How Can I Make More Money, Owe Less, Save More, AND Be Happy?

Here are 5 steps that will allow you to earn more, owe less, save more, and keep enjoying life every year.
1) Live within your means.

If you make $100.00 then $100.00 is your means, not $110.00. Accept the fact that $100.00 is what you have to spend, even though lenders may tell you that you can live like you make $110.00 with their loans and credit lines.
2) Grow your income.
When your means are $100.00, but you want to live a $150.00 lifestyle, you need to expand your means, not your credit limit. You can grow your income by marketing something of value and leveraging it into income. Think about how you can earn more by marketing yourself (your skill or expertise), your product, your service, or your solution to a problem.

3) Pay less than everyone else.
Regardless of what it is you want to buy, it or its’ equivalent, can often be found somewhere else for less than most other people are paying. Paying less than everyone else is a big part of advancing financially. There are many resources to help you find a better deal while meeting your needs. Click here to learn how to pay less.

4) Be financially proactive.  
Letting things go is a great way to lose ground financially. Appliances, cars, shoes, hard drives and even you wear out. Yes, preventative maintenance takes time and effort. However, the financial costs of unexpected breakdowns, replacements, and missed opportunities far outweigh the maintenance efforts you make.  

5) Solve costly problems (without money).
The government has often been accused of throwing more money at problems in order to solve them. Unfortunately, many people do the same thing. All of us will be challenged with problems, but how much we each spend to solve them makes a big difference in our financial well being. Learning “do it yourself” skills can save you from many expenses. Get creative in finding non-monetary solutions to problems that arise.


Sally Turned Cookie Dough Into Dollar Dough!

Sally G. in Cleveland, Ohio took a non-credit cookie decorating class at the community college in May for $35.00. She loved the class and was told she seemed to have a real knack for unique cookie themes! She practiced her new craft all summer long, much to her family’s delight.

In early December she made 10 dozen of her creations to sell at her church’s seasonal fundraiser. While her friends complimented her creations, her cookies were sold out within the first 2 hours! One of the purchasers was a local grocer. He asked Sally if she would be willing to sell Christmas cookies in his store during the week of Christmas on consignment. She agreed. By the end of the week she had sold over 1,200 cookies.

Her cookies sold for $6.00 per dozen. Each dozen cost her $2.00 to make, $2.00 went to the grocer, and $2.00 per dozen was Sally’s profit! She made $200.00 that week. Sally had increased her “means”, was paying less then everyone else for cookies (her actual cost per dozen was $2.00, customers paid $6.00), and had solved a costly problem without using more of her own money (she gave her highly coveted Christmas cookie trays as gifts)!



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The Quarter Roll is published to provide personal insights and opinions on everyday ways of saving and managing money, budgeting, and reducing debt. The Quarter Roll does not give professional accounting, legal, or investing counsel. The ideas, examples, and advice presented on this site are solely the opinion of the authors based on his or her personal experiences. All photos courtesy of The Quarter Roll, iStockphoto, or Dreamstime. © All rights reserved. This site is best viewed when using Adobe Flash Player. the quarter roll magazine financial entertainment