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.

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.

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