Personal Finance Universe | PersonalFinanceUniverse.com

Charles Bonnell asked:


Everyone likes saving money. But how about FREE? There are several free stuff web sites that offer great money saving coupons and discounts which many of us frugal people used to scour over day in and day out. Problem was, this sucked up so much of our time, we didn’t do anything else. But the deals were awesome.

While looking through my pile of free stuff web sites one day, ok day had already turned into night, I saw an advertisement for a web site called Freebie Force. Of course, being totally addicted to freebies I had to look. I didn’t want to add another site to my mountain but it was a sickness, I had to do it.

I gulped my free Mountain Dew down as I hesitantly clicked the mouse on the advertisement, and…

Well now, this is pretty different. Pretty different indeed! Before I could even finish the first paragraph, I called my Frugal Freebie Friend and asked if he knew anything about it. No, he didn’t. I knew I had a mission that night. To find out more about Freebie Force.

Let Me Tell You A Little About Freebies

Shopping for freebies has become a habit for me. But the rewards have been huge. My food bill each week is $100 less than my neighbors. I’ve gotten free rental cars, free jewelry, free food, free watches. Things for my kids like iPods, games, clothes. Things for my house, things for my yard and gifts. I live very well and spend very, very little. I don’t buy things like laundry detergent, bar soap or shampoo anymore. My family could live off what we have stored for at least a year. That’s why it’s become addicting. Oh, and I’ve also gotten plenty of free gas. I don’t even recognize the gas problem we’re having until I hear someone talking about it or hear it on the news.

What Freebie Force did for me was give me my time back. All the great freebies are in one place. In fact, I think the freebies here at freebie force are even better. Bigger ticket items. Freebie Force searches the web for me. They eliminate the junky stuff and only keep the really great deals. This saves me about 4 hours each day. Now I can do other things with my family.
I am a Vietnam Vet. I own my own Real Estate Company and have for over 35+ years. I saw this Freebie Force business and knew immediately that it was a great business for thousands of families. What is better that FREE?

Why Do Company’s Give Away Free Stuff?

Big name companies give away items frequently. The companies do this as a promotion to attract customers to their brand name.

Freebie Force seeks out these products and services so that their members will have first hand knowledge of free offers the moment they are released to the public. Since only a certain quantity of free products are often given away, its absolutely great to never miss a free offer!

You’re Already Buying It… Now Get It Free

You’ll save thousands of dollars in products or services you normally buy! Why pay more, or at all, when you can get this stuff free?



Kansieo.com

Derek Pliers asked:


To be successful over the long haul, every one-person business needs to do some planning. The more organized the planning – the better the choices you will make. It is not necessary for you to have a full-blown business plan, like the ones used to raise hundreds of thousands of dollars for the start-up and growth of businesses with a lot of employees. For the one-person business a simple business plan will suffice.

Do you really need a business plan? It really depends on the nature of your business. A business plan is a product, and if you see it that way, whether you’re in a service business or a product business, you will begin to see the value to the product. Like a product, a business plan is only valuable if it’s used. A business plan is really an objective written estimation of what you think is going to happen in the future based on your understanding of the current situation and what has happened in the past.

As you accumulate a history in business, whether you know it or not you begin to accumulate knowledge and data on who your market is. You also accumulate financial information even if you do not have financial statements.

The importance of doing a business plan is the process in and of itself. It’s not because experts say you have to do it or a bank says you have to do it, though that may be one way to use it. The reason to do a business plan is that the very process of going through a series of questions about your business will force you to audit the current situation and think about the future – to think strategically.

Whether it’s used for starting a new business or growing an existing one, the first step in any business plan is to become familiar with your personal financial condition. What is your net worth? What does your personal budget look like? How much do you need to feel financially secure? The second step is to begin looking at how much cash you will need to start or expand. Is it a realistic amount? Where can you raise the cash you need? With the answers to these questions in hand, your final step is to incorporate them into the business plan itself, which will become the blueprint for the future of your business.

Tip: Calculate Your Net Worth

One of the most powerful steps you can take to understand your financial condition is to calculate your net worth. If our economic life is about the accumulation of wealth (as economists say it is), then to understand our economic life we need to understand our wealth: where it comes from, what forms it takes, and how much of it is available for us to use in starting and running a one-person business.

Accountants have come up with a quick and simple way to help us understand our personal wealth. It’s called the balance sheet statement, or statement of net worth, or, What you own and what you owe. Basically, the statement of net worth is created by writing down the value of everything you own and everything you owe and then subtracting what you owe from what you own to see what the difference is. This difference is called your net worth.



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