Fastest money earning - easiest way to increase available money. Learn guaranteed methods to increase available funds without having to work harder or longer hours.

Early in my life I learned one of the most successful methods to have more funds available without having to work much harder or much longer. That was a most welcomed skill and most helpful in most of my life. For the simple reason as I had no additional time left to work longer hours - my working day was nearly day and night, 7/365 since my teenage years and all decades beyond. The method helped me all my life to succeed in anything I started. Whatever business or job or life-adventure you start, you alway need money to pay the extra new bills from expenses, education, promotion, tools, skills to be learned, etc.

It's simple and yet most simply never thought about or worst in many large cultures no one ever has lived that method to be the growing up children a living example!

The fastest earned money

The fastest earned money is money you save by dropping entire expenses of a particular kind! Many grow up in a society of abundance, hence saving or reducing expenses never occurred to them for years, decades or an entire life. Just as it happens now these days in USA and many other parts of the world struggling economic crises, suddenly money is lost, savings in bank accounts are lost, investments are lost, shares are devaluating down to near zero, ... until the point where your style of life no longer is affordable. If you have never learned to cut expenses, to drop entire expense categories out of your life, then you may never have thought of having one sum of money available and still living peacefully and happily simply by making major changes in your spending.

I grew up in post world war 2 years in a family with nearly no education, no savings, tiny income and no one rich in the entire family - but my parents were rich in readiness to work hard and nearly day and night to make it. As poor family, no matter how hard you work, the money never is enough for a comfortable decent living if you want to enjoy all the luxury items others do. But if you focus on the really important in life, then even a small income is enough to be happy and still have some savings needed for future progress. Without savings = NO investment into your future = NO progress! Hence no matter how little you earn, you need to save some money to have funds for your own vocational training and additional selfstudy needed to improve your situation of life. Hence you need to find a way to live happily with all your family and to progress at the same time all family together!

To save or cut your spending you need to know where the money is going and how much

You really need to have some accounting of all your life, all expenses of life, all professional expenses. There is no way to succeed in life without knowing how much you spend and where you spend your money! If your life is under your fullest control, then this accounting is done in detail in your mind. If your life is a mess, then you should sit down and write your accounting on a piece of paper.

If you were lucky to be forced by law to a complete accounting system of all in and out going amounts, then you have the data and knowledge to make your decisions. Else you have to learn the most basic accounting principles to enable yourself to basic money flow tracking before making your decisions on investment and spending. Even without having a business, just a single person household or simple family, you still need your basic accounting and money management skills.

During earlier decades as a contractor for US military, I had weekly US soldiers participating in my SCUBA diving programs as part of their recreational training. I soon realized that among US citizens even the most basic money handling skills are missing. Most - except some officers - run out of money a few days before their biweekly paydays. Most spend unreasonable amounts during the days following their paydays. The went on a several days lasting "$-diet" to run soon out of $ again well before their next payday. No one was able to budget the amount for the 15 days to come after a payday. That is poor education !! Poor education welcomed by the credit card business and by the government as well. The more you spend, the more interest rate you owe, the more profits all others are making FROM your stupidity!!! The government benefits from such financial stupidity by knowing you enslaved within the money system / economy / industry and thus knowing you enforced to keep on working no matter what kind of job you have to do. People in debts usually are so much under pressure that they have no space for decisions based on their heart or conscience.

Let's assume you have little or no bookkeeping experience. Hence you have to follow a few common guidelines I will list below to have full control of your money. From where is your money coming and where do you spend your money. These are the 2 major key-factors you need to be able to verify based on your real life data.

Your greatest expenses - where does the money leak out

Below you see typical expense areas of most modern persons. Some may apply to you, some other expenses unlisted below may apply. Looking at what I mean by knowing where your money goes, you get a precise idea what to look for and will be able to control your money flow.

