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Stop Spending So Much Money

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OPTIONS For most of us life is full of options and it is our responsibility, and certainly our pleasure, to choose from those options that which is best suited to our individual wants and needs. Having said that, there are some implications as to how this works. Some have money to spend and will spend it, some will not; some do not have money to spend and will spend it; some will be frugal and live within their means. These situations are major determining factors when one is choosing from the options.

Here are simple comparisons of available money using (1), Bill Gates (2), a well paid person, and (3), a minimum wage earner-from both ends of the spending spectrum and the middle:

Bill's Net Worth=$24,522,864,691. Gates could spend $61m (sixty one million dollars) a day.

Your Net Worth=Less than $61,307.61.

You could spend (using an annual adjusted net income of $40k (forty thousand dollars) $109.59 per day.

Minimum wage today varies around $7.00 an hour, or around $1120.00 per month before deductions. A wage earner at $7.00 per hour could spend $32.87 per day.

Income is a major determining factor when one sets out to buy something, especially when attempting to finance the purchase.

It is an apparent matter of fact that, when comparing the above examples, we cannot all choose from the same option bank, and in many cases we will never be afforded that privilege. It is safe to say, within reason, that our choices are controlled to a large degree by our financial circumstances-the means of spending we have available to us, now and in the future.

One of the serious problems today is that the earners of the lower dollar amounts borrow to have now. And, as they increase their earnings, their purchasing power is diminished as they are repaying past purchases, an endless struggle for most, and for most of their lives.

CHOICES In America, for the most part, we have the freedom to make choices, usually without any measure of rigid guidelines or red tape. It is true that we are free to purchase that which we believe we can afford, things we cannot afford, and things we should or should not be buying, whenever and wherever we so choose.

However, those choices are always determined by one simple factor-money. How much we earn, how much we have (what we've held on to over time), how much we may have coming from a windfall of some sort; a lawsuit, an inheritance, the lottery, or some source other than our actual earned income.

The real issue is how well we are able to make those choices: what knowledge do we have of the item, where does it fit into our budget, is it a need or a want? The truth is: regardless of what we are buying, what choice we are making, if that choice is being purchased without knowledge, preparation, and without the proper application of that prepared knowledge it may be an unwise and damaging decision to spend our money. Is there a way through this? Yes. Knowledge. Preparation. Application.

Chuck Norlin, a record setting automotive retail sales industry expert in all aspects of buying and selling; a graduate of U of California; General Motors University; Chrysler Customer 1; the Oldsmobile Aurora Academy; Cadillac Customer Care; and many other major educational and motivational projects; ultimately teaching sales techniques specifically dedicated for customer satisfaction is a 41 year veteran of negotiating the outcome of life events. His motto: "Expect Results-Get Them Now-Your Way!"

Buyers Be Aware, Chuck Norlin

30 years/thousands of car deals

http://www.thebestdealofyourlife.com

Stop Spending So Much Money

Gasoline prices continue to rise, costing you money. At the risk of dating this article, previously unseen U.S. gas prices of over $3.00 are now common in some areas. I know those in Europe and elsewhere pay much more, but we can agree over the past year that many countries have recently seen huge spikes.

Rising gas prices affect all of us in some degree. Unless you walk, your cost of commuting to work increases. The prices of goods climb due to increased transportation costs. How can you decrease the impact on your pocketbook?

Luckily the Internet offers many different ways to help ease your burden. Note that many of these sites are geared towards the United States.

1. Search for Cheaper Gas Prices Online

Cheaper gasoline prices may be available but tough to find. Instead of driving from station to station checking for cheap prices or traveling 20 miles out of the way, try the following sites:

GasBuddy.com - http://www.gasbuddy.com/

GasPriceWatch.com - http://www.gaspricewatch.com/

Carefully read the times reported for the gasoline prices! The cost of gas can rise or fall sharply (though it tends to do more of the former) in the span of a few hours.

2. Use Mapping Services to Plan Your Trips More Wisely

It just makes sense that if you know where you're going and don't get lost, you'll require less gas getting there. Browse these websites to help you plan your journey; some even display satellite maps to further assist your travels:

Google Maps - http://maps.google.com/

MapQuest - http://www.mapquest.com/

MSN Maps and Directories - http://maps.msn.com/

Windows Live Local - http://local.live.com/

Though very helpful, use the above sites as a guide as 100% accuracy is never guaranteed.

3. Find Nearby Stores

Don't travel miles and miles out of the way and spend more money on gas to go somewhere when an equivalent store is just around the corner!

Google Maps - http://maps.google.com

For example, I can query "pizza 30338" to find several eating establishments in or nearby Dunwoody, GA.

InfoSpace - http://www.infospace.com/

Using InfoSpace's "Near an address" feature on their front page, enter in your street address and type of business, and find close-by businesses never previously noticed while on the road. This beats driving elsewhere and spending more money on gas!

4. Stay Out of Traffic

Tired of idling? We all want to arrive at our destinations sooner, avoiding gas-guzzling traffic jams. These websites provide traffic information, provided you live in supported metro areas:

MSN Autos Traffic Reports - http://autos.msn.com/everyday/trafficreport.aspx

Traffic.com - http://www.traffic.com/

Yahoo Maps, Driving Directions, and Traffic - http://maps.yahoo.com/

Check your local department of transportation as it may display traffic information online. This can include cameras, incident information, and/or road closures. Perform a Google search similar to the following:

California dot

Tennessee dot

New York dot

5. Shop over the Internet with No Shipping Costs

When done properly, shopping online can save you money otherwise spent on gasoline. Many shops now offer free USA shipping (restrictions may apply) if you spend a certain amount of money, increasing your savings! Some online shopping sites with free shipping offers at the time this article was written (listed for informational purposes only) are:

Amazon - http://www.amazon.com/

Barnes and Noble - http://www.barnesandnoble.com/

Shoes.com - http://www.shoes.com/

Tower Records - http://www.towerrecords.com/

World of Watches - http://www.worldofwatches.com/

Zappos (shoes) - http://www.zappos.com/

MSN Shopping has a dedicated "Free Shipping Center" directory with even more businesses - http://shopping.msn.com/content/shp/?ctid=18

Though fuel prices rise, let the Internet help you cope. Compare gas prices online. Arrive at your destinations quicker and cheaper using on-line maps. Find nearby businesses with near-address searching, conserving gas. Shorten your commute time with online travel information. And, travel less often by taking advantage of online shopping with free shipping. Use these Internet techniques to stop spending your money on higher gas prices.

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About Author

Both Chuck Norlin & Andrew Malek are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Chuck Norlin has sinced written about articles on various topics from Shopping, Gas Prices and Cars. Chuck Norlin (http://www.thebestdealofyourlife.com) is a 41 year veteran of negotiating the outcome of life events. His motto: "Expect Results-Get Them Now-Your. Chuck Norlin's top article generates over 1300 views. Bookmark Chuck Norlin to your Favourites.

Andrew Malek has sinced written about articles on various topics from Digital Camera, Computers and The Internet and Digital Camera. Copyright 2006 Andrew Malek. Andrew Malek is the owner of the MalekTips computer and technology help site athttp://malektips.com/ . MalekTips offers over two thousa. Andrew Malek's top article generates over 8100 views. Bookmark Andrew Malek to your Favourites.

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