Your business money management future hangs in the balance. There are few political events in our lifetime that have the potential for greater impact on the U.S. economy and your business economy than the upcoming elections.

When the election dust settles on November 2nd, two scenarios are possible:

Scenario A: Our leaders in Washington are emboldened by the election results and eager to raise taxes on businesses, spend even more on economic stimulus, housing market bailouts and other government mandated programs,

Or …

Scenario B: They are thrown out of office or further chastened by voters who are fed up with the recent explosion in government deficits and debts.

In just 37 days from today, you will have the opportunity to impact which of these scenarios will actually occur,, and what the impact will be on the financial future of your business, and all the other businesses across America that shoulder the burden of funding our U.S. economy.

Please vote responsibly; your

business money management

future is at stake.

Blogging is becoming the fastest way to market a business on the internet, and it is huge. Unlike advertising, blogs create instant credibility because readers know that a blog usually has quality content that is newsworthy, so they trust the content.

With all the hard work you put into a blog to insure the content is high quality, you should be financially rewarded for your efforts. But according to David Risley, a six figure income blogger, most bloggers make barely enough to buy a cup of coffee.

David decided to change that situation by sharing his Six Figure Blogger Blueprint Manual with selected people. The good news is that I have his permission to share it with my readers AT NO CHARGE –

You can claim your free copy of this manual by clicking here.

But you better hurry because what I don’t know is how long he’ll allow this link offer to stay “live” and when he says it is going to be turned off, he means it. David only turns the offer on for short periods of time a few times a year.

Click this link right now to claim your copy, and use it to monetize your blog. Residual income is a great way to make money, and you can do that by marketing your blog. Let David show you how.

Here is what David says his manual teaches you:

” …The REAL way to generate six-figure level income from a blog …The 3 vital questions to help you pick a profitable market for your blog …4 tactics for increasing your blogging production even though it seems like you “don’t have time” …The exact layout of your six figure, traffic sucking empire. …The exact reasons why most bloggers fail to make money (and how you can avoid it). …The exact steps to launch a brand new blog – the RIGHT way!” So go ahead, get this free manual, you have nothing to lose and much to gain. Happy Blogging!

Ever gotten that feeling of anger and despair when you thought of working out a budget? Then the odds are good you’ve never looked up the word in a good dictionary to find out what this word really means, and thought about how you can use that to your business’s financial advantage.

Want some really good News? Running your business on a budget does not entail cutting back on the quality of the things you buy or denying your company anything it needs to operate. What it does mean, is that you have to figure out how to make enough money to afford the items your company has to have and to keep your spending within the limits of your income.

There’s more good news! The most valuable asset you have is you and your staff, and your income earning potential. If you want more money to spend, then figure out ways you and your staff can be more productive to bring in more money.

Another definition you need know is this: a BUDGET is the amount of money required for the business to operate, and to attain its financial goals.

Let’s consider the first part of the definition; how much is needed for you and your company to run. Add up all the money you spent in the past year to see how much money went out the door including what you put on credit cards plus interest. Divide the total by 52 weeks, and multiply it by 1.136. The result is what your weekly budget is. That is the amount of income your business has to bring in just to function plus barely keep up with increases in the cost of doing business. That doesn’t include paying compund interest on credit card debt.

More than likely, you have financial goals you also want your company to attain; That’s the second part of the definition. Reaching those goals must get added to your budget as well.

Here is an example: a company owner wants to purchase new office furniture 6 months from now that costs $2,000. They divide the cost of the furniture by the 26 weeks they have before the target purchase date and learn they have to set aside $76.92 every week to have the cash for the furniture. This gets added to the budget, meaning the additional amount of income they have to put into the bank every week.

Most importantly, if you, the company owner, want to attain the goal of financial freedom – working because you WANT TO instead of because you HAVE TO — then the most important part of the budget needs to be the wealth building cash you set aside in a savings plan and never touch.

