable system that works well for you.

Follow these tips to strengthen your money management skills:

1. Tweak your tracking system.

You probably already track your spending to some degree, but it would be helpful to see what it’s like when you track all of your spending.

Try doing this for at least a week.

When you see all of your expenses written out, you’ll be able to clearly see what’s necessary and what’s not.

You can then decide to spend your money differently based on your current spending habits.

2. Consider your savings. 401Ks and other tax-advantaged retirement plans are a good option for saving money long-term.

On the other side, it’s important to have money in a regular savings account that you can access regularly for surprise expenses, like car or home repairs.

3. Determine your needs and wants. If cutting back drastically is a necessity to you at this time, look at your monthly expenses in detail.

Make a two-column list and divide your expenses into needs and wants, then eliminate as many items from the “wants” category.

4. Set realistic goals. It’s important to be realistic when setting out new money management goals for yourself.

You shouldn’t do anything too drastic too quickly.

It’s always best to take on changes in stages and ease into new situations. You’ll avoid shock this way.

5. Give yourself an allowance. If you tell yourself you can’t spend any money, you’ll get frustrated and you’ll be more likely to revert back to old habits.

Instead, give yourself a monthly allowance.

Tell yourself that you can spend $50 to $100 each month on the things you enjoy.

You’ll have some fun and save money at the same time.

When You Want To Change

The trick to strengthening your money management skills lies in your drive to change.

People usually run into trouble when they want to save money but are unwilling to live a different lifestyle.

Realize that you can shift your lifestyle without it being a burden.

When you start slow and make small changes, you allow yourself the time and opportunity to create positive new habits.

For example, you can start with your grocery bill.

Decide if there are certain expensive foods that you can skip.

Tell yourself that you can treat yourself to them whenever they go on sale.

This way you’ll still indulge yourself every now and then, but you’ll be saving money.

Long Term Goals

It’s always a good idea to keep your eyes on your long-term goals.

Where do you want to be next year, in 5 years, and in 10 years?

Make an attainable action plan with your finances that will get you there.

When you keep your goals in mind, you maintain a drive that also enables you to enjoy the journey.

These strategies will help you bolster your money management skills so you can soon enjoy your life without the financial stress!

What are things you would like to buy but are unable to due to lack of funds?

How can you work on getting more stable with your finances?

Talk about that in the Personal Growth Cafe Community!

Also, as your gift for taking this to heart – and this is profoundly important… to us ALL – go to and do the Uniting Planet Earth 7-Day Quick-Start Ignition Program… and Allow it to Transform Your Life.

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How to Attract Money Into Your Life

Recently there has been an explosion of discussion regarding the Law of Attraction.

If you’re not familiar with the concept, it’s actually quite simple.

Positive attracts positive and negative attracts negative.

In other words, you’ll receive good things or bad according to what you focus on.

If you focus on the positive in your life, then more positive things will come your way.

If you spend your time and energy focusing on the negative, then you’ll attract more negative things.

You can use these principles to harness the power of the Law of Attraction to attract more money into your life. 

Follow these strategies to attract money:

1. Express gratitude. If you want more of something, like money, you must first express gratitude for what you have presently.

Gratitude is a powerful positive emotion.

Be thankful for all that your Creator has provided you this far.

You must be sincere in your thanks.

If you don’t honestly feel the gratitude, then you won’t be able to attract more of what you want.

Stay focused on what you do have.

Remember, if what you feel and focus on is actually your lack of money, it will only attract more lack back to you.

2. Picture yourself with the money. Visualize it in depth, as if you already have it.

You want to see yourself holding the money, touching it, and feeling how happy you are with it in your life. 

Imagine sitting down paying all your bills and buying expensive gifts for those that you love.

This will send a positive message out that is to be returned to you.

3. Be consistent with sending out these strong positive thoughts and feelings.

Mixing it up with negative ones about money sends a conflicting message.

Rid yourself of negative thoughts. It’s imperative that you eliminate as many negative feelings as possible.

Make a conscious effort to find the positive in everything because your negativity won’t be rewarded with positive results.

Are there others out there who are positive?

You bet!

Do your best to find and emulate these people.