1. Car - car costs include annual loss of value, annual insurance, annual repair - the older a car the higher that maintenance cost usually become, annual fuel cost, annual car tires, oil changes, car wash, maintenance.
2. Apartment / housing rent. Heating or aircon, electricity, waste/sewage fees, housekeeping, repair and maintenance. How many rooms do you rent? How many rooms do you actually use / need ?
3. Insurance. All people will die eventually. Hence there is a huge insurance industry living from your fear of death. When it's time to die - you shall die no matter what insurance you have. When you live in a irresponsible way, do stupid things, then you create painful accidents with or without insurance. Hence most of all insurance cost you thousands of US$ per year and bring you no real benefits at all. Contrary, insurance coverage for every stupidity you may be able to commit most likely leads to an increased readiness to avoid wise decisions, and to jump headless into stupid business or private life situations costing you a fortune of money and life time in addition to all damage paid by insurance. The best of all insurance is love and the maturity to live wisely by avoiding any risky activities!
4. Hobbies and leisure / recreational activities. Club memberships, etc. Happy life has nothing to do with membership in expensive clubs or participation in expensive activities such as golf, tennis or SCUBA diving unless you have abundance of money and really can afford such activities without having to cut down your own charity and social welfare support of society!
5. Medical expenses and health care. To become ill costs money and lots of time activing brainlessly. The cheapest healthcare is careful choice of healthy, natural organic food, healthy style of living in a truly natural and simple environment as well as a job amidst a natural environment surrounded by loving and caring people. Love can heal, love above all and far more importantly can prevent illness! If you conduct a loving life and chose loving people, friends and partners in your life, then you make an active and positive decision FOR a life free of any troublemaker. A life free of stress but filled with love always shall be blessed by health and wellbeing - thus making healthcare and medicare free of charge and pleasant.
6. Bank credits, loans, mortgages, credit card overcharging. Interest rates on all money borrowed by any means from commercial money sources usually are in the range of 10-20%. Hence spending more money than you earn can and will cost you eventually all possible savings and thus will cost you finally your entire future, your entire life!
7. Travel to your job. While most people use their own car to go to work, few only think about whether or not they actually need a car to go to work. Many also could go to work using public transportation or walking or using a bicycle. Your travel expenses to go to work directly reduces your net income. Any savings on job travel thus increase your AVAILABLE funds for life. In all my life, I have been using several ten thousands of kilometers bicycle to drive to school, walking several ten thousand kilometers to work and using public transportation most of the other occasions. Bicycle and walking is environment friendly, makes you stronger and healthier - thus helps you in your free of charge healthcare and medicare, keeps you in touch with people and makes you free of any oil price increase.
8. Vacation. The less fulfilling your job and life, the more likely you think or belief to need vacation, recreation and leisure activities. That cost of vacation, like in some European having 5-6 weeks paid leave per year, may soon add thousands of extra $ of expenses to your annual cost of life. The happier you are in life and job, the more natural your entire living - the less likely you may feel to need any additional vacation. My last and only vacation I ever had and needed was at age 21. Later I chose exciting jobs at exciting places - thus making any need for vacation totally obsolete. My entire professional life was one huge everalasting challenge and adventure! Far more than any recreational activity ever could be!
9. Legal expenses. I never involve in legal matters. Everything can and should be solved in love. Avoid choosing wrong partner and you'll save ten thousands or more likely hundred thousands of US$ in divorce and legal battles during and after separation / divorce. Make decisions based on true love and you'll avoid to waste your money nd life for legal problems. Avoid contracts and do business on a handshake basis only. Honest people can do so - those who refuse such deals are hidden criminals and potential betrayers / cheaters! Pay cash whatever you need and let others pay cash for all services and products they receive from you. Always cash on delivery. NO single minute delay in payments !!!
10. Communication, telephone, mobile phone, FAX, Internet and other communications. Do you need the level of communication you currently have? Do you need all those phonecalls you do ? Or could you drop most of the phone calls simply by solving all unfinished business or limiting your activities to all those things within your physical reach ? Do you NEED Internet, FAX, phone ? For me and for my current and past few years Internet has been a substantial means to do my job. Phone for example - I use one mobile phone for emergencies and work only. NO private persons have my phone number, NO girls as well !! My monthly phone bill is normally in the range of far less than 10 US$ !!! NO private phone calls. If people miss me, then they made a mistake living me. If people want to love me, they never could do by phone - but only skin to skin, heart to heart. Phone is for real business, for data communication. Never for fun because to be apart/separated from loved ones never is fun, thus loved ones are NEAR me, WITH me - all life! Or loved ones are with God and thus have no need to talk to me by phone. But there are people spending hundreds of $ each months for small talk, talking to friends, lovers, partents, phone sex and much more nonsense and waste of time... NO single phonecall ever can replace ONE minute or skin to skin love or eyes to eyes talk!
11. These above points usually are the key expense factors in most persons, family and small family business alike. Learn to really get to true total sum of each and every above points to get full control of your money flow.

