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    How to Stretch Your Dollar Further
    How to Stretch Your Dollar Further
    How to Stretch Your Dollar Further
    Ebook119 pages1 hour

    How to Stretch Your Dollar Further

    By Sharon Stewart

    ()

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    About this ebook

    This book contains all you need to move away from paycheck to paycheck spending and into the black.

    The author herself has used this program to leave a chaotic lifestyle behind, based upon whimsical overspending, inability to save, and insufficient income, to bring more peace, less stress and more feeling of security and wellbeing into her life.

    From a time in her life of living from food banks, not being able to pay the rent, and clutching at straws to try to maintain her lifestyle, she has worked her way up from destitution to a lifestyle of stressless abundance. Utilizing the techniques outlined in this book, she is continuing to treble her current income and further pave her road to prosperity.

    What this book entails is a complete shift of mindset for the one doing the work, focusing away from emotional spending, mindless spending, spending money you don't have, shopping as entertainment and underearning, and moving towards ways to increase one's personal power through money.

    Although you will see instantaneous improvement, it is not a quick fix. No lifestyle change ever is. It requires commitment but the beauty of it is is that the techniques involved do not require a PhD - anyone can do it - and it takes no specific ability or atypical person to be able to benefit from reading this book. The everyday man or woman now has a chance to change their life and to make their money work for them.

    Written in everyday English, this book clearly and simply outlines all you need to know. Whether you're single or a family, the principles work all the same.

    Using this book has no limits, as you will see when you read it. The techniques outlined in this book apply to all aspects of life so the mind which adopts them is sure to win!

    LanguageEnglish
    PublisherSharon Stewart
    Release dateMay 7, 2021
    ISBN9781005911102
    How to Stretch Your Dollar Further
    Author

    Sharon Stewart

    Sharon Stewart is a Lightworker, Astral Incarnate, Channeler, Blue Ray, Wayshower, Light Warrior, Author​When Ivo came through and introduced himself in 2015, Sharon awakened to her purpose on earth and the reason for all she has gone through. Looking back through her past through a new perspective of an awakened extraterrestrial consciousness, Ivo helped her to make sense of her life, and she shares what she has learned with you.​Through her etheric/3D implant and plasma connection to Ivo, Sharon has been channeling information ever since. As the implant works on high frequencies only, she now enjoys working relationships with many other extraterrestrials/universals as well – the growing Implant Communications team! Well connected in the galaxy as Tiannia of Vega, 12D priestess of Vega, with connections to many more beings of love, watch for Sharon's reports of reconnecting with her friends who she loved but forgot as she left to fulfill her role upon earth.Ivo's mandate for earth is to help awaken lightworkers and to help humanity as we ascend towards 5D, and Sharon is key in this. The only being able to channel him, they work as a team to spread information to awaken and enlighten all on earth.Ivo and Sharon have written channeled books to provide information to Lightworkers and starseeds who want to know why they are on earth, what is happening as they undergo Ascension and what will happen on 4D earth as GESARA law is implemented. Available where e-books are sold. Videos on youtube.

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      Book preview

      How to Stretch Your Dollar Further - Sharon Stewart

      How to Stretch Your Dollar Further

      Sharon Stewart

      Published by Sharon Stewart

      Implant Communications

      Copyright 2021 Sharon Stewart

      This e-book is licensed for your personal enjoyment only. This e-book may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to your favourite e-book retailer

      and purchase your own copy.

      Thank you for respecting the hard work of this author.

      ISBN:

      How to Stretch Your Dollar Further

      Sharon Stewart

      Implant Communications

      2021

      Table of Contents

      Prologue

      Long-term Goal

      The Trouble with Your Wants

      Be Deliberate

      Let's Get Started

      First Step

      Cash vs. Debt

      Fixed Expenses

      Groceries

      Couponing

      Price Matching

      Less Obvious Savings Tricks

      Online Shopping

      Around the Home

      So What Else?

      #HavingPets

      The Frugal Christmas

      Off Season Shopping

      How to Earn More Money

      Savings

      Last Comments

      Epilogue

      Prologue

      How to Stretch Your Dollar Farther

      Loads of Strategies to Improve Your Quality of Life

      Do you...

      - Know how to get free stuff from the Drug Mart? - fast!

      - Know how to get free food from the grocery store?

      - Know how to keep your grocery purchases at last year's prices?

      - Know the best time to buy patio furniture?

      - Know the best time to get the best prices on Christmas presents? Birthday presents?

      ....... and more!

      It's all in here!

      Back in the 1980's I was working for an oil company, earning about $35,000. per year, which was good cash back then. When we take inflation and the cost of living into account, $35,000 now is equal to $86,000 U.S. (a 146% inflation rate!) and $78,500 in Canada (124% inflation rate). I have calculated this same amount on other websites that have shown my $35,000 as $117,000 in 2021. But for the sake of argument, I'll stick with the lower amounts. For the work I did, I doubt that they would pay anyone $86,000 a year now.