When life hands you a bunch of lemons, it’s time to make lemonade.

Find the silver lining or take action to make something positive out of the situation.

4. Have Faith. There are countless documented cases of people who received their heart’s desire by using the principles found in the Law of Attraction.

Those people are no different from you! 

Faith is a positive feeling.

If you truly want to attract more money into your life, then faith is a must.

You have to believe deep down that something like this can and will happen to you.

It’s time to truly believe that you’re deserving of anything you desire. 

The Law of Attraction has helped many people live their dreams.

By following its simple principles, it can happen to you as well.

Profess an open mind, a willing heart, and a joyful spirit and, in return, you will be rewarded with whatever you request!

How do you carry financial burdens into other areas of your life?

How can staying positive about finances help ease the burden?

Talk about that in the Personal Growth Cafe Community!

Also, as your gift for taking this to heart – and this is profoundly important… to us ALL – go to and do the Uniting Planet Earth 7-Day Quick-Start Ignition Program… and Allow it to Transform Your Life.

Before you leave…

Please share the link to this post on your Facebook, Twitter, etc., and like it, and comment right here – THANKS!

How to Augment Your Income During the Financial Crisis

We all know how bad the economy is right now; people everywhere are losing their jobs and many are even losing their homes to foreclosure, but this doesn’t have to happen to you.

You can boost your income and protect your family during the financial crisis!

Go Above & Beyond

One way to protect your job is to bring more value than what you’re being paid.

In other words, help the company make more money than what they’re spending on you.

When your boss recognizes the value you’re bringing to the company, it will decrease the chances of losing your job.

Here are some ideas of boosting your value:

1. Save the business money. Find ways to cut expenses and eliminate wasted time and resources.

Chances are, you can lower the company’s costs significantly with just a little research.

2. Work more efficiently at your job. Make full use of the tools available to you so you can increase your productivity.

For example, create templates and step-by-step instructions to follow, that way repetitive work is systemized.

3. Help your company become paperless. In this age of technology, just about everything can be done electronically.

Since most companies have computers and scanners, utilize them to their fullest.

Also, by reading emails on the screen, instead of printing them out, you will cut the company’s use of paper drastically.

Think of other ways you can help your company cut down on the amount of paper it uses and introduce them to your boss or CEO.

By taking this initiative, you’re showing just how indispensable you are.

4. Help market your company to the world. The use of social media is fast becoming the leading way to market a business.

Social networking can be done from home and in your spare time.

Be sure to let your boss know that you’re doing this, not only to get their permission, but because doing so increases your value to the company and shows that you’re a valuable member of the team.

Get active on popular social networking sites like Twitter and Facebook.

Set up a Twitter account to connect with thousands of people that need your products or services.

You can also offer a “deal of the day” coupon code for Twitter or Facebook users.

You can use your skills and talents to expand your income in other ways:

If you’re a teacher, offer evening tutoring services.

If you know a lot about a specific subject area, start a consulting business.

If you’re an artist or make crafts or jewelry, sell them on eBay or Etsy.

If you love to write, sell your article writing services to online businesses.

Start an online business from home. There are a thousand ways to make money online, using the skills you already have.

Do a search using the terms “how to start an online business from home.” The results will bring up tons of tutorials and guidelines.

If you have stuff lying around your house, cluttering up your countertops, bookshelves and closets, sort through it and sell it on eBay.

You’ll be surprised at what people will pay for something you consider junk or useless.

These are just a few ideas to get you thinking about how you can increase your income during these tough financial times.

As you begin to brainstorm ways to put more money in your pocket, you’ll soon see how simple it can be to add an extra few hundred dollars – or more – to your income every month.

You may even find that you have skills that you didn’t know you had in the first place, which can lead you in a whole different direction in your life or career.

You don’t have to let the economy take control of your life.

With a little effort and some brainstorming, you’ll find ways to supplement your income and overcome this financial crisis we’re in.

How have you taken full control of your finances?

What helps you keep your finances stable?

Talk about that in the Personal Growth Cafe Community!

Also, as your gift for taking this to heart – and this is profoundly important… to us ALL – go to and do the Uniting Planet Earth 7-Day Quick-Start Ignition Program… and Allow it to Transform Your Life.

