Build Your Savings Account – Make More, Spend Less

Build Your Savings Account – Make More, Spend Less

 

How to Save More MoneyHi Rich Mama – today we’re going back to the basics of financial planning.  It’s all about step one of your defensive plan for building a wealthy family. You have to save. You will never become wealthy – no matter how much you make – unless you are saving money! But so few actually have a regular plan for saving. That old adage that those who fail to plan, plan to fail, is never more true than where money is concerned.

 

Without a solid savings plan, chances are, you’ll never have enough money on hand to provide for your family in the event of a financial set-back. Reaching long-term financial dreams such as a secure retirement also depend on a savings plan.

 

The best way to protect your family from financial disasters is to have a plan in place to prepare for the future. Building a savings account requires learning to make more money and live on less. These two strategies will go far toward ensuring that – heaven forbid – a financial disaster strikes. Your family will be able to survive and more easily bounce back from the hardship with a firmly established savings account. A savings account will help you sleep better at night – much better than a garage worth of junk or a closet worth of shoes.

 

Let’s look at these two strategies that will help you build a savings account, and build financial security in the doing:

 

Make more money.

 

You can try and earn some extra money and put that in your savings account. Spend the rest of your money guilt free. If both you and your spouse work, this is a great test to see what would happen if one of you quit (or lost) your job. Try living only on one income.

If you’re already a one income family, you can try and earn a bit extra on the side and devote this to saving.

You can start a home-based business offering services such as lawn care, babysitting, tax preparation, sewing, baking, music lessons, or anything else you can do reasonably well. Start by talking to your friends, family, and neighbors about your new venture, then branch out when you get your business firmly established. DO NOT SPEND A LOT OF MONEY STARTING THIS BUSINESS. If your start small and only earn a hundred or two hundred bucks a month that you SAVE – pat yourself on the back.

If you like to sell, you can sign up with any number of direct sales companies. Some familiar ones are Avon, Stella and Dot,  Home Interiors, and Arbonne, just to name a few. There are hundreds more with products ranging from baby toys and books to weight loss assistance. Choose something you like, and that you believe in, and give it your best shot. Avoiding ones that have you buy a lot of inventory upfront.

 

Selling your own products or unwanted items is another way to make more money. If, like most of us, you have a garage, basement, or closets full of things you no longer want or need, turn those items into cash. Declutter your life and build a savings account at the same time. Explore online auction sites for ideas about what people are looking for and get on the bandwagon. Or just have a good old fashioned yard sale and make a commitment to put that money into your savings account.

 

You may enjoy crafting. Could you build an inventory and take those items to a local art fair or flea market? Perhaps setting up an online store would be more to your liking – try Etsy.com so you don’t have to go through the hassle of building a website from scratch.  As much as you enjoy creating things, there are even more people who enjoy buying things. Why not sell them YOUR things?

 

Spend less money.

 

Make spending less money a habit, even a challenge. See how many outfits you can make out of the clothes in the back of your closet; see how many meals you can get out of one whole chicken, etc. Put the money you would have normally spent into a savings account. Avoid eating out. One less take out dinner a week could mean a hundred dollars or more a month in your pocket – I mean savings account.

 

Coupons are an easy way to track how much money you save when you shop. Take the amount on the coupon and physically deposit that amount into a regular savings account. Nickels and dimes can add up quickly when this is done consistently.

 

Keep a small notebook and track every cent you spend. Within a week, you’ll notice a pattern of unnecessary expenditures. Eliminate that gourmet coffee on the way to work and replace it with a home-brewed alternative. Fill a reusable bottle with filtered water out of your own tap instead of buying bottled water. Make your lunch at home. Whatever you save over the weeks, take that money and stick it into your savings account.

 

Eliminate luxuries in order to build your savings even faster. Find a cheaper hair salon, go a little longer between cuts. Do you own nails.  Go to the library for books and moves.

Whatever you choose to do, however you choose to save, start today. Put aside a little money from every paycheck, spend less, and earn more so you can build a savings account to protect your family in the event of a financial disaster. You need a buffer against layoff, recession, depression, or long-term illness to ensure your family’s security.

