General Business Files

Schools do not teach thrift: college, high school, junior high our system doesn’t place a high priority on frugality. And what a shame. We should put money aside regularly using a simple system, pay yourself first.

For example, when you pay your utility bill, pay yourself first. I’ve talked to people who have mastered  saving money who have become very wealthy. Many of them have had to make tough choices—pay the phone bill or savings account? All of them chose to pay themselves first. They got on the phone with the phone company to buy time and negotiate a payment plan. Figure out a way, but pay yourself always.

You must pay yourself first, or you’ll negotiate away your savings. You want to have at least six months of living expenses, liquid. Savings is money you set aside that you never spend. Ultimately, you’ll invest it, generate passive income and get out of the rat race.

Recommended savings
60% Long-term savings
20% Emergencies
optional % “Emotional” (vacation/car  savings account) (optional)

Or another way to think about it,
10% Yourself
10% Tithe
10% Pay down any debt you have (and commit yourself to not run up more debt)
70% Do anything you want with it

Once you get the ball rolling, you can shift your savings into a CD, then shift it again into something with stronger returns. Your initial goal is to live on 90 percent of your earnings. The average American lives on 110 percent of his earnings. You can do it.

Another, separate, prong of this saving strategy is to tithe another 10 percent. It could be given to your church, the Red Cross, Habitat for Humanity, or any other organization you’d like to benefit. In my opinion, we owe it to our community and each other to be responsible and giving stewards of our money and do good in the world. I encourage us all to incorporate tithing into our savings plan of action. Your generosity will come back to you.

Once you have decided to lease a vehicle, the next step is to decide where you are going to lease the vehicle from. Car leasing directories can be a great help when deciding this. A car leasing directory is basically a listing of different leasing companies. These listings are generally sorted by region or county. Once you have found a directory with different leasing companies, you can click on their name and find a short description of the company. It is here that you can also find contact information pertaining to certain leasing companies.

The first advantage to a car leasing directory is that it saves time. Because you will have a listing available for many different leasing companies in the area, you will have a general idea of what services they offer and will be able to compare companies very quickly to find exactly what it is you are looking for. There is no need to run around to different leasing companies and talk to them each individually, only to find out that the majority can’t offer you the services you are looking for.

Finding a leasing company through a car leasing directory can also be beneficial because you will not be limited to companies that are just in your immediate area. These directories usually have information regarding leasing companies outside the surrounding area. This could prove very useful when looking for a lease as you may be able to find a better deal with a company that is not in your local area.

The companies will advertise what vehicles they currently have deals on. This can also be very beneficial as they may be offering something that is perfect for you and this will give you a heads-up that there is a company specializing in a particular vehicle or a certain lease package that is just what you’ve been wanting.

Car leasing directories will also usually have complete contact information for the leasing companies that they have listed. This can save a lot of hassle as well. When the leasing company is actually part of a dealership or other car sales company, it can sometimes be difficult to know who to speak to about leasing a car. Because this can be just one small division in a huge company, it can seem a little overwhelming without a little help. Car leasing directories offer this help and will point you in the right direction before you even pick up the phone to call the company.

Once you have decided that leasing a car is the right option for you, checking out different car leasing directories, these can be a really big help. Not only do they save time and hassle but they can take a lot of confusion out of leasing a car. These directories will give you many different options for a leasing company and will outline what those different companies have to offer.