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Overcoming Financial Strain

Financial strain is probably the biggest cause of stress, especially in today’s economy.

With so many people losing their jobs, just trying to make ends meet can cause added stress to your already stressful lives.

The good news is that there’s a way out!

Map Out a Plan

If you are not on a budget, you must get on one.

I know the word budget seems like a bad word, and it does require effort and planning, but it is the best way to relieve financial stress.

Living on a budget means you’re in control of your money, instead of your money controlling you.

There are many classes or programs specifically designed to teach you how to budget if needed.

Simply do a search online using the terms “how to live on a budget” or “budgeting” and you’re sure to find one that meets your needs and is easy to use.

The key to sticking to a budget is making sure it’s easy to implement.

Ask your friends and relatives what budgeting plans or programs they use and do a little research before deciding on one.

But whatever you do, choose something!

Good Food at Great Prices

Another area where you can save money is at the grocery store.

By using online and paper coupons, as well as flipping through the weekly flyers, you can save hundreds of dollars every month!

Again, this takes some planning, but it will help relieve a lot of financial strain.

Knowing how much you spend on eating out may be a shocker to you.

Cut back on restaurant food and plan more meals at home.

You’ll be surprised at how much money you’ll save and you may even lose a few pounds!

Review Your Automatic Payments

Cutting out automatic payments from your spending will also help you be in control of your money.

Look at any programs or services that you’ve subscribed to that automatically takes money from your account.

You may find some you never use that you can cut out. Or perhaps there are better deals to be had elsewhere, so do your research!

Choose Used

One of the best ways to reduce your expenses is by driving a used car.

If you’re making a car payment, you’re throwing away money that could be better used elsewhere.

If it’s possible, sell your car, pay it off, and buy a used car with the cash that you’re saving on monthly payments.

You may have to give up a little pride, but reducing stress and financial strain is far more important than pride! 

Tips to Reducing Financial Strain in Your Life

Other ways to overcome financial strain is to supplement your income.

You can do this in a variety of ways. Some of them you may even find fun!

De-clutter your home of “stuff” by sorting through and selling it on eBay, Craigslist, or Kijiji.

Clean out your shed or garage and have a yard sale.

Sell arts and crafts or jewelry on Etsy or eBay.

Start an online business using skills you already have.

If you’re a good at a particular subject, start tutoring or teaching music lessons.

If you’re a golfer or skier, get a second job at a resort or golf club.

This will not only bring in extra income, but they probably offer discounts to employees, saving you money while still being able to enjoy something you love.

Get a second job that offers flexible hours. Use the extra income to pay down debt or start saving for your emergency fund.

Having a plan, sticking to a budget, and increasing your income are the best ways to overcome financial strain during these tough economic times.

If you’re diligent and determined not to let today’s economy stress you out, you’re sure to succeed!

How do you deal with financially tough times?

How does this make you feel about how you are living your life right now?

Talk about that in the Personal Growth Cafe Community!

Also, as your gift for taking this to heart – and this is profoundly important… to us ALL – go to and do the Uniting Planet Earth 7-Day Quick-Start Ignition Program… and Allow it to Transform Your Life.

Before you leave…

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Seven Ways to Save Money Without Sacrificing Your Lifestyle

Are you looking for ways to save money, but don’t want to sacrifice your current lifestyle?

You’ll be surprised at how many different things you can do to achieve this.

Below are just a few ideas you can utilize to start saving money during these rough financial times:

1. Eating Out: For some people, eating out is one of their biggest variable expenses, but you can still save money without sacrificing your lifestyle.

You can often find restaurant coupons in the paper or online.

You can also cut your bill in half by sharing a meal.

We all know restaurant portions are huge and can probably feed at least two people.

Cut down on the amount of food you eat and save money by sharing a meal with a friend or spouse.

2. Gas: There’s several different ways you can save money on gas by simply thinking about how many unnecessary trips you take and planning fewer trips where you can.

This is where planning your day and clustering errands into one trip is key.

Also, if you have more than one driver in your family, the person who drives the furthest to work or school should use the most fuel-efficient vehicle.

