More Month Than Money

If you want to make a difference to your money then these money tips will help you to reduce your outgoings and increase your bank balance.

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Use Skype www.skype.com for free phone calls over the Internet. Encourage your friends and colleagues to sign-up too and you can talk to them for free. All you need is a broadband or DSL connection and a headset for your computer.

Get over 50 free tips with my money e-book.

This book provides you with the practical steps you need to take in order to get control of your finances.

Step 1 - What Are Your Money Habits? This is the easy one! What money habits do you have? What is your current spending pattern? Here's where you get an idea of where you are today.

Step 2 - What Does Money Mean To You? What's stopping you from being financially free? Understand where your beliefs and behaviours come from so that you can address the underlying reasons for your bad habits and start to put in place some new ones.

Step 3 - Get Organised! Here's where the hard work starts. You will develop a crisp and clear picture of your expenses and your income. In other words you will know how money circulates through you. By the end of this step, you'll be far better off and maybe for the first time, have a clearer picture of where you stand financially.

Step 4 - Reduce Your Outgoings. Look after the pennies, and the pounds will look after themselves. Now for the fun! Here are over 50 ways you can reduce your outgoings and start saving.

Step 5 - Dealing With Debt - neither a borrower nor a debtor be. If you're in debt, then let's get clear on what your debts are. Here are some ways to start debt-busting and begin to become financially more free.

Step 6 - Savings - speculate to accumulate. Discover how to create a savings plan. Create your Emergency Fund and then you can start investing for the long term. Make your money work for you!

Step 7 - Moving On - Good Habits. By the time you reach this step, you've done all the hard work. Keep yourself on track with your new money habits.

"Wow! I feel like I just had a religious experience. What an amazing and useful tool. Great work Clare, and thank you for being such a huge contribution to the world. Just to be able to get that is amazing. I have nothing to say but Bravo!!!" [Jay Pryor]

You can download your free Money Habits Checklist and receive the first chapter of the e-book on my website.

Discover key tips to help you to manage your money more wisely.

* Are you spending beyond your means?
* Do you need to improve your budgetting?
* Would you like to start saving for your future?
* Are you just getting by from month to month?

How would you define your spending pattern? How do you know that you're overspending? It might seem obvious - you're overdrawn at the bank, your credit card bills are at their limit but what problem does your overspending cause?

Do you know how much you earn? What are all your sources of income and ALL your outgoings? Do you know how much you spend each month? More than you earn, less than you earn, no idea? What is the minimum you need to live on - just the basics: rent/mortgage, utility bills, food and essentials?

Discover the importance of planning and budgeting. Avoid things getting out of control and start saving for the things you really want out of life.

Full details and to register for the Money Management Teleclass on Tuesday 18th November by clicking here.

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