When asked what they want more of, most people say time and money. There is a great song from the show Mama Mia called Money, Money, Money and the lyrics go like this:
“I work all night; I work all day, to pay the bills I have to pay. Ain't it sad?
And still there never seems to be, a single penny left for me. That's too bad.
In my dreams I have a plan; if I got me a wealthy man, I wouldn't have to work at all; I'd fool around and have a ball!”
Haha! Well, for most women….that’s not necessarily a great plan or a realistic one. And so many women I meet work very hard, long hours and still don’t have what they need financially. They have been affected by the economy by it downsizing their income, savings or retirement. Many are looking at not being in a position to retire until way past 70 years old! So how do they even think about more income...where do they begin?
You know, somewhere along the way the American Dream has shifted from working hard and creating financial security to overspending and creating massive amounts of debt. That’s the number one reason why people claim they need more money…to pay off debt. Dave Ramsey writes in his book, The Total Money Makeover, “there are only two ways to become financially stable: earn more or spend less.” Imagine what can happen when you do both. Without debt you can save more for retirement, pay cash for the family extras, and use your money to make a difference for others. Without debt, you can sleep better, worry less and have greater hope for your future.
Unfortunately, very few Americans are adequately prepared for the future. The Federal Reserve reports that almost a third of working Americans have no money in savings and no pension to cover retirement. Now that’s scary! The 2014 Survey of Household Economics and Decision-Making found that only half of Americans could pay for an emergency expense of $400 without going into debt or selling something. When asked how their spending compares to their income, 37 percent reported that their spending was equal to their income. However, one-in five respondents report that their spending exceeded their income. And further, nearly a third of respondents went without some medical treatment in the past year because they could not afford it. No that’s really scary!
Financial experts such as Ramsey, Suze Orman, David Bach, and Jean Chatzy can provide tools and teach you how to manage your money resulting in having more by spending less. We Are Changing Lives can help you add to your income even alongside what you are currently doing.
That’s why we love what we do! We have the vehicle to earn additional income. We get to help people pay the bills at the end of the paycheck, create their Plan B for retirement, college funds, vacations; become stay at home parents; and yes, get out of debt. We have a proven business model that works and no it is not an MLM or Party Plan model.
We can say this with conviction because the company we market for is debt free and GREW by another 10% in 2014, bringing them to $1.4 billion in annual sales. So if you are one of the many that need more money and as a result will also have more time, call me today to discuss the details. I look forward to hearing from you. www.WeAreChangingLives.net