Prosperity Trek by Prosperity Concierge » Spending

Special Situations: Live Within Your Means: Reduce College Education Costs

Prosperity Concierge — Mon, 11 Jul 2011 03:00:18 +0000

The terrain: Prosperity Quadrant IV (negative cash flow; positive net worth). The trek: To improve cash flow and use net worth to supplement income. This activity on the trek: Reduce college education costs. This activity suitable for: Families that have someone in college or planning for future college expenses. Difficulty rating: Moderate to Difficult

College costs are rising,

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Cash Flow: Live Within Your Means: Reduce College Education Costs

Prosperity Concierge — Sun, 10 Jul 2011 21:11:28 +0000

The activity: Reduce college education costs. The trek: Improve cash flow. The terrain: Prosperity Quadrant I (negative cash flow; negative net worth). This activity suitable for: Families that have someone in college or planning for future college expenses. Difficulty rating: Moderate to Difficult

College costs are rising, student debt is mounting, and most Americans say college fails to

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How to Hurt Your Credit Score Without Really Trying

Prosperity Concierge — Tue, 19 Apr 2011 17:55:18 +0000

You don’t have to put a lot of effort into it to hurt your credit score. Just a misstep or two is all that’s required.

Let’s look at a few ways your credit card could get dinged.

Paying Late

Credit card companies are notoriously prickly about late payments — even a payment that’s late by a few

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How to Reduce Property Taxes

Prosperity Concierge — Fri, 09 Apr 2010 22:24:32 +0000

Even if the housing market softens, many homeowners are discovering one place where their property values remain at peak levels: on local property-tax rolls.

Because many local governments assign values to properties in their jurisdictions only once every three or more years, many homes still carry assessments from the market’s peak.

Some of these valuations are only now being

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Trek IV: Special Situations: Live Within Your Means: Introduction

Prosperity Concierge — Fri, 09 Apr 2010 02:19:30 +0000

We’ll focus on two types of steps for the “live within your means” part of the trek.

Earning Steps understanding how we can add value in what we do career moves we can make that will improve our income strategies that we can use to find a job creative ways to improve our income stream Spending Steps understanding the factors that

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Cash Flow: Live Within Your Means

Prosperity Concierge — Tue, 06 Apr 2010 00:38:00 +0000

The activity: Explore how to live within your means. The trek: Improve cash flow. The terrain: Prosperity Quadrant I (negative cash flow; negative net worth). Difficulty rating: Easy

This portion of the trek has activities to live within your means.

Activities to Earn understanding how we can add value in what we do career moves we can make that will improve our income strategies that

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Free Products and Services to Improve Your Lifestyle

Prosperity Concierge — Tue, 17 Nov 2009 18:43:50 +0000

Reduce your spending, freeing up cash from your cash flow to reduce your debt, getting debt relief and keeping you moving toward prosperity. Save money and improve your lifestyle – for free!

Free TV and Movies At Hulu.com, you can watch full episodes of more than 300 shows from NBC Universal and Fox stations, including The Simpsons,

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Trek IV Special Situations: Lower More Home Energy Costs

Prosperity Concierge — Sun, 01 Nov 2009 20:50:21 +0000

To save even more money on energy costs at home these are steps that can produce substantial savings:

Add insulation to the attic. Make sure you have 10″ to 12″ of insulation between joists in your unfinished attic floor. If you have a pull-down door to the attic use an attic tent made of fabric-covered insulation that allows you to

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Cash Flow: Live Within Your Means: Reduce Home Energy Costs (Part III)

Prosperity Concierge — Sun, 01 Nov 2009 20:47:23 +0000

The activity: Reduce home energy costs. The trek: Improve cash flow. The terrain: Prosperity Quadrant I (negative cash flow; negative net worth). Difficulty rating: Moderate to Strenuous

To save even more money on energy costs at home these are steps that can produce substantial savings:

Add insulation to the attic. Make sure you have 10″ to 12″ of insulation between joists

Continue reading Cash Flow: Live Within Your Means: Reduce Home Energy Costs (Part III)

Trek IV Prosperity: Reduce Your Credit Card Debt

Prosperity Concierge — Tue, 29 Sep 2009 23:23:16 +0000

Do you have credit card debt that has a interest rate that is high (for example, 9% or higher)? If you do, then your savings strategy should be to pay down that debt.

