http://www.artipot.com/authors/13654/ann-marosy/ Latest articles by Ann Marosy from Artipot - your one-stop resource for free articles. http://www.artipot.com/articles/265633/most-important-rules-of-money-management.htm The lack of money is often not our problem, it is the way we spend it. Wealthy people tend to spend money on things that increase in value or provide them with a return on their investment. People who are not wealthy spend the bulk of their money on items that perish, depreciate or have no return on their investment. Mon, 12 Jan 2009 16:21:03 +0000 http://www.artipot.com/articles/265633/most-important-rules-of-money-management.htm http://www.artipot.com/articles/261651/financial-freedom-3-things-you-must-do-3-things-you-must-avoid-to-achieve-it.htm Achieving financial freedom is not as difficult as you imagine - however, there are THREE absolute things you must do and avoid to achieve it. If you write these down, paste them somewhere you can see everyday and then follow through, financial freedom is yours to have and enjoy! Mon, 05 Jan 2009 23:27:34 +0000 http://www.artipot.com/articles/261651/financial-freedom-3-things-you-must-do-3-things-you-must-avoid-to-achieve-it.htm http://www.artipot.com/articles/199985/the-7-keys-to-get-out-of-financial-crisis.htm Financial Crisis is characterised by a problematic financial position where all you seem to be doing is going from one financial problem to the next. Finances are tough. You are barely surviving from payday to payday. There is a strong sense of scarcity; there never seems to be enough and there doesn't seem to be any way out. Wed, 10 Sep 2008 22:04:09 +0000 http://www.artipot.com/articles/199985/the-7-keys-to-get-out-of-financial-crisis.htm http://www.artipot.com/articles/199983/how-to-fix-your-bad-spending-habits.htm Bad spending habits is often the underlying cause that prevents most people from becoming financially free. However, the good news is: you can prevent this. Wed, 10 Sep 2008 22:01:27 +0000 http://www.artipot.com/articles/199983/how-to-fix-your-bad-spending-habits.htm http://www.artipot.com/articles/199982/why-planning-budgeting-is-critical-to-becoming-financially-free.htm I would like to introduce you to the real meaning of budgeting. Forget about the concept of restriction and restraint often associated with household budgets and start thinking about your finances in the same way that good businesses do. Wed, 10 Sep 2008 21:58:08 +0000 http://www.artipot.com/articles/199982/why-planning-budgeting-is-critical-to-becoming-financially-free.htm http://www.artipot.com/articles/199981/how-to-create-a-goal-chart-as-your-law-of-attraction-magnet.htm Over the years I have extensively studied and used goal setting techniques and found that there are a few simple rules that help to make them work. Wed, 10 Sep 2008 21:57:02 +0000 http://www.artipot.com/articles/199981/how-to-create-a-goal-chart-as-your-law-of-attraction-magnet.htm http://www.artipot.com/articles/199980/how-to-improve-your-writing-skills.htm Recently, several people have asked me various questions about how to improve their writing. I love writing and I encourage anyone who wants to write to try. Many of you have amazing stories, valuable information to pass on to others, or dormant imaginations yet to be awakened. Wed, 10 Sep 2008 21:56:49 +0000 http://www.artipot.com/articles/199980/how-to-improve-your-writing-skills.htm http://www.artipot.com/articles/199979/financial-freedom-things-you-must-do-avoid-to-achieve-it.htm Achieving financial freedom is not as difficult as you imagine - however, there are 3 absolute things you must DO and 3 absolute things you must AVOID to achieve it. If you write these down, paste them somewhere you can see everyday and then follow through, financial freedom is yours to have and enjoy! Wed, 10 Sep 2008 21:56:47 +0000 http://www.artipot.com/articles/199979/financial-freedom-things-you-must-do-avoid-to-achieve-it.htm http://www.artipot.com/articles/199962/what-are-the-critical-elements-of-a-good-money-management-program.htm A good money management program is successful if it's able to break a long and complex journey into manageable stages. People need to see progress, and it needs to be measurable. Wed, 10 Sep 2008 21:30:33 +0000 http://www.artipot.com/articles/199962/what-are-the-critical-elements-of-a-good-money-management-program.htm