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How to Grow Your Very Own Money Tree

 by: Darlene Arechederra

Okay. So money doesn’t really grow on trees. Unless you plant your own Mighty Money Tree, that is!

Imagine that only a few moments ago you planted a young sapling in your back yard. You gave it just enough water to ensure a good start. Not too much, not too little. You even propped it up with a stake. You’ll continue to nurture it, feed it, water it.

And with each passing year, your tender young sapling will grow stronger. Taller. Healthy. As it ages, your tree can better defend itself from natural predators. Even harsh weather.

Growing your savings account is similar to growing your new tree. Given lots of tender care, your savings account will become your Mighty Money Tree. Use the following tips to ensure a great start. So, grab your shovel and let’s get planting!

Prop Up Your New Savings Account

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To build an account you can enjoy for a lifetime, prop it up with nutrients to help it grow.

a) Feed your account with bonuses. Deposit money saved through cancelled subscriptions. Don’t forget those unexpected windfalls, either.

How about money owed and paid back to you? Be sure to include these amounts, even if they’re small. Small is great — and very do-able.

b) Nurture your savings weekly with money saved from using coupons.

Do you buy items on sale? Take that money you saved and use it to grow your account. Tuck small amounts into an envelope. Deposit weekly.

c) Shower your fund with birthday, anniversary or holiday gifts of money. Refunds, too! This is money you normally wouldn’t have had (or already spent.)

Remember, out of sight, out of mind!

Fiercely Protect From Natural Enemies

Just as you might spray your tree to ward off insects or disease, you must protect your fledgling savings account. It’s precious — and a result of your patience.

a) Avoid spending too much time with others who make it seem ‘natural’ to go through money. They may not give it much thought because spending is a comfortable habit for them.

But you actually have a plan. And you have the big picture of how and when you’ll spend. You will decide the where and why of spending your money. Make your spending thoughtful.

b) Pace yourself as you spend your weekly allotment of money. If you run on $35 per week (for example), that gives you five dollars per day.

Stay just under that five, and you’ll always be a few dollars ahead. You’ll also be less tempted to tap your savings.

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c) Practice ‘tough love’ with chronic spenders who repeatedly borrow your money. Give yourself permission to state firmly that borrowing your money is ‘not’ an option. Remove the stakes that prop up others’ spending.

Say yes to protecting and taking care of your money. It will be there to support you, your family, and your true needs.

Promote and Maintain Healthy Growth

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Small amounts add up big time, so keep money coming into your account on a regular basis. Keep it growing!

a) Remember ‘why’ you set up your account. Know your balance at all times. Keep your eye on the bigger picture.

Will it help you pay for a gently used car, eliminating future car payments year after year? Is it your ‘freedom from working for others’ fund?

b) Begin with one great strategy, and use it to create a steady stream of money to feed your account. Will it be a direct deposit through payroll?

Will you fund it by using only dollar bills, and setting aside all change at the end of each day? If so, scoop up your change and deposit weekly.

c) Each month, find a new, creative way to put more money in your account. Then find another method and repeat for a month. Keep the top three or four methods which seem to work best for you. Toss the rest, because you want methods that work for you consistently.

Need a starting point? Why not begin with spending ten dollars less at the store each week? Tuck your ten bucks into your savings account. It’s simple, and it won’t leave you feeling deprived.

Lastly, feel the wonder of knowing that your money tree will continue to grow. Like a faithful friend, it will remain at your side. Your champion in good times, a comfort in the rough patches of life.

It has the power to draw your dream out of the darkness and into the light. How long have you had that private, special dream? Only you can know.

Now, what would ‘you’ do with your own Mighty Money Tree? Plant one today! Prop it up. Protect it. Watch it grow.

About The Author Author and ezine editor Darlene Arechederra inspires busy women to put the simple back in saving their money. Her complimentary newsletter serves up heaps of motivation with a unique, down-home style of writing. Join her today at http://www.RatRaceRemedies.com.

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Private Student Loans dispelling the myths

 by: Vanessa McHooley

Private Student Loans dispelling the myths

If savings, grants, scholarships, and federal loans don t cover the cost of your education, it s time to turn to private loans. But young college students can t qualify for a private loan, can they? Wrong! This article addresses this and other myths about student loans that you may run into.