Here first a few additional thoughts to above points of expenses:

Most people who own a car have no real NEED for a car. It just has become tradition to have a car without deeper rational thinking about its real need or use. If you belief to need a car to travel to work. Alternatively you may also consider a work much closer to your current home - or - consider a home closer to your work. Whatever is more pleasant and easier to achieve. A third choice would be to move into a totally different geographical area, finding a new job near a new home. By choosing a new location with a more natural and healthy environment, you may also contribute to your improved natural healthcare / medicare at the same time. I did chose both above - working and living location - almost my entire life, thus making any need for a car totally obsolete. Only one single situation of life, during my career as a SCUBA contractor and Dive facility owner I needed a car to transport all SCUBA equipment.

When you really need a car - use a second hand car age 6-8 years. Such a car is easily affordable, lasts another few years and usually always can be paid in full cash our of your pocket! The loss of value of any new car is greatest during first year of usage. Hence to buy a new care simply is stupid and should be left to those who can or belief to can afford to BE stupid - the richest ones. Know what type of car you really need and get exactly the best matching second hand car. Car optics is for rich ones. Reasonable people look for safety and usefulness of a car. If your car has already a few scratches, then you no longer have to worry about getting your first scratch and can concentrate on your job, safety, security and quality rather than about your cars outer look!

Insurance - if you think it is impossible to live without insurance, then think twice. Life insurance is plain stupid because you die when God thinks its best for you to die. This may be at age 2, 23 or 78 or any time before or after. Those you left behind in the prison of their physical body on earth have no need to earn money from your death. All your family members need to learn to live from their own work and revenue from own honest contribution to society's needs. Hence there is no need for a life insurance to leave your family rich without work after you are gone. In many - or most (?) - cases family members start fighting for every $ you leave them behind. Hence life insurance is a curse in most cases rather than a blessing.

In some countries people are screaming for medicare ... Medical insurance for all - making common sense and healthy life style obsolete as well as making all self-responsibility and self-liability obsolete. The more and the better the medial insurance of a particular population is, the more careless and damaging that populations lifestyle will be. See USA !!! as one of most typical examples of lack of self-responsibility for all life - medical, education, health care, life style, warefare, jobs. People making stupid decisions and ruining their life and health of course is for the mutual benefit of the entire insurance and finance industry as well as for the government. The more ill you get - the richer those working or investing into pharmaceutical industry and insurance industry. Hence no government on earth ever has a reason to wish you truly perfect health. That is a luxury only you alone can strive for.

To understand why no government, no bank, no insurance ever has an interest in your health, you have to understand the relationship between the money flow from you to all insurance and finance industries and government as well. Some of your health expenses, insurances, etc are tax deductable, some NOT. Every dollar more expense - you need to earn more. The more you NEED to earn to cover your expenses, the higher your income taxes. Governments LOVE your income taxes as your money allows your government to:

• go to war against whoever and for whatever reason the "bosses" decide or please
• have fun at your expense during extensive government administered travels and dinners / parties
• invest in venture and risky adventures of their liking
• invest in high tech gadgets to enjoy playing with real toys paid by your money
• pay salaries to more and more government employees - the more people are employed and thus paid by the administration, the more "friends" that administration has. People never ask or care from where they receive their paycheck. Most just grab whatever they get, blood money, tax money, war money, anything as long as it's money that prevents them from having to start to really work and getting their own fingers dirty out on construction sites or down in underground mines, etc!

If you really think that you fail to live without medicare and insurance, think twice. Ask yourself:

1. Am I willing to do whatever needed to live healthy? Eating habits, smoking habits, drinking habits, ??? Am I willing to completely drop any health endangering habits in favor of active health strengthening habits ?
2. Am I willing to do whatever needed to eat healthy? To drop all kinds of junk food, to drop processed food, drop GM food, drop food grown in or with herbicides or pesticides or any other chemicals. Am I willing and ready to pay more for natural, organic and healthy food?
3. Am I willing to pay whatever needed in efforts, learning, and changes in life to work in a healthy job amidst a healthy and natural neighborhood / environment?

Myself for the past 19 years, I have enjoyed a life without any insurance at all. Makes easily a 5 digit $ amount of savings. The total expense for medical treatments / medicine during the past 19 years has been in the range of US$ 100 total - for 19 years. Before that period I had insurance, but since I had my own business I never had time to be sick. Being your own boss requires you either to keep on working 7/365 or to be OUT of business for good.

Being sick is the result of active wrong decisions - thus being healthy as well will be the result of active positive and correct decisions. The factors and criteria making ill are commonly known and published across the planet. Thus how to become sick is known to all world. The art and science of healthy life as well is well known to all world. Being healthy for an entire life thus is nothing magic but a simple decision and willingness to BE healthy at any cost or effort needed. To BE healthy - or better to remain healthy is MUCH easier than to regain health after illness. Hence it is far cheaper and much easier to always do the right action to maintain excellent health at any age!!

