There isn’t a single person that hasn’t been affected bythe financial meltdown. Here are a few things we can all do, regardless ofwhether we have a dollar to our names, a million or if we're submerged in debt.
1. Stop avoiding the problem and start being honest. Open the envelopes, call—or evenbetter—visit your bank or broker. Be realistic. So many of us are living in theillusion of total scarcity. Look at what really did happen during the last fewmonths. Get some help. You aren’t supposed to be an expert. Most of us feelintimidated when it comes to money, but the truth is we were never given aproper education about it. You’re not alone. Everyone feels the same way tosome degree. But avoiding the subject of money would be like saying, learningto walk is too difficult, so I’m not going to do it. Learn the basics. You’llfeel more grounded. And make sure to hire a banker or accountant you feel goodabout.
2. Get organized. Knowwhere your accounts, credit-card statements, insurance documents, will, etc.are. Most of us feel overwhelmed because we just don’t know where all of thisstands. Often, it’s not the lack of money but more the general level ofuncertainty and messiness around this topic.
3. Review your statements. Get afeel for what you are spending. Where is your money really going? You may oftenfind some errors and double charges. Look at hidden fees from all the bills youpay. Confirm that some of your regular income is going to a savings account ona monthly basis. If you have an investment account, take a close look at whatyou have: stocks, funds, bonds, cash, gold. Know what you have and then askyourself how it feels. You don’t need to have a finance background to knowwhether your money situation is letting you sleep at night.
4. Find another source of income, in addition to your regular job. Can you find a way of creating something,consulting, writing, translating, editing, babysitting, taking care of anelderly person, promoting something, or organizing something? The possibilitiesare endless. Here’s a clue—look for a way to take away someone’s pain, orproblem. That’s what people will pay money for. What are you really good at?What is easy for you? Stretch your identity of what else you might be able todo, other than your regular job. And if you are the creative type, which deepdown we all are, think about writing an ebook on a subject you know a lotabout. There are plenty of sites that will put it up for free. You can then bemaking money while you sleep. That’s the goal.
5. Ask for discounts and special offers on everything. Think about how you can save on cable,phone bills, clothes, restaurants, or any work-related deals. Negotiate fromthe heart. Come from a place of authenticity and ask sincerely. You will beamazed at what you can receive.
6. Look around for things you own that you can sell. Your junk is worth something to someoneelse. You have thousands of dollars hidden in things you don’t really want oruse anymore. Yes, this takes a bit of time but the payoff in terms of money,less clutter and freeing up space for something new to come into your life iswell worth it.
7. Not that this is a must, but if you had to radically downsize your life, how wouldyou do this? Would you move? Would you cook more or grow your ownfood? What would you do? Just knowing this will push you to live differently,with a higher level of consciousness.
8. Take a look at your beliefs and emotions around money. Most of us picked these up from ourparents. One of them was probably fearful or always worried. Maybe one of themover-spent or was in debt. Think about it. You are now an adult and don’t haveto be loyal to their beliefs around money. If you do feel anxious about money,take a deep breath and ask yourself: “Where have I seen this before?” Commit tomaking a fresh start.
9. Be grateful for what you do have. We have so much more than 95% of the planet. Bless whatyou have. Find ways of giving. If it's not money, give your time and yourheart. The more you give, the more life finds ways to give back.
2010-01-24 21:49 编辑：kuaileyingyu
Give them a few dollars -- and some financial common sense. Want to make sure your children grow up to be money-smart adults? Check out the four experiments below. My advice: Try
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