Tuesday, December 21, 2010

Following your Bliss: How much do you love your job?

Do you wake up in the morning excited to start a new day and get to work? Are you always thinking of new ideas or ways to overcome obstacles regarding your job or career?

Many of us still haven't figured out our bliss. What is the job that will not only pay the bills but will give you a sense of fulfillment?

I am one of the fortunate few who LOVE their job. I love the company I work with, I love the people I work with. I get to make my own schedule and work when I want to work. I get paid well for the work I do. I get to help others and love every second of it. And the best part, I get to be home with my kids full-time.

When you love what you do it's not a job anymore. It can bring you a sense of peace in your life. But first - you must figure out what you LOVE to do.

SO! What do you love to do?? What is your passion in life? You may have many passions. Is there a job out there that would match up with your bliss?

What are you good at?

Too many of us are associating our weekends or our time off work as our "happy time" and time for play and time to relax and enjoy life. How about if the time you spent AT WORK was your happy time? Wouldn't that be amazing?? You'd have Happy Time ALL OF THE TIME!

Happiness is found in what we do - not in what we DON't do.

Avoiding work and sacrifice will NOT lead you to a job you love. Working hard and making sacrifices are part of the solution. They will add to the bliss.


So - what would you like to do? what were you meant to do?
- Do you like helping people?
- Making a difference?
- contributing to a cause bigger than your own?
- owning your own business?

In a recent poll 61% of adults currently employed said they would rather own their own business rather than work for someone else.

BUT only 10% of adults are self-employed.

Are you one of the 61%? What is holding you back?

- don't know how to do it?
- don't have the money to start?
- can't take the risk?

Well I have the solution for you. Send me an email. I will show you an opportunity that has a very low start up cost, has a money back guarantee, there is NO RISK AT ALL, It's easy and I will show you step-by-step, you will be helping others, you will be contributing to a cause greater than yourself, you will be able to reach your goals and have your very own home business.

Amanda_J_Drover@hotmail.com

FOLLOW YOUR BLISS!

Monday, September 27, 2010

Just Believe

Friday, September 3, 2010

Would you like to supplement your current business?

Would you like to start working from home?

Do you have a current home business but would like to make even MORE money?

Email me your NAME and PHONE I will call you and give you info about how I have been working from home for 3.5 years.


* No inventory
* No collecting money or taking orders
* No delivering products
* No catalogs to buy and hand out
* No risk, No large investment
* very low start up cost

*** WORK ON THE PHONE AND ONLINE ***

NO HOME PARTIES!!!


Request Information TODAY! You'll be glad you did.

Amanda_J_Drover@hotmail.com

Tuesday, August 10, 2010

The Secret to Getting More Money

From The Secret Daily Teachings

If you have "needing money" in your vibration, then you will keep attracting needing money. You have to find a way of being happy NOW, feeling good NOW, and being in joy NOW, without the money, because those great feelings are how you will feel with the money.
Money doesn't bring happiness - but happiness brings money.

May the joy be with you,


Rhonda Byrne
The Secret and The Power... bringing joy to billions

Wednesday, April 7, 2010

Money: Getting out of debt

I'm on a mission to be debt-free, as are many people nowadays.

I have been reading about HOW to go about being debt-free. This of course has many steps and you really need to be on board with the entire idea.

Step 1 is to make a VISION BOARD or DREAM BOARD
This will help you to stay motivated to keep on going. If you are tempted to buy a new outfit, or get your nails done, or buy a new car or a new house - Look at your BOARD first. Think about what you are trying to accomplish, and the goals you'll be able to achieve.

Make fake credit card statements that have your name and say 0 balance.

Pick out the car you'd like to be able to buy IN CASH. Figure out how much you need to buy it.

Maybe you'd like to take a vacation to Italy. Well get some pictures of Italy, put that on your board. FOCUS on what you want to do - BE DEBT FREE.

WHAT ARE YOUR GOALS? Write them down. If you don't know your goals in life how do you know where you're going? You need a game plan, you need a road map.

WHY do you want to be debt free?
WHY do you have those goals?

Your WHY is a BIG DEAL and it will help to keep you motivated.

Step 2
This is the scary part. You need to write down all your loans, credit card balances, get the interests rates and balances, figure out how much you take in - how much you put out each month. This might deter you. It might bring you down. You might be thinking, WOW we are really in trouble we are spending more than we are making!

BREATHE

This is exactly the reason WHY you are starting this process so you can get RID of this worry and you can get all that weight off your shoulders. The weight of DEBT.

