Ways to Find Extra Cash

Becoming a millionaire requires stretching your dollars as far as they can go, so you can stay on top of your money game. Here are a few ways to find some extra cash:

Use coupons: Kim is our coupons expert, hands down. Websites like recession-lessons.blogspot.com, coolsavings.com, coupons.com or smartsource.com can help you save while shopping. For additional savings, shop during double coupon days.

Buy generics: From dish detergent to paper towels, bread to orange juice, you can save big bucks by buying store brands.

Library: Movies, books, music, newspapers and magazine are free at your local library.

ATMs: Avoid ATM fees by using your bank's ATM or get cash back when making purchases with your debit card. If you travel a lot, check to see if your hotel will let you write a check for cash without a fee.

Healthclubs: Your employer may offer discounts on healthclub benefits. Otherwise, you may be able to use your local community center for a low fee, or free. Or, for a totally free workout, walk outside or buy hand weights and make good use of whatever space you have at home.

Movie matinees: Get there by 6pm and pay half the price.

Manicures/pedicures: Go to the salon midweek to take advantage of half-price specials. You can also save big bucks by getting your nails done at a beauty school.

Lunch: Bring last night's dinner for lunch and watch your dollars really add up.

Snacks: Avoid vending machines at work by bringing your own snacks.

Extended warranties: Read my lips: A WASTE OF MONEY. Protection plans are pure profit for the retailer, so skip buying the extended warranties when buying appliances. Your manufacturer's warranty will cover you for the first year. Save the money you would have paid for the warranty, and then use it for repairs if needed. Otherwise, invest it.

Cable: Eliminate premium channels. (How many of those channels do you really watch anyway?) You may even be able to watch your favorite show online.

Prescriptions: Buy generic when possible. Also, check online prices and mail order outlets for up to 30 percent savings at U.S. pharmacies.

Fees: Avoid late fees and overdraft fees at all costs. They really add up.

Child care: What is your backup plan if you have a sick child? Check with HR to see if your employer pays for sick child care.

Now that you've saved all these dollars, how do you plan to invest them?

Lisa

The Millionaire Journey T-shirts

Have you gotten your Millionaire Journey t-shirt yet? What are you waiting for? Click here to get yours today.

Who's in the Driver's Seat of Your Life?

Can you believe it's been a month since we kicked off the Millionaire Journey? To recap the last 31 days: we've discussed The Top 10 Distinctions Between Millionaires and the Middle Class; Rich Dad, Poor Dad; and our current book is Do You. We've hosted a telerally, had our first giveaway, and identified ways that we can make money online.

So, as you can see, WE are well on our way. Tina, Kim and I believe in ourselves. We believe in you. And we know that you believe in yourselves as much as we do.

We're continuing to develop our millionaire mindset, and that means living without fear, as well as living life on our terms. It seems that an overwhelming number of us--yes US--have allowed our fear of what others will say or think about us living a life of financial independence to restrict our financial growth. We've acquiesced to other's limitations of who we should be and what we should have. So, let me ask you:

Aren't you tired of being BROKE?

Aren't you ready to build wealth for yourself, your children, and future generations?

Aren't you tired of meandering in mediocrity?

My answers are yes, yes, and YES! And you know what else I'm tired of? Going along, to get along, instead of sitting in the driver's seat of my life! But, being tired is not enough. We've got to keep the momentum going. It's time to kick some butt!

So, I'm challenging you now to:

• Read the Millionaire Journey pledge daily. Join our blog subscription list to get the pledge delivered to your inbox.
• Join the Facebook fan page, and interact with us and the other fans.
• Surround yourself with like-minded people. Remember, if you hang around 10 broke people, you're guaranteed to be the 11th. So, you've got to get away from broke-minded folks and start hanging out with folks with a millionaire mindset.
• Reaffirm yourself daily. A few years ago I realized I needed to get back in the driver's seat of my life after realizing everybody was in control of my life but me. I wrote the following pledge and read it daily. I encourage you to do the same.
• Start that business you've always wanted to start. Every book I've ever read about becoming a millionaire tells me that I won't get there working a 9-to-5.

