A Rich Life – With Or Without Money

Have you ever looked at people who seem to be less fortunate than you, and they seem to be happier than those who have more? At the same time, have you ever looked at people who seem to have everything, yet they look miserable and unhappy? This is because you don’t have to have money to be rich. You can have a rich life with or without money.

3 Ways You Can Have a Rich Life With or Without Money

There are many ways you can have a rich life with or without money. What many people don’t realize is that it is not the money you have or the possessions you have that give you a rich life. A person who lives paycheck to paycheck, can have a richer life than someone who has millions of dollars.

Anyone can live richly with or without money if they have love and family. I don’t have a lot of money, like many people today, but I do have love. I have my husband and 3 of the most beautiful children in the world. Everyday they come home from school and rush to give me hugs like they haven’t seen me in a week and want to tell me about their day. That is something that money can’t buy and something a lot of people don’t have. And to watch my husband making brownies with our 3 years old little girl, and getting more brownie mix on the counter and floor than in the bowl, and powdered sugar on their faces than on top of the brownies are moments and memories that make my life rich.

For those whose lives are not rich through family, they can also have a rich life with or without money through their job. Although their job may not be very glamorous or be high paying, it is a job they truly love. They love what they are doing because they have great people to work with and are making a difference in people’s lives. A rich life through a job isn’t as common, because a lot of people want to just make as much money as they can and will usually want more, even if it means a job they don’t like as well. But if you love your work, and feel you make a difference and help people, you may have a rich life and just not realize it.

For others, living richly with or without money comes from their giving hearts. Whether it’s volunteering at a hospital, reading to the elderly, or delivering food for the Meals on Wheels program, their lives are rich by helping others who really need it. There are so many opportunities to volunteer at, and is an incredible way to have a rich life with or without money. To be giving of your time not only enriches your life, but can also enrich the lives of people around you, and those you help.

Many have been confused on having a rich life with or without money, because so much revolves around money, and having a rich life is different, and often times even more rewarding, than just being rich.

Become Self-Employed – How to Make a Living Without a Job

One way to make a living without a job is to become self-employed. Becoming self-employed is not always easy and it requires a lot of courage, determination and hard work to make a good living. If you are toying with the idea of becoming your own boss or have already made up your mind to do so, then here are some tips you might want to check out:

1. Discovering Your Passions And Skills

One of the reasons why most people become self-employed apart from the freedom, is because they want to get involved in something they are passionate about and still able to make a good living from it. So the first thing you need to do is to list out all the marketable skills you have that are somewhat related to your interests.

For instance, if your passion is soccer, it doesn’t meant that you have to be a soccer player in order to make a living, but you can perhaps be a freelance writer for soccer magazines or various websites. Or you can even setup an online store to sell soccer merchandise if you have the budget. Remember, all skills can be learned if you’re determined enough.

Once you have decided how you will bring in an income, then you can do start doing some careful planning

2. Careful Planning

The next thing you need to do is to plan and calculate the amount of money you need for the year to meet your financial requirements. How much money do you need for your daily expenses, insurance, bills, and etc. Always have a backup plan, what are the things you can do if all things fail?

3. Execution And Take Action

And finally, execution! A dream is just a dream if you don’t take action. It is possible to make a living without a traditional job, but the question is, are you willing to take the first step in realizing your dream?

Economic Stimulus Package – Why It’s Never Been a Better Time to Start a Business Without Money

The Economic Stimulus Package has opened a window of opportunity for budding entrepreneurs desiring to start a business without money from loans. In fact, it has never been a better time to start a business than NOW, for anyone seriously considering self-employment. Why? Well, to fully understand the answer to this question, let’s take a look at how the American Recovery & Reinvestment Act could impact your family. 

Tax Breaks: Payroll tax credits to the tune of $400 for singles and $800 for married couples, provide working Americans with more money in their weekly paycheck. Low income families also benefit from an increased child tax credit and earned income credit. College students are also reaping the benefits of the economic stimulus package, with an expanded tax credit benefit of $2,500 for tuition and related expenses.
 
Unemployment Benefits: The jobless get a leg up, with increased weekly benefit checks and a plan for suspending taxation on those same benefits.
 
First-time Home Buyer Incentives: Uncle Sam is dishing out an $8,000 tax credit for home purchases made through December 1st, as an incentive to stimulate the slumped housing market.

 
Auto Sales Tax Deduction: Car buyers get a boost by having the added advantage of deducting the sales tax paid on any vehicle purchase, from their taxable income.
 
Energy Efficiency Savings: Weatherizing your home can save you big bucks.  The new stimulus package provides for $4.3 billion in energy efficiency tax credits. Homeowners are entitled to 30% of the cost of home improvements (such as window replacements, doors or upgrades to heating and air systems) that increase energy efficiency, with a cap of $1,500.
 
So why is it such a good time to start a business without money from bank loans and outside investors — and how can you get started? All road signs indicate that the time is ripe now.  Here are 3 tips to help you get started on the road to success.
 
#1: Take Advantage of Increased Take Home Pay
 
The economic stimulus package is putting more money in your pocket. With increased payroll tax breaks, the government is hoping that you will spend more – in order to stimulate the economy. Don’t do it! The misuse or credit is the root cause of inflation. That’s the core problem that has put the nation into recession.
 
#2: Cut, Spend Less, Save More
 
Ruthlessly cut your current spending habits by eliminating all unnecessary expenses from your budget. Don’t allow the tax breaks to entice you to spend more. Create a financial plan and spend less by consolidating all expenses. Save more by getting rid of any unnecessary expenses, and put that money aside in a savings and investment fund — no matter how small the amount.
 
#3: Bootstrap, Bootstrap, Bootstrap!
 
Now that you have more money in your paycheck and a plan for reducing and consolidating your monthly outgoings, you’re on the brink of success. The final leg is to investigate bootstrap financing. Learning how to start a business without money from bank loans or borrowing, can only be achieved with a proven bootstrap financing system. This final step is essential to your long term business success.

 
The economic stimulus package has many incentives for budding entrepreneurs. Take advantage of these incentives by putting a plan in place to start your own business. There has never been a better time to benefit from the “gaping hole” left in the marketplace from weakened competition, due to corporate downsizing and cutbacks.
 
Start your business TODAY – even if you have very little money, poor credit or don’t own a home. Find free sources of business start up funding and turn your dreams into a success story.
 
To learn more, request your free copy of “The Bootstrapper’s Business Start-Up Planner”, by visiting my website.
 
©2009 Kimberly Kelly – All Rights Reserved Worldwide.
 
Permission to reprint this article is granted strictly on the condition that it be reprinted in its entirety, with all live links and author bio in tact.