Free Classifieds

I just came across this site that offers free classifieds online. Better than paying ebay money to be able to sell your stuff. Keeps the money in your pocket - Give it a look - Free Ads That Do The Job - Sell, recruit, promote and buy. Tons of traffic and active buyers.

An alternative to smoking - and some other stuff

For those of you that want to find an alternative to smoking - you might want to take a look at this - Smokeless Cigarettes! Stop smoking now for only $79.00!

For an alternative to what to do with your hands when you no longer indulge in that nasty habit you can check here - Learn to play guitar

Once you've mastered the guitar, you can pick up some magazines and start reading about building your next business -


and then go out and buy something new for your partner -
Wicked Temptations

Nobody said it was going to be easy

Let's face it, making money on the Internet is not an easy venture. With all the scam artists out there who are just trying to rip you off, you have to be very careful what you respond to these days. I really am trying to stick with one affiliate program that seems to be headed in the right direction from what I've read. You have a number of different opportunities to make money with this program, so you'll have to decide what is right for you.

The affiliate program that I work with is SFI, Okay - if you can't or don't want to write articles for a blog or an associated content type site, you can always try here - people always have stuff that other people want (I call it OPJ - "other people's junk") - one man's trash is another man's treasure - I just joined an affiliate program about a month and a half ago, open to both US and International affiliates alike, with no start up costs involved - They just started a new promotion, wouldn't hurt to take a look as it doesn't cost you anything -


Hold your very own online garage sale!Use TripleClicks to clean out your closets, attic, and garage. List and sell dozens of even hundreds of items and start putting cash in your pocket TODAY!

Give it a try with a FREE listing:

http://www.tripleclicks.com/10496384/go

There really are surveys out there that pay -

Again, you won't make a million bucks overnight, but every little bit helps when you are trying to get out from under the pressure of bills that may have mounted. I have personally been paid to my paypal account on quite a few occasions from this company - www.dollarsurveys.net - It usually takes them a couple of days, but the surveys are quick and painless - most time you just have to click on a link for some free information. Easy way to make a quick few bucks. Another good one is www.surveysavvy.com - not only do they pay on the surveys but they have a pretty good referral plan going as well.

If you want another option, besides surveys, you can always look into www.usatalknow.com - they have online surveys and do offer some fairly comprehensive focus groups that pay pretty well. I was just selected to participate in an online discussion today that pays $250 dollars for your time and effort. Not to shabby for jumping on a discussion board and posting your opinion.

There are more out there, but I just wanted to offer these up for those of you who may be looking to supplement your income.

Calling it quits - it's going to be a long day

New Years Eve - I made a resolution to quit smoking. As I bought my last two packs of cigarettes at the gas station, I turned to my son and partner and said these were the last two packs I was going to buy. The time has come to give it up. I made a resolution, not just for the sake of making one, but I honestly thought about this one long and hard. It makes perfect sense to quit now. I'm on a mission to fix my finances by any means necessary. Considering it costs over 6 dollars a pack where I live for cigarettes, all I had to do was logically think about how much money I could save if I didn't smoke. If you're a pack a day smoker like I am, all you have to do is figure out the math. I never go into a convenience store, or gas station and buy just one pack, I always get 2, just to make sure I have one for the upcoming day. Seeing as I'm not the type of smoker who smokes them down to the filter, I tend to waste quite a bit of that money that I'm spending. So, as I squash them out, halfway, I had a tendency to think I was doing myself some good by not smoking them all the way down. All it does is cost me in the long run.

Like I said previously, every time I went into the store, it was 2 packs - seeing as I always had the crutch of another pack waiting, and I only smoked them halfway (for health reasons ya know), I was taking a trip back to the same store the very next day - to get my 2 packs, to ensure I had one for the next day - Now comes the math -

2 packs - $12.34 a day X 7 days a week =86.38 a week. You know how much money I could have been saving all this time had I just walked in a bought a carton for the week? The trouble is, that 86 bucks sneaks up on you when you are addicted. You don't mind plopping down the 12 dollars and change daily, but when you have to walk in the store and pull out your credit card to buy a carton at nearly 60 bucks, that's where you stop and think, do I really want to spend 60 bucks on a carton? If you are like me and have trouble swallowing 60 dollars coming out of your bank account all at once for cigarettes, you most likely wouldn't do it either. Every now and again I would use a credit card and figure that I would pay it off at the end of the month, but never did. So, after burning up that carton in about a week, you went back to the 2 packs a day again at around 86 bucks a week.

Now let's consider the savings if we quit altogether - cold turkey, no substitute for the nicotine.

We'll do it on a monthly basis just to show how much money is literally "going up in smoke" -

86.38 a week X 4 weeks = $345.52 a month X 12 months = $4146.24 a year - is that not insane?
Even if you went the cheaper way - buying cartons every week, you still end up with this -

60 bucks a week X 4 weeks = 240.00 a month X 12 months = $2880 a year -what was I thinking all these years of smoking? I was tossing more than a grand a year out in the street when I flicked away all those butts.

It's all about how you want to take on something. I can think of better things to do with that kind of money. 4 grand could make a nice dent in my credit card bills. I'm going to keep this promise and take that 86 bucks a week and pay off some debt. It sure will make a nicer Christmas for my loved ones this year.

Happy New Year - 2009 - Time to get started

Happy New Year and thanks for passing through. I imagine most of you have made some sort of resolution this year, as have I. In these tough economic times, everyone is trying to make the most of what they have and keep more of what they earn. If you are like me, you probably have a few bills that you'd like to eliminate altogether. Well, I'm on a mission. I heard a gentlemen speak recently about becoming debt free and I've decided to follow his advice. I'm tired of living from paycheck to paycheck and giving those credit card companies my money. So, in an effort to try and get "ahead" of my bills, I joined SFI (check out the link to the right) to earn some extra cash to help eliminate these debts. Feel free to take a look and check out what they offer. It's free to join and will only take a few minutes of your time.

In an effort to try and follow some sort of debt elimination program, I found this really neat excel spreadsheet that will assist you with your goals. Like most people who have too much debt and feel they will never get out of it, this easy spreadsheet with provide you with numerous options to show you how to pay down your debt. I particularly like the Snowball effect - like most people, I'm looking for the instant gratification of getting rid of a bill - the snowball method will show you how to get it.

You can check it out here - http://www.vertex42.com/Calculators/debt-reduction-calculator.html

Wishing everyone a safe, happy, healthy and prosperous New Year - let's all become debt free in 09.

Let's try and find a way to make some money

I've been reading through many blogs the last couple of weeks of how to make money with little or no investment whatsoever. I've gone through the multitudes of "paid" surveys, emails, focus groups and everything else that is out there confusing people on how to make money. I stumbled upon this "free" opportunity at SFI and figured I would give it a shot. It's the first time I've seen something where I wasn't asked to fork over hard earned cash to try and invent myself on the internet.

I'm going to give it a shot and see whether there really is an opportunity to make money without any start-up costs. I will post whatever I find out here once I've gone through the first couple of weeks.