If your interest rate is high on your credit card debt, more than 9% for example, use any extra savings to pay down

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Trek III: Reduce Credit Card Debt

Prosperity Concierge — Tue, 29 Sep 2009 23:16:52 +0000

Do you have credit card debt that has a interest rate that is high (for example, 9% or higher)? If you do, then your savings strategy should be to pay down that debt.

If your interest rate is high on your credit card debt, more than 9% for example, use any extra savings to pay down

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Trek II: Reduce Credit Card Debt

Prosperity Concierge — Tue, 29 Sep 2009 23:13:22 +0000

Do you have credit card debt that has a high interest rate (for example, 9% or higher)? If you do, then your savings strategy should be to pay down that debt.

If you have a high interest rate on your credit card debt, more than 9% for example, use any extra savings to pay down the

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Trek IV Special Situations: Lower Transportation Costs

Prosperity Concierge — Wed, 19 Aug 2009 03:18:19 +0000

Consider these changes to save money on transportation costs. Owning a car is a significant expense for most

Cash Flow: Live Within Your Means: Reduce Automobile Costs (Part II)

Prosperity Concierge — Wed, 19 Aug 2009 03:01:07 +0000

The activity: Reduce your automobile purchase and maintenance costs. The trek: Improve cash flow. The terrain: Prosperity Quadrant I (negative cash flow; negative net worth). Difficulty rating: Moderate to Strenuous

Consider lifestyle changes to save money on transportation costs. Owning a car is a significant expense for most families. So it makes sense to improve cash flow by looking for

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Trek IV Prosperity: Lower Your Credit Card Interest

Prosperity Concierge — Tue, 18 Aug 2009 03:28:53 +0000

Check with your lender to get a low-interest credit card. Talk to your lender to get a lower interest rate if you have a credit card balance and a FICO score greater than 720.

Credit card companies want to keep customers, especially customers with high FICO scores who have outstanding balances. If you’ve paid

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Trek III: Lower Your Credit Card Interest

Prosperity Concierge — Tue, 18 Aug 2009 03:23:45 +0000

Check with your lender to get a low-interest credit card. Talk to your lender to get a lower interest rate if you have a credit card balance and a FICO score greater than 720.

Credit card companies want to keep customers, especially customers with high FICO scores who have outstanding balances. If you’ve paid

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Trek II: Lower Your Credit Card Interest

Prosperity Concierge — Tue, 18 Aug 2009 03:18:20 +0000

If you have credit card debt you may be eligible for some debt relief by getting a lower interest rate. Check with your lender to get a low-interest credit card. Your lender may be especially willing to help you lower your interest rate if you have a credit card balance and a FICO score greater

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Trek IV: Enrichment and Fulfillment: Debt: Debt Payoff Plan

Prosperity Concierge — Mon, 17 Aug 2009 01:17:27 +0000

This step on your prosperity trek… This is an action step for families that have outstanding debt. This step will improve cash flow and build net worth by reducing interest expense and debt liability. Difficulty rating: Moderate

This step will give you some information to help you create a plan to get debt relief as you reduce your debt.

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Trek III: Wealth and Prosperity: Debt: Debt Payoff Plan

Prosperity Concierge — Mon, 17 Aug 2009 01:12:12 +0000

This step will give you some information to help you create a plan to get debt relief as you reduce your debt.

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Trek II: Net Worth: Debt: Debt Payoff Plan

Prosperity Concierge — Mon, 17 Aug 2009 00:54:51 +0000

This step will give you some information to help you create a plan to get debt relief as you reduce your debt.

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