How to Be a Rich Mama

Attention Hard Working Moms

 

Dear Mom,

Do You Struggle With Handling Your Family’s Money?

Are your finances a nightmare? It’s time to wake up from that bad dream and create a better reality…Are you worried that you don’t understand money…and how you spend it?

On the 30th of the month, do you find yourself scrambling to pay the bills? Or maybe you just make it, but find that you have nothing Do You Struggle to Understand Money?left for savings?

Do you look around and wonder why other families have it all, yet you never seem to be gaining any ground? Are you worried that you’ll have to work for the rest of your life… That there’s no cushy retirement waiting for you down the road… That you’ll never be able to live the life you deserve.

Does this sound familiar: You work hard, but you never seem to have enough. You can’t get a handle on your expenses. Your credit cards are maxed out all the time.

And now with the economy the way it is, you’re not just worried. You’re Terrified.

Do You… fight with your partner about money all the time… have to say NO to your kids when they ask for almost anything…Constantly wonder if you’ll be able to buy groceries, a new car, or if you can afford date night?

And You’ve Tried to Make it Work…

You’ve tried living frugally. And it worked for a while. You were able to pay off some debts. Maybe put away a little something in the bank.

But you were utterly miserable. You missed the little treats that make life more fun and enjoyable. And like a spending junkie, you went into a buying binge to dull the pain. All your good intentions went flying out the door, and you never looked back.

You’re running out of control, and you’re scared. Scared for yourself. Scared for your spouse. And especially scared for your kids.

Listen, there’s a way out of this money hell hole.

What you need is a simple plan that will help you achieve big results through small steps.

Read that again:

YOU CAN CHANGE THIS VICIOUS CYCLE…You Can Create the Foundation of a Wealthy Family

Here’s Where I Come From…

I was once like you. I wasn’t always the RichMama – I was the SpenditAllMama – it seemed like as soon as we made dollar we spent it – and it wasn’t on big things like trips or eating out – it seemed like the little things were killing us – money slipped through our fingers like the finest sand.

And then we got a wake up call – kids. Once I started having kids I wanted to have more for them – so my husband and I worked harder, thinking that if only we could just make that little extra bit of money – we’d finally feel secure. Protected.

And then it hit me like a ton of bricks – I was working so hard to make a better life for my family – I was barely seeing them. I was robbing them of my time and attention – I wanted to quit…or work part time – maybe even freelance – anything that would give me more flexibility.

So we started to crunch the numbers. And I cried. We had multiple credit cards, all maxed out, no emergency savings, car payments, student loans a huge mortgage. Even our retirement funds were in disarray spread out here and there. While we’d been working our tails off, we’d been neglecting our most important boss — our families.

So we (mostly me) got serious – I switched into Rich Mama mode. I vowed that within 18 months I would be able to quit my full time job and spend more time with my kids – but only if we paid off all consumer debt – like our credit cards, learned to live on one income, and saved for our emergency fund.

And I became a savings and personal finance junkie, reading and learning everything I could about paying down debt, budgeting, spending, saving, reducing interest rates, investing – you name it.

At first I was paralyzed…and then I started taking action, focusing each day on one small step. Making check lists and worksheets and knocking down debt, figuring out spending and coming up with methods to put more cash in our pockets.

And it worked…..In less than a year, I quit my full time job, launched a part time consulting business and was able to stay home with the kids – with no credit card debt, a working spending plan for each month that allowed for vacations, new clothes and yes the occasional latte.

Not to mention our total financial life was better organized. We were saving, maxing out on our retirement accounts and were able to save for major purchases – like a new car, without going back into debt.

