Why is it so hard to save money?

Enter the term ‘Why is it so hard to save money?’ into Google and you will find you are not alone in your frustration as to why you do not have sufficient savings in the bank and that actually doing the deed and saving money is a difficult task to undertake.

One of the good articles that came up on this search is also the one that appears at the top of the list.  You can see it here.

While I do not agree with everything the fellow said, I do wholeheartedly recommend you read it. I like his ideas on scarcity because if you think scarcity or if you think prosperity, either tends to appear to make you right in your thinking.

For instance, how many people do you know, and you may be one yourself, that thinks a regular savings plan is a terrible cramp on their lifestyle?

Why is it so hard to save money? Often it is simply because you do not want to.

If you do, read on. I have some ideas for you to think on myself.

How To Save Money

The idea of a budget is something most folks know they need to do. Often, budgeting our money is another thing along with saving money in a disciplined fashion that we simply do not want to do. Often because it is depressing as you try to stretch your money to meet your current outgo.

Fear of realizing just how much of a gap there is between what we clear on our paychecks and what is left to pay after your paycheck is gone makes some folks nauseous.

How to budget is not the point of this article. Franklin Covey, Quicken, etc. all have tons of tools to help you set up a budget. I myself use Quicken with Business Tools.

A budget is not necessary per se, but if your outgo is more than your income you will need to prepare one that works and you will need to do it now.

Did I say not necessary? Well, I am going to stick to that statement but a budget makes things easier.

Saving money needs to be a part of your budget, otherwise you will never accumulate significant savings.

How to save money? Take the money and stick it back and forget it. I know. Easy to say; I don’t have your bills. I did. Most likely the first time will feel good for about five minutes or five days. Then the pressure to spend it – good cause or bad cause is irrelevant- and it will be gone. No matter. Remember how good it felt to see money that had been set aside for you.

Treat Yourself As You Would Treat A Creditor

To whom should your first loyalties be? Yourself or some banker who loaned you money knowing you may never be able to pay it back?

Predatory lending is rampant today so you should not feel badly about treating yourself and your future as more important than a creditor. You loyalty should be to yourself and your savings first.

It is a fine point, but the mindset will help you to develop the attitude that not spending money is a joy and a pleasure rather than a burden, an act of denial and self-sacrifice.

I mean, think about it. Why is the idea of paying oneself a percentage of your own income every month an act of self-sacrifice? It is because we have been taught that to deny our immediate urges for immediate gratification on what we want is horrible and that we ought to be able to live on our impulses.

Greek chorus shout: “What do we want?”
Answer: “I don’t know!”
Greek chorus shout: “When do we want it?”
Answer: “Right now!”

To be fair, you do need to pay your bills, pay them on time and pay them that are debts off. Debt is an drain on future earnings that needs to be gotten rid of.

Pay yourself first as you have been paying your creditors. Yes, it may be like walking on glass starting out because you know that money is sitting in your savings account or in the coffee can or in the back of the freezer but try it just once.

Put 10% of your net into your savings and then struggle to pay your bills on 90% of your income. I suspect your struggles will not be any harder or the phone call count from creditors higher.

Look at it as though you had pay cut or had to change jobs and take less money. If either happened you will need to learn to make less do more, right? Do it own your own terms is all I am saying. After ten pay periods you will have accumulated an entire paycheck.

One way to do this is to have your savings taken out of your paycheck automatially. Your company may have a deferred compensation plan in addition to your pension or 401(k) plan.

Childhood Lessons

The only way you are going to accumulate wealth is if you stop giving it away to the ones who guilt you into giving it up (family, friends, social parasites) or who deceive you into giving it up (‘sales-save 50% today only!’ or ‘buy this smell good crap and women will fall at your feet.’)

There is also what I call the nickle and dime gang.

Time, second grade for me. Place, West End, Birmingham, Alabama.

