10 things rich people know that you don’t

People don’t become wealthy by accident, here’s how they do it

By Jocelyn Black Hodes, www.marketwatch.com

As a financial adviser, I have occasionally found myself feeling envious of certain clients. Not because of their wealth — but because they were disciplined and determined enough to do all the right things that enabled them to accumulate their wealth and, in many cases, retire early. Despite my expertise, I, like a lot of people, sometimes struggle not to do the wrong things that make being rich, let alone retiring at all, a pipe dream. Read more „10 things rich people know that you don’t”

The Boring Secret to Getting Rich

Catherine Hawley / NerdWallet, www.time.com

It’s boring, but that doesn’t mean it’s easy.

The media likes to paint a certain picture of what it means to be rich — huge mansions, expensive cars, high-powered Wall Street or tech-startup-type jobs. If you buy into that image, being rich may feel like an impossible dream. Read more „The Boring Secret to Getting Rich”

The single most effective way to get rich

Kathleen Elkins,  www.businessinsider.com

Contrary to popular belief, you don’t have to be an expert about personal finance to get rich.

You don’t need to use fancy economic jargon or know this year’s „hottest stock.” You don’t have to come from an affluent family, and you don’t even have to earn a massive paycheck. Read more „The single most effective way to get rich”

6 ways to keep your dream retirement on track

You may be ready to retire, but your money may not be

By Andrea Coombes Columnist,  www.marketwatch.com

Are you a retirement “do-it-yourselfer,” convinced you can plan for your own retirement without paying for a financial adviser? That’s all well and good, but given that money managers work with people in a variety of financial situations, their experiences with the problems that prevent people from retiring can offer insights into how to overcome those challenges. Read more „6 ways to keep your dream retirement on track”

A Freelancer’s Guide to Making Money

freelancing money guideI would say that one of the best ways to make money is to start freelancing.  I have been a freelancer for a number of years.  I learned how to write code when I ran my online e-commerce business and then grew from there.  Many people always ask me about freelancing and most of them feel that it is unreachable for them.  Read more „A Freelancer’s Guide to Making Money”

How to Earn Money As a Freelancer 2

Method 2 of 2: Understanding Freelance Work

1
Have a vision. Know what you want and go for it! The biggest obstacle to freelancing is overcoming that mental blockage that says „You can’t do it and you shouldn’t.” To overcome that feeling, show yourself that it freelancing isn’t just something you want to do because you want to work from home, but a business plan. This isn’t just a fantastical idea, but a business reality.[16]
One useful way to start seeing freelancing as a viable option is to being the process of legitimizing it. Come up with a name for your business and a logo or font-type. Once you start creating the vision, it becomes easier to realize that this a real business you’re launching. Start the process by establishing a business name and creating a vision for your company brand.
2
Take time to enter into freelancing. Don’t jump right in and hedge all your bets on freelancing right away. Freelancing can be a great way to earn money, but it can also take a considerable amount of time to build up. Make sure that you are 100% committed to investing your time and effort into freelancing before you decide to quite your other job(s).[17]
Keep in mind that a lot of the steps in Part 1 can be undertaken while you are still working at your day job. Focus on setting the ground plan for freelancing while still earning a stable income and you’ll feel more confident and comfortable taking the leap.
3
Be ready for slow periods. In every business, there are slow periods. This will happen for your freelancing operation as well. You’ll probably get stressed and think the whole thing is a flop but know that all industries always go through ebbs and flows. Also know that eventually, business will pick back up.
Make sure to plan for slow periods, whether that meanings changing prices or having a savings plan.
The more you freelance, you’ll be able to identify trends and peak and slow periods. Ultimately, you’ll be able to anticipate when things slow for you and you’ll stop getting worried because this will be routine.[18]and you can start to expect the drought and prepare. But it takes a while to get there.
4
Be prepared to hold yourself accountable. Since as a freelancer, you are your own boss, you need to make sure that you’re doing what you need to do. While most people get excited at the prospect of not having a boss looking over their shoulders, it’s also important to remember that bosses keep you motivated and give you feedback on your progress. Without a boss, you’ll need to do this yourself most of the time.[19]
Engage in daily and weekly reflection about the work you’ve done to make sur you’re hitting your targets. If you’re not, then you need to have a serious look at your work habits and system.
Other people – such as editors or mentors if you’re a freelance writer, for example – can also help provide accountability. At the end of the day, however you’re the boss so be the boss.
5
Be ready to talk about yourself a lot. As a freelancer, especially a newly minted one, you’ll have to talk about yourself, what you do and what you’ve done A LOT. You are your own marketer. Opportunities can come from surprising and unexpected places, so it’s important that you have a ready pitch of a few sentences about yourself and your freelancing services or products that you can use whether you’re at a holiday party or business fair. If you’re a private person by nature, try writing down and practicing the pitch until it becomes natural. Over time, you’ll get better at talking about yourself and doing self promotion. A little bit of hustling is essential to success in the freelancing world.[20]
Make sure to get business cards made so you can hand them out whenever you bump into someone and start chatting. These are an old – but still relevant – way to get your name out there.
6
Cope effectively with being alone. The lack of social interaction and communication of the office environment can make freelancers feel lonely and isolated.[21] While you’ll need to learn how to stay goal-directed and on task without the motivation of others, you should also take care to prevent loneliness from taking root. Try working in different spaces a day or two a week; take your computer to a local coffee shop and work there. Even just hearing the buzz of social interaction can make you feel less alone. [22]
You could also meet up with other freelancers for lunch or coffee to discuss problems, concerns, and other topics. There are a number of local business networking groups that can help connect people who work for themselves and usually remotely.[23]
There are also little things you can do to relieve feelings of isolation. Call someone, instead of sending an email, for example.

http://www.wikihow.com/Earn-Money-As-a-Freelancer

Napoleon Hill’s 17 Principles of Success – part 3

Budget Your Time and Money

Tell me how you use your time and how you spend your money, and I will tell you where and what you’ll be ten years from now. Take regular inventory of yourself to learn how and where you are spending your time and money. The secret of getting things done is: DO IT NOW! Time is too precious to be wasted on arguments and discontent. Some mistakes can be corrected, but not the mistake of wasting time. When time is gone, it’s gone forever.

Read more „Napoleon Hill’s 17 Principles of Success – part 3”