But it took me lots of trial and error to get it right – and I wouldn’t wish that on anyone…so I took all I learned and created a simple program that takes what took me months to figure out and gives it you in a step by step weekly program

Our Schools Have Failed Us…

Most of us learn nothing about money in school. Sure, perhaps you learned how to balance a checkbook in home economics…but or perhaps you took a macro economics class and learned about the markets…But since most of us barely use checks anymore, and you’re probably not in the business of shorting emerging markets….all of that school stuff was pretty much useless…

Until Now…What you were missing was the right kind of FINANCIAL EDUCATION – one that teaches you how to thing in terms of dreams and goals, dollars and sense – and how to manage the multiple and often conflicting needs, wants and desires of a family…where every new video game in the short term can undermine the family vacation in the long term…OR worse – send you into a whole heap of credit card debt…for things you can barely remember needing.

You can’t make big changes all at once. Your mind and heart will eventually reject them and you’ll only feel like a failure.

SO HOW DO YOU MAKE THE CHANGE – HOW DO YOU TAKE CHARGE OF YOUR FINANCIAL FUTURE?

Get a Financial Education

By getting education – the right kind. The kind that will guide you step by step, week by week to creating a workable, livable, scalable plan for building real wealth for you and your family…You need to learn how to become a RICH MAMA…

When you’re a Rich Mama, you can have it all. Sound sleep knowing you have enough money to pay your bills and then some. A healthy retirement account so you don’t have to work forever (or work at all). Money set aside for your kids’ education. Money in the bank for new school clothes? Wouldn’t you like to know your family had a real GET RICH SLOWLY PLAN?

So What Can You Do….

How Do You Stop Fighting to Keep Up With the Joneses….And Build the Foundation of the a Wealthy Family…

Introducing the Rich Mama Academy….

A complete, step by step 12 Week Program to Help You Develop a Solid Family Financial Plan and Create the Foundation for Real, Lasting Wealth…

This is not a get rich quick scheme…I’d rather think of it of a Get Rich Slowly Scheme…But You Will See Immediate Effects…From the Very Moment You Take Action…

When Your Bank Account is the Only Thing Not Growing… Here’s Help

The complete video, ebook and workbook course is available today for only… $97… Just $47

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Receive Instant Access to the Rich Mama Academy and Start learning today….


“The Rich Mama Academy: A Complete Step by Step Plan to Building Lasting Wealth” is a comprehensive program that will show you, step by step, how to:

  • Create a Realistic Family Wealth Plan – to manage spending and build long term wealth
  • Identify Your Family Financial Goals
  • Determine Your Spending Patterns – Good and Bad
  • Calculate Your Net Worth
  • Determine A Realistic Spending Plan The Whole Family Can Live With
  • Cut your living expenses without living like a monk and without sacrificing the lifestyle you desire (and deserve!)
  • Save money for short term goals like vacations, renovations, and high-tech toys
  • Build wealth for long term goals like your children’s college tuition and your retirement
  • Create a Workable Plan for Eliminating Credit Card Debt
  • Refinance your mortgage, when it’s the best option for you (and when you absolutely need to avoid it!)
  • Get rid of debt once and for all, so you can start building up your financial assets
  • Improve your credit rating, even if you have debt
  • Protect yourself from identity thieves who can cripple your financial life
  • Make more money, even if you don’t switch jobs or get a raise

Here’s a Sneak Peek of What You’re About To Learn:

Module 1: Get Goalin’ – What’s Your Family Wealth Plan – Building Wealth From the Ground Up

Module 2: Creating and Staying Within Your Budget

Module 3: Reducing Expenses Without Affecting Your lifestyle

Module 4: Saving Money on a Day to Day Basis

Module 5: Short Term Savings

Module 6: Long Term Savings

Module 7: Using Your Credit Cards Wisely

Module 8: Getting Out of Debt

Module 9: Ways to Bring in Extra Cash

Module 10: Should You Refinance Your Mortgage?

Module 11: Checking Your Credit Report Regularly

Module 12: Why a High Credit Score is Important

Bonus Modules

Module 13: How to Raise Your Credit Score

Module 14: International Credit Systems

Module 15: Protecting Your Identity

Module 16: Where Do You Go From Here…

“The Rich Mama Academy” is NOT an eBook – it’s total at home study course with Videos, Audios, pdfs, charts, worksheets and checklists….

