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

Frugal Living: Free Shipping & Finding Coupon Codes

As I mentioned in a previous article, I love to shop online. I’m a big fan of shopping online. In order to make shopping on line feasible, there are two things that are must haves for me: one is free shipping and the other is a discount.

1) Never pay for shipping. You should almost never pay for shipping when you buy online. Honestly, it’s not worth it to shop online if you have to pay shipping costs. Many merchants offer free shipping year round on a minimum order or they offer free shipping codes throughout the year. Check FreeShipping.org or go to the Free Shipping page at ShopATHome.com to find free shipping codes and offers available at thousands of stores online.

Two great sites are available to assist you.When I order online, I pretty much refuse to pay for shipping. It's just not worth it to me to have to pay high shipping prices--even if the online deal is spectacular. On Decembmer 17, 2009 dozens many sites will be participating in Free Shipping Day and they guarantee they will deliver to you by Christmas Eve. To find out which stores are participating, click HERE.

2) Find coupon codes. Coupon codes are all over the internet. You should ve able to find a coupon code for any purchase you want to make. One good site to look at is RetailMeNot.com. You only need to go to their site, search for the store you want to shop at and you will get a list of coupon codes.

Between getting free shipping and coupon codes you should be able to get significant discount on the item purchased.

Frugal Living: Using Cashback Sites To Stretch Your Dollars

The holidays are right around the corner and with it comes a good deal of shopping. Unless money doesn’t matter, there is never a reason to buy anything for full price. Between cashback sites and coupons you can always get a discount. The way cashback sites work are they pay you a rebate-usually between 2% and 6%- to shop a specific retailer through their site. These sites are “must use” if you shop online because they don’t cost anything to use and you may as well get paid to purchase the items you were already going to purchase.

I use several sites and each one has a different rebate percentage. I recommend that you sign up for each of them and then when you’re ready to shop compare who is offering the best rebate with the particular retailer you are planning to shop with. The ones I use most often are:

Ebates. Ebates is the site I’ve used the longest. They pay you $5 upon sign-up and you can cash out when your account reaches $5.01 so only one purchase is required. Payment is sent out on a quarterly basis. The list of retailers is extensive. Sign up at: http://www.ebates.com/rf.do?referrerid=rW6YfCjMfgU%3D

Cashbaq. Cashbaq also offers a $5 bonus for signing up. Payments are made on the 20th of each month to all members whose accounts have accrued at least $10. Also, Cashbaq offers the deal of the day, which is a bargain deal that’s 50-90% off the retail price after the bargain price and cashback. Sign up at http://www.cashbaq.com/?refer=487680

Mr. Rebates. This site has to be one of the best ways to make money. In addition to giving you a rebate for your purchase, you can also earn 20% of your referred friend's cash-back rebates on every purchase they make through Mr. Rebates (at no cost to them). You get that extra 20% for every purchase your referred friend makes. You just can't lose on a deal like this! Sign up at: http://www.mrrebates.com?refid=266494

Blastoff. This is one of the newest cashback sites. It actually combines cashback with multilevel marketing but without any sign up cost. You get a rebate not only when you shop at merchants through their online mall but you also get paid when the 20 people in your circle shop through the online mall. Click here for sign up.

To make certain that you receive credit for your purchase, you must find the store on the cashback site you’re using and click through to the store from the link provided by the cash back site.

I will teach you to be rich Part II

Can anyone truly teach you to be rich? What does being "rich" really mean? For me it simply mean financial independence. Monday my daughter called me from school and informed me that her glasses broke in half. Without hesitation, I hung up from her and immediately called in to the Ophthalmologist to set her up an appointment. Well, time is more important to me than money so I scheduled my other two children appointments too. My oldest daughter wears contacts and is begging for colored contacts. My son was whining because he couldn't get glasses and my baby daughter had a pair already picked out (and they were not on sale!).

Sure the insurance covered all except $20 of the visit. Sure, I picked up the glasses yesterday and the total was just $117 after they showed me the total of $300 plus dollars. Good thing I have insurance...right? In the past, I would have stressed out over the visit and the amount to pay. Yet, because I have a budget and a larger salary, the visit was a breeze and neither I nor the children were frustrated.

See financial independence is more than the money. Financial independence is the confidence you carry knowing that you can support yourself, your children, family members, the homeless, those in-between, etc. Ramit Sethi's blog I will teach you to be rich is about more than becoming rich. The information he share is about changing your MINDSET which in turn releases stress and frustration. Financial independence is freedom from debt, freedom from lack, freedom from living a mediocre life and freedom from being tied to a meaningless job.

This millionaire journey we're on is more than you becoming a millionaire. There are plenty of stories about those that achieve millionaire status and lose hundreds of millions a few years thereafter. Did you know that within two years of retirement, 78 percent of NFL players are bankrupt or in severe financial distress? Read Chris Chase's article for more information about Why do so many NFL players go bankrupt?

Come on, this is more than about money. The journey is about MINDSET. What does being rich mean to you? (Tina)

I will Teach You to be Rich Part I

I'm beginning to believe that most people in life just want to be spoon fed. I have been a long time follower of Ramit Sethi's blog I will teach you to be rich and have learned quite a bit from his tips. If you're not following the blog, take a moment to go and sign up. He's been writing since 2003 and sharing his quest to become rich.

Last night, I attended his 6-week Boot Camp pre-launch and paid attention to his marketing techniques. For an entire week, he gave us his best information, videos, emails, etc. and finally had a live meeting and told us more FREE information. Yet, free isn't the point. The point is he places a value on information and finally gave us the price for the 6-week Boot Camp. Personally, I like his no nonsense approach. Not only did he just give the price, he politely said he was not going to hard sell us into buying it.

Ramit said, "Either you want it or you don't. If you don't, continue to follow the blog and do nothing." While I followed the live web chat stream, I realized that Ramit appeared to be living in an apartment, he didn't have the "best" camera, we don't even know if he's rich, yet HE'S TEACHING OTHERS HOW TO BE RICH! What's the point? There is someone somewhere that wants your information because they are too lazy to do it for themselves.

They don't even care if you're rich, skinny, fit, healthy, etc. They just want a quick way to improve their lives. Do you really want to be rich? Do you really want to achieve millionaire status? I do and I have for some time been quite diligent at doing those things that will guarantee that I reach financial independence. Just today I ate breakfast here at work (which I must admit, I rarely do) and the cost for an enormous pancake was a whopping $.74! Yes, and I drank water.

In fact, many of the people that eat breakfast and lunch in our cafeteria have purchases that easily reach $7-$10 daily. Now, I must say that you don't have to skip on lunch or your favorite restaurant. Please do not misunderstand me. I do believe that you must put on constraints. If you can not pay all of your bills on time, have credit card debt, no savings and are struggling financially, you should be eating Ramen Noodles for lunch. As Dave Ramsey would say, "rice and beans, beans and rice."

Yes, I said it! I have a lot more to say too. I'm developing a new approach at finances, business and this mission. We can all be millionaires-I BELIEVE IT-yet there must be a strategy. Mindset is FIRST. So, first things first. This journey should feel exciting and a little uncomfortable too. Each day you must first believe and then think about what you can do to achieve financial independence.

Kill the foxes and get moving! We are on a mission to teach you how to become a millionaire as we achieve the status ourselves. We're researching, interviewing and reading everything we can get our hands on. What can you do TODAY to work towards your financial independence? (Tina)