It sounds obvious, but that’s because it is!

3. Consolidating Payments: Often your lender or bank will give you a loan to help reduce your monthly costs and interest payments.

If you can’t get a loan, see if you can transfer your high interest balances to a lower interest credit card.

If you have high interest credit cards, one of the smartest ways to reduce debt is to negotiate those interest rates.

4. Cut Out Unnecessary Fees: There are often hidden fees on credit cards, bank loans, and bank accounts that you may not be aware of.

Be sure to read the fine print before signing any contracts.

You’ll also want to check your monthly statements for any fees that you may not be aware of and call to complain if you spot anything funny.

In addition, avoid bouncing checks and cash advances.

Both insufficient fund fees and cash advances are probably one of the largest money suckers, but the easiest to avoid.

Being in control of your money and knowing where it’s going will help you save money on unnecessary fees.

5. Budgeting: You need to know how much money you have coming in and directing the money where you need it to go.

Budgeting means being in control of your money instead of your money controlling you.

When you’re on a budget, you can actually save money without losing the lifestyle you desire.

6. Gym Fees: Belonging to a gym is a helpful way to lose weight and stay in shape; however, the fees can be very costly.

Besides, you can still stay in shape and get great workouts at home, while saving tons of money.

Workout DVDs (or even free videos on YouTube) cost a lot less than a monthly gym membership and there’s a huge variety to choose from.

If you use the gym and it’s keeping you healthy, than it’s a good investment.

After all, your health is important.

But you should also be realistic with your workout expectations, meaning, if you haven’t gone for months, you’re probably not going to go all of a sudden, so you’re better off cancelling the membership.

7. Groceries: If you’re like most, your grocery bill is one of the biggest bills you have, next to house payments.

You can cut this bill by hundreds each month easily.

A little planning and effort is all it takes.

Using online and paper coupons, in addition to your grocer’s weekly sales flyer can cut your grocery bill by 25 to 30 percent.

The average family of four spends over $700 a month on groceries.

By using coupons and shopping the sales, you can save over $200 a month on groceries.

Couldn’t we all use an extra $200 a month right now?

Here are some other ways of saving money without sacrificing your lifestyle:

Turn off lights when not in use.

Open windows instead of turning on the air conditioner.

In the winter, wear sweaters to keep warm and turn down your thermostat.

Turn the water off while brushing your teeth.

Take showers instead of baths.

Unplug any electronic devices when not in use.

Finding a better way to enjoy the activities you love will not only save money, but will also reduce financial stress so you can maintain the lifestyle of your dreams!

How do you feel about your current lifestyle?

How have you adjusted your lifestyle based on the finances you have?

Talk about that in the Personal Growth Cafe Community!

Also, as your gift for taking this to heart – and this is profoundly important… to us ALL – go to and do the Uniting Planet Earth 7-Day Quick-Start Ignition Program… and Allow it to Transform Your Life.

Before you leave…

Please share the link to this post on your Facebook, Twitter, etc., and like it, and comment right here – THANKS!


Using the Law of Attraction to Boost Your Income

We’ve all heard about how positive thinking can benefit you in many ways, but did you know that positive thinking and the Law of Attraction can help boost your income as well?

These days we all could use some extra income!

This article will give you an understanding of how positive thinking and the Law of Attraction are interrelated, as well as explain how you can use these principals for your financial benefit.

Positive Thinking

Positive thinking is more than just being upbeat all the time.

The term “optimistic” comes to mind; however, positive thinking is much more than just being hopeful, also.

Positive thinking is the opposite of negative thinking.

Sounds simple right? Well it’s easier said than done!

Why It’s Important to Think Positively 

I’m sure you know someone who’s a negative thinker.

They’re usually down most of the time, get depressed easily, and have negative things happen to them recurrently.

Have you ever wondered why this happens?

It’s because the negative thinker surrounds himself with negative energy, which attracts more negative things.

His thoughts are in harmony with negativity, so that’s what he gets – more of the same!

Positive thinkers, on the other hand, think about encouraging things and surround themselves with positive energy.

Their thoughts are in harmony with good things, so they attract more positive opportunities.

