Archive for April 15th, 2009|Daily archive page


In Uncategorized on April 15, 2009 at 17:23

12 Smart Steps to Prepare for An Uncertain Financial Future 

By Al Herter 

Notice: These smart steps can alter your life and your future outcomes—especially by following them again and again, which will put some traction in your action. 

  1. Think simple living. Quakers as the standard. Want what you have. Do what you can. Be who you are. Count your blessings.
  2. For a month, keep track of every penny you spend in a small notebook (but don’t go out and buy one). Review each bill you pay or have paid. Need all those cable channels? The lattes? The smokes? The cleaners? The maid twice a week.
  3. Mend clothes, darn socks, turn off lights, re-heat leftovers. Think small, cheap, and affordable.


  1. Sell anything you don’t use, want, need, or are just storing for posterity, for the children, or for a rainy day. Get onto Craigslist and sell all that extra stuff you have and don’t use. It declutters and puts money in your pocket.


  1. Look for other revenue centers that you can profit from, such as rent out a small room as an office for someone who will use it; or rent out the garage or even the basement for storage.


  1. Explore how you can rent or exchange apartments rather than use hotels.


  1. Health is number one on my list. Eat better. Eat less. Take yoga, walks, bike rides.


  1. Plant a veggie garden. It saves money and is better for you—and may even be something you can sell to others and/or barter with them. You do tomatoes, and the neighbors do corn/beans/squash. You share the tools, knowledge and harvest. Not only will your garden grow, but so will your neighborly community.


    Start to get the drift that the landscape has changed dramatically? 

  1. Cook and entertain at home. Invite others over for potlucks. They’re cheaper, easier nicer and more fun!


  1. Walk, use public transit, use your bike, car pool, or any combination thereof (but not all at once, of course).


  1. Be preventative with your health through diet, exercise and relax. When necessary, use generic drugs.


  1. Breathe, relax and enjoy life! You’ve only got this very moment to live it to the fullest—and that’s one thing that is for certain!