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After learning to make more money and finding out ways to protect your money, you next need to learn how to budget your money for maximum utilization.According to the book, a budget is a plan to coordinate your most important resources (such as money and time) and expenditures.  There are 2 kinds of budgets:Budget deficit excess of spending over income you spend more than you earn Budget surplus excess of income over spending you earn more than you spendThe reason most people are poor is because all their lives,There are 2 ways to generate a budget surplus: to make more money, thereby increasing your income, or You can cut expenses, and reduce your spending.Both strategies will tip the equation to your favor such that your income will be greater than your expenses and you create that extra cashbudget surplusMost people and businesses only know how to cut expenses, especially in these times of financial uncertainty.  But you can only do so much in terms of cutting expenses without sacrificing your mental, emotional and physical health.  You don’t need to starve yourself to create a budget surplus. If you apply Financial IQ # 1 – make more money, you can stretch the other side of the equation and achieve the same thing.  The same applies to business. A business without sales is NOT a business. So aside from minimizing the costs of your business, you also need to learn to sell more and boost your income!Robert Kiyosaki offers 4 tips to plan for a budget surplusA budget surplus is an expense Make spending for budget surplus a priority Pay yourself first, even when income is less than your expenses Use the pressure of not having enough money to think of ways on how to generate that extra cashThe expense column is the crystal ball Discover what youre spending on, and you will know if your plan is working to give you a budget surplus or a budget deficit Robert Kiyosakis Rich Dad says,you can tell a persons future by looking at what they spend their time and money on.My assets pay for my liabilities Instead of using your hard-earned money to pay for your liabilities like a car or a flat screen TV, make that money work for you by using it to build assets and use the income from those assets to pay for your car or your flat screen TV. Spend to get rich Know when to spend and when to cut back.  Most people only know how to cut back.  Spending wisely to grow your money is a harder skill to master. Learn to do more with less and use the pressure to become smarter in making more money

Budgeting is boring.  Thatâs what most people say.  However, it is one the most important rich money habits that you will have to learn.  A budget is like a map.  The only way to get to your destination is to know where you are right now, and use your plan to discover how to get to where you want to be. Consciously working on your money habits is a life-long process, and it starts with taking care of the resources that you have â that is budgeting your money and time.  What others donât realize is that we all have 24 hours in a day.  Some people multiply their impact by providing livelihood to thousands of people and generating more money not only for themselves but for the whole community.  Others just sit around all day never doing anything to make their lives easier.  To me, it is not a question of do we need to budget or not.  It is a matter of realizing that to live your life to the fullest, you need to make the most of what you have. Be patient.  The problem of TV shows is that everything is fast.  Yesterday a child was born. The next day heâs already a teenager.  The next week he himself is already having his own kid.  Life is not a TV show.  It is a series of small steps earned each day.  So have a plan and learn to adjust that plan along the way.  As Robert Kiyosaki says “take it one day at a time

Businesses are going bust at an alarming rate and every savvy business owner wants to maximise their search engine optimisation marketing and their advertising pay per click spend.Many have approached me for my SEO opinion on how to integrate pay per click marketing and new seo into an effective business marketing campaign.The most recent request came from a business director who was frustrated at paying for both search engine optimisation marketing and a separate advertising pay per click sales campaign.He expressed his frustration at paying an SEO consultant and a separate pay per click online company.His initial frustration stemmed from the fact he believed only fifty percent of his advertising and marketing spend was producing results, but he could not identify which 50%.Many years ago this frustration was documented as a famous quotation from Henry Ford the founder owner of the Ford Motor Company.

He stated, “I know 50% of my marketing works, I just don’t know which 50% it is.”Back to the present and our business director. He was equally frustrated that despite paying tens of thousands of pounds over a period of time for a pay per click online service. His pay per click marketing specialists had been unable to identify the magical pay per click formula.It’s worth mentioning right off the bat, that there is no such concept as a magic pay per click formula.If there was,then every business owner serviced by SEO consultants and every search engine optimisation marketing and advertising pay per click business marketing campaign would be a super success. And yet they are not.There are way too many external factors which dictate the success or failure of any pay per click campaign or new SEO marketing campaign.Search engines are by definition organic businesses, and as such they move the goal posts on a frequent basis.I admit to being just as frustrated as every other search engine optimisation marketing company when search engines like Google change their algorithms and spin business owners off hot on the heels of a new seo business marketing campaign.Despite some pay per click online specialists stating the internet has peaked, they are wrong.I listened to a well respected SEO consultant advising an audience that the internet has nowhere near peaked, and that the very best is still yet to come.We are only in internet infancy, and as such very few business owners are harnessing the power of online sales and marketing strategies to promote their business and increase their sales.

