Where there's a Will there's a Way

Goals for the month are not that outstanding, but they are things that can be accomplished.

1. No overdrawing in my account: I understand how detrimental this is to my financial report cared, but sometimes things come up that are unforseen.
2. Get a will: This is much needed especially with having assets, that I don't want the state taking control of. You can get a template of a will online and take it to the government center and have them file it. Instead of getting a lawyer and going that route.
3. Save money and not spend all of it: This is very important, spending more than I earn is not what's up. Having something to fall back on is a must.
4. Pay off a $50.00 debt on my credit report: I can't believe my credit score dropped. The only thing that needs to be paid is this. I have other things, but they are in good standing.

It is sometimes hard to do the right thing, but doing right by your money is what we all need to do. We wonder why we don't have enough to be able to have that wonderful vacation. All is needed is to budget and not overspend. Make plans and decide how you will obtain your goal. My biggest enemy is myself and I will overcome what is stopping me from achieving my dreams.

Financial Planning
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Continue to do right by your money. Everything you want you don't need! Put your money to work for you! Use is wisely and watch your money change!

It is Never Too Late

Today, I started a 403b with my job. I had one before with Valic, but haven't been contributing to it for a while. As a matter of fact, I just borrowed from that one earlier this year. I am currently paying it off. Valic is owned by AIG and the government bailed them out not to long ago. Will Valic be around for the next few years? Who knows? Especially with the way the economy is today. My plan is to continue to invest in my 403b and add 100.00 more yearly. I am so behind, but it is better late then never, right?

I think it is a good idea to diversity. Have funds built up in a variety of areas. I am learning and know that where there is a will there is a way. I am 33 and not getting any younger. I will continue to learn from others and put my best foot forward.

I also went to put in an application at one of the junior colleges in the area. Let's see where that will go. Extra money is always great. Making money online is also another option too. How to do that? I put this site on http://www.feedburner.com/ and I need to optimize it. I know it takes a few days for sites to crawl. It's funny how many have made money online without any efforts. What's the problem? Is it me? I will continue to do my best and put money in the right places. Do right by my houses, get a cd, continue to invest in my 403b, and learn more about the stock market.

Overall, I want to be comfortable when I get older and before then. I want to enjoy my life and be able to have the things that I want. I also want to help others have there dreams. If I write something that will help you, I have done my part.

Below are some random sites that you may find interesting:

http://www.balancetrack.org/moneymanagement/index.html

http://www.mymoney.gov/

http://www.pitecreative.com/staging/caps/

Financial Meeting

We met Thursday and came up with many things that will help us on our financial journey. Ms. Jamison talked about Standard IRA and a Roth IRA these are things that people need to invest in. I will get one before the end of the year. The money matures and I do believe they are better to have instead of a CD. She also talked about investing in a cell phone company. For instance Samsung. I said Samsung because many service providers use Samsung phones. The next time we meet I will have more information on how to invest in the stock market. Mara, talked about her Web Page certification and building a variety of websites. She is working hard to get the web pages up and running. Johnathan has changed his business cards and is not looking back. As for me, by the next time we meet I will have a lawyer and my will will be done. Lables will be done for the candles and my website will be up and running. Like I stated earlier, I will also have information on investing in the stock market. My credit score should be up a few points by the next time we meet. Mo, needs to take a career assessment test to see what she may be interested in. Overall, I do look forward to our meetings because it gives us a chance to talk about our financial goals, problems, successes, and desires. I would recommend all to get with a group of like minded individuals and start a money management group. The group will help you get on the right path and allows you to be able to talk to people about your thoughts and views. I look forward to meeting with them because they help me think out my financial problems and they motivate me to get things done.

Below are some links to how to invest in the stock market:

http://beginnersinvest.about.com/od/investing101/a/invest_in_stock.htm

http://www.candlestickforum.com/ppf/parameters/11_867_/candlestick.asp

http://www.greekshares.com/

http://ustrust.bankofamerica.com/?cm_mmc=GWIM-Multiple-_-Google-PS-_-stock%20market%20investing-_-USTInvesting

http://www.howtoinvestinstocks.net/

If you are interested in the stock market please use these links. If you already invest in the stock market let me know how you do it.