http://www.artipot.com/articles/197370/who-killed-heath-ledger-the-real-truth-behind-the-drugs.htm The City of New York's Report concluded that Heath Ledger's cause of death was the result of acute intoxication by the lethal combination of prescription drugs such as narcotic analgesics and sleeping aids. However, the medical community have ignored the real underlying prescription drug class that often leads to habitual drug dependency with dangerous lethal consequences. Fri, 05 Sep 2008 20:58:32 +0000 http://www.artipot.com/articles/197370/who-killed-heath-ledger-the-real-truth-behind-the-drugs.htm http://www.artipot.com/articles/195709/how-to-make-a-commitment-to-eliminate-your-debt-that-works.htm By making a commitment to eliminate your debt, you are taking the first giant leap towards becoming financially free. Imagine the wonderful feeling of total financial freedom. No debts, no financial worries, and best of all not being tied to a job you don't like just to pay the bills. Research has proven that it takes three things to accomplish anything: Passion, Motivation... Wed, 03 Sep 2008 11:32:40 +0000 http://www.artipot.com/articles/195709/how-to-make-a-commitment-to-eliminate-your-debt-that-works.htm http://www.artipot.com/articles/195536/what-are-the-natural-stages-for-creating-financial-freedom.htm There are typically 6 stages in the development of any endeavour. Successful businesses follow this - and they can easily be converted into personal finance terms. In fact, running your personal finances like a mini business will ensure your way to creating lasting financial freedom. Wed, 03 Sep 2008 05:18:02 +0000 http://www.artipot.com/articles/195536/what-are-the-natural-stages-for-creating-financial-freedom.htm http://www.artipot.com/articles/195179/financial-advisors-how-do-you-know-if-you-are-getting-good-advice.htm "How do you know if you are getting good advice from your Financial Planner?" This is one of the main questions that is often asked by my clients and readers. Here are a few tips. Tue, 02 Sep 2008 19:19:27 +0000 http://www.artipot.com/articles/195179/financial-advisors-how-do-you-know-if-you-are-getting-good-advice.htm http://www.artipot.com/articles/195165/safe-investing-where-to-start.htm It is great that many people are now searching for good financial advice. With past generations, the typical financial advice passed down from parents to children was: buy a home, pay it off as quickly as possible and then - if you are really good at managing your money - buy an investment property. So what are the basics of sound, practical and realistic investing? Tue, 02 Sep 2008 19:01:38 +0000 http://www.artipot.com/articles/195165/safe-investing-where-to-start.htm http://www.artipot.com/articles/195151/why-is-saving-so-important.htm The truth is: savings will give you more money in the long run. If you want to become wealthy you must start thinking long-term not short-term. Generally, most people waste more than 10% of their income every week on things they don't really need. By eliminating wastage and extravagance from our lives, we can find that extra 10% to save. Tue, 02 Sep 2008 18:42:13 +0000 http://www.artipot.com/articles/195151/why-is-saving-so-important.htm http://www.artipot.com/articles/193516/if-you-want-to-become-wealthy-play-win-win.htm A few years ago, I designed a game to teach people how to master wealth creation. For this, I used the basic Monopoly game but changed the rules somewhat to create a situation that follows the six stages of the Money Program. Fri, 29 Aug 2008 20:46:57 +0000 http://www.artipot.com/articles/193516/if-you-want-to-become-wealthy-play-win-win.htm http://www.artipot.com/articles/192434/why-goals-fail-new-research.htm There are two reasons why goals fail or we give up trying to achieve a specific goal. When I first learnt this, I knew I finally found the Holy Grail of goal achievement. Thu, 28 Aug 2008 02:51:43 +0000 http://www.artipot.com/articles/192434/why-goals-fail-new-research.htm http://www.artipot.com/articles/192428/95-of-businesses-fail-dont-let-yours-be-one-of-them.htm "Up to ninety per cent of businesses fail in their first five years of operation" The first time I heard this was many years ago during an accounting seminar. At that time, it sounded rather unbelievable; however, I