Staley Financial

Make some extra cash online

2010-01-21T06:26:00.000-08:00

Wondering how to make a little extra money? There are a lot of sites online that allow you to complete different tasks and pay you for them. But are they worth it? There are a lot that are not but some of them are. If the site promises a lot of pay out, thousands of dollars every month, it's probably not going to be a good site. I've tried a few of these sites over the past couple months and I think I've come across on worth your time. Fusion Cash actually pays you for your time! Bellow you will see a tracker that shows the amount of money I've earned with them. I started yesterday taking surveys and I made $14! Not bad! There are people on this site who have made thousands, not in a month, but over time. Fusion Cash doesn't promise to replace your current income, but it's not a bad way to supplement it. Just click on my banner below and it will take you to the site. Try it for yourself and find out.

Christmas is here

2009-12-21T10:56:00.000-08:00

It's that time of year again. Time for the family get together, too much food, some extra sleep, and some well deserved time off of work. You've worked so hard this year, just ask yourself! It's also time to go and spend too much money on your friends and family (and some people you don't like!) buying them things they will never use! I have a friend who last week found a DVD he bought his son last year for Christmas, still in the plastic wrap. He's going to re-wrap it and give it to him this year again! Now that's a way to save some money. There's nothing wrong with Christmas or buying presents, we all love to get and give gifts this time of year. The problem is buying more than you can afford. It seems like every year Christmas sneaks up on us and we don't have the money for gifts. Instead of cutting back on what we spend we charge it, run up our credit card and end up paying 2-3 times the amount in interest. Here's a crazy idea...every month set a side $100 into a Christmas fund. This way the next time Christmas "sneaks up" on you, (every December 25th) you will be ready with $1200 to spend on gifts! No more credit cards, no more surprises, no more worrying about where the money's going to come from. It doesn't have to be $100 every month, but it should be something. Take the amount you plan to spend on Christmas next year, divide that by 12 and that's the amount you need to start saving every month, NOW!

Alot of us use unexpected events in our lives as an excuse to be in debt.
"I didn't know the cars was going to break down"
"I wasn't expecting to go to the doctor"
"I forgot about Christmas"
You get the point. Here's a little insight that might help, unexpected thing happen, so expect them! See, if you're ready for them they aren't so unexpected and they don't turn into a financial crisis. Use the same Christmas fund concept above for these other areas. Have a monthly amount that you set aside for car repairs, doctor bills, medication, and other expenses you may incurr through out your life. Now when the car breaks down you don't have to charge it, you use the money you've saved in expectation of this unexpected event to pay for it. It's amazing how things change when you are prepared for them. Your mood changes when something does happen because you don't have the worry of where the money is coming from. You already have it! Also, I truely beleive things happen less when you are prepared for them.

So just a thought to help you move toward a better 2010! Start to prepare yourself for the unexpected by expecting it!

Please feel free to contact me with any questions or thoughts.
staleyfinancial@gmail.com

Helping others by following my dreams

2009-12-16T11:33:00.000-08:00

I've always had a strong desire to help others in anyway that I can. I'm that person who stops on the highway to help you change a tire while my wife is sitting next to me reminding how dangerous it is! Recently I was challenged to think about my career choice. If I could have any job, what would I do? I gave it a lot of thought, here's what the thinking has lead to. As I already said, I love to help others, to point them in the right direction, to help them learn and to ultimately change their lives. I also have a strong belief that we as consumers are vastly mislead in their financial understandings. We live in such a credit driven, buy now pay later (if I have the money) society, that we've lost an understanding of money and how it works. We work so hard to make money, but we don't take the time to understand it and make it work for us after we get it.

With the country in the worst recession that most of us have ever seen, we are all worried to some extent about our finances. Last year most of us were worried about being able to get the newest toy before it sold out during the holiday season. This years question is were will I find money to buy presents and gifts for my loved ones. Retailers know people have less money, so the solution is simple. We'll give it to you today and you can pay us for it later. Financing is in full swing at most major retailers in an attempt to save the massive number of sales they are loosing every day. Let's think about this for a minute. A major part of what is causing the recession we are in now was bad lending practices from our banks. We were lending money to people who honestly couldn't afford to pay it back and now it's come back to bite us. So todays solution to loosing money because people have lost jobs or taken financial cuts in some way is to lend them money! Sounds like we're heading back to what got us here in the first place. Yes, there is a difference between a $250,000 mortgage loan that goes into default and a $2,000 loan for a TV that is defaulted on. And I know the restrictions are tighter on who is being given credit. But lets face it, we're saying we know you don't have a job and can't afford to buy this but we need your money, so take it and pay us for it in 6 months. Who knows if the consumer will have found a job by then? It seems to me we didn't really learn from our own mistakes the first time around. So hold on, because here we go again!

All of that to say, what I would do is help others understand their own financial situation. How their finances work, what they're doing, how they can improve, how they can make their money work for them. I've decided to get into the financial planning business with a strong desire to help others change their lives. I'm starting Staley Financial as an effort to help other realize financial freedom in their lives. To help others achieve their financial goals and dreams no matter what their current situation is. I'm starting by offering the basics, as I get more schooling, licenses, and other necessities I will offer more. I'm currently in the process of acquiring my Certified Financial Planners (CFP) Certificate and becoming a Registered Financial Planner (RFP).

Well, that is probably more than I've ever expressed about our economic situation since this recession started, but it is scary when you stop and think about it. If you have any questions or would like to know more about what I am offering feel free to post here or email me at staleyfinancial@gmail.com