My mom had given me enough money to walk up to he corner grocer two blocks up the street and buy the toy I had been lusting after for weeks, a Dick Tracey Detective Kit. It included a snub nosed pistol, a pair of handcuffs, a two way camera watch and some other odds and ends.

The price? A whopping $1.59 for this treasure trove of childhood fun.

My cousin, a piece of trash who will remain unnamed forever more, was a good bit older than me. He knew my generous nature and so he asked me if he could borrow a dime. I gave it to him. Some time later, he asked me for a quarter. I gave it to him. Soon, my two dollars had shrunk to less than the $1.59 plus tax needed to by my Detective Kit.

I asked for enough money back to get it. He refused like the little lying bastard he still is as an old man.

Some lessons, especially the hard one’s that cost you money and make you feel stupid, are the ones that stick with you through life.

Going home, I asked my mom for more money. She asked me what happened to the money she gave me. I told her how my dear cousin had tricked me a little at a time until I could no longer afford to buy my heart’s desire.

Now, she was mad, Lord have mercy, she was mad. She was mad at the both of us, though. Him for being a sorry ass teenager that would steal from his 9 year old cousin and me for being so stupid.

She told me to consider it a lesson learned and never forget it. I never did buy that Dick Tracey Detective Kit. Even later on, when I had sufficient money to buy it, there was such a bad taste in my mouth about it that I could never let go of the money to buy it much to my mom’s amusement.

How Many Hits Can Your Future Earnings Take?

Buying things on easy credit terms does the very same thing to your future earnings. It not only obligates your future earnings for the costs of whatever crap it is you think you just have to have or you will just die, but it makes you pay for the use of that money NOW in the form of interest.

If your credit is bad and you have to pay 20%+ interest on your purchases, you have to remember that not only are you going to have to pay the money back, but you are going to have to pay interest on it. You are going to have to pay taxes to the government on those future dollars and you are going to have to deal with the ravages of inflation on those dollars which no longer will buy what they bought before.

Here is a thought: If you cannot afford to pay say $X for something, then why in the world do you think you can afford to pay $X + 20%?

Buying something on sale on credit is never to your advantage no matter the discount.

The banks used to be in a symbiotic relationship with the economy and her citizens. Today, banks are parasites who cajole and take advantage of your ignorance and gullibility and simply do not care how much trouble it causes you.

Banks have forgotten that they exist in order to help the economy and its citizens prosper; the banks are not the point.

Next time I will make a case for why keeping your savings in the banks is a bad an idea.

Best Regards,

Tim Singleton

Note: Nothing here is to be construed as financial or investing advice of any kind. As with any issue impacting your finances you should consult with your financial advisors before making any decisions. To be explicit, we do not give investment advice. All of this is my opinion.

How To Study

How To Study, A Method Called SQR3

The buses are rolling again. Fall is around the corner and parents are relishing the once again quiet of an empty house.

Kids look forward to going back to school with varying levels of anxiety and anticipation. A big part of their anxiety is rooted in their lack of true study skills.

This post is about fixing that problem.

Steps To Successful Studying

There is a five step study method that has been taught by teachers who want their kids to succeed. Its acronym is very easy to remember and helps one recall each stage. SQR3 is the acronym.

SQR3 steps are:

  1. Survey
  2. Question
  3. Read
  4. Recite
  5. Review

Using Survey To Get Started

The definition of the word ‘survey’ is to look carefully and thoroughly at someone or something, especially so as to appraise them. In our case that something is the material that you are trying to master.

I think it helpful to list a few synonyms. Making the decision to ‘survey’ a thing is not a daily routine for most. Survey is generally thought of as a ‘poll.’ As in, “We are taking a ‘survey’ or we are taking a ‘poll.’

Here are those I think will help you survey your study materials efficiently.

    • contemplate
    • scrutinize
    • inspect
    • scan
    • look over
    • consider

Basically, to survey the material you should just flip the pages, scanning to learn about how the material is organized.

Does it have comment boxes surrounded by borders?

