Prosperity Treks

How to Hurt Your Credit Score Without Really Trying

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

Continue reading How to Hurt Your Credit Score Without Really Trying

Categories: General Spending Tips, Reduce Debt | Leave a comment

Free Products and Services to Improve Your Lifestyle

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,

Continue reading Free Products and Services to Improve Your Lifestyle

Categories: General Spending Tips | Comments are closed

Automate Your Banking

This is activity 17 of 30 in the Special Situations in Prosperity Quadrant IV trek.

Simplify your life and save money by automating your bill paying. Paying your bills automatically won’t in itself make you rich. But you will save some time and some money. It saves you time because you won’t have the hassle of writing a check and mailing it in.

Consider these options to automate your bill

Continue reading Trek IV Special Situations: Automate Your Banking

Categories: General Spending Tips, Trek IV Special Situations | Leave a comment

Special Situations: Live Within Your Means: Reduce Routine Purchase Costs

This is activity 11 of 30 in the Special Situations in Prosperity Quadrant IV trek.

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 routine purchase costs.
Difficulty rating: Easy

Coupons and buying in bulk are easy ways to save money when buying routine purchases for products or services we buy on a

Continue reading Special Situations: Live Within Your Means: Reduce Routine Purchase Costs

Categories: General Spending Tips, Trek IV Special Situations | Leave a comment

Cash Flow: Live Within Your Means: Reduce Routine Purchase Costs

This is activity 11 of 31 in the Improve Cash Flow in Prosperity Quadrant I trek.

The activity: Reduce routine purchase costs.
The trek: Improve cash flow.
The terrain: Prosperity Quadrant I (negative cash flow; negative net worth).
Difficulty rating: Easy

Coupons and buying in bulk are easy ways to save money when buying routine purchases for products or services we buy on a routine basis.

Coupons

When you know what product you want for a routine purchase, look for coupons in

Continue reading Cash Flow: Live Within Your Means: Reduce Routine Purchase Costs

Categories: General Spending Tips, Trek I Improve Cash Flow | Leave a comment

Trek IV: Special Situations: Live Within Your Means: Spending Money Makes Us Happy

This is activity 4 of 30 in the Special Situations in Prosperity Quadrant IV trek.

This step on your prosperity trek…
This is an informational step.

Spending money makes us happy.

One reason we find happiness in shopping is that we are never really satisfied with what we currently have.

There is a term called “hedonic treadmill” that refers to our constant need to obtain the hedonistic happiness we get from buying things.

The hedonic

Continue reading Trek IV: Special Situations: Live Within Your Means: Spending Money Makes Us Happy

Categories: General Spending Tips, Trek IV Special Situations | Leave a comment

Cash Flow: Live Within Your Means: Spending Money Makes Us Happy

This is activity 4 of 31 in the Improve Cash Flow in Prosperity Quadrant I trek.

The activity: Explore why we like to spend money.
The trek: Improve cash flow.
The terrain: Prosperity Quadrant I (negative cash flow; negative net worth).
Difficulty rating: Easy

Spending money makes us happy.

One reason we find happiness in shopping is that we are never really satisfied with what we currently have.

There is a term called “hedonic treadmill” that refers

Continue reading Cash Flow: Live Within Your Means: Spending Money Makes Us Happy

Categories: General Spending Tips, Trek I Improve Cash Flow | Leave a comment
 
  Older Entries »