You’ll also get:

  • Complete 80+ Page, 16-Module home study course
  • Money and mindset worksheets and companion guides to help you work through the critical areas of the course
  • Budget helpers, worksheets, and trackers to make budgeting FUN again!
  • Expert audio interviews so you can gain the insights and wisdom of others in the field.
  • Money saving checklists and cheat sheets, so you will have the essential lessons at your fingertips
  • My Secret Resource List of Helpful Money Sites, Tools, and Calculators
  • Video tutorials of each module – so you can watch and learn – perfect if you never have time to read!
  • Web-Based access to all modules, videos, workbooks, and checklists so you can work anytime, anywhere
  • Lifetime updates and continuous learning topics added monthly…so you keep learning!

“The Rich Mama Academy” includes all the tools you need to build a comprehensive plan for Creating Family Wealth

Imagine…

… paying all your bills on time

… being debt-free, at last!

… watching your savings and investments grow

… having enough money for that grand vacation… or your dream house

… knowing you’ll be comfortable and financially independent when you retire

… it’s all possible, when you take charge of your finances right now.

Rich Mama’s Academy: A Complete Guide to Building a Wealthy Family

Join Now – Lifetime Membership – Just $47 – Click Here to Buy Now





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YES…For less than the price of a couple of pairs of shoes…or one month of cable, or a dinner out, you will be on your way to building a realistic, ACHIEVABLE Plan for Real Family Wealth

Plus, when you order now, you’ll also get these bonuses, free:

  • A Complete Guide to Saving 100s of dollars on Everything, from Groceries to Education
  • The Family Business – Wealth Building Strategies for Families
  • How to Teach Kids About Money – Pass Along Your Good Habits

When you join The Rich Mama Academy, you’ll have the tools you need to take control of your financial life again. Well, everything that is, except the one thing that I cannot give: your commitment to act.

You see, The Rich Mama Academy is only for those who will actually implement the lessons. You don’t have to do everything in the system, of course. That’s not realistic.

But if you will act on even a few of the suggestions in this course, then you will see your finances improve.

Act now and you’ll discover the simple ways to:

  • MAKE more money
  • SAVE more money
  • TRACK your money

I guarantee it.

100% Guaranteed

You don’t have to decide now. Try “Rich Mama Academy” for 90 days — at my risk. If within that time, you decide that it won’t help you at all, or even for no reason whatsoever, just let me know and I’ll refund every penny you paid.

I’m taking all the risk here, because I don’t want you to. I won’t even ask you ant questions. Just email me to say you want a refund, and you’ll get it.

Click the order button below to get instant access to “The Rich Mama Academy: A Complete Step by Step Plan for Creating a Wealthy Family”

Join Now – Lifetime Membership – Just $47 – Click Here to Buy Now





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Heading For Financial Disaster? Don’t Get Mad, Get Smart!

Are you ready to take control of your finances again?

Yes, please send me instant access to The Rich Mama Academy: A Complete Plan to Family Wealth. I want to regain control of my finances and stop worrying.

I understand that I will get:

  • A Complete 80+ Page, 16-Module Home Study Course in PDF format
  • Video Tutorials
  • Printable Companion Worksheets and Cheat Sheets
  • Budget Helpers, Worksheets, and Trackers
  • Bonus Audio Interviews with Financial Experts
  • My Secret Resource List of Helpful Money Sites, Tools, and Calculators
  • How to Save Money on Absolutely Everything
  • Wealth Building Strategies for Families
  • How to Teach Your Kids About Money

I also understand that I have 90 days to decide if The Rich Mama Academy is a worthwhile investment for me. If it isn’t, all I need to do is email you and I’ll get every single cent back.


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Money problems cause a lot of stress. You don’t have to keep living with it. Face your financial problems straight on, and finally enjoy a financially stress-free life.

To true wealth and prosperity,

Andrea Stein – aka the RichMama

P.S.: If you’re having any money problems at all, you need to take action before it’s too late.

P.P.S.: When it comes to finances, the sooner you earn more and save more, the sooner you’ll get ahead. Get started today, risk-free, for 90 days.

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