You can do the same with your money by depositing it into accounts that pay compound interest. Here is how compound interest works and how it benefits you and your finances.

Let’s begin by looking at how basic interest works. Basic interest is paid on the amount deposit into your account. Even when interest is applied and the amount in your account grows, the interest is still only applied on the principal – the amount without the interest. You won’t earn a lot this way because you’re only earning interest on the principal amount.

It is much smarter to put your money in an account that pays compound interest. This is where you can really watch your money grow, and make more money from your initial deposit.

Compound interest is basically interest that is collected on the original amount you deposited plus the interest that has already been applied to that amount. So, whenever interest is applied, the amount of interest is added to the principal for the next time interest is applied. Unlike basic interest that is applied only to the principal, compound interest is applied to the entire amount in the account, not just the principal. The act of applying interest is also known as "compounding."

Your money can earn more in a compound interest account than in other types of accounts because you’re earning interest on a greater amount of money each time the interest is compounded. This is a very smart way to invest your money and watch it grow and even double.

You can find out how long it will take your money to double in a compound interest account by applying a very simple calculation. Take the interest rate you’re earning for your money and divide it into 72. For example, if you’re earning four percent interest, you would divide four into 72 and learn that it will take 18 years to double your money. If your money is in an account that pays six percent compound interest, it would take 12 years to double your money.

These examples illustrate how your money will be compounded on an annual basis. Some financial institutions will compound your interest on a more frequent basis, such as quarterly or monthly. Some even compound it daily.

Putting your money in an account that will earn compound interest is a wealth-generating secret you can’t afford to neglect. There is no easier way to increase your wealth than just letting your money sit there and watching it grow. 

Change your money mindset. How you think about money and wealth is the single most important factor that determines whether you’re wealthy or not. If you hold any wrong beliefs about money, or believe that you don’t have enough, that thinking can hold you back from ever becoming wealthy. Instead, recognize the power that your thoughts have over the money in your life and embrace it. A good book to read to help you change your mindset about money is Napoleon Hill’s Think and Grow Rich. This book explains how your way of thinking can make you wealthy, or keep you from experiencing the riches you desire.

Be optimistic about wealth. Money is important in our society. Not having enough can be a very scary thought. But instead of being fearful of money, be optimistic. Visualize yourself having enough money to pay your bills and enjoying the finer things in life. What would it feel like to have a certain dollar amount in your bank account? Focus on that image and keep it foremost in your mind.

When you are optimistic about wealth instead of afraid of not having enough, you will be on the path to overcoming adversity and creating wealth.

Be willing to take risks. Realize there is some risk involved in creating wealth, but that anything worth achieving is worth the risk. Some people never experience the fulfillment they crave because they’re afraid of failing. Failure isn’t something to be feared. Instead of procrastinating and being afraid of failing, plan your actions carefully so you will be prepared no matter what happens.

Take action. Take action where your money is concerned. If you’ve been waiting for wealth to come along and find you, it’s time to start taking action to create wealth instead. If you own a business, be prepared to work harder and offer better services. Take positive steps that will help you create wealth.
Invest your money wisely.  Make your money work for you. The wealthy don’t keep their money in savings accounts. To protect the money you have and ensure it continues to grow, it should be invested in a fund that’s well-balanced between safe investments and risks. This is how the wealthy use money to create more wealth.

When you develop the right mindset toward money, take smart actions, and manage your money wisely, you will become a person who creates wealth and stop being someone who is afraid of not having enough.

By Tawra Kellam http://www.LivingOnaDime.com/

    A clean neat house can add an additional $5,000- $10,000 to your asking price. Using this method we sold our house in 10 days.

    As soon as you find out that you are moving, start getting rid of things you don’t need or use any more. It is ridiculous to move things that are never used to another house. They will merely clutter your space as they did before. Get rid of all of it!!!

    To begin de-cluttering, start with one room or one cabinet at a time. Packing while carrying out your usual routine may make it easier. For example, pack the bathroom cabinet while the kids are in the tub or de-clutter a kitchen drawer while you are waiting for something to boil. You will be amazed how fast this method goes.

    Get rid of anything that is broken, old or that you just don’t like. Hold a garage sale, it not only eliminates things but can also provide a little cash. The goal is to eliminate clutter so don’t price your items to high! A good rule of thumb is 10%-25% of retail.