Figure out how much money you would have to have in savings to live without working. Divide that dollar amount by the number of weeks until the time you would like to be financially free. Figure out how to make that much more income each week, and your budget is on the correct path to achieving financial freedom.

How badly do you want to be a millionaire in 20 years? Figure out a way to increase the company’s income enough to stash away $961.54 a week in savings for the next 1,040 weeks and you have made it to being a millionaire! The additional interest earnings on top of that will be a a nice add on perk that more than keeps up with the rise in the cost of living every year.

Today, with computers in every organization proper budgeting is accomplished much more efficiently than ever before by using Money Management Software, such as shown in this video. This software can work as a companion to your accounting software for really easy day-to-day operation.

Sandra Simmons, President of Money Management Solutions, Inc. specializes in helping business owners and individuals manage their money to achieve financial freedom. Claim your FREE Debt Reduction Solutions Guide

© 2008 Sandra S. Simmons. All Rights Reserved.

If you are like most people, you severely UNDER-estimate what the holiday gift list is going to cost. Here are some time-tested tips to help you not overspend on gift giving.

The biggest money management mistake you can make is to start out on your holiday shopping trips with NO GIFT PLAN and NO SPENDING PLAN. That usually causes spending to double and you end up a Grouchy Grinch after the holiday when you have to pay the bills or you are short on money.

1 – Decide what your total spending budget is for gifts. Hopefully you have stashed some money away for this ahead of time and don’t have to use credit cards you can’t pay off immediately. Add some to the budget to cover gift wrap, sales tax and shipping to out of town recipients.

2 – Make a list of everyone you have to buy gifts for. In large families, draw names so you don’t have to buy everyone a gift, that way your budget goes further and you can get nicer gifts for fewer people. Don’t forget the kids’ teachers, your beautician and the mailman if you usually get them something.

3 – Next to each person’s name write down the amount you want to spend. Add these up and make adjustments so you don’t OVER-spend on your plan.

4 – For each person, write down a list of gift ideas that can be purchased within the gift limit. Make a list of stores where you can shop to get a great selection of that item at great prices. The more ideas you have for each person, the more likely you are to find a great gift that is within the price limit.

5 – Consolidate your shopping trips to the places on the list and shop well in advance so you get the best selection. Even if you don’t usually read the newspaper, at least get the Sunday editions starting the week before Thanksgiving. That way you can see the sales at your targeted shopping destinations, get some great discount coupons and get some gift ideas for those hard-to-shop-for family members and friends.

6 – For long distance gift giving, consider gift certificates so the person can pick out what they actually want. Restaurant gift certificates are great for women who will be tired of cooking during the Holiday and will really appreciate a relaxing meal that someone else had to shop for, cook and clean up after.

7 – As you find the gift items and decide to buy, scratch the person off the list as a DONE so you won’t be tempted to buy more.

8 – Shop for the recipient. A well thought out gift that the person will truly use is better than a designer label anything that they wouldn’t think of wearing or using, no matter how much of a bargain it was. Gift Ideas with Flair

Make the box or container a part of the gift. Forget the gift wrap and shop for unique containers that can become part of the gift and used later. If you buy someone a scarf and one other item, wrap the item artfully in the scarf and tie on a nice ribbon bow.

A gift of homemade cookies in a nice container to keep them in can be a much appreciated gift for about $11; especially for a single guy who never cooks.

Buying someone a book or book store gift certificate? Find a unique container and include something to enjoy with the book like a selection of tea and organic chocolates; A nice gift for about $35.

A pound of organic coffee, a bar of organic chocolate and a great music CD can be boxed up for under $30.

P.S. – Our business money management software and books make great gifts for those entrpreneurs and business owners on your list!

Sandra Simmons, President of Money Management Solutions helps business owners and individuals manage their money to achieve their financial goals. Visit her website at www.MoneyMgmtSolutions.com

© 2007 Sandra S. Simmons. All Rights Reserved.