|
|
Money Messages from OwnYourMoney.com
|
|
| From Belinda Fuchs, CPA |
Edition: II-2009 |
|
Greetings!
Tax Time is over! It has been busy here at OwnYourMoney.com and not because we are doing taxes. (Thank goodness!)
We have been helping business owners make more money, couples come together to save more money (and enjoy the partnership doing it), and all of our clients stress less about their money by taking control of their finances in a whole new powerful and fun way.
I want to ask a quick favor of you-- today I am speaking (maybe right now...as you read this) at the Greater Hartford Women's Conference and I would love it if you could send me a happy thought filled with good luck.
Thank you so much.
If there's one thing I want for you out of today's Money Messages edition, it will be that you keep your 'tax time' momentum going -- thinking about your purchases, tracking your money coming in and going out, and getting organized so that next April isn't so difficult.
Enjoy the Feature Article, "The 3 T's of Personal Finance", to discover how to do just that... plus reduce the stress caused by financial uncertainty, save a whole bunch of money every month, and start communicating better about money.
Enjoy,
Belinda and the OwnYourMoney.com Team
PS - Think green and save green with our COUPON SAVINGS in honor of Earth Day!  |
Feature Article
The 3 T's of Personal Finance
By Belinda Fuchs, President, OwnYourMoney.com
Did you enjoy tax season this year? How about last year?
If not, I believe that the future is what really matters.
And so the only important question is:
Would you like to enjoy tax season next year?
OK, maybe enjoy is too strong a word--so how about if filing your taxes next April is easy and stress-free? Just a few minutes a month, from now until the end of '09, can save you hours of torment and a few bottles of headache remedy next April. Sound good?
The cure for what ails you is NOT at the bottom of an Aspirin bottle-- it's in following the 3 T's of Personal Finance:
1. Tracking your finances. Most people don't know where their money is going... and this stresses them out! The stress is based in uncertainty. So here's something you can do today that will help you...
- Record how much money is coming in and how much is going out each month. Are you earning more money than you are spending, or are you spending more than you are earning? For an extra gasp, first write down how much you think you are spending each month and then compare it to a recent actual month. The differences are often startling.
- Store your receipts by month or by vendor so they can be easily recalled when you need them.
- And, if you own a small business, it is absolutely crucial that you track your business finances separately from your personal finances.
And the cure is so easy! Sometimes it just means making the phone calls that need to
be made. For example, if you're not using all the minutes on your cell phone plan, then call the company and ask them what they can do.
If you're paying a lot of interest on your credit card debt, you can call them too. One of our clients saved over $33,000 by doing this one tiny little thing. He just picked up the phone, made 3 calls, said what I advised him to say (and not to say), and that was it... $33,000...on credit card debt of less than $18,000!
Besides just taming your expenses, the flip side is also looking at how you can be maximizing your income. Whoever your boss is (yourself or your employer), consider yourself self-employed and look for ways you can be maximizing your value in the marketplace--and getting paid appropriately for it.
3. Talking about your money. It's time to stop pretending that money is a taboo topic. I know it was for so many of us growing up... but that was a mistake. There is no reason to keep making that same mistake over and over again.
I know a woman who didn't find out that she had a tax lien on her house until
the IRS agent showed up at her door. Her husband had been sheltering her from their financial problems, but if he had
been more open, then she could have helped.
Once you start having a conversation about money, you start to realize that this is something you can gain control
over. Now that this couple is communicating about their money through our coaching program, they have caught up two years of reimbursements due to them (over $10,000!), are nearly up to date on all of their bills, and are both so happy to have created a safe space to have conversations about money.
If one good thing comes out of this downturn, it will be that couples and families will start talking about money, get responsible for their finances, and finally own their money.
Follow these simple guidelines: Track your finances, tame your expenses (and increase your income), and talk about your money. You will not only save time, stress, and money come tax time...you'll see a difference as soon as next month!
WANT TO USE THIS ARTICLE IN YOUR E-ZINE OR WEB SITE?
You can, as long as you include this complete statement with it:
Belinda Fuchs, CPA and Wealth Coach, is the President of OwnYourMoney.com and host of Boston's newest TV talk show
"Money On Your Mind." If you're ready to make more, save more and
stress less about your money, get your FREE money success tips from
Belinda now at: www.OwnYourMoney.com.
|
| Success Stories
We are so proud of our Coaching and Small Business Success Program members, especially this month!