I DEFINE ME

I am the President and CEO of my life. My life is a reflection of my choices, so I will make wise choices and be accountable for my actions. I am a divine being created with a purpose that I strive daily to fulfill. God made me an original, so I will act original, think original, BE original; I will not die a cheap copy!

Dreams are seeded inside of me that I will make my reality. I'm not afraid to think for myself because I have the courage that it takes to be ME. The criticism of others will not subvert my purpose because I'm in the driver's seat of my life. If I should ever question who I am, I will seek validation and guidance from my Creator.

I add value to any environment that I enter; therefore, suicide is never an option--I know this world is a better place because of ME.

To your continued success...

Lisa

I Like to Let Other People Spend MY Money

Say No! Did you say it? How often do we say "YES" only to wish that we would have kept our mouths closed? I have been exercising my jaws lately and saying an emphatic "no" without apology. I have more time for my kids because I TAKE more time. I have more freedom because I give myself the freedom.

We are coming up to the Holidays which usually means more purchases outside of our budget. Your friends and family may expect gifts. What are you going to do? Exercise your ability to say “no” right now and stop allowing other people to spend your money.

I made a mistake that cost me over two-thousand dollars because I allowed someone else to spend my money. Click here to read about my stupid tax. How? They suggested that I needed an Interior Designer. Did I? Not when I had credit card debt, a car loan and no blinds on my patio sliding door. Yet, what did I do? Allow the weed seed to be planted in my stinking thinking. Just recently this same well intending friend informed me she was hosting a clothing designer party at her home and that I was invited. Of course I exercised my right to say “no” and did. Yet, she came back with the perfect rebuttal. “The clothes are for ‘little people your size’ and I get 50% off the clothes!” she said. Of course I said “no!” right? Nope, I responded “Wow! That sounds great, okay, I’ll be there” thus allowing her to SPEND MY MONEY.

So, I am saying to you (and me) that in order to get to the first million, we have to take back control and say “no” when we need to, “yes” when we can and stop allowing others to spend our money. I hope that today I brought to your awareness how you allow others to spend your money. Don’t think so? Do you buy items because they’re “on sale”, “half off”, “closing for business” oh…you’ve been allowing others to spend your money too! LOL! Don’t fret, you’re not alone. Take back control and repeat after me “no, no, no!”

On the Millionaire Journey, it is extremely important to continue developing the Millionaire Mindset. You are developing the Millionaire mindset. Now it's time to have what you believe in the spiritual, manifested in the natural.

You cannot do everything, but you can do one thing, the most important thing, and you can do it now.-Brian Tracy

Punch FEAR in the Face!

Achieving millionaire status involves appreciating every opportunity to save, give and DO. I am a frugal person and I believe in saving a dollar or a hundred dollars when I can. I look for ways to save money. Look for ways to cut the costs and stop paying full price. The only time you should be paying full price is when you absolutely want to and don't feel guilty about doing it.

Today I had to book a flight for my boyfriend and I researched online for "coupon codes" in google. Did you know that there is a coupon available for virtually anything you want to purchase online? Yes there is! You just have to find it. So, I wanted to be sure that if you had some place to be that you could also find it too. Click Here for a $25 off Air Tran Coupon

The past 14 days of this journey I have felt like I have been running race and today for the first time, I slowed down long enough to evaluate what has occurred. I started a new business, I received payments for the business and more work, I opened up a Teleseminar, updated my resume and reflected on where I've been and where I want to go in my career. I read Lisa Maria Carroll's book Moving Up in a Down Economy and made a few decisions to get rid of some of major time wasters that were not producing any type of income. Just from her book, I received tips on how to apply for jobs that have my current career title that will more than double my salary!

More than anything, I punched FEAR in the face. I have an amazing Dream Team that desires to me and everyone on this journey succeed! They are up researching ways to save, share and together we are believe God for His abundant blessings in this lifetime. There is so much to be said about that.

So as you are traveling along the Millionaire Journey with us, Punch FEAR in the Face! Allow your dreams to come alive, switch gears and use every opportunity that you have available to live your best life now. Evaluate your money mindset and remember to say the Millionaire Pledge DAILY!