Step 3 ORGANIZE
Get folders, binders, filing cabinet whatever you can afford or get your hands on, whatever system works for you. Organize all your bills.

Put the phone wills with the phone bills.
The mortgage with the mortgage.
etc etc

It might take awhile to GET organized but once you are then it's easy to stay organized.

Have an area of the house where you put bills that are NOT PAID.
When they ARE PAID then FILE them away into their appropriate folder.

Getting organized is really quite uplifting and can help motivate you to keep going.

Step 4 - Make a list
of all your loans, credit cards, line of credits, mortgage, car payments, etc
It should include the name of the company, the balance, the interest rate, minimum monthly payment.
Keep this list somewhere safe and where you will not lose it.
When you pay off a loan or credit card, CROSS IT OFF the list it will feel AMAZING.

SO here is the big debate.

Do you pay the highest interest off first or the lowest interest rate?
Do you pay the higher balance or lower balance?

There are many theories about which one to choose...

Mathematically it makes sense to pay off the highest interest rate first. That way as you pay that one off you have more money available to put towards other balances.

Paying the LOWEST balance off first is very motivating though. You'll be able to cross those off your list faster.


So let's say you have:

credit card 1 $2000 balance 19% interest
credit card 2 $4500 balance 10% interest

2000 x 0.19 = 380 so you are paying about $380/year in interest
380 ./. by 12 = 32 so you pay $32/month in interest on this loan

C/C 2 You are paying $450/year and $38/month

In this case the lower balance IS the higher interest rate. So it makes perfect sense to pay that one off first.

So let's switch it around so you can see the difference.

C/C 1 $2000 balance 10% interest
C/C 2 $4500 balance 19% interest

C/C 1 you would pay $200/year in interest $17/month
C/C 2 you would pay $855/year $72/month

So by paying the highest interest off first that will give you extra money every month to THEN put towards the lower interest once the high one is paid off.

FOLLOW ME?

So let's say

MONTH 1 you put $300 on Credit Card #2 so then your balance is $4200
your interest goes down to about $66/month - you just found an extra $6/month

MONTH 2 you put another $300 on Credit Card #2 balance $3900
interest goes down to $62/month so you found another $4/month

MONTH 3 you put another $300 on Credit Card #2 balance $3600
interest $57/month - gave you an extra $5/month

So in just 3 months you found an extra 6 + 4 + 5 = $15/month
That's $180 a year!
If you want to be REALLY smart, open a savings account and put that extra money into the account.
Hey it's not much right now - but it's SOMETHING.



NOW let's switch it around and we'll pretend like we're paying the lower balance off first.

We'll take the SAME 2 credit cards:

$2000 10% interest $17/month interest
$4500 19% interest

MONTH 1 you pay $300 on C/C #1 So balance is then $1700
$15/month interest So you found an extra $2/month

MONTH 2 you pay $300 so balance is $1400
$12/month interest so you found extra $3/month

MONTH 3 you pay $300 balance left $1100
$10/month interest you found extra $2/month

2+3+2 = $7/month

So when you paid the highest interest off you found an extra $15/month in just 3 months.

But when you paid the lowest balance off you found only $7/month extra.

BUT you only have $1100 left on your lower balance!



Here are a few questions to ask yourself:

Do you need motivation to keep going?
Are you a self-motivated person?
Are you DETERMINED to be debt free?


IF YOU NEED MOTIVATION TO STAY ON TRACK
then pay lower balance off first

IF YOU ARE DETERMINED AND SELF MOTIVATED
then pay the highest interest off first



HERE'S A GREAT TIP: freeze your credit cards in a block of ice. That way if you NEED it for an emergency then you'll do the work to get it out. But if you just want it so you can buy a new t-shirt - you won't go through the work of getting it out right?


Step 5 Make a list of all your monthly bills
Groceries
phone
tv
gas for car
heat/light
rent/mortgage
property tax
car insurance
house insurance
entertainment
other (things that are not necessities)

WHERE can you save money?
Do you really need to rent a movie every weekend?
turn lights off when not in use
turn your heat down when you're not home

SHOP AROUND
Get quotes for car insurance and house insurance - it might be time to switch

Have a home phone? CALL around to other companies!

CALL your company and let them know you found a better deal and you'll be cancelling with them. They might be able to offer you the SAME deal so you don't need to switch at all.

Cell phone companies, tv companies, they will transfer you to the cancellation department. THAT department has access to plans and rebates that the regular customers service DO NOT.

