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Financial Resource Group |
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Welcome!Welcome to the Financial Resource Group. We're glad you are here. The Financial Resource Group has been established to provide access to financial services and resources on and off the Internet. If this is your first visit, please sign our guest book before continuing. [click here] Getting Started[Index | Top of Page | QuickLinksİ | Map] To get started, we would recommend that you consider the following:
Let us know if you have any questions. |
Financial Top 10
Here are the top 10 things you can do to help build a strong financial future.
- Don't Buy Things On Sale. It's better to wait until something is not on sale rather than to buy things on sale. Intentionally wait until things are not on sale to purchase. You will save more money in the long run because you will learn to break the habit of habitual-binge bargain shopping. Many people shop not based on need, but based entirely on what is on sale. Their shopping is controlled by marketing. Much of this is an addiction (physical chemical dependency) to the drugs released in the body by the shopping experience. Avoid it at all costs. If an item is on clearance, wait until the next model is introduced. Find products that are a good value anytime and use those regularly.
- Don't Budget. Live on a fraction of what you earn and continually look for ways to cut your living expenses. This way, a budget is not necessary. Track your expenses only for the purpose of looking for ways to spend less money.
- Don't Balance Your Checkbook. For most people, balancing the check book is something they do to see how much more money they can spend before their account is overdrawn. A better approach is to keep enough of a buffer in your account that you don't need to constantly be checking your balance. Don't eat all the food on your plate. Don't spend all the money in your account. Let a computer program track your expenses and do this for the purpose of seeing how you are spending and looking for ways to spend less.
- Don't Buy Products or Services You Don't Need. Learn to discern between needs and wants. Postpone purchases for months or years if possible.
- Downsize. Learn to be content with less. Put your possessions in storage and then live in a one room studio apartment-hermitage like a monk or nun.
- Walk or bike to work. Live closer to where you work and work closer to where you live. Quit your job and/or move if necessary. This will save you time and money. It is a more peaceful and relaxed way of life. Your income and primary needs won't be dependent upon a vehicle.
- Live on minimum wage. Let your actual cost of living (housing, food, transportation, etc.) be sustainable by a single full-time job at minimum wage.
- Work three jobs. Consider working two or three jobs and living on the income from just one of them.
- Start a Business. Start your own services/consulting business so you can fill-up your wasted 'free' time with profitable activities.
- Help us build our top 10 list. Let us know if you have any simple suggestions for what we can add to this list. [Click here]
Education
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How would you like to get a raise next month? You can! In a matter of speaking. Consider that $1,000 income isn't the same for all people. Someone who has learned effective investing, spending, and saving habits will get the equivalent of $1,500 value out of the $1,000 income. Someone with poor financial habits may only get $700 or less in in value out of the $1,000 income. Getting a strong education and understanding of financial management can help you stretch your money further.
| Money 101 is an interactive online course that contains 21 modules on various aspects of financial management and planning. [click here] |
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Links
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Here are some links to additional financial resources on the Internet. If you have not done so already, we would recommend that you start with Money 101 [click here]. It is a very informative interactive introduction to financial concepts.
 | Christian Financial Concepts - Larry Burkett (now Crown Financial Ministries) |
| Clear Credit - Credit Repair and Maintenance Service. |
| CrossWalk Money (Christian) |
| Crown Financial Ministries (Christian) |
| Currency Conversion. Create an easy reference sheet that you can print and take with you to your destination country. |
| Microsoft Money Central |
| Money 101 (an excellent online course) |
| Money Magazine |
| My Vesta - Best Resource on the Net! "I submitted a request on Monday, and received a personal call the following day to schedule a telephone consultation. Very impressive." Let us know if you need help working with this service. [click here] |
| Primerica - Excellent resource for personalized financial planning and services |
| The Money Page (investing and banking) |
| Retire Early - Financial Advisor, Suzanne Knight, can show you how! |
| Smart Money Magazine |
| The Truth About Credit |
| Zipple - Select the Financial Channel (Jewish) |
Thank You
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