    As you go from room to room de-cluttering, organize using three boxes: one for garage sale items, one for things to give away and one for trash. When you take a break from organizing, keep the three boxes set up in the utility room or garage so that when you find something laying around you can toss it in the appropriate box.

    Keep an extra large trash can set up in the house. You won’t have to empty the trash as often.

CLEANING YOUR HOME TO SELL

Clutter is visually disturbing to potential buyers.

    On of the biggest reasons houses don’t sell is they are cluttered and/or dirty.

When you are trying to sell your house and you will be showing it to potential buyers, pack up things that you only use occasionally. Stack all your packed boxes in the garage or the corner of a room. This NOT the time to make your house comfortable for you, but attractive to sell.

    After you have de-cluttered, it is time to DEEP CLEAN.

KITCHEN – Clean the sink, stove and refrigerator. Don’t forget to clean the fronts of your cabinets. Wipe fingerprints off of everything, including walls and light switch plates. Remove as much as you can from the counter tops. Make sure that the space under your kitchen sink is clean because everyone always checks the plumbing under the sink. Sweep, mop the floor and empty the trash.

  BEDROOMS  Make beds, pick up clothes, clear off dressers, end tables and other furniture. Dust, vacuum and make sure closets are uncluttered, neat and clean.

    BATHROOM- Put away (meaning in a box or drawer out of site) all bathroom items including makeup, shampoos, baby toys and toiletries. Clean the sink, tub and toilet. One trick I learned while cleaning houses professionally was to take a soft cloth and dry everything well, to prevent water spots. It is especially important to shine the metal fixtures. Clean under the sink, empty the trash and wipe off light switch plates. Mop the floor. As in the kitchen, the less clutter you have, the better. Keep one nice set of towels handy that you can put out when you are showing the house.

    LIVING ROOM – Remove all unnecessary items that are laying around on the furniture including toys, magazines and newspapers. Remove all pictures and accessories that are not adding to the decor of the room, either pack them or garage sale them. Dust (don’t forget to dust the pictures on the walls) and vacuum.

    GARAGE- Don’t overlook the garage! Make sure things are neatly placed and sweep the floor. Place all items in boxes if you can. Neatly stacked boxes give a better impression than piles of stuff.

    Continue going through each room using the same basic ideas.

    If your carpets are dirty be sure to either rent a carpet cleaner or have them professionally cleaned. Seeing all kinds of carpet stains from kids is a <strong>big</strong> turn off to potential buyers.

    SHOWING YOUR HOUSE

    Keep a basket in each room so that you can quickly throw things in it when you have to show your home. This is particularly useful if you have children and you usually have toys on the floor. Hide the basket with a nice blanket.

    Don’t leave open trash cans sitting around.

    Turn lights on in every room including the garage. This will make the house show better.

    In a potpourri pot or pan, simmer some cinnamon with either or all of the following: ginger, nutmeg, or cloves. It is best to stay away from strong scented candles with berry, apple, peach or other similar smells because some people find these scents overpowering and unpleasant. Most people do however like the smell of cinnamon.

    IF YOUR HOUSE IS VACANT

    If you are leaving your home and it will be shown vacant, here are a couple of ideas to help make it show better.

    Take a few small terra cotta pots and fill with 2 or 3 stems of silk geraniums. (Geraniums aren’t necessarily my favorite flower but the bright red color works great for this purpose). Place them in several different corners of the house. A couple on the kitchen counter, one on the back of the toilet, or counter in the bathroom, a corner of the living room or on the mantle of the fireplace.

    Place a bouquet of real looking silk flowers and small bowl of potpourri in your entryway for people to see when they first walk in. First impressions are very important.

    Don’t get carried away by making the house look like a florist shop. It takes just a couple of splashes of color here and there to really warm up an empty house.

Tawra Kellam is the editor of http://www.LivingOnaDime.com/. Tawra and her husband paid off $20,000 debt in 5 years on $22,000 a year income.

Most folks these days have a facebook and twitter account. It is great for quick communication. It is also great for family announcements and letting a group of friends know what is going on. Some folks pay for extra friends or followers but if you ask me that is a waste of time. One thing I do see coming however though is the ability to make a few dollars on these sites. Every company big or small has some sort of advertising budget, and they are findig it very affective to spend it on social media communication. It is no different than the ads you already se and cannot avoid. you are not making money off of your friends. What you are doing is getting a piece of their advertising money that will be given to someone. I think that someone ought to be me and my friends .

