Category: Money Matters

The fundamental realities about making money are:

• Employment. The exchange of labor / skills for reward
• The provision of a product / products or service and the related profit / income
• Leverage. People, business, mechanisms, which generate income.
• Single stream effort for income as opposed to multi stream passive income
• Income from accumulated wealth

This is a huge area of discussion, and every individual has unique needs, wants, and desires. For an accurate effective workable solution please contact me.

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Every married woman will relate to, and benefit from, this chapter.

This chapter is dedicated to the financial wellbeing of every married woman.

Despite emancipation, and all the advances made by women regarding their role in society, there is a canyon that still has to be bridged when it comes to money.

To illustrate the problem that I am going to deal with, I will use this word picture: Imagine yourself standing in the middle of the most inhospitable desert in the world. It is midday and for hundreds of miles in every direction there is nothing but sand. You are, however, standing next to a huge metal container in which everything you need to get out of the desert is locked, with huge stainless-steel padlocks, and you do not have the keys.

Continue reading “Chapter Eight – The Keys To The Container”

Financial wealth is a condition in which your investments work for you.

Creating sufficient Income is only the first part of the solution. Using part of that income to create Capital and then making the capital work for you is where real wealth creation takes place. When the money you have earned starts producing income for you.

I have referred to it in a previous chapter, but Life and Disability Assurance are essential components of any financial plan. You must ensure that you, or the necessary amount of capital, will continue to produce the income needed to satisfy the needs of yourself and your family. These are the baby steps in making money work for you. The younger you are when you put this assurance in place the lower the cost and the greater the benefits.

Continue reading “Chapter Seven – Making The Money Work For You”

It is not just the loss of money; it is the greater related losses.

Money is like water being pumped out of the ground and stored in a tank until it is needed for different purposes. So, consider this:

• If the water flowing into the tank is more than the water being used, the tank will eventually be full to overflowing, and one would need another tank.
• It is reassuring to know that there is always some water in the tank, and the more tanks there are the greater that assurance.

But here is the problem. You must control the amount of water / money you take from the tank and more importantly you must be sure that the tank does not leak, because even small holes in the tank will allow massive amounts of water/ money to escape.

Continue reading “Chapter Six – What The Leaks In Your Money Tank Cost You”

Who is in control? Avoiding the financial traps. The Third Law.

What most people do not understand or appreciate is the fact that CONSUMERS are the most critical component of commerce and industry. The world economy is constantly seeking new, more, and bigger consumers. The entire advertising profession, worldwide, has only one objective:  To create the DESIRE, to taste, experience, have, use, or own, whatever it is that is being advertised. Once they have created the WANT, industry, by way of all the traps: Credit Cards, Overdrafts, Loans, Bonds, Hire Purchase, and Accounts, steps in to make it possible to satisfy those WANTS.

There is not enough time or space to present you with all the psychological processes that are used to get you to BUY, BUY, BUY. NOW, NOW, NOW. Why wait, why deprive yourself, look at everybody else, everybody is doing it, etc. etc.

Continue reading “Chapter Five – Desire And Want”

Cutting Your Coat According to Your Cloth.

The Second Law of Wealth Creation.

In the world of tailors and dress makers, this is the reality they work with. There is no way that you can create a coat or a dress from a piece of cloth that is too small for the pattern.

Your net income is the cloth. The trouble for most people is that the life that they want, the coat or dress they want to wear, cannot be cut from their income. The most fundamental MONEY RULE is this: You can’t have stuff if you don’t have the money to pay for it, and “YOUR MONEY” does not include the money that you can get via Credit Cards, Overdraft, Loans, Bonds, Hire Purchase, or Accounts with various stores. These are the money traps I deal with in the next Chapter. The money you can, and must, use, has to be the Notes and Coins in your wallet or bank account, the money you have earned.

Continue reading “Chapter Four – Priorities And Planning”

Where are you in the queue of people who want your money?

The First Law of wealth creation.

If you ask someone who they work for, they will probably give you the name of their employer or the name of the company. In a few instances they will tell you they own a practice as a lawyer, doctor, architect, or some other profession. In some instances, you may even get the sarcastic answer “I work for the Bank that holds the mortgage on my home / factory, or the hire purchase agreement on my car / vehicles.” But you will seldom get the answer “I work for myself.”

The sad reality is that most people (92%) work for an income, out of which they pay everybody else. The mortgage, the car, the clothing stores, the furniture companies, the grocery stores, the municipality for utilities, the petrol companies, doctors, dentists, the list goes on and on. And the name of the person who did the work and earned the income, your name, is not even on the list of beneficiaries.

Continue reading “Chapter Three – You And The Queue Of Creditors”

One career, and one salary / income, is seldom enough. Single stream, active, income, as opposed to multiple streams, passive or residual, income.

Fundamental Principles.

Few people still live in a rural condition where life is about building a shelter, planting, harvesting, keeping livestock, or a mixture of these, and surviving on the results of that effort.

Today most people are employees and are part of, and conform to, the rules of the economic system. Production and consumption are the cornerstones of that system, and most people are part of both. The production of goods or the provision of services and the use of goods and services provided by others.

Continue reading “Chapter Two – The Truth About Creating Income”

Your current condition was created by decisions you took in the past.

Your future condition will be shaped by the decisions you take today.

If you really want honest, simple, solutions to solving your money problems and creating more income, then this is your opportunity to do that.

FACT: 92% of all financially active people, and that’s billions of people, will never have enough money to pay for everything they need or want, because they were never taught how to make it, how to manage it, and how to make it work for them. They simply do not have the critical information they need to RADICALLY IMPROVE their financial condition.

Continue reading “Chapter One – Let The Change Begin”

Plan, Perform, Prosper.

Statement of Intent

EXCEPT FOR CHAPTER EIGHT, THE INFORMATION IN THIS EBOOK HAS NOT BEEN COMPILED FOR THOSE WHO ARE FINANCIALLY COMPETENT.

For your benefit and protection.

If the basic principles detailed in this eBook were taught at school or college the distribution of this information would not be necessary. Sadly 35 years of experience as a Professional Financial Consultant, and counselling thousands of adults who were in financial trouble, provides more than sufficient proof that most people are totally uninformed when it comes to money.

Continue reading “Money Matters – Everything you need to know about money”