Here is just one example:
Don joined the Small Business Success Program (formerly the OYM Club) in September 2008 after being laid
off. He began thinking about starting his own photography business. Using the tools and coaching the program offers, Don went from a paycheck mentality to an entrepreneurial one...he's now making an income doing what he loves!
Plus, based on just one tip Belinda gave on an SBS call, Don was featured in a national publication, giving his new
business some greatly needed exposure and credibility.
From that
article, he landed several jobs and
now has a
contract with a film company as a set photographer for
an
upcoming motion picture being filmed in Austin, TX.
"I'd always planned on making photography my
retirement business. Were
it not for my involvement
with Belinda's program, I probably would
have jumped
right back in the corporate world rather than living a
much
happier life pursuing my passion right now."
Don Bender, Photographer, Austin TX
www.photobender.com
For more success stories, please visit our Small Business Success Program page at:
http://www.OwnYourMoney.com/SBSProgram.aspx
If you want your own support and profitable results, read below to "Join the Small Business Success Program".
|
Join the Small Business Success Program
Program Special: $1.00 for 30 Days (silver membership).
It's a tough time to be in business right now. The special group of entrepreneurs in the Small Business Success Program is making more and more money the tougher these times get!
I understand that when you're in business you need to track your Return On Investment. You should know exactly how many dollars you get back for every dollar you spend. I've decided to make your calculations very, very easy for you with this promotion.
Members have been averaging over $1,000/month in increased revenue--extra money saved or made--as members of the Small Business Success Program. I'm going to give you an opportunity to try a full month of the program for just $1.00.
Would you like to do the math with me?
It's 1000 to 1 return and I'm happy to give it to you. We are absolutely rockin' and rollin' and we'd love to have you on our next call - THIS MONDAY, May 4th, 8:30pm EST.
You can get the details here: http://www.OwnYourMoney.com/SBSProgram.aspx.
And use this coupon code in the shopping cart to save $96 off your first month:
SBSTRIAL.
|
OYM Programs and Events Money Mind Makeover - Get a Plan
Thursday, May 14th, 6:30pm-9:30pm, Boston, MA
- Are you your own worst enemy when it comes to saving?
- Do you know where your money is going?
- Would you like certainty with your finances in these uncertain times?
Whatever your income, it is now even harder to find the money to finance your goals and find financial peace of mind. Getting a new perspective on wealth, resetting your beliefs and creating new behaviors will help you stress less and spend better. Now it's more critical than ever to establish your financial security . . . but where will you begin? Get a Plan!
Course details:
Led by Belinda Fuchs, CPA, President of OwnYourMoney.com
Thursday, May 14th, 6:30pm-9:30pm, Boston, MA
100% Money-back Guarantee! If you have not learned specific strategies, tools and tips to make or save enough money to at least cover your investment (usually 2 to 10-fold), we will promptly return your money back.
What graduates are saying:
"The seminar was excellent and really inspiring!" ~ Karla, Youth Worker
"I was inspired that so many women of varying degrees of wealth, age and knowledge shared such similar belief systems around money. Although the self-talk was tough to hear - people being so awful and negative to themselves - we all recognized it was not true and did great turnarounds! GO US!" ~ Katie, Admin Assistant
"The importance of a specific inspiration was an "aha" moment. I always knew goals were important but the inspiration helps with the stick-to-it-ness." ~ Wendy, Advertising Executive
Registration is now open: www.tinyurl.com/moneymindmakeover.
This fun, engaging and interactive course will be held Thursday, May 14th in Boston, MA.
Private Coaching
One-to-one coaching provides the 100% focus on your situation: your business, your family, and your unique challenges. Most importantly, Belinda will draw on her lifetime of experience to help you achieve your personal goals: looking directly at every detail of your finances to create more money. Clients can expect to make or save $10,000 - $12,000 in the first 3 - 6 months with this program. Belinda specializes in empowering women, business owners, and couples.
Would you like to achieve these results?
Now is a great time to start your three-month program. Email us as at info@ownyourmoney.com to
set up a time to talk. We'll go over your circumstances, talk about the
program options and create the best fit for your needs.