You can and will achieve millionaire status. How long is up to you.

After you read this post, please copy and comment with I punched FEAR in the face! You'll feel much better after you do-really, you will!

Tina

Old Habits Die Hard

Be ye transformed by the renewing of your mind.

I make too much damn money to broke. I’m just going to put it out there, and keep it all the way real. All of my kids are grown, and I live waaay below my means, except for when it comes to “loaning” money. I got a bad habit of taking care of other folks before I take care of myself. In other words, I spend more time worrying about other people’s problems than they do. And, let me just put it this way, I could probably be a millionaire if I were to call in all the “loans” that I’ve never gotten a payment on.

Now before anybody stands up to tell me how blessed I’m going to be for helping others, sit down for a minute and let me finish…

God has charged me to be a few things, and a fool isn’t one of them. The Word of God charges us to be as wise as serpents and harmless as a dove. It’s downright foolish and unwise to loan and give money that you don’t have. And that’s what I’ve done over and over again in the past. But, no more, because God also charges me to be a good steward over the things that he blesses me with. A steward is a manager. And how well am I managing the things that he has entrusted to me—including money—if I loan bill money, and then I can’t pay my bills? God gets no glory out of me—or you—living with no electricity or heat because we’ve loaned our money to someone who wasn’t a good steward over theirs either.

It’s Day 12 of the Millionaire Journey, and although I’m still 353 days away from being a millionaire dollar-wise, I definitely have a renewed million-dollar mindset. And to God be the glory. People don’t need my money, they need my motivation (Wallace D. Wattles). Otherwise, I’ll continue to stay broke. Correction, they’ll continue to stay broke, because as a man thinks, so he is. And my thinking has changed. There’s no more meandering in mediocrity for me.

Lisa Maria Carroll

7 Things You Can Do to Make Money

Our Sunday tele-rally was a blast! On the call we defined the journey, told you how you could join as a participant or fan, and revealed seven ways that you can make money now.

Yesterday, I told you how to sign up for a Clickbank account. Well, today I reactivated my eHow, Ezine and Associated Content accounts to start earning more passive income. (Kim also has an Associated Content account with some great articles.) I know it may look like things are going really slow right now (and, frankly, it feels that way too), but I'm positioning myself. I currently have a blog, Single Mom and More, and I'm hardly making any money on that site. But, I learned through a teleseminar yesterday that I can take the content from my blog and post them to all three of those sites and get paid. I was trying to get paid on my site, and then my plan was to cross-post. Man, was I doing things backwards.

Once I get my blog posts migrated to those sites and others, I don't have to do anything else to them. People will find them through search engines and my newsletters. And I'll make money. It won't be much at first, but I'm creating e-products, cross-promoting, creating links, and much more. And over time, all of these little things will add up, and become something much bigger. I'll make it so that they all work together.

In the meantime, I want to recap the seven things we identified on Sunday's call that you can do to make money:

1. Capitalize on social media (Twitter, Facebook, MySpace, LinkedIn)
2. Create a blog and monetize it
3. MLMs
4. Use your job as a multiple income stream
5. Take surveys
6. Identify your strengths
7. Finish what you started

Tina, Kim and I are going to blog about these things in great detail, so make sure you're subscribed to this blog. Also, invite friends to join the Millionaire Journey fan page on Facebook. We want to encourage you as you encourage us.

Until next time, see you on the journey.

Lisa Maria Carroll

How to Make Money with Clickbank

One of the ways that we identified to make money online is through Clickbank. Clickbank is a marketplace where people can either sell their e-goods or sign up to sell other people's e-goods. Most people have at least one product of their own to sell that can be downloaded without needing any part of it to be physically shipped. But even if you don't, you can still be an affiliate.

As part of my effort to identify--and take advantage of--all possible revenue streams, I reactivated my Clickbank account. I signed up for it over a year ago, but never used it. In other words, that's a year's worth of passive income that I could have been generating. But, no sense in crying over spilled milk.