Does it have boxes marked “Important Tip” or something similar?

Lots of times there will be boxes in the margins entitled things like “Did you know?” “Something to think about.” Anytime you see this, you know the author thinks this is particularly relevant the subject. You are also likely to see this information on the test, so, you are forewarned.


Ask yourself:

      • What is this material about?
      • Why is this important to me? (Aside from passing a test.)

What does it seem to be saying is important? What is it that the author is trying to teach me? Make a few notes about things that seem to stand out.


Read the material. Do I mean just speed read while your favorite show is taking half your attention? While I suppose it would be better than nothing I doubt it will maximize your comprehension.

When I say read, I mean:

      1. Immerse yourself in it.
      2. If there are audiovisual resources or other resources listed on line, make sure to watch or read them all.
      3. Read at a comfortable pace, moving back and forth in the material, looking for connections amongst the various points made.
      4. Take your time, moving slowly enough to absorb the material, fast enough to keep yourself from getting bored.


Recite means to read the material out loud. Recite it to the world through the main window. Recite it to your dog. I am sure he will love the attention. Recite it while sitting …everywhere you sit.

Why? You know, I do not have an authoritative explanation, but I do have some thoughts on the matter.

Reading only involves he sense of sight and to a much lesser degree, touch.


      • Involves the sense of sight as does reading.
      • It also involves the sense of sound.
      • If you pace when you recite you are tying all kinds of sensory input to the material.

To sum it up, your eyes see it. Your ears hear it again directing the knowledge to your brain through a second channel. If you pace as you recite you are tying the knowledge to even more sensory input.


Now that you have completed this process, review what it is you now know. How much do you think you have learned? This process can be repeated until you are satisfied with your retention.

Closing Comments

Folks tend to learn best when their studying is disciplined and regular. A fixed study time is helpful because setting one teaches the brain to quickly drop into a learning mode at the appointed time.

Also, they tend to retain smaller chunks of knowledge at a time so pick a time period somewhere between 15 minutes and an hour.

As long as it presents no health problems for you, eating just a little bit of sweet, like a teaspoon of honey, before each study period can enhance retention and comprehension. Why? Most likely it is because the brain is 90% fat by weight and uses exclusively glucose as an energy source.

While it is not part of the SQR3 method per se, I have found it helpful to take intense notes during class and apply the SQR3 method to my notes as well. Using highlighters, clips and post its can also further enhance retention by providing more things to which information can be attached.

I really hope this helps. It is applicable to any and every thing which one wants to master, whether we are talking about 6th grade civics class or PDFs on how to master SEO or how to work from home.

Best Regards,






Tim Singleton

If you are looking for a business with a product line everyone will love, click here.

What To Write About In Your Blog

writers-block-37580802What Do I Write About In My Blog?

Not knowing what to write about is a common complaint amongst those who are new to the world of blogging. They may be new to blogging, or maybe not so new.

A couple of general tips on what to avoid going in:

  1. Write about whatever you are interested in.
  2. Just write everyday
  3. SEO is a waste of time.

Write About Your Interests

While it is true you should write about that which interests you, you really should make sure your topics are in the same area. For instance, writing about the best dog house one day  and the best mac and cheese recipe the next is not going to earn you many points with Google.

If you are into gold sales, affiliate marketing and MLM, as I am, then all your posts should be along the lines of those subjects.

Just Write Everyday

Writing everyday is a wonderful goal. Unless you don’t have a job there are going to be nights where your eyes are just so sandy you will not be able to keep your focus long enough to do anything but wake up ever 15 minutes when you head hits the keyboard.

I know. I have literally banged my face on my keyboard trying to blog while exhausted from being at work all day.

A much better approach, seems to me, is to write 3 to 5 good quality posts a week. Put some thought into an article. Do a YouTube video and tie them together with links. Add some relevant photos to the body of the blog.

I really do believe, Facebook notwithstanding, that a little attention to detail, to proper grammar and to interesting content that has some real value to your audience will have huge returns in terms of trust between you and your audience.

