A way to manage life, money, and business

                  Simple tips for better living...



Money Tips:


  • Spend less money than you earn.
  • Find ways to make more money.
  • Make more money by filling out paid online surveys.
  • Adjust your lifestyle to accommodate the first rule.
  • Create a financial budget to help you save. sample budget sheet
  • Do not use credit cards.
  • If you do use credit cards, pay them down in full each month.
  • If you have a lot of credit card debt at high rates, look into consolidating your debt.  
  • Lower your student loan payments.
  • Forego spending money whenever possible.
  • Cook more and eat out less - go to to get quick ideas on cooking.
  • Stop purchasing frivolous, impulse items.
  • Forego purchasing non-essential items.
  • Refinance your mortgage or debt at a lower rate.
  • Refinance your car loan at a lower interest rate.
  • Find cheaper insurance rates.
  • Lower your phone bill.
  • Join an online discount shopping club.
  • Wait for things to go on sale before buying them.
  • Don't buy anything just because it is on sale.
  • Buy generic or non-name brand products and merchandise.
  • Wait for prices to fall before buying (applies especially to electronics items - like dvd players).
  • Reward yourself for saving money.  Enjoy watching your debt shrink and your investments grow.
  • Drive used cars.
  • Reduce your auto insurance.
  • Do more activities at home.
  • Invest the money you save so that it earns money too.
  • Create a plan to save $100 per month (or as much as you can swing). 


Schedule Sharman G. Lawson to speak, interview, or for a free 10-minute no obligation financial consultation call 770-966-1639.end_of_the_skype_highlightin