Obtain your totals of expenses per year

With all above explained basic expense factors in a normal human life, You now should be able to accumulate your own annual sums for each of above expense-group. Look at the sums. Where does most of your money flow out. How could you reduce your expenses. Above all always think about dropping an entire expense post completely rather than thinking about cutting expenses by 5-10%. In many cases you can do much better than a few dozen % expense cutting. you can drop all your credit card interest payments by stopping your spending and limiting all spending to cash payments only. Payments made from your EXCESS cash you carry in your pocket after all monthly bills are paid in advance !

You may change your life, your job, your apartment to come out with a totally new situation free of car, free of to total sum of car related expenses ! At the same time you may find another job in another region with much cheaper living of much smaller size. Smaller living quarters results in lower electric bills, lower heating or aircon bills, less furniture needed, less cleaning resulted, ....

Keep in mind that if your expenses are reduced by let's say 50% - that is a very reasonable number that most people easily can do and many can to MUCH more than a 50% saving. Savings in expenses also result in lowering the need for your income. Means: The less you spend, the easier it is to find a pleasant job that might have a lower wage leaving you still with more net cash in your pockets ...

because

The less you spend, the less you NEED to earn = to lower your overall income tax %. The income tax % usually rises with your increasing wage. That leaves you lesser and lesser $ for more and more work. The only beneficiary of your increased wage above all is your government. The less you earn the less the government can charge you. Because all governments on earth love to get easy money without working for it, governments love hard working high earning tax payers. The more tax a government charges, the more people have to work and struggle for the same level of quality of life. The relationship between increasing salary resulting in increasing tax % is called progression. The more you earn the more % you pay.

The less you earn, the less you pay. If your expenses are properly reduced by YOU, then the reduced total cost of living may most likely in no way result in a reduced total FUN of living. Opposite, you may notice to need less working hours for the same quality of life, resulting in more free hours for your loving family, friends and neighbors. Hence a more simple life, a lower cost of living usually results in an increased quality of life. But a different quality of life, deeper, more natural, more loving, more social.

From where is your money coming?

Every part of life needs to be self-sustaining. Meaning that NO work is allowed to create more expenses than revenue. Work always needs to create a positive cash flow. Because you need a positive cash flow to pay all expenses, to pay for investment into a better future of all mankind, you need funds for your personal charity and social welfare contribution, you need money to be able to make gifts of love to others. All this only is possible if your job consumes less than the resulting revenue.

The total cost of your various jobs consists of your travel, professional insurance, education, vocational training and continuing professional seminars and professional tuitions as well as work uniforms, tools and equipment, etc. Your excessive cost of living or excessive housing inside city areas also may be part of your "cost of work". Hence while a job in a major city may result in higher wages, the overall expenses including damage to your health, higher rental, etc may eat up most or all of the extra wage as compared to wages country side. The extra travel time to your work and back home each day also is a cost factor at the expense of your family life. Calculate the total cost of work at your present job, at your present geographical location and compare your total cost of your present job to costs when living in either a totally different region of your present country or even in a totally different country.

If you have several sources of income - which one results in a real net income and which jobs actually when looking indepth at all cost factors and time involved may even result in a net LOSS to be covered by your OTHER revenue sources ? If there is no real NET revenue from a real job, then most likely it is advised to completely DROP such jobs. Imagine you have a second job for just some 2-3 hours, some 20 or more kilometers away from home and you need a car to get or do that job. Look at the total gross income, divide that revenue by the total number of hours including your travel. Then deduct all the cost for transportation, etc and see how much per hour is left. How much would you earn doing ANY kind of job in your direct neighborhood ?? Most likely even more than for many far away jobs!

The fastest earned and easiest earned money always is the money you save at the very source of cash flow. With just a few minutes, may be maximum a very few hours of writing down numbers as a.m. and making a sound decision based on FACTS and necessities may easily help you to save 5000 or 10'000 $ or if your wages are higher ( US standard ) you may easily save 30-60 or MORE % of your total expenses you have right now. All you really need is a healthy common sense, facts and data as a.m. to make a sound decision on your own for your own life and future happiness. Most of all, the savings mentioned above result in NO reduction of quality of life, instead you will notice that actually your overall holistic quality of life will increase by reducing and streamlining your flow of cash toward real necessities.

Love and Bliss

hans