People buy from those they trust.

SEO Is A Waste of Time

The folks who say SEO is a waste of time are wrong. Sure, there are a few folks who do not do SEO and have enjoyed a world of success. Learn it and prosper more quickly is all I can say.

Learning Google’s likes and dislikes can do nothing but increase your profitability in a much shorter time frame.

Invest, Learn, Teach

Easy as pie, something you can do to recoup some of your investments in all those courses you have bought and paid for.

Do a scan of you hard drive …let me rephrase that. Do a ‘search’ on your hard drive for all files named *.pdf.

You invested time and probably some time into them. If they were profitable to you in any way, take some time and figure out how it was this material helped you. Determine what it was you learned.

Write a blog and teach others what you have learned. This makes you an expert in eyes of the 99% of folks who do not know what you now know and you are providing them with value in return for them reading your post.

Top Ten Lists

All those motivational and business books you have been reading and collecting? The lion’s share of them have some kind of top five or ten lists on some business related issue. Take that top ten list and turn it into a blog post.

Top Ten Lists Rock for Blog PostsFolks love top ten lists. A list takes a ton of information and condenses it down to a quickly mastered distillation of valuable knowledge.  These lists often give you a road map for discovering things you need to know.

Don’t have so many books or are in a tight? Your public library astonishingly has most of these books on their shelves and that is free. Make a run by your local bookstore to see what is hot and then check with your library. If they don’t have it they can generally get it by inter-library loan in a few days.

If this helps you, please comment and share.

Best Regards,





Tim Singleton

Want to get started in your own business with a product folks don’t mind a drawerful of? It is free to get started and has no auto-ship requirements.


The Price of Gold Is Up! Horrors! The Price of Gold Is Down? Horrors, Take 2!

Ever notice that no matter WHAT gold is doing, it bodes ominously for the economy and the fate of mankind?

Watch the news; no matter which way metals are moving it is a terrible thing.

My opinion?  …and let me be clear, it is an opinion.

First, quit listening to the television.

Most of the financial experts are on the air because of their ‘gravitas’ ( a solid gag me until I die word if ever there were one) and not because of their ability to call accurately.

Second, keep buying, up or down. Call it dollar cost averaging like in the old days.

If the price is going up, it means what you have already purchased is worth more.

If it goes down, use it as a reason to buy MORE.

People run around bemoaning the fact that the price is so low, that the price of gold is being suppressed by manipulators at J.P. Morgan and like organizations.


If that is true I say we celebrate and act like the capitalists we claim to be and pick up a stack.

I say you should quit worrying about the price of gold and silver and start worrying about coming into possession of a certain number of ounces, in your PERSONAL possession.

Here are my reasons why:

1. Focusing on grains, grams or ounces takes your mind off the theoretical price and onto something you can see taking shape right in front of you. Can you imagine being in possession of a green box of gold or silver? I can.

2. Physical ownership makes things safer and more secure for you should something really bad happen in the world. Shares in some vault makes me skittish. I am not saying you should not do this as I don’t know your situation. I AM saying at least some significant double digit percentage of your metals should be close enough to lay your hands on them anyways.

Best Regards,


Want to start a business but cash is tight? Entry level for this business is FREE.


Sometimes when you sit down to write, you brain gives you the universal sign for peace and there you sit.

You might even manage to hash out a blog post straining through the mental equivalent of having eaten too much cheese. It’s no fun, you don’t enjoy the process and you know the end product ain’t right.

No one reads it; folks know constipated composition when they see it.

Having tried for three days to write a good post on Karatbars, progress was finally made when I went out searching for the term ‘who is succeeding in Karatbars.’ Yes, it was a fiddling day.

I left a comment on one fellow’s blog where he wrote an excellent post.

I looked at my comment and realized I had written the post I was struggling to write while I was not looking or paying attention.

Here ’tis.