Upcoming Events
- Wednesday, April 29th, 2009 - Greater Hartford Women's Conference - "Women and Money: It's Emotional Business"
- Monday, May 4, 2009 - Timeless Women Speak Radio with Dr. Nancy O'Reilly, PsyD
- Monday, May 4, 2009 - Small Business Success Program teleclass, 8:30-9:45pm EST
- Thursday, May 7th, 2009 - The Business Station WBIX AM 1060 - The Financial Consultants with Ron Birnbaum radio show 7am-8am- listen live or online at www.wbix.com.
- Monday, May 11th, 2009 - Small Business Success Program, GOLD members teleclass, 12:00pm-1:00pm EST
-
Access OYM's Full Calendar
|
In the News
PRINT
Realtor Magazine (April 2009) - "For Brokers: 7 Ways to Rein in Costs Now"
- Advice for real estate brokers to get control of their costs and build profitability.
Toilet Paper Entrepreneur (March 2009) - "Business Tax Tips"
- Helping business owners to maximize their deductions on business travel.
Skirt! Magazine (March 2009) - "The Delicious List"
- Answering the question, "If you want to seal the deal, where would you schedule a business lunch?"
RADIO
The Dino Herbert Show - Everyday Hero "Inspiration for Aspiring Entrepreneurs" April 2009 -
Belinda
provides tips, strategies, and inspiration for aspiring and established
entrepreneurs looking to increase the profitability of their business.
The Business Station - WBIX AM 1060 - "The Financial Consultants" with Ron
Birnbaum - featuring Belinda on "Adapting Your
Business to Survive"
- March 2009
The Business Station - WBIX AM 1060 - "The Financial Consultants" with Ron
Birnbaum - featuring Belinda on "Money and Relationships"
- February 2009
TV
Money On Your Mind TV Show (April 2009) - Making Sense of the Current Mortgage Industry
Guests Rich Vernet of Winter Hill Bank and Amy Slotnick
of Fairway Independent Mortgage shared their expertise on mortgages,
including important mortgage terminology, how to interpret the state of
the industry, what to consider if refinancing is right for you, and how
to make the most of the current mortgage environment.
 |
OYM Tip - Starting a Business
Creating an
additional stream of income may be the best and most secure way to grow your
finances in 2009...and that means looking into starting your own business.
Starting your own business is what we call a 'layoff proof' endeavor. Because
you are not going to lay yourself off, right? What that really means is that your security and
your income is totally up to you.
Here are my Top 5 Tips to follow when you're starting a new business:-
Don't underestimate what it takes to make it as an entrepreneur... you need
to get yourself out there. Asking for business, asking for referrals, and stepping
way outside your comfort zone.
- Take a 'Ready, Fire, Aim' approach. In other words, don't over analyze...
just take action and adjust your course based on the results you see.
- Create a sales and marketing plan, not just a product or service plan.
Remember that it's the Best Selling Authors that make all the money, not the
Best Writing Authors.
-
Know how much money you want to make going in, and build clear streams of income
to help you get there.
- Don't give too much away upfront. Price and package your product or service so you can
make some money right away, and make sure you are positioned for a target
market that has urgency in wanting what you are selling--and has the money to buy it.
Lastly, the tip that has been one of the hidden secrets in my professional success--having a coach. A coach that you trust, respect, and admire. As a new client just said to me on Sunday, "I have what it takes to be where I am, but I need your help to get where I want to be."
Want more tips for new businesses? Listen to Belinda on Dino Herbert's radio show or check out the Small Business Success Program...
Consider starting your new business today--with the inspiration, clarity, and resources to ensure your continued success.
| |
|
|
|
|
|
|
|
|
20%
Discount  |
Think Green and Save Green!
The
largest retailer of discount ink and toner cartridges, with savings of up to 50% compared to superstores, is offering OYM subscribers a special discount.
Save 20% off their already discounted prices!
With your laser or inkjet cartridge refill.
$15
purchase and exchange cartridge required.
They supply ink for over 700 cartridges, 200 inks and 50
types of toners. 100% Money Back Guarantee- They even guarantee your
printer. Cartridges function
as well as manufacturer inks!
Call 617-661-INKS (4657) or visit one of their Boston locations in either the Back Bay at 265 Mass. Ave. or Porter Square at 2032 Mass. Ave to redeem your discount today.
|
|
Offer Expires: May 31, 2009
|
 Our Mission
To forever transform the way people think, feel and act about money - providing hope and direction for individuals, couples and families.
| |
|
