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Improving Your Financial Position
By Gary Simpson
Homeowner Loans Another bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the Homeowner Loans. They`ll scour the marketplace searching for Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day. Article03.html Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! A new `No Win No Fee` tax refund service has just been launched by Greer & Taylor LLP on a dedicated new website The Taxation People which can be found at www.thetaxationpeople.com where you can find out all the infomation need before making the decision to apply for a tax refund. The Taxation People offer a cost effective `No Win No Fee` online service, with a simple and easy to follow process they will guide every step of the way as you apply for a the refund. I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the The Taxation People who will get you the Tax Refund you are entitled to. The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who is moving to provide a number of online services. Initially they are only offering the Tax Refund service that can be found at www.thetaxationpeople.com, but Greer & Taylor LLP are about to lauch a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.
Everybody wants money. You might think my next questions are even sillier, but I`ll ask them anyway. Would you like to have money all the time? Do you really want money? You see what I am asking you, by adding the word "really," is do you actually want the money itself or do you want the freedom it can buy you? Ahh. Now you see what I am getting at. What you really want is the freedom that the money represents. What you really want is freedom. Access to money allows lots of freedom. What would be the point of being a millionaire or even a billionaire if you were serving a prison sentence for the rest of your life? Your loss of freedom would render your prime use for that money next to useless. So, how do we get money? There are many ways. We can work for it, receive commissions, receive royalties and we can accrue it from things like interest and investments. We can even steal it, much as I dislike even mentioning such an option. In reality there are only two basic ways of accumulating money: 1 - we can work for it ourselves by exchanging time and effort, 2 - our existing money can be put to work to replicate itself. For most people, it is not how much they earn, it is how much they are able to keep. That is the single most important difference between becoming wealthy and staying poor. Spending more than we earn is the recipe to certain financial disaster. Yet most people do just that. The answer to becoming wealthy is financial education and discipline. There are many ways to educate yourself better in the ways of handling money. However, by far, the easiest is to gather the knowledge through the wisdom contained in appropriate books. In my opinion, there is no better general resource than George Classon`s timeless classic, "The Richest Man in Babylon". I highly recommend it. I know from experience that those who desperately need the knowledge this excellent book contains will never read it - even if it were placed in front of them every day for a month. That is why they are poor. They think poor and do nothing to change it. What is in their wallet or purse is a direct result of what is in their head, or, more correctly, what is not in their head. The poorest people are the people who spend the greatest amount of money on trash. They would never think to buy knowledge or invest in their greatest asset - their brain! There is another very powerful thing that you can do to prepare yourself to handle money wisely. If you want to have money, I suggest a good place to start is with your own discipline. This is another area where poor people fall well short. If you want to elevate your self esteem and improve your discipline both at the same time, try the following. It will ensure that you have money all the time: Go to your bank. Withdraw the biggest single denominational note you can (say $100). Put the note in your wallet or purse then, and here comes the most important part, DO NOT SPEND IT! Nothing will give you greater self esteem and nothing will build financial discipline stronger than doing this. I have been walking around with three $100 notes in my wallet now for over a month. I refuse to spend them. I go into shops, I look at things I want, I think, "Gee, I`d really like that!" then I turn around and walk out. How much money do you think I have saved by not giving in to impulse buying? My $300 gives me a great lift. It gives me tremendous self esteem to know that I can afford to buy lots of things if I want. I am in control of that money. It is not controlling me. I am exercising my discipline not to spend it. I have other money in my wallet. It`s just that the $300 is what I call my "quarantine money." The other money is my budget money. If you want money you need to learn how to control it. You need to improve your financial education and build your discipline. I have just revealed to you how you can do both. Now that you know, will you do anything about it? Hmm. [If you like this article and would like to use it on your own website or ezine you may do so ONLY if the article is not changed in any way and the final paragraph: "About the author", with all links intact, is included.] 
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