Why Karatbars

Karatbars is something that I joined for free. Nothing was done because I was sooooo busy chasing selling 100% commission digital products.

Frittered about with Karatbars a bit because I like its premise which is selling gold in affordable amounts so that ordinary people, like you and me, on an ordinary budget can protect ourselves and our loved ones from the wealth transfer that looms over us all like the digital tsunami that hangs over the American coasts in all the disaster movies.

Financial tsunami

Even now we all see it.

It’s right there.

We all act as though it is digital

It is not digital.

The debt tsunami is very real and it will break sooner or later.

KaratBars Appeal

I was totally shocked when someone signed up under me last week with no effort on my part. I am taking that as a sign to get serious about Karatbars.

That is appealing; that is sexy.

LBMA means Karatbars can be used to settle debts, even with banks.
LBMA means Karatbars can be used to settle debts, even with banks.

Selling digital products is a fine business. I am proud of all the digital products I have sold because the product themselves are not the point, but what they do is.

Not all digital products are created equal. It seems to me that a lot of businesses are based on the idea of buy xyz digital product that teaches you to sell xyz digital product so that Joe Bob can buy it from you and learn to sell xyz digital product to Bobbie Sue so she can do the same.

Yeah, you have sold a product but so has the fellow who sells you envelopes to stuff. At their core,  many digital products are not much different from an envelope. This appeals to folks looking for the easy way out and they never stick.

Karatbars sells the purest form of money; you cannot do better than that for a product.


You Want To Protect Your Family

This goes without saying, but we will anyway.

You want to protect your family, right?

Increasingly, you feel a growing unease about the future, correct?

Who wouldn’t? Many feel we are watching civilization disintegrate.

You saw the Baltimore violence. Did the mayor really tell her police force to stand down so there could be an outlet for destruction? You be the judge as to what that means for the future.

You see the tsunami, standing there, glistening in the sun hardly moving.

What will you do when the economic wizards who built it in the first  place can no longer hold it in place?

By the way, those wizards are buying gold hand over fist while they tell you not to worry.

Numbers don't lie

You want to go here, learn about how simply, easily and affordably you can protect your family from the future that has already been written.

Karatbars was designed specifically to help you help your family.


Tim and MaryJane





Baltimore Violence

Who I Am

I am a white male. I am a Christian and I am a Capitalist. I believe in the Second Amendment and America’s exceptionalism.

Today, I have decided to let a strong, black woman speak for me on the Baltimore situation. President Obama needs to listen to her, too.

God bless her for telling the truth. Her language is very strong, but hey, she is correct in her points.


America: Imagine the World Without Her

Dinesh D’Souza

Dinesh D'Souza
Dinesh D’Souza

Dinesh D’Souza is an immigrant. He chose to be an American. Not an Indian-American, he chose to be an American, like me.

In an age where the favorite tactic is to outshout, not out reason, your opponent, Dinesh D’Souza  quietly overwhelms America’s haters with facts, with historical bonifides that cannot be denied.

In Dinesh D’Souza’s America: Imagine the World Without Her we are given answers to all the condemnations of ourselves, our history and our country to which we have not had access before because part of the Progressive battle plan has been to deny us the history which would have given us those answers.

America has been a force for good in the world, despite what the Progressives would like to think and about which they go to such great lengths to lie.

Even those who despise us, when given the choice of surrendering to our forces or the forces of any other military force on the planet, will rush towards the American line like a toddler rushing into his mother’s arms.

My Experience

Ronald Reagan’s first election was one that I was born 26 days too late to participate in. My contribution at that point was limited to bearing his bumper stickers on my car and singing his praises to everyone who would listen.

With the Prime Interest Rate at more than 20%, that included just about everyone.

1980 was a time when, it seemed, the entire country had just broken a terrible fever, the kind that came with terrible night sweats and dreams making you wonder if you would make it to the morning light.

Reagan led us in such a fashion that people had hope for the future. Hope for the future and an energy that made you leap out of the bed and rush to the day’s activities, certain of victory in pursuit of your goals.

