Prosperity Trek by Prosperity Concierge » General Spending Tips

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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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: Automate Your Banking

Prosperity Concierge — Tue, 11 Aug 2009 03:25:11 +0000

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

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Cash Flow: Live Within Your Means: Reduce Financial Costs

Prosperity Concierge — Tue, 11 Aug 2009 03:05:11 +0000

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

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

Prosperity Concierge — Sun, 12 Jul 2009 16:42:35 +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 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

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

Prosperity Concierge — Sun, 12 Jul 2009 16:28:07 +0000

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

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

Prosperity Concierge — Sun, 05 Jul 2009 20:36:23 +0000

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

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

Prosperity Concierge — Wed, 01 Jul 2009 05:04:10 +0000

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

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

Prosperity Concierge — Thu, 11 Jun 2009 17:32:15 +0000

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

The topics of “cash flow” and “living within one’s means” can’t be fully addressed without including the topic of “spending”.

Cash flow is comprised of two components: earning and spending. Since we can control making dramatic changes to spending much easier than making changes to our income

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