Stale Green Light

One of the most important things to help you stay debt-free and financially stable is to create a budget. It will help you see where your money is going and hopefully help you change unnecissary spending habits.

There are 3 steps to creating a budget:

1. Identify how you are spending your money

2. Evaluate your spending and set goals to help you reach long-term financial objectives. Beware of those things that are luxuries, yet are disguised as necessities.

3. Track spending to help you stay within your limits. Try to spend less than 90% of your income so that you can meet those long-term financial goals with the 10% that’s left over.

To make planning a budget easier, there are some software programs, such as Microsoft Money and Quicken, that have budget-making tools to make the process easier and more efficient for you.  Just remember, however you decide to create a budget, if you stick to it, you will reap the rewards of having a piece of mind and financial security for the future.

NetSpend is a innovative company that provides its customers with prepaid cards that act as MasterCard of Visa debit cards. NetSpend offers customers that have bad credit, who are unable to open a credit card account, the ability to have the convenience of a debit card without all of the hassle. With these NetSpend prepaid cards, one can transfer any amount of money onto the cards and not worry about bills at the end of the month or any overdraft fees. The money you put onto the card is the only money that can be taken out. This money can be transferred online, or in any bank. NetSpend prepaid cards offer the ability to do almost anything a visa card can do. You can withdraw cash from an ATM, shop online, grocery shop, pay bills and even pay for gas. NetSpend is an affordable way to avoid the costliness of opening bank accounts and credit card accounts. They also offer a way to stay debt-free and to keep your money spending in-check. Not only are they convenient and affordable, they also make great gifts. NetSpend offers visa prepaid gift cards that are good almost anywhere! Prepaid debit cards are all-in-all a safe and easy way to save money and keep spending in check. Thanks NetSpend!

Even the world billionaires are feeling the effect of the economy. Bill Gates lost nearly $18 billion dollars but even with his losses regained his title as the world’s richest man. Warren Buffett, last year’s No. 1, saw a decline of $25 billion as shares of Berkshire Hathaway fell nearly 50% in 12 months. Mexican telecom titan Carlos Slim Helú, coming in third wealthiest, lost $25 billion over the past year. 

Meet: William Gates III (aka Bill Gates)- #1 World’s Wealthiest Billionaire (click here to find out more)

Net Worth:$40.0 billion
Fortune:self made
Source:Microsoft
Age:53
Country Of Citizenship:United States
Residence:Medina,Washington
Industry: Software
Education:Harvard University, Drop Out
Marital Status:married, 3 children