User:Juliovolcano

Cash will be king in 2009 and 2010. Survival Guide: (Focus on Food, Shelter, Health and Family) a) Do not spend cash b) Cut away any and all unncessary expenditures c) Don't buy any alcohol - if you need to drink find the closest bar with happy hour specials d) Reduce healthcare spending - work out everyday e) Pay off all debt f) If you need to buy anything always pay cash f) Do not buy anything on credit for the next two years; banks are going to be brutal with you g) Reduce unncessary trips - carpool to work if you can h) Ask your auto insurance company for ways to reduce your insurance costs f) If you have a 401K - move all funds to secure long term investments g) Don't put any money in stock or high risk funds unless you have money to throw away h) Constantly network - at work, at church, etc i) Volunteer and give back to your community j) Make a goal of making a new friend every 3 months k) If you do not personally know the person you are sending a Xmas card to - you need to replace that person with a friend you know l) Work 8AM - 5PM or standard working hours. Use non-work time to relax and recharge m) Insulate your residence; lower your temp in the winter; do not use air conditioning in the summer. o) Always take a vacation away from where you live every year. p) If you are not learning new things in your job - take a college course in Accounting, Tax Law - great skills for part-time jobs q) Always have an updated resume, summary of key accomplishments, answers to key interview questions r) Have a goal to retire by the age of 40..