If it helps you save money, open a bank account in Switzerland en.wikipedia.org/wiki/Swiss_bank#Law_and_regulation
A saving account far from the US may encourage you to keep the money in the bank and make it easier to pay cash for everything.

Buy the Best

Buy top quality merchandise that functions for years. Buying the bottom of the line means the product will fall apart sooner and it must be replaced often. Therefore top quality merchandise saves you money allowing you to pay cash for everything.

Avoid Expensive Dining

Is food tastier at expensive restaurants rather than at home? No. You pay for the atmosphere and decoration at those restaurants. Instead, change your home surroundings every week with common items you already own and skip the pricey dinners on the town. You save money that can be whisked into your savings account and you continue to pay cash for everything.

Shop at Auctions and Garage Sales

Reduce expenses by shopping at auctions, flea markets and garage sales. Prices tend to be low, quality is high and the extra money saved can be popped into a savings account. Spending less makes it easy to pay cash for everything.

Avoid Credit Card Rebates

Credit card rebates are a joke. You spend a lot and the rebate gives a tiny percent back to you. It always costs less to pay cash for everything.

Ignore Ads That Encourage Spending Money

I heard an ad on the radio today scaring people about the importance of knowing your credit score. Yeah, right. Credit scores are only for the benefit of lenders, not you. We are bombarded with fear from businesses and the media such as buy the latest fashions or get left behind. These messages keep us spending money on products we do not need. Ignore the ads and only purchase what helps you as a person. You spend less, your money increases and you can continue to pay cash for everything.

Watch Medical Costs Closely

If a family Doctor refers you to a specialist for a potential operation, ask the specialist how much an initial office visit costs. You do not want to find out that your insurance (you do have insurance, right) does not pay for the visit and you then must burn money to pay for it. Check the cost of every medical procedure before agreeing to any examination. Keeping medical expenses low increases your savings helping you to pay cash for everything.

Multiple Credit Cards

If you have more than one credit card and use them for different purposes, replace them with debit cards. This makes it less likely that you will use your credit cards making it easier to pay cash for everything.

Spending to Impress People

Does spending a lot of money impress other people? If someone must spend a lot of money to get others to be friends, that person is shallow and lacks self esteem, if you ask me. All that money spent to impress is better used on items that are needed and of course always pay cash for everything.

Improve Your Relationship With How To Spend Money

Take a close look at your expenses. For each payment, ask what do I get for this purchase? Try to eliminate one expense from your life. Next month, try to eliminate a second expense. This gives you more saved money bringing you closer to the day when you pay cash for everything.

Do Not Shop to Boost Self Esteem

I know people that shop to boost their self esteem. People who buy to feel better about themselves accomplish nothing. Work on self worth and then the desire to spend money disappears. Get involved. Volunteer. Paint. Join a club. Self esteem goes up, spending declines and there is enough money to pay cash for everything.

Keep Small Balances On Your Debit Card

Keep small balances in your PayPal debit card and a large balance in your savings account. Why? Because you will spend less money if your debit card has a low balance. It takes work to remove money from your savings account. It is just too easy to use up the money in a debit card since it functions exactly like a credit card when you make purchases. Keeping most of your money from a business in a savings account allows the balance to get larger quickly allowing you to pay cash for everything.

Eliminate Unneeded Expenses

Another way to increase your income is stop wasting money on sports and culture. Rather than spending $50.00 to hear a band in concert, buy the CD for $12.00. Even better, listen to a few songs on a Web site. Save even more money by canceling your Internet service provider and using a library's computer for free. We waste too much time online, anyway. Listen to that band free on the radio. Consequently you spend less money enabling you to pay cash for everything.

More Thoughts About Credit Cards

Do not allow any exceptions to using credit cards. Why? Because one exception leads to another and two months later those ugly interest charges appear on your credit card statement. Even ninety days same as cash is a form of credit because those high interest rates start on the 91st day. Don't tell me you will have the balance paid off in 90 days. What if the money does not materialize before 90 days? Then you are smacked with those high interest rates and it makes it harder to pay cash for everything.

Eliminate Interest Rate Charges

Take some income earned from your business and pay off debts. If you have credit card balances, eliminate them quickly. Ditto mortgages. Why work hard each week and then burn money on interest rate charges? The credit card and mortgage companies take unfair advantage of us by slapping high interest rate charges on everyone. Stop the bleeding. Pay cash for everything.

Open a PayPal Account

Another form of savings account worth opening is PayPal. Besides a debit card, many companies use PayPal to send payments. About 3/4 of my auction winners on eBay use PayPal
to send me money. PayPal is another step to pay cash for everything.

Open a Savings Account

Eventually somebody will buy something from your business ventures. After you get paid, open a savings account that does not charge any fees and deposit every dime from your business into the bank. This extra money made from your company plus interest on the account accumulates in the bank. After a while you have enough money in your account to pay cash for everything.

Start A Business

Increase your income by operating a business or two in your spare time. Consider these low cost, simple businesses to increase your net worth.

1. Wash windows. Do not laugh. Demand is high for a competent window cleaner. Find out how to start a window washing company at www.dcs1.com/window/
2. Run a personal errand service. www.startupnation.com/blog/entry.asp?ENTRY_ID=252
3. Dust off your digital camera, take marketable photos and sell the images for extra cash.
www.photosecrets.com/sell.html provides a free tutorial.
4.Sell that junk in the basement on eBay! www.ebay.com

If you have questions about a business you are considering, ask me. I know a lot about running a company since I fix people's computer problems and sell on eBay.

Do anything that quickly earns extra dollars to pay cash for everything.

Greetings and Welcome!

"I can't afford that." I hear this often. It is sad that folks suffer from too many expenses and not enough income. The mission of this blog is to provide tips on increasing your income, decreasing your expenses and then pay cash for everything.