Wednesday, October 1, 2008 provided by Jeffrey Strain

Many people assume they aren’t rich because they don’t earn enough money. If I only earned a little more, I could save and invest better, they say.

The problem with that theory is they were probably making exactly the same argument before their last several raises. Becoming a millionaire has less to do with how much you make, it’s how you treat money in your daily life.

The list of reasons you may not be rich doesn’t end at 10. Caring what your neighbors think, not being patient, having bad habits, not having goals, not being prepared, trying to make a quick buck, relying on others to handle your money, investing in things you don’t understand, being financially afraid and ignoring your finances.

Here are 10 more possible reasons you aren’t rich:

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Popularity: 90% [?]

We have been blogging for over a year and we’ve tried many opportunities online. We discovered some to be more profitable than the others and some that are not even worth it at all. We’ve come to a conclusion that in order for you to find the right opportunity for you, you must try them at least once. If it doesn’t perform the way you wanted it to work - you may need to move on.

The best thing about trying all sorts of opportunities is that you discover your game. It’s not about how much but how easy it is to make a profit from these programs. There are surprising results to some opportunities where over a year ago, they didn’t make us enough income to even clutter our blogs with it but after a year or so, and some tweaking by the program developers, we found that you can still make a profit from them if utilized.

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Popularity: 61% [?]

Bankruptcy should not be an option if you take care of your finances well. We understand that there are situations where it is unavoidable such as change-of-life circumstances (death in the family, divorce, etc.) but there are situations as well that are avoidable if you are aware of your financial status. We have known people who don’t even open the bills that arrive at their home because they don’t want to face the reality that they are in a financial mess. Financial stability also depends on the individual. If you are aware of what your expenses are versus the income that comes in, you will less likely spend more than you have to.

There is a way to check you Financial IQ to find out whether your financial situation is healthy or whether you are in danger of going over the edge. BillsIQ will give you the chance to take a look at your financial health by answering a few questions and rate your score. Once rated, you can read up on information about consolidating your debts, applying for a lower fixed-rate loan or as simple as saving money on your insurance. There are many ways you can shave off your expenses and plan your finances to avoid serious trouble in the future. As we have advised before, you should always check your financial standing quarterly if possible, to know where you should put your energies so you can become financially free. We will always be advocates of financial freedom. To attain it, you should always be aware of your current financial standing.

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Having the goal of becoming financially free is a good thing.  We are working towards it and will continue to do so until we can finally say, “Life’s a beach!”  It is definitely hard work and if you’re not careful - you could lose sight of your goal.

We encourage you to always be aware of your financial status.  Check your expenditures every month if possible.  What is it that you spent on that you didn’t really need?   Cable TV perhaps?  That new bag as an addition to your 100 bags?

Shaving your expenses helps you attain your goal.  Always think of what will make my income more positive this month.  Is it stopping that daily latte going to add some value?  Brown-bagging your lunch is a great way to save $7,00 per day.  Are you bagging your lunch?

To reach a goal, you must constantly work on it.  Are you?

Popularity: 32% [?]

We know that most of you have been waiting to find out how we’ve done in the last few months. We haven’t reported our income recently but that’s just because we have been too busy with other aspects of our lives. Yet, blogging has really become a great source of income for us. Just imagine living off of the income you make through blogging (as a supplement of your regular paycheck of course) month after month. It’s exhilarating.

What we do is to use our blogging income for daily expenditures. We have our main paycheck covering all the bills from mortgage to car payments and utilities. But having to live off of your blogging income means we’re saving more each month. The remainder of our regular paychecks goes straight into savings and that’s something we can be proud of. It’s hard work and when we see it pay off, we are ecstatic.

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Popularity: 32% [?]

We have been blessed immensely.  We couldn’t thank our readers more for your support and loyalty to our site.  Random postings are the thing we do these days but we promise, we will be back with a vengeance.  Being out of the country seems to have thrown off our schedules and it would be nice to be back in the same time zone again soon.

The surprising thing is, we get to pick opportunities while you sleep!  :D  It’s feels as if the tables are turned and we know how the Europeans fare out during our night time in the U.S.  We felt that the opportunities are equally distributed between continents and it really doesn’t matter where you are in the world.

Proven:  An opportunity is an opportunity regardless of time zones!

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“You spend that much time in front of a computer blogging?”, said one of our friends. “I don’t even have the time to sit down and watch TV - how do you do it?”

People say that if you want something bad enough, you will be willing to work for it. And if you do, you normally get it. It’s not the time that you put into it, it’s the value of time that would get you closer to your goal in the long term. Why do we blog? We do it for several reasons.

We want to show the world that there is money to be made online.

We want to let the people know that there are multiple streams of income available to you if you look hard enough.

A hobby can be a great income-producing stream.

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Popularity: 27% [?]

We spend on luxury items too. Don’t think that because we say “save, save, save” all the time, means that we’re cheap. No - there is definitely a difference between being frugal and being cheap. You have to learn the difference. Paying for a 40.00 USD pair of sunglasses versus a 250.00 USD sunglasses is not cheap. It’s being frugal. Why? Because if you’re a person who loses or breaks your sunglasses more than you wear them - why pay 250.00 for it? You’re just preparing for the inevitable. You’re being frugal.

We read an article that pretty much sums it up for all of us.

Read on…

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Popularity: 18% [?]

No matter how you look at it, gas prices are soaring and we can’t bear to pay $4.00 a gallon this summer. Our SUV loan is already paid off and we could trade it in to get the benefit of the blue book value and get a new car (possibly a hybrid) that could save us money in the long run. They are predicting $5.00 a gallon by the end of the year. Let’s hope not.

The battle we are trying to fight now is about the blue book value of our SUV. Due to soaring gas prices, most of the SUV owners are trading their SUVs for a more energy-efficient vehicles. That push has lowered the value of SUVs in the last year or so. Even the car makers have stopped producing SUVs due to low demand in recent months. We wer going to obtain an I guess a new Auto Loan to trade in my SUV but we had to think very carefully.

So if we are to obtain a new car, it is inevitable that we would still need Auto Financing. It’s our loss for purchasing an SUV and it will not be to our benefit to keep it. Either lose more money on gas or drive a newer, energy-efficient vehicle. I think we will go with the latter. We can’t predict the future but we know that gas prices are not coming down anytime soon.

Popularity: 22% [?]

Alright alright, we didn’t want to make enemies with the happy people out there. We mean something different. When you become complacent, you start to not try for something better. You get content with what you have. We’re not saying that you should be greedy but if you are in business, there is one thing that is very important…. Your Bottom line.

What happens if you’re content?

1. You stop growing.
2. You become part of the “I’m so proud of what I’ve done, I’ll sit back and relax now”
3. You will continue to do what you’re doing without improvement, you or your company becomes stagnant.

What you can do:

1. Always keep track of your spending.
2. Try to save the same amount of money every month (from your gross profit - i.e. 10%)
3. Repeat that month-after-month.

Of course you can be happy. We want you to be happy with your financial success. Just note that you cannot be complacent. We can be content but not complacent. Complacency is being contented to a fault where you let go of all the other opportunities that come your way. Never lose site of this. Always keep your eyes open.

Gobble Gobble!

Pro Gobbler dot Net

Popularity: 17% [?]