Whether you’re aware of it or not, you gravitate toward the outcome of situations because of your thought processes. 

Therefore, when you think positively, you’ll make decisions based on that type of outcome, consciously or unconsciously.

The same goes if you think negatively.

How to Use the Law of Attraction to Attract More Money

If you dwell on the negative – such as how bad the economy is or how tragic situations are – your thoughts, and therefore your decisions, take you down a path to negative outcomes.

However, when you think positively, you now have a fresh start to do something you really enjoy and your thoughts and decisions move you toward those goals. 

Now is the time to start thinking positively in this financial downfall.

What are some skills you already have that you could use to bring in some extra cash?

How can you take advantage of current trends to boost your income?

Here are some suggestions to help get your thoughts moving in the right direction:

1. Are you artistic or do you enjoy making things with your hands?

You might enjoy graphic arts. Now is the opportune time to start your own online business selling graphics, covers, designs, and page layouts.

2. Are you social and do you love interacting with people?

Social networking is HUGE and growing by leaps and bounds!

Social networking platforms like Twitter, Facebook, Digg, Stumble Upon and De.lic.ious are changing the way businesses of all types market their products and services.

Many companies are hiring people to market their business on these and other social networks.

3. Do you like to write?

Blogs are fast becoming the way to update a website consistently, driving more and more traffic to it.

Companies are looking for writers to fill their sites with content.

Posting blogs, article writing, and copywriting are just a few of the ways you can earn money online using skills you already have and a pastime you enjoy.

4. Boost your income at your current job.

When you think positive things about your job, you tend to perform better.

And when you excel at your work, your boss is more likely to recognize you as a valuable, or even indispensable, team member!

Positive thinking will help lead you in the right direction toward a positive outcome.

If you’re naturally a negative thinker, turning those thoughts into positive ones may be a little more difficult, but it can be done.

When you start to have negative thoughts, try to catch them before you’re already on the path to destruction in your head.

Then, turn them around and focus on positive outcomes.

Over time and with practice, positive thinking can become natural to you.

Even better, you’ll be attracting positive outcomes as well.

Through positive thinking, the Law of Attraction can bring you many things to be happy about, including financial freedom!

How can being optimistic turn things around for you?

How have you benefited from being an optimistic person during a challenging situation?

Talk about that in the Personal Growth Cafe Community!

Also, as your gift for taking this to heart – and this is profoundly important… to us ALL – go to and do the Uniting Planet Earth 7-Day Quick-Start Ignition Program… and Allow it to Transform Your Life.

Before you leave…

Please share the link to this post on your Facebook, Twitter, etc., and like it, and comment right here – THANKS!

What to Do When You’re Facing Sudden Job Loss

In today’s economy, the thought of losing your job is a real possibility.

Perhaps you’re already in that situation.

But don’t despair, there are things you can do and places you can go to help you through this tough time.

The first place you must go is to your unemployment agency.

You may even be able to apply for benefits online.

Either way, contacting them is the first step you need to take.

The unemployment agency provides financial benefits to those who qualify and they’ll help you find another job. 

Many states are now offering programs that extend unemployment benefits so you can go back to school and learn a new trade or skill.

Be sure to ask your local agent about any special programs they’re currently offering.

Although they can make a significant difference in the short-term, unemployment benefits are usually much lower than your normal salary.

However, there are many other sources you can also take advantage of to help you get by during this rough financial time.

Let’s look at some of your options:

1. Reduce monthly expenses. Take a serious look at some of the things you can live without for a while until you get back on your feet.

Go through all of your bills and expenses and cut out the things that aren’t necessities.

Be honest with yourself – just because you think you can’t live without your cable or cell phone, doesn’t mean it’s true.

Some of the first places to look include:

  • Television
  • Phones – both cell and land line
  • Cell texting or other data communications
  • Transportation
  • Eating out
  • Power usage
  • Air conditioning and heating

2. Save money by meal planning.

You can save over $100 (based on a family of 4 with bi-monthly pay periods) on each trip to the grocery store simply by planning meals ahead, using coupons and shopping your grocer’s weekly sales flyers.

Not only will you reduce how much you spend on food, but you’ll probably reduce some weight around your waistline as well.