I don t have any collateral, so I can t get a private loan.

Private loans are usually unsecured, which means no collateral is required. On the downside, this may also mean a higher interest rate.

I don t have a good credit history (or no credit history at all)

Since the government doesn t back private loans, your credit history is a consideration in being approved for a loan. If your credit history is bad or non-existent, you may be subject to a higher interest rate. And remember, you can always get a co-signer. Pay your loan off on time, and soon you will have a good credit history!

I have enough funds for tuition and fees, so I can t get a private loan

In addition to paying tuition and fees, funds from private loans can be used to cover living expenses, supplies, computers, and other everyday living needs.

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I can t afford to make payments on a loan while I am still in school

For most loans, your principal and interest payments can be deferred while you are enrolled in school. Another option is to make interest payments while you are in school but defer paying off the principal. Your interest payments might even be tax-deductible!

I missed the deadline for applying for financial aid this year

You can apply for private student loans any time there is no deadline. Depending on the financial institution you choose, you can be pre-approved in minutes and have the money (which will be sent directly to you) within a matter of days.

I don t have a bank to apply through

Private loans are offered by thousands of banks, credit unions, and other financial institutions. Just search the internet for private student loans and you will find many places to apply to.

If you need the additional funds provided by private loans, don t let myths and misconceptions keep you from applying!

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This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we’re dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about Private Student Loans at http://www.NextStudent.com.

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About The Author Vanessa McHooley My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.

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War Declared On Instant Messenger: How to Stop Your Child from Wasting Their Life Away Online

 by: Christopher Pizzo M.Ed.

Hey Parents! I hate to tell you, but there is no such thing as useful instant messaging . Your crafty child might try to take advantage of your lack of Techie know how when they say in that whiney voice… But Mom I m IMing my friends about homework. Don t buy it! They are simply playing up the school is important bit so they can get you off their back.

To be fair, yes kids might spend a couple minutes discussing their school assignments. But for every 30 seconds of actual work, another 30 minutes are lost in useless chatter with the hundred or so friends on their buddy list! And if your child consistently pulls the I didn t know the assignment excuse, then bigger school problems than instant messaging are on the horizon.

You can easily stop the hours upon hours of instant messaging with one simple gesture PULL THE PLUG! Now, I don t really mean to literally pull the plug out of the computer on your child. The last thing we want to do is get into a power struggle with your child, or break your $1500 computer.

No, what I mean is simply lay down the law. Allocate a specific period of instant messaging time per day. One hour of IMing is not going to kill anyone or their social life. And in that one hour time slot they will have plenty of time to discuss homework, their teacher, the new kid in class, or whatever.

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Right now you might be saying, That sounds great Chris, but what happens when my kid refuses to adhere to the allotted time? When your child disregards your house rules it simply means they have too much free time on their hands. We all know that idleness is the devil s playground. It might be time to up their chore responsibilities. Or sign them up for an after school art class or even a sport or karate. Sometimes the best answer is to simply spend some quality time with them. Set up a time each day to play scrabble, take a walk or cook something together. It really doesn t matter what it is, just play to your kids interests and keep them busy.

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The internet is a great tool, especially when it comes to education and homework. In the future we can expect to see an even greater merger of it with our every day lives. However, right now it s the great stealer of time. Getting sidetracked is very easy, (as some of you might know) and with the media induced, shortened attention spans of our children, whole young lives could waste away online. Teach your kids to use the Internet and Instant Messaging as intended. Sometimes we use it for work; sometimes we use it for play. Just be sure your kids know the difference between the two.

About The Author No doubts about the clarity of this excerpt, still the persons are doubtful about its gains. This write-up is an embellishment for those people who were on the lookout of . But few were unfortunate. You are the excellent judge for . To analyze if the report holds some significance for you, you can comprehend it till the final word. Chris Pizzo is the President of Noble Learning Systems Inc. and the developer of the NEW Amazing Homework Motivator program. Why are thousands of kids happily sitting down to do their homework each and every night?…Without a fight, an argument, or even a reminder? Click here now ==> http://www.HomeworkMotivator.com

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