This is a most hateful state of affairs for the Progressives and others who are not happy unless the world is miserable.

Dinesh D’Souza’s America: Imagine the World Without Her will lift your spirits and make you realize that the faith you feel in your bones in the basic goodness of America and her special place in history is more than justifiable, it is proven.

You can view America: Imagine the World Without Her on Netflix and Amazon.







Tim Singleton

What Is YOUR Dream Life?

If you like this post and/or find it helpful, please click on the buttons below to share it. Also, please comment so that I know in what ways I am helping you or what in particular you are looking for. -Tim

Bad Focus Points

While you are out driving, say for a Sunday vehicular walkabout, have you ever noticed that if you focus on a sign or something interesting, the car begins to drift in that direction?

This is why they say, “Keep your eyes on the road.”

Up until not too long ago, I never knew how many folks lived in a negative space, one of only focusing on what they don’t want. Never, not once, have they thought about what they DO want. If someone asked me for a percentage I would have to say high 90’s.

We know from the Law of Attraction that this is exactly what you don’t want to do.

Good Focus Points

You get what you focus on.

If you focus on what you want, you get what you want.

If you focus on what you don’t want, you get what you don’t want.

Focus on what you want.

If you find my statement that, “Never, not once, have they thought about what they DO want,” understand that wishing to retire living on an island drinking fruity drinks is a substitute for a hated job, not a dream for how to live one’s life.

Being swept up in in the desire for the pictures some ‘guru’ put up on his page are not goals, they are distractions keeping you from what you really want.

Do you really want a $200,000 sports car? Do you really want a home so big you have to spend another $100,000 a year just to keep it up?


Are these the things you want or are they things you believe will distract you from the pain of your existence?

What Pain?

The pain that makes you get up at 2AM because that is the only time the phone is not ringing from creditors.

The pain that makes you drive like a maniac on the road, knowing all the while that it is not them you are really mad at but the pain of being locked in a life you hate.

Focus, like that X-ray laser Edward Teller wanted to build, focus on what you want and keep at it and the universe will start moving those colossal gears in your favor.

What To Do Right Now

  1. Get a blog and start blogging1.
  2. Find someone you believe in and read his books2.
  3. Watch him on YouTube, as well.
  4. Think about what it is you want.
  5. Ask yourself why you want it.

Take some time and think about it.

Decide what you want, and why, before you go into a business that you hate as much as you hate your job.

Reading List

I have included a list of books I believe in. They helped me. Here they are in no particular order:

  • Rich Dad, Poor Dad by Robert Kiyosaki
  • Who Took My Money? by Robert Kiyosaki
  • Prophecy by Robert Kiyosaki
  • The Law of Success In Sixteen Lessons by Andrew Carnegie

This is a get your feet wet while you figure out exactly what it is you want to accomplish.

Look around; see what others are doing.

See what’s working.


Let me know your thoughts.


Tim Singleton

1. Own your blog. Bite the bullet on having a hosting account. If others control your blog, then others can control how you use it. Build your own blog and do frequent backups to your personal hard drive.

2.If I had to pick one(1) book to start with, my advice is the original.  The Law of Success In Sixteen Lessons by Andrew Carnegie is what started it all. It is $4.95 and downloadable as a PDF.

Hard Times

If you like this post and/or find it helpful, please click on the buttons below to share it. Also, please comment so that I know in what ways I am helping you or what in particular you are looking for.  -Tim

Hard Times

Hard times are coming. Of this, I have absolutely no doubt. Some of you will justifiably say, “Man, what the hell are you talking about? Hard times are here!”

With unemployment actually running in the 20% range and some 40% of the population needing some type of subsidy from the government I have to agree, hard times are here.

Worse times are coming, though.

Inflation Is A Tax To Benefit Friends of Government

Industrialists, aka assholes masquerading as capitalists, love to talk about the wonders of free enterprise all the while funneling campaign funds to their whores in Congress.