      The point I'm making is that my income has not risen to the same extent as the cost of living has. What used to cost you a fiver now costs you $10 or $15. and $20 used to buy you what $40 or $50 buys you now. A take-out used to be about $5 then, now you pay $15 for the same meal, or like the club sandwich I've been buying – with no cheese.

      In Canada the tax rate on goods purchased jumped in 1991 from 7% to 13%, and despite all kinds of promises to the contrary, it has never dropped. In fact, it's been amalgamated into the HST (Hated Sales Tax) and so we know it's here to stay. This was a phenomenal cash cow for the government but bad news for the consumer.

      What I've done is created many of the same facets of my 1980's lifestyle (I don't have 'big hair') on less of a budget. How do you do that? I have a car I bought brand new, in the 80's I bought a 5 year old car which was a great car too. I have a one bedroom apartment, same as I did then. I have a computer – back then computers were a twinkle in somebody's eye, I had just gotten one at work, but there was no internet at all. I have an internet connection, a queen size bed, plenty of food in the cupboards and fridge, I have all the basics. I can afford to do some travelling and read all I want. And I've done it by using the principles in this book.

      At one point, when I started to write this book, I was earning $600. per month on welfare, with bits and bobs coming in through tax rebates and a debt owed to me. So I wrote this book to learn how to make these untenable circumstances possible. I knew I was moving up in income because I was applying for disability pension, but still I wouldn't be living on Easy Street, not a chance! I had to learn how to make do. So I taught myself.

      What I have done on top of learning to use what money I have wisely, because let's face it, that's a lot of the problem many people have – spending money on wants and not their needs first, was learn how to earn more. Do the needs first, the wants can come afterwards, especially when you're in low income. I devised a system of qualifying expenses and assigning priorities, which will be described in this book. As for earning more, we'll discuss that in the book as well.

      For the days money came in, I assigned a treat for that day and it would always be something like a meal out, one of my favourite dishes like pad thai or a take-out meal. That way I didn't feel that money was a drag and that payday sucked – I can go and treat myself once but for the rest, I stick to my priorities.

      This, and other ways of gratifying the kid in you while managing your expenses will be all over this book.

      Enjoy! And spend wisely!

      Sharon Stewart

      2021

      Long-term Goal

      The goal of this book is to arm you with strategies to make your dollar stretch further and to make your life easier.

      Some people earn minimum wage or less. This book's aim is to help you manage your money on a low income. It gives you choices, whereas before you probably always had to buy stuff out of need. If you've never had a money crisis or a food crisis, read on anyway because these strategies work for everybody regardless of how much you earn.

      There are many scenarios where people are living on a minimum income: they may be earning minimum wage, maybe a couple who are minimum wage earners and raising children, they may be on welfare and looking for a job or on a disability pension or retirement income. In any of these cases, and even if that’s not the case with your finances, the strategies listed in this book aim to help make your dollar stretch further. You may be able to do any number of things with the savings you make. I won’t bother listing them because all of us know what we’d do with extra money if we had it!

      The way I see it, if you're earning minimum wage or less you don't have any extra to waste so you should be looking for the best prices on things you want and need. You get taxed on the money you earn and then pay taxes again at the cash register. I say enough is enough! This is getting crazy!

      In these pages, I will teach you how to:

      - save on your groceries

      - reduce home expenses

      - get FREE food (yes, FREE!)

      - enjoy yourself on a day out without breaking the bank

      and more.....

      This book isn't intended to turn you into a cheapskate or a miser that pinches every penny. What it is trying to do is attempt to teach you how not to overspend on purchases - to get the best value for your buck - so you pay less in taxes and start to save money, or put away cash for a vacation or other dream you’ve had for a while and haven't been able to afford. The other thing it can do is help to alleviate financial crises – running out of cash, needing loaners to get by, staring at empty kitchen cupboards...

      This book will probably get you thinking so it's a good idea to have a notebook handy that you can jot down thoughts you have while you're reading because when you write down ideas that you're getting while you're reading the book, then you'll have something to start with when you start to slash your prices and buy cheaper!

      The Trouble With Your Wants

      The trouble with your wants is they often are inspired by what you see in front of you. Whether you're reading through flyers or in a store shopping, you're wanting items you may never have thought of buying otherwise. That's why you get that thick pack of flyers on your doorstep every week – to whet your shopping appetite. They serve a positive purpose too, but if you're having trouble with compulsive purchases because you're reading them, then reading them may not be doing you any good. If you need an idea of what that looks like, check out the show, "Extreme

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