Positive Cash Flow is you have more left at the end of the month than you spent. Negative Cash Flow is having to borrow from yourself or (*gasp) from a credit card. Take some time to invest into yourself, follow the simple steps below!

The Steps:

• 1) Cut Spending: Look for savings, you are not depriving yourself sacrificing what you enjoy. Consider reducing your spending on daily routines. Maybe one less coffee a week?
• 2) Reduce Debt: For one month take the savings from your daily routine above and apply it to the principal on a debt.
• 3) Decrease Interest Paid: Making additional principal payments you will decrease the interest you pay. Albert Einstein said "Compound interest is the 8th wonder of the world. He who understands it, earns it; he who doesn't, pays it."
• 4) Increase Income: This concept is always easier said than done. There are more opportunities today in our history to bring in extra income. Online auctions, craft sales, side-line opportunities and more, even our business is duplicative. Write down your ideas for generating more income, then study the business in your spare time.

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