Where does it all stop? The time wasted in search of whatever. I have seen hours, days, even months wasted on line. The internet is a vast sea of information and yet to look at one thing can take weeks.

Take for example personal finance. I have found millions of websites articles and products claiming to help you. When are you going to say enough with the searching and ground some discipline, rules, and measurable action steps to gain control of your financial situation?

Oh your addicted and can't stop the clicking you say but what if I told you you'd have more time to click on meaningful topics such as where to vacation on $25,000 for 1 week or How to get your next luxury sports car for free. Instead of how to consolidate bills or reduce my mortgage payment.

You need a plan of action; a course to plot and a map to guide you on your way.

Ask yourself do you have a financial plan is it 1 part or 2?
do you have enough funds for a contingency or diversion of regular scheduled life? Are you a savvy investor who needs some diversification in your portfolio.

Or are you asking what a portfolio is? What savings? How can I save $50 - $100 per month every month.

Well the matter of fact is it's very easy. Take 1 day and analyze your current state of affairs. Use your current PC or MAC to devise a 2 column list.
side 1 is your revenue or income stream(s). Column 2 is for your expenses.

Now I know this is boring 101 level finance but you need to review the basics. Once you have completed this task you can move onto the next daunting task of analyzing your personal p&l statement. (Profit and Loss) [does your income exceed your income or do your expenses exceed your income]?

Most American's live in the second world of the debt driven society. I mean who doesn't if you can't charge it who need's it right? WRONG!! That's the mindset of an idiot.

Once your profit and loss statement has been compiled you now have one last quest to conquer your net worth.

While uncovering the dirty little secret of your finances you will undoubtedly uncover any assets you have acquired just subtract them from your liabilities and wallah, presto, abracadabra, and hokus pockus you are now sitting on your current financial picture.