by Dedre Hetherington

Created on: April 21, 2008

I once heard that if you have a nickel, save a penny. Today may be a day that you are setting financial goals and you are looking for some tips throughout the net. Well, looks like you are off to a great start! Although the world's economy is currently at a low point, we can overcome this despair.

First and foremost, I live by the act of kindness and being thankful for what I already have. I believe that it is crucial for those factors to be present in order to have a true successful life. True happiness is something you earn.

In saying that, I have researched the Internet, books, videos, and other recourses for my financial freedom. I am not saying that you are going to become a millionaire overnight, (not legally, anyway) but hopefully you will have a better insight on your finances and your goal.

1. Again, when you wake up in the morning, look around at what you do like. Hold that feeling as much as possible.

2. Pictures are worth a thousand thoughts and one goal! If what you visualize is what your goal is, get the picture, save it on your computer, physically have it. Mental pictures are more likely to be put on the back burner since a million and one goes through one's mind on a daily basis. This makes your goal more official both mentally and physically.

3. Everyone has needs. It is important to determine between a need and a want. Do you really need to eat out every month or get a soda at the station every time you stop?

4. After determining your needs, here are some tips from my list of needs that I live by through trial and error. Sometimes MORE IS LESS! Yes! Generics are great when it comes to many things, such as most make-up, clothing, shampoo, food, and accessories. But...

A. Cleaning supplies are best to get from a brand name, because in the long run you will just have to buy sooner and more than likely they just don't add up in performance. Actually, some don't work at all. Always buy good laundry detergent!

B. Generic food is great, but I no longer buy generic green beans due to excessive stems. Meats are cheaper bought in lower quantities, just remember to buy storage bags before you leave. Chicken is most inexpensive. Storage bags are Important for ANY household. These can also be inexpensive and save you a lot in the long run. Storage bags are great for eliminating individual packages which are more expensive than buying in bulk. NEVER SHOP HUNGRY !

C. This is more of a want, but sometimes felt needed! Most make-up and accessories are

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