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      "body": "<html>\n<p><img src=\"https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcTvsx159SVoFx5Hh_MFVJ5hw0X0p3CvxJCu-KJKDXlEPwq-mva6\" width=\"284\" height=\"177\"/></p>\n<p>Today it's more important than ever to get your finances in order. A very important step in the right direction is to get your Credit Card balances in order. &nbsp;A structured, disciplined approach can help you get out of credit card debt whether your balance is $3,000 or $25,000. Follow these steps to get this debt reduced as quickly as possible.&nbsp;</p>\n<p>1) Take an Inventory! &nbsp;Write down the balance and the interest rate &nbsp;on every card you have.&nbsp;</p>\n<p>2) Ask for a Rate Reduction! &nbsp;The quickest way to save big on your credit card bills is to negotiate a lower interest rate. If you can reduce the rate &nbsp;point or two, you can save hundreds as you pay off your debt. A simple phone call to each Credit Card may be all it takes. While your credit score plays an important part in whether or not you get a rate cut, it's not the only factor. If possible, reduce the balance to less that 40% of the limit on a card, before you call and ask for the rate reduction. This will also help your Credit Score. Call each Card and ask for a rate reduction. You have nothing to lose.</p>\n<p>3) Look for 0% Cards ! There are many Cards with 0% for the first 12 to 15 months .</p>\n<p><strong>http://www.comparecards.com/low-interest?</strong></p>\n<p>Starting with your highest rate cards first, transfer the balances to 0% cards. It is often free to do this.&nbsp;</p>\n<p>4) Get your useage of you cards under control! Put them away in a safe place and use them only for emergencies. If you have some sort of Rewards Card, use it <strong>ONLY if you pay it to a ZERO Balance every Month.</strong></p>\n<p>5) Set Goals to pay off the balance/s of your Cards. For example: $500 per month, pay as much as you can afford. Set yourself a reward for achieving your goal of paying off your Cards. Perhaps it's having the money to start a business or making the Down Payment on a house. Have something to look forward to when you accomplish your goal.</p>\n<p>6) Track your progress! Use a simple spreadsheet or a notebook to record your progress every month.</p>\n<p>I hope you find this useful!</p>\n<p>Charles Murphy</p>\n<p><br></p>\n</html>",
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      "body": "<html>\n<p>Do you find yourself running out of money before the end of the month? Do you just never seem to get ahead financially ? Here are some simple steps that you can take right now to get your finances under control.</p>\n<p><br></p>\n<p>1) Pay yourself first! Each payday, put at least 10% (20% is even better) of your gross earnings away in some sort of investment. Use an investment that will grow in value over time. Many people have become wealthy from the power of \"Compounding Interest\". &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p>\n<p>https://financialmentor.com/calculator/compound-interest-calculator&nbsp;</p>\n<p>If you have more than $100 per month you may want to seek the advice of a \"Investment Professional\".</p>\n<p>2) Get control of your spending! Do you have a Monthly Budget? Sit down and make a list of all your spending for the month. I use a Debit Card for almost all purchases, this makes it very easy to have records. Take a close look at where your Money is going and get it under control. How many Starbuck's did you have this month? etc... Just being aware of your spending will get you on the right path.</p>\n<p>http://www.huffingtonpost.com/bob-lotich/5-household-budget-templa_b_5696244.html</p>\n<p>3) Stop buying useless CRAP! Every time you are going to make a purchase of anything (including food items) ask yourself: \"How will this purchase bring value to or enhance my life?\"</p>\n<p>4) Get rid of useless STUFF ! Check the Garage, the basement, the closets, the storage unit etc. If you have not used it in 3 months you don't need it! With the possible exception of winter clothes in summer etc. Take a load to the Flea Market. I don't know how many times over the years I have loaded the car on Friday nite, and gone to the Flea Market at 6:00 AM on Saturday. I always came home with $300 to $400 cash money, sometimes more. If it doesn't sell while I'm there, it goes to the Good Will or the dumpster on the way home. Negotiating prices for things is really fun !</p>\n<p>5) Multiply your Income! How do you think the Rich get the way they are? After their basic survival expenses, they put their money into investments or Assets that create income. This is another way they pay themselves first. They may have Rental Property or Stocks that pay Dividends to them every month. At first they reinvest all the income they receive from the investments into more investments. Over time they are able raise their standard of living from their investment income.</p>\n<p>6) Start a Business! This is the single biggest way to get your Income to the next level ! With the Internet it is easier than ever to get started in your own business that you can do in a few hours per week. More on that subject in another post.</p>\n<p>I hope you have found this article useful. :-)</p>\n<p>Charles Murphy</p>\n<p><br></p>\n</html>",
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