Who couldn’t use that added benefit?

3. Waiting tables. One of the fastest ways to earn some quick cash is to wait tables.

This may not be glamorous, but it can bring in some immediate cash, and many restaurants beef up staff for the summer months.

4. Community agencies. If you’re in dire straits and need assistance right now, there are many local agencies you can turn to for aid.

The United Way and Salvation Army are located in most areas and offer a variety of programs that may be able to help you.

Your area may have different agencies, so check online or in the phone book for the ones in your community.

5. Government agencies.

Besides the unemployment agency, most areas have a Department of Human Resources, Social Services, or Health Department that can help or guide you to assistance.

6. Sell items on eBay. Take a good look around your home, shed, or garage.

How many boxes do you have lying around filled with stuff you never use?

You’ll be surprised at what people will pay for what you consider junk!

7. Have a yard sale. You can make a nice chunk of change by selling off furniture, clothing, and other household items you don’t use anymore.

8. Set up your own online or offline shop. If you can make arts and crafts, sell your items on eBay, Etsy or at local craft fairs. 

With some communication, research, and creativity, you can take advantage of your time off to learn a new skill or start a new venture with skills and passions you already have.

Have some fun utilizing your creative ability while making the extra money you need to make ends meet.

These tough financial times don’t have to be devastating.

Use these tips to take advantage of the resources available to you to reduce the negative impact on your life.

You may even look back on this time as the lucky stroke that pushed you toward success in your new career!

What skills do you have that can help you get back on your feet after a job loss?

How can you maintain a positive attitude after encountering this challenge in life?

Talk about that in the Personal Growth Cafe Community!

Also, as your gift for taking this to heart – and this is profoundly important… to us ALL – go to and do the Uniting Planet Earth 7-Day Quick-Start Ignition Program… and Allow it to Transform Your Life.

Before you leave…

Please share the link to this post on your Facebook, Twitter, etc., and like it, and comment right here – THANKS!

How to Boost Your Income by Boosting Your Attitude

Far too often, we allow our actions to be ruled by our emotions.

It’s a fact: negative thoughts and feelings have a detrimental effect on every aspect of our lives, from family to our work and social lives.

What would things be like if we transformed negative thoughts into positive ones?

Changing how we feel about ourselves can truly change our direction in life!

Living in the present and having a positive outlook about our future can help us reach goals we once thought were impossible.

Having a brighter outlook on life can open our eyes to more possibilities and encourage us to move in new and exciting directions.

How can you attain a better outlook on life?

It all has to do with the way you see yourself.

Having a positive and outgoing attitude is the key to changing your self-concept, boosting your income, and improving your life.

Here are some techniques you can use to boost your attitude:

1. Get control. Figure out the things that make you unhappy and find ways to change them for the better.

A positive outlook can change everything in your life – you just need to believe in yourself first.

Loving yourself is the only way you’re going to allow others to see you in a positive light as well.

If you project negativity, you’ll be viewed as a negative person.

Realizing you can’t control how others think and feel about you is critical to getting control of yourself.

You have the power to work on ways to make yourself happy.

Avoid doing something for the sole purpose of making someone else happy.

It must be about you. This isn’t about being selfish; it’s about being true to you.

2. Change the way you think. Negative thoughts beget negative actions.

Make a conscious effort to change the way you react and deal with situations.

Look for the silver lining instead of focusing on the negative attributes of situations and people. 

If you think positively, you’ll act positively.

Those positive thoughts and actions will keep many anxieties at bay.

Through positive thoughts and actions, anything can become a reality.

3. Be your own cheerleader. You’re your own best cheering section.

So many times in life, the things we do go unrecognized by others, whether it’s at home or work.

When this happens, step in and praise yourself!

Private affirmations can make you feel better about yourself when others fail to verbalize their gratitude.

By actively projecting a positive outlook of yourself, you will push yourself further to do better the next time.

Doing so will also bring you the confidence to explore more areas in life.

4. Dream it into reality. Misery loves company, and if you believe you’ll never achieve anything, you can create a self-fulfilling prophecy.

Dream big and dream often!

Figure out what you want in life, and set your dreams into motion.

