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Sometimes we think that we have to make major changes in our lives to get ourselves on track. But in reality, major changes are the result of a series of Small Steps.
 Each day we will post three different steps. If you visit the website daily, and do at least one of these steps each day, you will begin to see real progress. Amazing things happen in the Money
Club!
When you complete today's Small Step:
Add yourself to our running tally of Small Steps taken
by Money Club members (below).
- Below are three Small Steps you
can take to begin to change your
life (below) .
- You'll find more Small Steps in
the list of Targeted Small Steps on
the right.
What Will You Do Today?
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Your Small Steps for
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5 Minutes or Less
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| If you already have an emergency fund, and you currently are contributing the max to your retirement funds, it may be time to start making extra principal payments on your mortgage. Paying just $40 a month extra on a $100,000 mortgage will slash five years off your loan! |
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| 10
Minutes or Less |
| List 10 ways you could raise $10,000 if you really had to have the funds to survive. Brainstorm and think of any and everything that you might do. Use this exercise to get creative next time you need some extra cash. |
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| 15 Minutes or Less |
| If you owe someone money, call them right now and thank them for helping you in your time of need by lending you the money. If you are behind on payments, let the person know that you are not defaulting on them and you would like to make a more workable payment plan. |
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Or, you can check out the running total without adding yourself.
Set the Daily Small Steps as Your Home Page
Your home page is the page that appears every time you open Internet Explorer. By choosing the Small Steps page as your home page, you'll get quick access to the daily 15-minute exercises that keep your finances on track.
Or, with Internet Explorer,
you can reset you home page
manually
From the top menu, select:
Tools>Options
....
and designate
your desired home page .
The change will be in effect
the next time you load
your web browser. |
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Money Club
Makeover
 21-day
programs to move you closer to
your goals. Trust your
Money Guides to show you how. It's
free, it's educational, and it's
even fun.
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