If there is anything to be done about this as it sits, I don’t know what it is.

I just find myself thankful there is still room for an individual to claw his way up with hard work to healthy six and seven figure incomes.

Inflation is a weapon against those of us who want to make it to retirement before we are too old to enjoy it.

See, when the government prints money, or adds zeros to a bank account for the benefit of its friends, they have what is called first use.

Those worse times I said were coming? That is due to this government not having enough money to pay its bills. Printing money for the government is similar to you and I continually borrowing more money to pay bills.

At some point you and I run out of credit. At some point people will lose faith in the dollar. While I don’t believe it will happen tomorrow I do believe it will happen.

That will be a very bad day.

If you do not have preparations for that day you and yours will suffer. The rich are getting ready for it, believe it.

First Use of Money, What It Means To You

That new money is worth more to the person who first gets to spend it. By the time it reaches the end consumer,  the average citizen, by way of having been used to buy goods and services on the way down it has made each dollar worth less. This is inflation.

To put it another way, if the money supply goes up by 4.9% as it did in 2014, then the rate of inflation is at least 4.9%, not the claimed 1.5% which everyone who does grocery shopping knows is a lie.

Here is one source that, based on CPI calculations for 1990, shows inflation to be truly moving towards 15%.

How can you retire by making 10% on your money when inflation is eating away at its capital worth at the rate of 15% per year?

You can’t.

The way you get wealthy is you make money faster than inflation can degrade its worth.

That means living on less than you earn and earning more than you need.

Earn More

If your job does not have the ability to allow you to do that then you need another job, a second job or a side business that will provide you with cash flow so that you can buy assets that produce more cash.

A home based business that allows you to work from home has the most flexibility. It interferes the least with your job which in these days you really don’t want to lose until you are confident your cash flow is steady.

Best Regards,

Tim and MaryJane





Tim Singleton

(with the love of my life, Mary Jane Singleton)

Earning Income From Home, Part 2

If you like this post and/or find it helpful, please click on the buttons below to share it. Also, please comment so that I know in what ways I am helping you or what in particular you are looking for. -Tim

Earning Income From Home, Part 2

In Earning Income From Home, Part 1, I talked about some of the basic parts of the why and how and some considerations concerning working from home. Today, I will cover two ways in which you can work from home right now generating immediate income.

Those two methods are:

  1. Freelance jobs using skills you have now.
  2. Surveys, marketing focus groups

Freelance Jobs

Do you know Excel? Do you have an English degree? Project management skills?

These types of skillsets are in demand and are a major source of freelance and consulting work, work done at home.

Elance is an excellent source of freelance work. I am registered there myself.

Here is an article a fellow was kind enough to put together. He likes ODesk, I like Elance. You should check out both.

Surveys and Focus Groups

Getting paid to do surveys is a growing business. There are people who consistently make money by taking surveys and engaging in focus groups. I myself have taken surveys that paid me as much as $80 for my time.

Generally, surveys will pay your between $5 and $75 for expressing your opinion as a customer.

Focus groups will pay you upwards of $150, too.

Can you retire on such things? Will you get rich? No, but you can surefire pay the costs of starting that business you have been salivating over joining but just will not fit into your budget.

Click here to see how you can get started taking surveys so you can get started in that business you have been wanting to join …or make it easier to buy groceries, pay bills or start that savings account so that when the business opportunity for you comes along you will not have to sweat over it. You will have built up your capital account so you can hit the ground running.

To Sum Up

If you want to start a business and you have no budget and no resources, job one is to immediately generate additional revenues with which to start your business.

I separate out the idea of working hourly or by piecework as a different issue of building a business that will pay you 24×7, even when you are sleeping.

The two methods I have proposed are:

  1. Using your skills as a freelancer
  2. Using your opinions in surveys to provide much needed marketing data for interested companies.

Best Regards,

Tim Singleton

Providing Proven Affiliate and Network Marketing Education