Category Archives: Your Finances
Watch “Increasing Your Income 1000% Formula” on YouTube
Brian Tracy shares some useful organisational tips on becoming more productive with your day. He is coming from a financial mindset, but you can apply the principles for anything like homeschooling, your job,your business or our own personal learning.
Rachel
$100+ OF GOODIES FOR ONLY $5.97!!!!!
This must be the sale of the century! over $100 worth of ebooks, audio workshops and downloadables for only
$5.97–TODAY (July 30, 2008) ONLY – after that it will be $8.97
Here are the wonderful products that are included :
**Supermarket Savings 101: Learn How To Drastically Reduce Your Grocery Bill! ($17.97 value!) Six audio downloadable audio lesson. 57-page downloadable handbook
**Simple Tips for Successful Home Management – Volume 1 ($5.97 value!) 32 pages. Instantly downloadable ebook.
**What to Do While Waiting for Prince Charming: Encouraging Young Women and Their Parents in the Incredible Potential and Possibilities for Unmarried Women ($3.97 value!) MP3 Audio Workshop by Crystal Paine
**What My Parents Did Right: Encouragement for Weary Parents from a Grateful Homeschool Graduate ($3.97 value!) MP3 Audio Workshop by Crystal Paine
**A Proper Tea ($6.97 value!) 33 pages. Instantly downloadable ebook.
**Make Your Own -Simple Crafts and Decorating ($6.97 value!) 65 pages of detailed instructions and illustrations and color pictures. Instantly downloadable ebook.
**Simply Centsible Breakfasts ($4.97 value!) 17 pages. Instantly downloadable ebook
**How to Start Your Own Business ($15.97 value!) 80 pages. Instantly downloadable ebook.
**Menu Planning Made Easy! ($5.97 value!) 54 Pages. Instantly downloadable ebook.
**Homegrown Business ($15.97 value!) Over 80 pages. Instantly downloadable ebook.
**In Good Season: Autumn ($6.97 value!) 41 pages. Instantly downloadable ebook.
**The Bread by Hand eBook ($4.97 value!) 43 pages with illustrations. Instantly downloadable ebook.
**Momma’s Guide to Growing Your Groceries ($7.97 value!) 69 pages with illustrations. Instantly downloadable ebook.
**Simply Centsible Suppers ($4.97 value!) 20 pages. Instantly downloadable ebook.
**Thriving on One Income ($7.97 value!) 80 pages. Instantly downloadable ebook.
What a deal!!!!!!!!!!!!!!!
CLICK HERE! to find out more.
Rachel Larkin
Do you want to learn how to make money from home?
That is a dream for a lot of stay at home mums isn’t it? To be able to start up a business from home and grow it until it becomes the main source of income and then Daddy can leave his job to join you.
Well, it doesn’t have to be “pie in the sky”. I have joined a online community called Entrepreneurs At Home – EAHLive which is committed to helping each other start a business or investments and continue to grow.
Here is a short blurb about what EAHLive is all about-
Are You Ready to Learn How to Educate Your Kids (and Yourself!) To Use Your Natural Abilities to Serve God and Others and Make All the Money You Need, All from the Comfort of Your Home?
Well, if you are, boy have we got a community for you!To break out of the Rat Race, you need to do 3 things:
1. Get vision for what God wants you to do
2. Get specific education so you can do it
3. Take action because nothing will happen if you don’t change what you’re doing now.Our online community focuses on giving families practical cutting-edge education and continual encouragement in areas such as real estate, ebay, and the Internet that you won’t find just anywhere. Ask your questions in our 24/7 international forum. Read tons of our success stories. Check out our Recommended Resources to cut your learning curve by years!
If you are ready to do something different, you’ve come to the right place! We can help you like we’ve already helped thousands of others realize that God wants more for you than to focus on paying that power bill every month. He has a job for you to do and we want to help you figure out what it is, then get empowered to do it!
So if you’re ready to get started, join our community now! We’re going places!
Here is the link -EAHLive
Go and see for yourself! Once you become a member there are tons of articles, instructional videos and an incredible forum which is perfect for asking questions from those who have been where you are right now. Just reading the forum questions and answers is an education in itself.
Living On A Dime St Patricks “Savin’ O’ The Green” SALE!!!
You have got to check out the Living On A Dimes St Patricks “Savin’ O’ The Green” SALE!!! It is such good value for money.
For this week only, get the “Savin’ O’ The Green” e-book Package, including 13 of the popular Living On A Dime e-books (normally valued at $87) for only $17!
That was only $17 – that’s right just $17 for the following ebooks
Grocery Savings e-book
Cleaning Cents e-book
Kids Cents e-book
Debt Free Holidays e-book
Gifts In A Jar e-book
Menus On A Dime e-book
Plan Ahead Leftovers e-book
Quick Dinners e-book
Menus That Make Cents e-book
Pretty for Pennies e-book
Moving On A Dime e-book
Valentine’s Day On A Dime e-book
That was $17 for 13 books!
tid=MDXN6ZK1″ target=”_top”>Click Here to find out what is in each ebook!
