You Need a Budget

You Need a Budget

For years, my wife and I just winged it when it came to money. We paid the mortgage, car payments, utilities, and credit card bills. We spent whatever was left over on ourselves and it seemed we didn’t ever have any extra money. There was hardly ever a time that we weren’t out of money before the end of the month. The worst part about it was that we didn’t even know where all of the money was going. If you want to get ahead financially, you need a budget.

Our spending was way out of control. When the money was gone, the arguments started. I would spend some money on myself and my wife would feel like she should be able to spend the same amount and visa-versa. This often led to hurt feelings and more debt.

While we were going through the program, my wife and I started to write a budget. Let me tell you, this is the very difficult first step to financial independence. Trying to get two people on the same page about where all of the money should be allocated is hard – very hard! But, we were committed to the process and knew it was the only way to climb out of debt.

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Get Out of Debt

Get Out of Debt

Debt is bad! It can cause all kinds of problems from the occasional anxiety to financial ruin. Yet, millions of Americans are going into more and more debt every year. Debt is sold with the myth that you can have everything you want in life and pay for it later. This is a disastrous way of thinking. Borrowing money is one of the dumbest things you can do in life and it can rob you of major wealth and happiness. Maybe you stumbled upon this post and you need to get out of debt. The good news is – it’s never too late to get out of debt. Let me show you how you can succeed in getting out of debt.

Changing the way you look at money is really a key component of getting free from the bondage of debt. It takes a major attitude change on how you view money to really change your life. I wanted the best of everything. But, not many regular people have the promise of everything they want. Instead of looking at money as an object that should be spent, it needs to be looked at as a tool to build wealth. Yes, we all need to buy things to live, but if you are paying on cars, credit cards and student loans every month, you are giving up the tool that can potentially make you a lot of money. Money that you are using to pay off loans and debt now could have been worth a fortune with the right investments.

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Free Cash Back for Shopping Online

Free Cash Back For Shopping Online

I am always looking for ways to make or save money online. And, I’m always looking to shop online because I hate going to the store. Ebates Rakuten has made this possible by giving me get free cash back for shopping online.

With Rakuten you can still use coupon and promo codes with your purchase. This is not always to case with every cash back website.

Rakuten has a relationship with over 2,000 stores online.  Some of those stores include Amazon, Walmart, Nordstrom, Target, Expedia, and many, many more. I personally use Rakuten to book my air and hotel reservations through Expedia. What a way to save money!

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Driving for Lyft

Driving for Lyft

I have been driving for Lyft for a while now and there are some things that I have learned along the way. There is a lot of stuff that comes naturally, especially if you are a customer service oriented person. I try to go above and beyond for every passenger. Obviously you can’t and won’t please everyone but trying is a must. And of course, anything you can do to help yourself is important.

If you are thinking about driving for Lyft use this Lyft Driver Signup Bonus Link to get a bonus of up to $825.

Here are some helpful tips to keep passengers and driver happy.

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How Much Do You Make Driving for Lyft?

How Much Do You Make Driving For Lyft

I’ve have been driving for Lyft a while now and people often ask me how much money I make. This is kind of a tricky question. There is a rate card that Lyft provides that shows how much you make for every trip you accept. This is based on the area you drive in. For example, I live in the Los Angeles area I get $0.795 per mile plus $0.1275 per minute with a minimum rate of $2.625. There are also referral bonuses. These are bonuses you receive for every ride you give up to a predetermined amount. Use this Lyft Driver Signup Bonus Link to get a sign up to get a bonus of up to $825. For this example though, I’ll just use my average rate to figure how much you make driving for Lyft.

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