Manage and grow your money like a farmer

Directory of Reputable Mystery Shopping Companies – 2021

Apr

6

2017

Are you new to Mystery Shopping? If so, please read the post on “The Secrets of Success for Mystery Shoppers” before reading further. Avoid con-artists and scammers masquerading as mystery shopping companies Never send any money to any company in any form for a mystery shopping assignment – they may call it as a membership fee or listing fee etc. Check Cashing Scam:This scam operates like this, you will be given a fake mystery shopping assignment. After the assignment, you will be offered a much higher amount on the condition that you need to wire the excess funds to another ...

The secrets of mystery shopping

Apr

6

2017

Mystery shopping, or secret shopping, is a process or a tool used most often by the companies in the service industries to evaluate the quality of the service they offer to their customers. Mystery shoppers are normal everyday folks hired to perform this task. As part of a mystery shopping assignment, mystery shoppers pose as regular customers and avail the services offered by a company. After the assignment, the secret shopper is required to submit a detailed report (often within 24 hours) evaluating the service of the company. The report by the mystery shopper will provide an impartial assessment of ...

Tracking your monthly bill due dates and payments – Free Excel Template

Apr

2

2017

How do you track the bill due dates and payments? Over the years, I used many methods, none of them were perfect, until I started my Excel worksheet. After starting this worksheet two years ago, I never had a late payment. Download the Free monthly bill due dates and payments tracking – Excel Template Click the below links to download the LATEST version of the free Debt Snowball Excel Worksheet with Chart. Free monthly bill due dates and payments tracking – Excel Template (XLSX file). Free monthly bill due dates and payments tracking (XLS file for older versions of Excel). ...

Free Debt Snowball Excel Worksheet with Chart 13

Mar

24

2017

Download the Free Debt Snowball Excel Worksheet Click the below links to download the free Debt Snowball Excel Worksheet with Chart. Free Debt Snowball Excel Worksheet (XLSX file). Free Debt Snowball Excel Worksheet (XLS file for older versions of Excel). If you are not familiar with the Debt Snowball method, then please read the steps involved in a Debt Snowball Repayment Plan. Instructions for using the Debt Snowball Excel Worksheet On the Debt-Snowball worksheet – review and edit row #2 by entering the names of all accounts where you have outstanding debt, with the account with the lowest balance first, ...

How to generate a side income as Amazon Flex driver

Mar

23

2017

You want to generate a side income, without compromising your main job. You started to follow Dave Ramsey’s debt snowfall program and you are trying to find side jobs to increase your income to payoff your debts faster. You are a student and would like to bring in additional cash so that you can reduce the amount of student loan you need or you need money to support your lifestyle in college. If anyone of the above are true, you are at the right place. If you have a car, then Amazon Flex is one of the ways by which ...

15 Real reasons for becoming debt free

Mar

21

2017

We are debt free including our home mortgage. And we had a number of reasons for fully paying off our debt. Ability to retire early to do what we want and when we want was one of the most important reasons for us to get rid of our debt including our mortgage debt. There was a questions on the Dave Ramsey Facebook Group to the readers about their reasons for getting out of debt. The below list is the compilation of 15 most important reasons indicated by the readers, in no particular order. To be free from the clutches of ...

Ten Practical Ideas to Get Your Spouse On-board with a Budget

Mar

12

2017

It is EXTREMELY difficult to develop a family budget and sticking to it when your spouse is not on-board with you. Included In This Article: How to discuss the budget with your spouse? How to get your reluctant husband or wife on-board with budgeting? What to do when your husband won’t stop spending money, how can you make him follow your budget? What to do when your husband won’t share his financial information? Approaches you can use when your husband/wife is financially irresponsible What approaches you can use when your husband doesn’t contribute financially Tackle the problem when your wife ...

Paying off all your debts using debt snowball progress charts

Feb

14

2017

Debt Snowball is an effective debt payoff strategy described in the best seller book Total Make Money Makeover by Dave Ramsey. The very first baby step (step 1) in the Dave Ramsey’s Debt Snowfall program is building the initial emergency fund. The snow ball process involves, making the minimum payments on all the debts except the smallest, and then throwing as much money as you can on that one debt. Once that debt is paid off, take that payment and apply it to the next smallest debt. Repeat this process as you progress your way through all your debt. The ...

Emergency Fund Progress Tracking Chart (Baby Step 1.1)

Feb

12

2017

We are fans of the Dave Ramsey’s Total Make Money Makeover book and the related course. You can read more about emergency fund here. How to start an emergency fund, where to save the money of the emergency fund. Posted below is the Emergency Found Progress Tracking Chart that you can use for your Baby Step 1.0 part of your journey towards financial prosperity and debt free life. Click here to download the PDF version of this Emergency Fund Progress Tracking Chart. You can also view the example shown below to see how to use this chart.

What is an emergency fund and why you need them?

Feb

12

2017

An emergency fund is a stash of money you set aside to cover unexpected financial expenses. If you are unprepared for these emergencies, these expenses can snow ball and become very costly and the related stress will eat you away. Commonest emergencies for which you need to keep an emergency fund: Job loss – for you or for your significant other Family health emergency (medical or dental) Emergency health care for your beloved pet Unanticipated car repairs Unplanned home repairs (emergency plumbing issues, premature appliance breakdown) Bigger than expected tax bill (can be due to a debt that was forgiven) ...