BUT THERE IS MORE! you also get-
Free Bonus Offers
“Shopping Cart of Grocery Savings Tips” e-book from Ed Hladkowicz at MyGroceryDeals.com and from Gary Foreman at TheDollarStretcher.com
“Birthday Traditions” e-book from Shiloah Baker at HomemakingCottage.com
“God’s Word on Communication” e-book from JoJo Tabares at ArtofEloquence.com
“What To Do When Your Daughter Hates Being in the Kitchen” e-book from Kathy Brodock at TeachingGoodThings.com
You get all this, including 17 money-saving e-books, a $119 value for only $17 when you purchase the “Savin’ O’ The Green” package during this special promotion!
PLUS Here are 2 additional St. Patrick’s Day e-books just for fun!
Extra St. Patrick’s Day Free Bonus
“St. Patrick’s Day: Not Just for the Irish” e-book from Nicole Dean at MenuPlanningCentral.com
“St Patrick’s Day Coloring Pages” e-book from Nicole Dean at MenuPlanningCentral.com
This is the best deal that I have come across – here is the link again to view more details and how to buy now-
tid=MDXN6ZK1″ target=”_top”>Click Here!
Remember that this is only good for this week! – ends March 21st 2008.
Do You Want To Make Money From Home?
We all do don’t we? We hear of these “select” few who rake in money working from home. Well I have joined a membership site called Entrepreneurs At Home which helps you (especially homeschooling families) create a business from home.
It is fill with really useful articles and it has a forum where you can ask questions and gather ideas to help you achieve your desire to earn money from home. It is like a community – you get to know people and their failures and successes as they start on the adventure of earning money from home.
There is extremely helpful information on how to start blogging and all that techie stuff as well as the marketing stuff. It is well worth the investment. Especially since more ebooks, audios and articles are in the pipeline to come.
Interested? – have a look at the site here -”EAHLive“
I am sure that your membership will be repaid if you action some of the ideas that you will find there!
My Secret For Achieving The Best Year Yet!
I hope that the Christmas and New Year break has been a relaxing and a rewarding one, spending time with family. Apparently we have had the driest summer on record! The grass is proof of that – brown as.
Today, I want to stir you up to expect and dream for this coming year. We all have dreams, some of them are unspoken, some have been discarded, and some we are yet to imagine. Without a dream or vision, we are just getting through life; basically surviving. God doesn’t want us to JUST survive – He wants us to dream and move towards an aim or goal in our lives.
What are your aims this year?
What would you like to achieve?
I usually have loads of aims and things that I would like to do. BUT I never seemed to get around to doing anything or maybe life just got in the way. Every year I would sit down and review my past efforts and become very discouraged. What is the point in even writing down goals? I never seem to achieve even a portion of what I dream about.
Over the past few weeks, I have spent quite a lot of time talking to God about this. He has shown me a SECRET to achieving my dreams. I will get to the SECRET in a moment. But first I want to share with you what I was doing wrong. God revealed it to me while I was reading James 1 v 6b – 8
For the one who wavers (hesitates, doubts) is like the billowing surge out at sea that is blown hither and thither and tossed by the wind. For truly, let not such a person imagine that he will receive anything [he asks for] from the Lord,[For being as he is] a man of two minds (hesitating, dubious, irresolute), [he is] unstable and unreliable and uncertain about everything [he thinks, feels, decides]. Amp
Two words literally jumped off the page. “Dubious” and “irresolute”. They aren’t words that we use freely these days are they? So I took the time to look them up-
Dubious: hesitant, uncertain, doubtful, sceptical, unsure, undecided, irresolute.
Was I sceptical about achieving my goals? Was I so full of doubt that I didn’t really believe that I had it in me to gain the victory? It started to look like sabotage – I was sabotaging my own dreams! Let’s move onto the word “irresolute” -
Irresolute: unable to make up your mind.
Well, I thought – that is strange, I thought I HAD decided to accomplish certain things. Hadn’t I wanted to lose weight? Hadn’t I wanted to write? Hadn’t I wanted a closer relationship with my husband? Wasn’t that making up your mind? But this was only half the meaning – the negative side. I then looked up the flip side –the meaning of resolute.
Resolute: unshakeable, unwavering, unswerving, determined, single-minded, firm
Ah! Now the lights were turning on! If I had made up my mind on a goal or made a decision to do something then I would have been UNSHAKEABLE – nothing could change MY course of action. I would be so determined to achieve -it would be inconceivable that I would fail. If my “mind was made up” then I wouldn’t be in “two minds” that James is talking about. Being in “two minds” is disastrous. You can not achieve anything in “two minds”.
Now here comes the secret – this is what God wanted me to know, the reason why some people achieve and others don’t. It comes down to …DETERMINATION!
Wishing and wanting just doesn’t cut it. Desires and dreams just stay a “what if?”, when there is no determination behind it. Here’s a great verse which has great imagery –
“Never lag in zeal and in earnest endeavour, be aglow and burning with the Spirit serving the Lord” Romans 12 v 11
That sure sound determined to me! Okay so what does “determine” mean?