Employers look at what the job entails, what competitors are offering for similar work roles and the abundance or lack of in the relevant skills. For new businesses this process is more straightforward but for established employers, it is slightly more complex. Existing employees set a precedent with their pay rates and therefore creates less flexibility to agree a pay rate different from one already given to current payroll employees in the same or similar job roles.Established employers recruiting new payroll staff, does provide an opportunity to review pay rates generally. It is not always simple to stick to the rates currently being paid to existing employees, as external factors, such as shortages of skills in specific areas, can have an effect on rates of pay.

Employers unaware of this issue can face difficulties in recruiting new employees, but may also suffer when current employees become attracted by higher rates of pay elsewhere.An employer must decide where they want to position the business and the rates of pay being offered. To attract the best payroll employees, employers may wish to pay a ‘top of the market’ rate. At the other end of the scale, employers who are unwilling or unable to pay premium rates may have to compromise on the calibre of employees they recruit.The law requires employers to pay a fair and equal rate of pay for equal jobs, regardless of who is doing them.  The National Minimum Wage is a standard minimum amount prescribed by law and is the lowest amount an employer is allowed to pay to any employee.Under HM Revenue and Customs rules, employers have other legal duties regarding pay such as the deductions of tax and NI. These deductions must be paid directly to HM Revenue and Customs on behalf of the payroll employee.  The employer is then required to provide each employee with a written statement or payslip at the time of paying staff to indicate the gross pay, deductions of tax and National Insurance, fixed deductions (e.g. loan repayments or Trade Union subs) and net pay total.

Go to the pen of animals next to the place with the character named Tom in it, and you may find some animals there (they might already be dead). If you do see some, kill them. They may be hard to kill but it’s worth it. They give no experience at all but the meat does. And maybe the ham they drop is worth money. They sell for 2 gp (gold pieces) each and the meat is 4 gp.When you can’t hold any more meat (when your Capacity is at 0 system told:it’s too heavy), or when there are no more animals, go to a man named Willie just on the right of the pin (leave out of the north exit, then go right). Sell him ALL of your meat, cheese, and whatever food you may have (that he will accept) and get plenty of money now since there aren’t many animals left now. Go south of the animal pen (go right through it and go right again until you come across a big field. Kill everything that is there: deers, chickens, rabbits, etc.) and collect their meat. And check all the dead bodies and see if anyone left anything. Now sell everything again and check the animal pen again! And repeat.

When you have around 300-400 gp buy this list from either Al Dee(north of willie) or Obi(Left of Toms) they all sell the same things at the same prices( either one will do the list includes Leather Legs Leather Boots And(maybe if you want to save a little money but have weaker armor out on armor) a Helmet this doesn’t add up to much but it WILL when you get the list above go to the center of town(where the sewer gate is)and say:Buying Chain Armor Offer Wait until someone reply’s this is the best armor in Rookguard when you get to main(main land) its worth nothing its mostly around 50 gp but can go higher Then when you get your chain armor yell(if you didn’t buy a helmet)Buying Legion Or Viking Helm Offer)these are good helmets in rookguard then when you’ve done THAT shout Buying Kantana Or carlin Sword Offer the kantana is the BEST weapon in rookguard and carlin sword is the second best do this until your done.When you get this you should be AT LEAST level 4(if you trained fist) or level 1(if you got money first when you have done this go buy a backpack from obi or al dee for 20gp and a rope and a shovel(you will need these)if you don’t have enough money kill more animals for meat until you have enough this will ring up a HIGH bill but is worth it next off more training places.

Emergency Money Help how to get Emergency Money for Bills. If you need emergency money for bills then don’t despair because there are several ways for you to get emergency money for bills fast and not have to stress about needing Emergency Money today for bills you can’t pay.Emergency Money Help Loans are Faxless Cash Loans With No Credit Check that give you emergency money for bills.Anyone in the workforce would have no trouble in getting instant cash advance loans from payday loan lenders approved. These loans are a quick and easy loan to have approved and the money wired into your account the same day.

What if you’re not working?

Selling your old gold chains, necklaces and bracelets is just one way many women get emergency money for bills with a quick trip to a gold dealer. Gold is selling at very attractive price and there are many women that have old gold jewelry that is doing nothing but sitting in a jewelry box.Broken chains or those old ugly pieces that you were given as a gift are especially easy to give up. Then there are the gifts from former boyfriends that no longer have any sentimental value when you need emergency money for bills fast.

There are some tips for selling your old gold jewelry.

Firstly, prices will vary when selling your jewelry depending on where you try to sell your jewelry.Lowest return to you will be at a pawnbroker.The second lowest return will be at a jewelry store.A gold dealer will give you the best price.If you have antique jewelry pieces you wish to sell then be aware that your antique jewelry may be more valuable as an antique rather than as a chunk of gold to be melted down.

What If I have no gold jewelry to sell for fast cash?

Don’t despair, there are many government funded local and state charities and church groups that can help you.You can dial 211 for help from government and community based organizations for help with food, housing- rent assistance, shelters, employment, health care, counseling and more