When I am planning a venture or purchasing an asset I add up what I need to afford it. I reverse play by working out what I need to purchase or afford the repayments.

Getting Finance is not necessarily about borrowing money, we can do little things to stretch our Budget or Create an extra piece of income.

I want you to think about this…. If you are a full time employee for a company already, then when you take an extra job you pay extra tax 30% plus for every dollar you earn… If you can consciously save the dollar first then you are effectively saving 30% already…

This is often not the case for most of us buy it is definitely worth thinking about.. and then again if you are not in a position to afford it then don’t purchase.

There is always to make some easy money especially on line and if you visit this Blog often enough I’m sure some of it will rub off.

Have you ever wondered why wealth is attracted to some and not to others. It has a lot to do with the value of the dollar, some of us place a lot of value in every cent we earn, many others are quite frivolous with there money often being to generous and living way above their means.

I’d have to say that I am somewhere in between, it doesn’t matter what the expense, I have always been able to afford it and have met any financial challenge that has been set down in front of me, providing a comfortable lifestyle for my family and I.

Now I’m not a financial adviser but a financial realist, I’ve sat with financial advisers who have sat down with me for hours, planning every financial aspect of my life. You know the ones, diversify, don’t put all your eggs in one basket, save a bit for a rainy day etc, etc, etc……. my question to any of them once we have wasted each others time is “CAN YOU SHOW ME YOUR WORKING PORTFOLIO?” and I’ll sign on the dotted line.. I’ve never met one professional financial adviser who has practiced what they have preached but I’d have to say the most successful financial advice I ever received was the Rivkin Report, unfortunately Rene’ Rivkin has past away but I was fortunate enough to meet with Rene’ on several occasions and weekly I would follow his recommendations religiously and the only time I ever failed on the Stock Market was with stocks I selected myself and stocks recommended by Taxi Drivers. (Just Joking) but just before the year 2000 stock market crash, Taxi Drivers were recommending stocks and that is when I sold out.

I saw several of my mates take huge margins on Mining and Internet Stock in that period and loose it all miserably, me on the other hand took the Rivkin recommendations and got ready for the BUS T.

I’ve found plenty of other ways to loose money over the years none of it intentional, some things work some things don’t and for me now I’m looking at only things that work.

One thing I can promise if you are reading about something in my blog, I have tried or I am doing it!.

So for my first post I’ll leave you with this food for thought, the main reason for the Poor getting Poorer is PROCRASTINATION, to get anywhere in life you MUST TAKE ACTION.