now believe those statistics are true and probably higher or occur within shorter time spans, especially during times of global economic stress. Thu, 28 Aug 2008 02:37:31 +0000 http://www.artipot.com/articles/192428/95-of-businesses-fail-dont-let-yours-be-one-of-them.htm http://www.artipot.com/articles/192414/women-beware-of-doctors-over-prescribing-drugs.htm I recall the wisdom of a friend who once said, "Educate the mother and you educate the family". He was speaking of higher values at the time, but those words ring ominously in my mind now. Was the Rolling Stones' 1960s hit "Mother's Little Helper" a warning we didn't heed? Thu, 28 Aug 2008 02:10:28 +0000 http://www.artipot.com/articles/192414/women-beware-of-doctors-over-prescribing-drugs.htm http://www.artipot.com/articles/192407/money-the-law-of-attraction.htm Nature is magnificently abundant; rich in color, growth and expansion. There is no scarcity on this planet, except that which exists in our minds Thu, 28 Aug 2008 02:02:52 +0000 http://www.artipot.com/articles/192407/money-the-law-of-attraction.htm http://www.artipot.com/articles/192069/business-success-learn-from-the-worlds-oldest-fortune-500-company.htm For those who don't know, the Jardine Matheson Group is one of the most legendary business stories of the nineteenth and twentieth centuries. What is the secret of their success? Wed, 27 Aug 2008 15:51:17 +0000 http://www.artipot.com/articles/192069/business-success-learn-from-the-worlds-oldest-fortune-500-company.htm http://www.artipot.com/articles/191474/how-to-create-more-income.htm Very few of us focus on increasing our income in hard times, which is exactly what we should do. Creating more income is also a more positive approach than merely cutting back our spending. Tue, 26 Aug 2008 18:42:12 +0000 http://www.artipot.com/articles/191474/how-to-create-more-income.htm http://www.artipot.com/articles/189692/how-to-live-within-your-means.htm There is a simple, effective formula that everyone can apply to easily manage their finances. I call this the 40%-30%-20%-10% rule. This formula is used to measure your expenditure and cash outflows. You divide your expenditure into four categories and calculate the total of each category as a percentage of your net (after tax) income. Sat, 23 Aug 2008 01:31:46 +0000 http://www.artipot.com/articles/189692/how-to-live-within-your-means.htm http://www.artipot.com/articles/189126/rules-for-investing-how-to-build-a-portfolio-of-safe-secure-investments.htm In order to invest wisely, you need to have a suitable investment plan that will ensure the appropriate amount of growth for you. Your investments will also need to be safe and easy to manage. Fri, 22 Aug 2008 03:34:55 +0000 http://www.artipot.com/articles/189126/rules-for-investing-how-to-build-a-portfolio-of-safe-secure-investments.htm http://www.artipot.com/articles/189077/know-your-finances-the-1st-step-towards-financial-freedom.htm One of the greatest mistakes you can make in managing money is not knowing where your money is going. About 90% of people who come to see me do not know exactly how they spend their money. Some may have small notebooks where they scrawl their monthly accounts but when they start to put everything down on paper, they are always surprised, if not shocked, to see the real state... Fri, 22 Aug 2008 02:08:25 +0000 http://www.artipot.com/articles/189077/know-your-finances-the-1st-step-towards-financial-freedom.htm http://www.artipot.com/articles/189074/making-money-it-is-all-in-your-mind.htm Making money is 90% thought and 10% know-how. When I work with clients, I find the first major hurdle to overcome is their belief system governing money. Fri, 22 Aug 2008 01:59:40 +0000 http://www.artipot.com/articles/189074/making-money-it-is-all-in-your-mind.htm http://www.artipot.com/articles/188341/one-of-the-most-important-rules-of-money-management.htm The lack of money is often not our problem, it is the way we spend it. Wealthy people tend to spend money on things that increase in value or provide them with a return on their investment. People who are not wealthy spend the bulk of their money on items that perish, depreciate or have no return on their investment. Thu, 21 Aug 2008 04:27:43 +0000 http://www.artipot.com/articles/188341/one-of-the-most-important-rules-of-money-management.htm