ASK for a deal. What's the harm in asking?

Call your credit card company. Let them know you found a better interest rate and would like to switch. Or simply ask them, hey I have been paying on time for 3 years I'd like for you to lower my interest rate.


The point here is to FIND EXTRA MONEY

USE the extra money towards paying the balance on loans and credit cards.



Step 6 Make extra money
MANY people have turned to starting a home business and working that part-time in order to make extra money.
Here is the key: you need to MAKE MORE than you spend on the business
BE CAREFUL ask questions.

If the company has products that not many people use - there is no point in doing it

If the products are too expensive - no point

80% of the world make 20% of the money.
So 80% of people don't have a lot of money

MOST people cannot buy nice candles every month, or adults toys, or expensive cosmetics and skin care. Most people can't afford $160/month on juice.

So FIND something that ANYONE can do. Necessity products.

Ask about their monthly re-order rate.
HOW many customers shop EVERY single month?
This is a very important question because if it's low - there is no point doing it. You will not make residual income and you will CONSTANTLY need new customers every single month.

If the monthly re-order rate is high - that will provide residual income and growth in your business.



I hope these tips help you out! It's SPRING it's a great time to do some Spring cleaning on your finances and get out of debt!

Monday, February 8, 2010

Business is Booming!

Wow this month has been just amazing for my home business. We've had over 25 people join Motivated Moms the past week! I'm super excited to be involved in such a positive group of moms - and to be helping other moms and other families.

We have hundreds of moms on our team from all over Canada and USA...From Alaska, to Hawaii, California, Florida, Texas, British Columbia, Manitoba, Ontario, and Newfoundland. It's been great meeting all kinds of new friends all over North America - especially to meet other moms. Some of the friends I have made are some of the most amazing women I have ever met in my life and I am so thankful to have them in my life.

We provide all kinds of training, support, encouragement and celebrate success with each other as we build our home business. We all work with the same company, our company has been around since 1985, is debt-free and is even on the Better Business Bureau Hall of Fame.

I love being my own boss, making my own hours, work when I want, and I love being able to make residual income. Money I can count on to come each and every month.

If you'd like more info about Motivated Moms visit my website to request more info.

www.motivatedmoms.net/amandadrover

Make it a Great day!

Amanda

Tuesday, February 2, 2010

There is NO such thing as not enough time

OOOOOOOOOOOO I got your attention with that title didn't I? HAHA

I know we are all competing for the "busiest person" award. Moms have got to be some of the best multi-taskers I have ever known. We're always claiming

"I don't have enough time"

"I'm too busy"

"I wish there were more hours in the day"

Have you ever said any of those?

WELL - I'm sure you have. Probably at least once today already. LOL

The thing is - YES we have a lot to do, but that doesn't mean you're "too busy"

I truly believe that we really do have enough time to do all the things we REALLY want to do with our day and with our lives. The trick is - what do you REALLY want to do? What do you truly want to accomplish?

I highly suggest making a schedule for yourself. I know you're going to think I'm nuts. But seriously. Get an agenda (my favorites are the ones with the date at the top and the entire page with each hour, lots of space to write cause I write big and I need the room).

Figure out what are the things you HAVE to do that day?
Eat
Feed the kids
give kids naps
play with kids
make meals
pick kids up from school
help with homework
etc etc etc

MAKE A TIME for each activity. WHEN are you going to make breakfast. WHEN are you going to make lunch. Even schedule your household chores! WHEN are you going to sweep the floors each day?? What time of day are you going to wash all the dishes? or mop the floors or clean the bathroom or do the laundry? etc

Once you have those scheduled you will see your extra time. What are you going to do with that extra time? What do you do once the kids are in bed?

I know you think I have obsessive compulsive disorder LOL

BUT it's just about being organized. Organize your TIME.

I have a 2 year old and 10 month old. I'm a stay at home mom. I do the chores, the cooking, making appointments, shopping, etc etc...AND I work a home business on top of that. So personally I gave up my tv Monday-Thursday in the evening. INSTEAD I work. I work my business from home. WHY? Because TV does not send me a paycheck =)

WHAT DO YOU WANT TO DO WITH YOUR TIME?

MAKE time for yourself. Make time for your hobbies, make time for your sanity. Make time to work from home if you want.

Try it for 2 weeks. See what you think. I'd love to hear back and see how it changed your life and what you were able to accomplish.

Make it a great day!

Sociable

Subscribe

Enter your email address:

Delivered by FeedBurner

There was an error in this gadget