So, looking ahead, here's how you can also start making money through Clickbank:

1. Visit: http://www.clickbank.com/, and decide if you want to be an affiliate (promote products), or a vendor (sell products). Clickbank will then send all of your sign-up information via email.
2. Identify a niche. Search the Clickbank marketplace to see what categories are available. Tailor your e-goods (ebooks, software) to fit categories that are not already filled with similar items. Also, give your products a fresh angle that will make it different from any similar products.
3. As a vendor, you will need to register for a seller's account. Pay the startup fee and have your account confirmed.
4. Create a website, landing page or newsletter to advertise your product. Write a sales letter or page that accurately describes the product and what it can do for the buyer. Use highly-searched keywords in order to get search engine traffic to your page.
5. Submit your page and your product to Clickbank for approval. Take the Clickbank payment links provided to you from the site and put them onto the sales letter or website.
6. Choose a price for your item. When doing so, take into consideration the percentage of each sale that will go to anyone who sells the item on your behalf. You'll set that amount as well.
7. Market your item in forums, blogs, websites, and newsletters.

Let's make some money on this millionaire journey.

Lisa Maria Carroll

Now is the time to FUND your passion!

Colossians 3:23 He says "Whatever you do, do it with all of your heart as unto the Lord and not unto men."

I found this super fantastic site Polar Unlimited that provides book summaries of the Top Business books using audio and video. The latest book "Crush It! Cash in on your Passion" by Gary Vaynerchuk is one of my favorites. Right now on this journey 3 Women. 3 Paths. 1 Destination: 1 million in 365 days, I am more than ever seeking ways to "cash in on my passion."

There is so much that I can do and that I have been doing for FREE and in the words of my great friend Lisa "People are always willing to take what you will give." I have passion (and plenty of it), I know my purpose and I know that I have valuable information. Yet, how do I cash in on it? That is the key. Who cares what I can do or what I know if I can not find value in my intellectual property? So, listening to "Crush it!" I took good notes and am purposing not only to live my life with passion and purpose, I am looking for ways to cash it in!

Visit the Polar Unlimited site and listen to the Book Summary here.

Crush it! (My notes)

1. Live your passion
2. Build your personal brand
3. Create great content
4. Become a great communicator
5. Work your face off!
6. Leverage social media
7. Make money: Chase the passion, not the money!

How can you cash in on your passion?

Tina

Stuff Broke People Do

People buy what they want, and then beg for what they need.

We've all seen it, folks rolling on dubs while living in an apartment complex. And the ones who get their hair and nails done, and then ask borrow the money to pay their electric bill.

A few other things broke people do is:

Take their last $20 and go buy a pizza, instead of going to the grocery store.

Buy gourmet food for their pets, and then ask you to buy their lunch.

Loan money they can't afford to give.

Talk on their $500 cell phone while on the bus.

What are some of the things you've seen broke people do that make no sense?

Lisa Maria Carroll

Is the Bible Keeping You Broke

Does God want us to be poor?

If there's one thing I'm sick and tired of, it's church folks--not to be confused with Christians--using the bible to stay broke. Yes, the bible does teach us that the poor will always be with us, but nowhere did it say that the poor would be me.

This I know, and that is, if you're looking for a reason to get up, you'll find it. And if you're looking for an excuse to stay down, you'll find that too. That's why it's usually the lazy, apathetic folks who quote 1 Timothy 6:10 the loudest, The love of money is the root of all evil. They've found the excuse...errr, scripture, they need to justify not getting up and creating the life they really want.

So, what does the bible really say about money?

1 Timothy 6:10 For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.

This verse is so often misquoted that it is ridiculous. The love of money is evil, not money itself. Having $1 million in the bank doesn’t mean that you love it anymore than having $5 in there proves that you don’t.

Who would you say loves money more, Bill Gates because he's a billionaire, or the thug who won't work, but instead carjacks someone for a joy ride or kills someone for $20?

Acts 20:35 In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’

This verse is usually quoted by folks who are on the receiving end of your giving. And for some reason they've never read 2 Thessalonians 3:10 For even when we were with you, we gave you this rule: "If a man will not work, he shall not eat."

Luke 6:38 Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you."

