Unofficial Cash Lenders (AKA the Loan Sharks), have always been a part of societies and slither their way into communities like venomous snakes. They very rarely provide a good service and are out to get as much as they can from those desperate enough to borrow from them. In recent years, the banks became the loan sharks of the business world, offering bad credit cash loans to anyone who'd take them. The

Saving 101

You might have remembered granny always piping on about how important it is to save money, and not just spend it. "You need to save for a rainy day" she would advise. Alas, such wise words fell on death ears of the 'spending society'. How may reading today wished they'd listened to granny back then?

Christmas 2012?

January is far too early to be talking about Christmas 2012, but it’s not too early to start planning ahead especially in present economic climate where money is somewhat scarce for many. So many people approach Christmas with less money than they hoped for and this usually means that festive debt is inevitable for young families.

By putting a little aside each month by way of a Christmas savings club is a really good way to invest at the start of the year for the years end.

Page Update: January 8, 2012

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Click here if want to start living the life you've always dreamed of from the comfort of your own home

Make Extra Money Quick! Will 2012 give more Opportunity?


With so much financial uncertainty looming ahead for this year 2012 and perhaps beyond, many people are now looking for alternative ways to generate extra income. Here's a tip not on how to make extra money, but to save you losing any money you might already have. AVOID those Make Money Quick and Easy schemes advertised all over the World Wide Web. Avoid them like the plague and don't become a victim to them.


There's nothing new about folks wanting to be able to make extra money quick, but the reality is that very few of us manage to generate that second income without putting in the hours and doing the work. I remember laughing once when I read that if the secret of financial success was through hard graft, then manual laborers would be rich. But most folks have to work and work hard. Now that doesn't mean it's not possible to make extra money quick, because it it, but it can rarely be done without some effort unless you're very lucky. Although it's necessary for some people, especially low income earners, to make extra money part time, it is still important to find a balance so that life is not just about work and paying the bills. It seems that modern society has become addicted to money, so much so that we have resorted to spending money that doesn't belong to us, aka the personal loans, and for what? So that we can buy more stuff, that's why! Anyone who's found this site when looking for ways to make extra cash really want to know how to get their hands on more money rather than ways to earn it. The problem with folks today is that everyone wants to make extra money quick as possible, not so that they can cover life's needs, but merely to satisfy their wants. Credit cards and bank loans gave us Quick Easy Money, but the problem was that is didn't belong to us! There is a saying that goes; 'All work and no play makes jack a dull bore!' And isn’t that true with so many of today's people as they half kill themselves at work just so that they can buy more stuff? That's stuff they want, not stuff they need. It's a harsh fact of modern living that far too many of us had got ourselves into a credit frenzy. Not so many of us looked at the implications of such heavy debt should the proverbial brown stuff hit the fan so to speak. Well it did, and most folks were not prepared for it and found ourselves with more debt than we could handle. Many have lost their jobs whereas many more are living in fear of losing their jobs. In addition to this, many employers are going to introduce the 'pay freeze' or even the 'pay cut' for 2012. Their argument is that it's either this or more job losses during these down times. Pay freezes, pay cuts, job losses! It hardly helps with all that acquired debt, does it! Now everyone is trying to make extra money quick so as to get ahead, and many more are taking on additional low work as they attempt to paid make extra money part time. All that borrowing just so that we could buy more 'stuff' hardly seems worth it now, but hopefully valuable lessons have been learned about the importance of personal money management. There's a lot of truth in that age old saying of all work and no play made Jack a dull bore. If the secret of a fulfilling life is balance, then not many workaholics are living life to the full, unless of course they are passionate about what they do. Alas, passion in the workplace is enjoyed but by a minority of employees. When it comes to money, we should be earning it, spending it, and saving (investing)! 1,2,3. If you spend everything you earn, and more, then once again, you have lost the balance. By all means, make extra money part time, but if that part time turns from a short term commitment to a long term occupation, then once again, you have lost your balance. So whether we realise it or not, societies the world over have become obsessed with money and shopping. Perhaps addicted to money is the actual term to use, because people go through all kinds of turmoil to get hold of it. Apparently, money, or lack of, has become the number one cause for rifts within the family, but the thing is that most of our cash flow problems don't come through real poverty, or escalating price increases, but more due to our own mismanagement with the stuff. If only folks were better able to satisfy their needs before their wants, then entire nations would be in much better financial shape than they are at present. Those who chase fortunes: Of 100 people who start with a plan today, 80 will drop out within 6 months. Of the 20 left, 16 will drop out within the next 6 months. Of the 4 left, only 1 will still be at it 6 months later. Be that 1.