Determine: to settle ultimately, to fix on, to settle or establish, and to resolve
Now there is no argument here, this meaning is pretty clear – to determine is to SETTLE FOR GOOD on what you want to have happen. That is determination! You have made up your mind to inject love into your marriage relationship and nothing is going to get in your way. That is determination! You have resolved that you will lose x amount of pounds this year and that chocolate calling your name is not going to get you. (Now for some reason, yummy fattening food like chocolate is my biggest downfall and I can get determined about most things …but losing weight and giving up chocolate is hard but with God’s help nothing, NOTHING is impossible – watch this space!)
You (and I – I so need this as well) MUST get so determined about the dreams that God has placed in your heart that you decide once and for all and then set your mind on it – you get so fixated on making it happen. God talks about this in Colossians 3 v 2 “Set your minds and keep them set on what is above (the higher things) not on the things that are on earth”
You are not in this alone, God has promised to help you and inject determination into your hearts and strengthen your minds so they can be set upon achieving your goals.
So stir yourself up, sharpen those pencils, and write down those dreams and goals. Pick ONE DREAM, ONE GOAL and become completely determined to achieve it!
To give you a head start,YOU are INVITED to type in your one DREAM or GOAL in the comments area below. I would LOVE to hear what you all are aiming for! Let’s encourage each other towards achieving at least one dream or goal in 2008.
Here’s to the best year ever!
Rachel Larkin
Don’t Have Enough?
Do you think that you DON’T have enough? You don’t have enough money – always seem to be struggling?
Do you think that you DON’T have enough energy?
What about your parenting? – Never enough patience or wisdom to deal with those daily issues that pop up?
How about the homeschooling? – Do you feel like you are not making it? You haven’t got enough resources or knowledge of what to do next?
What about you and God? Do you feel inadequate to obey Him? Is there a lack of desire to read His word? to worship Him?
Well, have I got the verse for you today -
And God is able to make all grace abound to you, that ALWAYS having ALL sufficiency in EVERYTHING, you may have an ABUNDANCE for EVERY good deed
2 Corinthians 9 v 8 NASB
That is the truth – As a child of God you have enough and even MORE to perform your daily tasks. He has promised us that in everything – homeschooling, parenting, healthy eating – EVERYTHING that HE has given us what we need. He is our source of energy, power, strength, wisdom, knowledge to get what we have on our to-do list done.
SO why are we not accessing this sufficiency in Christ?
Maybe you are trying to do everything in your own steam. Have you asked God daily to plan your day? Have you put Him first in your homeschool, in your day?
Maybe what you are trying to do isn’t what God would have you do – maybe it is the wrong task or maybe it is the wrong timing.
Let’s get back to God’s plans – because when we are fulfilling God’s daily calling on our lives then we will have everything we need to work it out. EVERYTHING – we will be lacking for nothing in fact we will have extra left over for more good works – AWESOME!
Rachel Larkin
The Total Money Makeover By Dave Ramsey Part Two
Here is the guts of the book – 7 Baby Steps to Financial Freedom
Step One: Set up a $1,000 Emergency Fund
Step Two: Pay off all debt using the “Debt Snowball” method (except the house)
Step Three: Build up your Emergency Fund to be able to cover 3 – 6 months expenses.
Step Four: Invest 15% of Gross Household Income for retirement
Step Five: Start up a college fund for your children
Step Six: Pay off your home mortgage early
Step Seven: Build wealth (through Mutual Funds and Real Estate) and give!
So which step are you on?
We are on Step Three – to build an Emergency Fund from $1,000 to 6 months expenses. Dave suggests that those who are self-employed build their fund to 6 month expenses due to the flucuation of regular work and the risk of injury and illness to the business.We did our sums and 6 months expenses seems like a lot of money to be sitting there so we are going to aim for 3 months.
It seems a bit funny to build up a fund that will sit there for emergencies when we are trying to save for a deposit on a house – but it after reading Dave Ramsey’s book it is starting to make sense to have such a fund. I can just imagine good ol’ Murphey turing up (you know Murphey’s law) and all sorts of unexpected bills could arise once we had committed ourselves to a high mortgage!
Happy Saving!
Rachel Larkin
The Total Money Makeover By Dave Ramsey
The Total Money Makeover – is inspiring and gave me the motivation I needed to start my Money Plan. It is a very easy read with loads of real life examples.
The first half concentrates on myths that we all believe that stop us from moving forward in our finances.
Here are some comments from Dave-
1. Debt is NOT a tool – Debt brings on enough risk to offset any advantage that could be gained through leverage of debt.
2.Do not LOAN money to friends or relatives – the relationship will be strained or destroyed. One party will be the master then other a servant.
3.Do not CO-SIGN (Guarantee in NZ) a loan- be ready to repay the loan – the bank wants a co-signer for a reason, which is that they don’t expect the friend or relative to pay.
4. Stay away from Rent to Own deals!
5. Pay cash for everything -i.e. Cut up the credit card , no HP’s, laybys or delayed payments. Dave does allow a mortage but only if you have a 15 yr term. He wants you to live debt free.
6.Don’t give your teenager a credit card.
There is many more – I encourage you to buy a copy OR borrow it for free from your local library!
Rachel Larkin