Oprah is a great humanitarian who gives, gives and gives. And there are some who accuse her of being all about the mighty dollars. But, the more she gives, the more she gets. It's like when we buy a bag of chips. The bag is filled by weight, and you'll notice that when it settles down, there's lots of room left. In Jesus' market, he would fill up the bag, press it down, shake it up to get all of the air out, and then fill it again, so you had a completely filled, running over bag of chips.

God wants to bless us until it overflows.

What are your feelings about money and the bible?

Lisa Maria Carroll

The Power of Association, and the Transference of Spirits

Can two walk together unless they be agreed? Amos 3:3
(That would be three in our case.)

It's Day 4 of our journey, and the momentum is building. Tina, Kim and I have been volleying emails all week in an effort to identify income streams and marketing strategies. (Believe me, we're not just playing on Facebook. :-)) Today I realized that I have NEVER connected with anyone who had the same views about wealth building as these fabulous ladies. I'm usually the one saying, "Let's go. Come on. What are we waiting for?" while trying to carry folks along for the ride.

But, there's something about being around progressive people that make you want to be progressive. Their warms spirits are rubbing off on me. The energy. The vibrations. The T.E.A.M. work. Together Each of us is Achieving More.

I'm encouraging everyone who has joined us on the Millionaire Journey to be mindful of your associations. The company you keep can build you up or tear you down. I Corinthians 15:33 teaches us that bad company corrupts good character. Hanging with the wrong crowd can put you on a slippery slope to doing wrong things, or in some cases, nothing at all, leaving you stuck mentally, physically or emotionally.

But, the converse of that is true as well. Surrounding ourselves with people who have forward momentum, ambition, strong moral character and a desire to do what's right can cause us to want to be just like them.

I'm loving the journey. And I'm grateful for Tina and Kim, as well as all of the fans on our Facebook page who are supporting us as we support you.

We have 361 days left on the journey. In what ways can we support each other?

Lisa

Day 3: Playing To Win

It is incredible what you can accomplish when you play to win. All my life, I, like most people, have been taught to live within certain boundaries. You know: go to school, do well, get a good job. All good advice if you want to just break even in life.

Since I’ve started the Millionaire Journey, I’ve begun playing to win because the truth is you will never get where you want by only breaking even. Playing to win is all about knowing who you are, what you want, and taking a no holds barred approach to getting it. It’s also about understanding that you may get knocked down but you keep coming back refusing to accept defeat.

My life has truly changed in the last 3 days since I’ve started the Millionaire Journey. I’ve found opportunities in everything I do, and I’m learning to leverage my strengths. I’m also recognizing that life is not a dress rehearsal because you only get one life to live. Most importantly, I’ve learned that life gives you precisely what you ask of it. If you play to lose, you lose. If you play to break even, you break even. So guess what, I’m playing to win. What about you?
(Kim)

Is This The Law of Attraction?

I found 30 cents on my way home from work yesterday. There were two dimes in my path as I walked to the bus stop. And when I got to my car, there was another dime right next to it. This may not sound like a big deal, and I admit that I didn't think much of it when I picked those three dimes up off the ground. But during my quiet time this morning, I realized that those dimes represented the renewed mindset that I have on this millionaire journey.

First of all I'm a Christian, and I believe in God. The bible teaches us to be transformed by the renewing of our minds (Romans 12:2). It's Day 3 of the journey, and with my mind renewed, I know that I can be a millionaire in one year. And these dimes represented money coming to me. I'm attracting what I'm putting out into the Universe. I'm speaking wealth and abundance into existence. Hallelujah!

Do not conform any longer to the pattern of this world, but be transformed by the renewing of your mind. Then you will be able to test and approve what God’s will is—his good, pleasing and perfect will. Romans 12:2

What do you believe?

Lisa

Day 1 of the Millionaire Journey

Day 1 of the Journey and we are excited! Emails back and forth, a You Tube, a Blog Talk Radio Show and thinking of multiple ways of generating income. Action and implementation is key!

Becoming a millionaire has never been more possible in all of human history than it is right now, today, here in America, under our economic system.-Brian Tracy

What thoughts do you have about reaching millionaire status? More money, more problems or more money, more freedom?

Tina