Time to Wake up: Save Money and Get Out of Debt
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About this ebook
Are you ready for positive change?
Let’s go together to this journey and you will see that saving money and getting out of debt is not hard. In fact, it is simple and can be fun. I will guide you step-by step to creating your own Financial Victory List and show by calculations how easy it is to save $10,000 (can you beat my Financial Victory List?).
Some people would think about saving money as being miserable, greedy, depriving themselves of all things they like to do and put every spare change away, for “dry times”. In reality, saving money is a game with your own rules. You can do it!
It has been widely suggested that obesity comes from junk eating. As a matter of fact, gaining weight comes from “junk thinking”. Inability to save money comes from “junk thinking”, too.
Nobody can do it for you except yourself! So, it is time to save money and get out of debt!
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Time to Wake up - Lawrence Burns
TIME to WAKE UP:
SAVE MONEY and GET OUT of DEBT
Lawrence Burns
Smashwords Edition
Copyright © 2014 by Lawrence Burns
All rights reserved. No part of this publication may be reproduced, distributed or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the author, except in the case of brief quotations embodied in reviews.
Smashwords Edition License Notes
This e-book is licensed for your personal enjoyment only. This e-book may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your enjoyment only, then please return to Smashwords.com or your favorite retailer and purchase your own copy. Thank you for respecting the hard work of this author.
Disclaimer
The material in this publication is of the nature of general comment only, and does not represent professional advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not take action on any matter which it covers. Readers should obtain professional advice where appropriate, before making any such decision. Therefore, if you wish to apply ideas contained in this book, you are taking full responsibility for your actions. To the maximum extent permitted by law, the author and publisher disclaim all responsibility and liability to any person, arising directly or indirectly from any person taking or not taking action based upon the information in this publication.
Table of Contents
PREFACE
INTRODUCTION
1. MANAGING MONEY IS NOT EASY
Managing on a Low Income Is Tough
A Shower for the Soul
Denial Is Not a River in Europe
Set Goals and Stop Putting Money down the Drain
Action Steps
2. BUDGET ISO TRIANGLE
Saving Goals
Outgoings
Master the Family Budget
Action Steps
3. ARE YOU SPENDING MORE THAN YOU CAN AFFORD?
Salespeople are Not Your Friends
Spending Diary
Action Steps
4. TURN THE MONEY MARATHON INTO A WALK IN A PARK
Victory Savings program
4.1. Financial Commitments
Rent/ Mortgage/ Land Tax/ Rates
Loan Repayments and Credit Cards Interests
4.2. Utilities
Electricity/ Gas/ Water
Internet/ Phone/ Mobile Phone/ Paid TV/ Technology
4.3. Home
Insurance (Home, Content)
Home Maintenance and Repair
Household Cleaning
What doesn’t Kill Us Makes Us Weaker
Furniture/ Appliances
Clutter Control
4.4. Shopping
Generic Products
Food/ Fruits/ Vegetables
Your Family will Love you for it
Other Products
4.5. Health
Private Health Insurance
Gym/ Sporting Membership
4.6. Transport
The Family Car
Real Ways to Save Fuel
Service
4.7. Education
Child Care
School/ College Fees
Your Upskilling
4.8. Entertainment
Having a Great Time
Gifts
Visitors
Gambling/ Lotto
5. ARE YOU READY TO BEAT MY FINANCIAL VICTORY LIST?
Useful Online resources
Dedication
Preface
This book is written to benefit all people doing it tough for whatever the reason. It doesn’t matter whether you are pensioners trying to eke out your pension or you are a single living alone, a family, or a single parent. You are the only one who can save your money. Improving your financial situation is not rocket science. Just think carefully and stick to the money saving ideas. Success is not only possible; it is guaranteed and is based on your level of determination. I hear you asking, How can you say this?
The answer is, I know what I am talking about, I have done it all, and reached all my goals
. The content is not just a bunch of words written by an individual who read them somewhere and has never known what to want
really is. This book is based on personal real life experiences which have been tried and tested over a very long period of time.
My experiences of the entire spectrum of life are: from being a single and living alone, to a financially challenged family man, a solo parent, an unemployed family man, and finally becoming both a disabled and an age pensioner. The journey has been amazing on so many levels. Now I hope to share with you some of the discoveries that can help you improve your quality of life.
The road has often been painful but gave me a wealth of knowledge. Many mistakes were made; however, you can limit your pain by benefiting from my experiences. At the end of the day, I have my own fully owned home, a nice car and there is very little else in life I want or need apart from good friends and good health but no amount of money will buy either of them. So you see, no matter how tough it is or how dark it seems right now, there is always a silver lining as anything is possible if you apply yourself.
In reading on, do not expect that every element discussed under the following headings will apply to your situation. It won’t, and the reason for that is because this is not an individual plan for you personally based on in depth discussion and an individual analysis of your situation.
The content is written for the larger audience attempting to bring to all readers the maximum amount of helpful hints for saving money from your budget, therefore, allowing you to either save, or to use those monies in other areas.
I am totally unbiased: none of the websites/ software/ books offered in this book were selected in order to be compensated by their authors for promotions of their products.
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Introduction
We live in unusual times, in a society of high technology, of mass communications and of plastic money. We have for the first time ever manufacturing processes which have resulted in some prices falling by around 50% per annum while the