|"Helping create freedom for life"
30 April 2009— Issue 4
It seems that my new look template has disappeared on me. Being a
non-technical person I have decided to give up on it for the moment!
Thanks to Liz and Rob who offered to help out -- I may still take you up on that!
know that a lot of people are hurting at the moment and however we like to
brighten the dreaded recession up with a smile, some practical steps are needed to
help too. With this in mind I have written an article which can
be found on EzineArticles.com. It is here for you to read as the
must be mad!! I've signed up to a challenge to write 100 articles in
100 days and the challenge had already been going for three weeks.
Still, I thought it would get me motivated and into a habit.
They say making a habit of writing gets rid of writer's block.
Enjoy your week and untill
Winner of the IFA Education Award 2005 (Canterbury Branch)
Interviewed on CTV during 2008
Article: 10 Tips on How to Survive a Recession
- Review of Recommended
of the Month
Feature Article: 10 Tips on How to Survive a Recession
by Lyn Bell
Recessions are part of
the economic cycle and have
happened many times over the years. The difference is that
the recession is affecting countries all around the world at the same
time and it is on the news all the time. Recovery will happen but right
now you want to know how to survive a recession.
Let's look at a few tips you to help you survive.
There are other ways to survive a re*cession apart from
those mentioned. This will probably not be last re*cession you will ever
face but remember that economic slowdowns do not last
following these tips and getting advice from a financial planner when
needed, you can survive a r*ecession.
you are in debt find ways to get out as of this situation as quickly as
possible. You may need the assistance of a financial professional or
budget adviser who can help you with your budget. Think twice about
putting anything on credit card, you do not want extra debt.
- Make cuts on your daily spending. Do a
budget and look
at ways you can cut costs. When buying groceries, buy only what is
necessary. Switch to a cheaper home brands.
- Make sure you have some rainy day money
set aside for emergencies.
all have bills to pay and the most important of these is your
mortgage. Always make sure you pay the mortgage as a priority
you will not be forced to sell. Speak to your bank if you can
- Take a look at your electricity, gas,
insurances and even your bank account. Check to see if you can switch
to another provider that offers cheaper rates.
- Make lunches at home for you and the kids
to take it to work and school. You'll be surprised at just how much
this can save you.
- Go through the spare room, wardrobes, the
garage and attic. Search out any items you no longer use and
have a garage sale.
you can ask your employer if you can do some of the work at home. This
will help you save gas as you don't have to drive to work. Be sure that
you are as productive at home as you are in the office. If working from
home is not possible, see if you can carpool with someone at the office
or use public transport.
- Cut down your electricity expenses by
the lights when you are not in a room. Switch off electrical
the wall when not in use.
- If you own an SUV or large vehicle, trade
it in for a smaller vehicle. You will get better mileage.
Review of Recommended Resources
of the Dark": Software Review
Thanks to Harei for bringing this program to my attention. It is is a great f*ree program and perfect if
you want clarity, ease of use and an understanding of your financial
situation. I gave it 4.9 out of a possible 5. I particularly
like the fact that you actually don't need to download anything and you
don't share any information with anyone. You can create another budget for your business or other purpose. There's also a
billboard where you can share ideas with other users, if you like.
To Read the full review>>>
cannot be traveled to, owned, earned, worn or consumed. Happiness
is the spiritual experience of living every minute with love,
grace and gratitude."
- Denis Waitley
Your Subscription Info
records indicate you subscribed to this newsletter through visiting the
website of SoundFinance.com or are a client and friend of Lyn Bell, Lyn
Bell & Associates.
you're NOT a subscriber and someone else has sent you this newsletter,
you can visit the following URL to join us and get your own copy
remove yourself from this newsletter, reply with your request