Want a better job? Take the necessary steps to make it happen.

You’re the biggest obstacle holding you back.

A positive attitude can change your job situation, relationships, and life.

If you feel better about yourself, other people will feel the good vibrations you’re giving off.

You’ll appear more confident and have a better chance of taking on whatever life throws at you.

If you believe in yourself, you can continue to accomplish bigger and better things.

Whether you’re working to advance yourself in your present job or starting an entirely new career, your self-confidence and positive attitude will increase your income.

Your fresh outlook will energize your work and stimulate your creativity.

As you continue to boost your attitude on a daily basis, you’ll see that your optimism will soon lead you to bigger and better income opportunities as well!

How important is having a good attitude despite the things we encounter in life?

How can being positive help make you feel better during hardships?

Talk about that in the Personal Growth Cafe Community!

Also, as your gift for taking this to heart – and this is profoundly important… to us ALL – go to and do the Uniting Planet Earth 7-Day Quick-Start Ignition Program… and Allow it to Transform Your Life.

Before you leave…

Please share the link to this post on your Facebook, Twitter, etc., and like it, and comment right here – THANKS!

How to Save Money During a Recession 

Whether you want to admit it or not, there’s a global recession happening, and it’s affecting millions of families.

People are being laid off, companies are going under, and even some state governments are completely broke.

Finding ways to cut back on your spending can help you during this difficult economic period.

Saving money is always good, but it’s a skill that becomes especially important during a recession.

How can you save money during a recession?

It’s all about planning, cutting frivolous costs, and changing the way you spend money.

Here are some handy tips you can use to help you save money:

1. Pay important bills first. The mortgage, electricity, water and heat have to be paid no matter what.

2. Save Money on groceries. Groceries are a huge, yet necessary, expense. After the bills are paid, most of the budget will fall into the groceries category.

Buy generic rather than name brands. They usually taste just as good but cost less.

Buy non-perishable foods in bulk. Many items can be bought in bulk such as rice, canned foods, and frozen foods.

Never shop on an empty stomach. Eat before grocery shopping; otherwise, you’ll wind up buying more junk and convenience foods because you’re hungry.

Make a list of what you need and stick to it. It really is that simple!

Cut and use coupons. 10 for $10 deals and sale items are your friends.

Combining coupons with sales can slash your grocery bill even more.

Avoid shopping at expensive stores, even if they’re closer to home.

Instead, go a few miles out of the way for the discount grocery stores.

Most items in the store are exactly the same thing, other than the price tag.

3. Rent movies instead of going out. Have a movie night once a week.

Sit down with some popcorn (the kind you pop on the stove) and watch a movie.

This is a great way to spend quality family time, without much expense.

4. Put the credit card down. Credit purchases may get your “stuff” now, but you’ll pay double for it later.

If you want something, save up and pay cash or wait. 

5. Cook at home. If you go out to eat two or three times a week, cut back to once every two weeks or once a month. Instead, learn to cook at home.

If you plan ahead and cook in quantities, you’ll save time and money by popping the extra portions into the freezer.

6. Unplug. If there are things in your house plugged into the wall and you aren’t using them, unplug them.

Many items, like computers and phone chargers, draw electricity whether they’re on or not.

Plug it in when you need it, then unplug it when you’re done.

7. Lower your thermostat. Set your thermostat at a specific temperature and leave it there. 68 to 70 is an energy-saving setting in the winter.

If you get chilly, put on a sweater or grab a blanket. You’ll save more than you realize on your heating bills.

These are just some of the many ways to save money and stretch your dollar a bit further during these challenging times.

These tips require a change to your habits, which can take some getting used to.

In time, however, you’ll adjust and the money you save can make a big difference in your budget.

It’s important to stick with your plan to save money.

Making a change for a week won’t do the trick.

Committing to changing bad habits for good will reap the greatest benefits in the long run.

What money saving strategies are you currently doing?

How does budgeting well help you live happier?

Talk about that in the Personal Growth Cafe Community!

Also, as your gift for taking this to heart – and this is profoundly important… to us ALL – go to and do the Uniting Planet Earth 7-Day Quick-Start Ignition Program… and Allow it to Transform Your Life.

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