The best place to start is with sponsored tweets, sign up for sponsored tweets. It is part of the Izea sites that have proven pretty effective.

If you are looking for a way to pick up a little extra spending money this is a great place to start.

• a truck toolbox for $5 that would easily sell for $35 or more
• a nice gas grill for $5 that would sell for at least $45
• a working lawn mower for $5 that would sell for $45
• a lazyboy recliner that was $2 in excellent condition, could sell for $50

Those were just a few, and as usual it takes money to make money, so you would have to invest a total of $17 to get all these items, but look at the potential profit. They could sell for a total of $175. Minus your investment of $17 leaves $158 profit. These items could easily sell for more but I just wanted to give a conservative amount that would sell fast. Of course there would be your gas, but if you were already going it wouldn’t matter. See how easy it could be? The one we went to also had tons of baby items and name brand clothes and those are very easy to resell, so there is a veritable fortune to be made. Skip past the sales where the items are priced too high and go right for the places that have bargains.

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Can you sit down and write something worth reading? Can you write 6000 words in an hour? If you are writing from your heart it will flow and 6000 words is no big deal. But if you re slower, can you do half as much? Or a quarter as much? It is really up to you. But if you can and then organize them into small blog posts of 100 words or more each you can get paid $1 + for each post at today.com. The more traffic you drive to it the more you make. They will give you the details. You get paid by the post and by how many folks visit. I can easily sit and write 60 posts in an hour. I just write and write and separate it into segments of 100 words or more in each paragraph. Then I post those paragraphs in advance for 1 each day. I also have a entrecard widget on the page which draws some traffic. I wasn’t really even trying to draw much to it at first but now that I see some dollars adding up I am getting inspired. They will only pay for one post a day, so this isn’t something you are going to get rich from. But if an extra $30 or more a month would help with stretch your budget it is something I find very easy. And like I said the more traffic you get the more you make. So it can easily be more. I can easily sit down a write two months or more worth of posts and then not do much more on it for another month. It adds up while I am not even looking. Works for me. And by the way I just wrote 516 words explaining this. This could be broken up into 5 paragraphs and posted for 5 days. Here is where you can find all of the details.
Get Paid To Blog At Today!

Especially this time of year, we are going to see ads everywhere. The companies behind those ads expect to pay someone for each and every ad you see. So I say us mommas should be getting some of that money. Mommas talking to mommas are probably the best form of promoting products or in some cases de-promoting products.

Did you know that nearly every time you click on a link anywhwere somebody makes an affiliate commision? So why shouldn’t it be us? If we make the money we spend it on things like caring for our families or spreading the gospel. If “other folks” make the money they might spend it on bad things like promoting yucky stuff. Read between the lines there, I am not gong to put that word on here. Every word on a bog is subject to search engines and if you want to attract a  wrong crowd, use wrong words, even if you use them in the right context.  

Remember as always, our motives must stay pure. My motive is to find newer and better things that help us serve our families for less. My motive is to bless my friends not take advantage of them.  My motive is to be the one to get the piece of the advertising budget the companies we shop with have already allotted to go to someone, someone might as well be me.

Ok, back to money for mommas. Here are some starters, I will be adding several to this list.

if you use twitter

follow me  ~ http://twitter.com/pennyraine

have you heard of magpie? looks good to me be-a-magpie
I would like to know what you think

if you are on facebook

add me Penny Raine

for your blog

I would love to be added to your blog roll and am looking to add to mine leave me a comment if you would like me to add you here http://pennyraine.com/blog

Pay Per Post is an excellent resource for bloggers, you blog about a chosen opportunity and 30 days later you get paid

I have a good opportunity for 10 bloggers of well established blogs giving free stuff away, you have to have your blog on your own domain and have at least 100 followers, email me 

momma Job Opportunites online

https://www.momforce.com

Has anybody tried CashCrate? You get paid monthly for participating in surveys and special offers. If you try it, only go for the ones you don’t have to pay to participate in, there are tons of free ones that pay you cash.  I just started this today (it comes recommended by Crystal Paine) but I am still getting paid faithfully from PayPerPost. Over $700 so far.  Tell me what is working for you.