How Get Rich Without Money

The key to becoming rich without money is real estate. No other investment allows you so much leverage and possible wealth as real estate.

After learning the techniques I am about to show you you will never need a job again. This information will give you complete freedom to make money and do what you want with your time.

Getting property without money is done using two financing sources.

1. Banks – Most investors go through conventional banks to get their mortgages. After the crash in real estate prices no bank is lending 100% loans however there are two legal ways around this.

A. The first option is to get the bank to finance from 70-90% of the loan on a first mortgage while getting the seller of the home to finance the remaining 30-10% on a second mortgage. This works very well unless your bank will not allow it then you will have to resort to plan b.

B. You buy a property for below market value which is not hard in the current market. You then have the property appraised at the higher value. The bank can then loan 70-90% of the appraised value which will give you 100% of the sales price.

2. Owner-financing – The easiest way to get 100% financing is through the seller of the property. However two things will need to happen. The seller must not live there and the seller must not need the money right away since you will be making monthly payments directly to him.

In conclusion, getting property with no money is relatively easy and can be done by anybody that is determined and persistent. In very short order you can become rich without the use of money

Living Without Credit Cards

Living without credit cards is one of the key factors in paying off debt fast.

It is important to stop using your cards, if you have accumulated certain amount of  card debt.  Continue using these cards, most likely, your debt will grow each month and prevent you from building wealth.

So, how do you live without credit cards? Here’s how:

1.) Track your spending habits as well as your expenses to see where you spend your money. Change the habits that are leading you to constantly use your cards.

2.) Create a budget. Set up a realistic spending limit on all of your expenses. The key to see it working is to identify where your money goes.

3.) Follow thru your budget plan. Use cash for most of your expenses to track spending. Following your budget plan is the best way to prevent you from running out of money every month. Although tracking these activities can be tiresome and time consuming, it’s crucial to help you gain control of your money again.

4.) Stop carrying credit cards with you. Simply not having these cards will help you stop buying any unnecessary items.

5.) Know your priorities. Remember you need food, shelter and utility services every day. These come before your new dresses, shoes, or fancy cars. Stick to your priority list, so you only spend on what you need and will be able to pay off debt faster.

6.) Put aside some money for an emergency fund, just so you don’t have to use your credit cards during an emergency.

7.) Set up a goal to get out of debt. Getting out of debt is a huge step; however, make time to create a debt management plan and take action on it.

Living without credit cards may not be convenient at first, but once you get into the habit of using cash, you’ll not only spending less, but also paying off debt sooner.

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.