Learning To Live Without

America is unique in the world as a nation with a culture of super consumerism. I sometimes can’t believe the lengths people will go through to get what they want. The savings rate in the US is laughable. Compared to other countries, the US boasts one of the lowest savings rates in the world. This combined with the fact that debt and credit are out of control is a recipe for disaster.

The next decade will be one of tremendous change, not out of willingness but out of necessity. Americans can no longer be reckless spenders and macro economic fundamentals will force them to change. At some point you have to ask yourself why you need two large flat screen HDTV’s, a laptop, desktop computer and tablet, an Acura and the largest house you can afford on your salary. In addition, the pressure to maintain this lifestyle can cause tremendous stress which can affect your health and even shorten your life. Why do people find it necessary to look like everybody else and have what they have? We’re teaching our children that owning 2 or 3 iPods because they want different colors to match their outfits is OK. Young women grow up and want expensive engagement rings, expensive weddings and are terrified if their date uses a coupon at a fancy restaurant because it’s seen as a sign of being cheap and not being able to provide for her. This is insanity! Being rich and financially free isn’t about having more or better stuff than another person, it’s about not having to worry about personal finances. Living a life of competition with others over salary, cars, houses and things will not get you there but will instead lead you down the path of debt and depression. Instead, learn to live without. This doesn’t mean not having any of these things but it does require you to be smart with your money. Buy a Chevy or Ford instead of a luxury car. Buy a smaller house and leave some room in your budget for piece of mind. Own one computer and find a way to share it with others. Use coupons and buy items on sale or used. Contrary to the marketing we see everyday; happiness is not a result of what you own.

In the next decade two types of Americans will emerge. One will spend the rest of their life trying to dig out of a hole and barely scrape by, probably never retiring. The other will have savings, own assets (gold, real estate, antiques) and buy lots of stuff on discount from people in the first group. Which group will you be part of? The choice to change is up to you and only you can change yourself but for those that become part of the second group, the future is bright and the path to financial freedom a reality.

Make Money Without Money – Errands Will Have Your Bank Account Up and Running in No Time

Making money without money requires a bit of extra thought, but there are plenty of ways to make some extra cash if you have none. Running errands for the elderly is a perfect example, if you have a car, pen and paper, and are trustworthy and responsible you can have yourself a business in no time.

Many elderly men and women are well enough to be on their own still, but might not be able to drive a car, or perhaps walk for extended periods of time. This opens up the opportunity for you to provide a much needed services as well as making a bit of extra money on the side.

Check with other similar services in your area to see what would be an appropriate sum to charge your clients. Remember that most seniors are on a fixed income and cannot afford much so be sure to set your prices accordingly. Set your charges according to the errand, the time involved and the distance you will need to drive, you will need to charge more for a trip across town to the grocery store than you would to drop off dry cleaning around the block.

There are many types of errands you may be asked to perform, they could range anywhere from doing client’s grocery shopping to picking up a newspaper for them. If you are asked to pick up medications you might ask for the complete name and dosage information to be sure that you are getting the right medicines from the pharmacy, your clients are going to trust you to think of little things like this.

Keep a notebook with your clients names, the types of errands they ask you to perform, any grocery lists or medications you are asked to pick up on a regular basis. This will save you time, save them trouble, and make your job much more efficient.

If you live in an area that has a lot of retirees or a retirement village, this will make the job of marketing yourself much easier, a bit of door to with fliers or business cards should provide you with plenty of work. If you do not live in a retirement area then you will need to rely on word of mouth and finding places to leave your fliers, places that seniors visit frequently such as senior centers, doctor’s offices, and grocery stores are some of the best places to leave them.

Running errands is a perfect way to make money without having any money to invest; you will make an extra income while performing a vital service for those who cannot do these things for themselves.

Make Money Without Money – Deliver Groceries While Taking Money to the Bank

If you have a car and are looking for a way to make money without money, then a grocery delivery business might be right up your alley. People’s lives are getting so busy these days they don’t have time to do everything they need to get done in a week. Spending time cruising through the grocery store and waiting in a long line at the checkout is the last thing they want to do after a busy week. There are also a large number of senior citizens and people that are handicapped who would sincerely benefit from your delivery services.

There is quite a bit of preparatory work involved in getting this type of business up and running but none of it costs any money. The first thing you are going to need to do is get in touch with your local grocery stores, many of them offer an online ordering service but would be more than happy to work with an independent delivery person.

For those stores that do not offer this service you will need to take the time to draw up an order form of your own that lists what they carry and the prices they sell it for. This can be a major chore as prices tend to change frequently; fortunately most stores now offer online ordering.

You can set a program up on your computer to keep track of orders that you have taken, who they are for and when they want them delivered. You should make sure you have a good quality answering machine or voicemail box so that people can leave their orders with you or tell that they have placed their orders at the store.

You will need to decide how far you are willing to deliver if you live in a larger area and the hours that you will deliver in. You should take into account not only travel time but the amount of time it will take you to do the actual shopping if necessary, although pre-orders should be bagged and ready to go. You need to decide how you are going to ask your customers to pay for the groceries and whether you want them to prepay for them or pay for them at delivery.

You will also need to decide how you are going to charge for this service, you can charge per delivery or a percentage of the grocery bill, the most common is the flat fee charge since the customer will always know what they are going to pay for your services.

Getting started is fairly simple you need to talk to all your local grocery stores and let them know what you are planning to do, ask them to let you place fliers on their bulletin boards and even at the cash registers for customers to take home. Canvas your neighborhood and leave fliers at all the homes, check in at your local senior centers and talk to people there and leave fliers at community centers and Laundromats.

Remember the more you spread the word about your new business the better the chances of success for your new venture are. This is definitely a great way to make money with a new business when you really do not have any money to start with.