My Financial Fitness- Tips and Tools For Improving Your Credit

We just added an advertisement free mortgage calculator to MyFinancialFitness.  You can find it under the 'Eliminate Debt' section of the site.

This is a guest post from our friend Mack Michaels of the Millionaire Society.

To attempt to make real money many people jump right in before they are properly prepared. You know that to be a rocket scientist, a doctor, a brick layer, a construction worker, an office worker, a teacher there are prerequisites, things you must learn, before you can be successful, you don't just jump right in unprepared.

The same applies to the Internet marketing industry even though there are unsavory people out there who'd have you believe it's a "Walk in the Park" and requires no more than the belief that you can just do it.  Admittedly it is a walk in the park compared to what you have to put up with in the 9 to 5 world, but there are still rules you have to follow and pitfalls you must avoid to actually make Internet marketing work for you.

Most people will never make a dime online, yet there are others who will make more in 1 month than most people make in an entire year. Why is that?

My answer begins with the age old chicken or egg question, "Which came first, The chicken or the egg"? Personally I have no clue and I don't think many of us do either.

But one thing I do have a clue about and know for sure is that to make money online you must first have Passion for the company products and/or service of any business from which you expect to make money. Passion in this sense simply means that you've researched and like the company and products or services. It is then that you translate that Passion into the excitement, education and work that usually accompany Passion.
Now, I'm not trying to make anyone believe that Passion is the only thing necessary. Because to be successful you must also have a good website, good marketing, widespread advertising, company support, effective keywords, and etc. Those things are often learned from the company you join - but sidestep Passion and you reduce your chances virtually nil.

Internet marketing work is typically not all that difficult or time consuming but it does take motivation caused by Passion to get you off and running with a sustained effort so that you won't stumble.

You have a great resource in the Internet search engines to search about the Internet Marketing industry for opportunity; USE IT!

Your research will uncover a company that you like and inspires confidence. It should be solid, founded on great principles, and easy to understand with great products and services that are sell-able for which you can have Passion. If you don't find it move on.

You can find the right opportunity containing the attributes identified above.

Comments like, well, that one sounds good and the compensation plan is excellent so I guess I'll start that business - does not sound like a decision based on anything near Passion. And remember when you hear that an Internet "guru" does that, don't be tempted, because  they are experienced and can sell just about anything, without being Passionate about the company products and services.

Mike here-  Mack has been doing a fantastic job helping people get started with Internet marketing through his group, The Millionaire Society.  Be sure to check them out; you'll be glad you did.

I saw this on the morning news and just had to pass it along to you all.

• Gluttony: Bumping up Against your Credit Limit
• Pride: Not Checking your Credit Score
• Lust: Applying for Too Much Credit
• Greed: Taking Out a Cash Advance
• Envy: Applying for a Card Out of your League
• Wrath: Closing your Card Accounts
• Sloth: Not Checking Monthly Statements 

I'm very excited to launch this site today.  My intention is to help as many people as possible improve their financial well being and break out the chains of the "new normal" just as I have.  Why am I doing this you might ask?  Couple of reasons reason really; first and foremost is that it is my way of giving back to those people that helped me pick of the pieces in the wake of my own financial disaster and make sure that no one else has to suffer the same level of pain.

My second motivation is that all of the "financial gurus" out there have been watching from the sidelines and are speaking hypothetically.  They don't have the tire tracks across their back or the scars from daily life that I gotten over the past few years just like the majority of Americans.  I strongly doubt that they've made the choice of going hungry to make sure that their kids get dinner.  Having these experiences though gives me a level of perspective that they will never have and the ability to make my advice far more practical than someone ensconced in a cozy office or TV studio will ever offer.

The third reason for doing this is the one that gets me absolutely fired up.  My mission is to improve the level of financial education in this country.  It's not your fault that no one has ever taught you how to balance a budget or read a credit report.  We may offer calculus and college chemistry in high school but sadly life skills 101 is not in the curriculum.  To make matters even worse, the banks and finance companies know this and use it to their advantage.  That's why they are out there shilling credit cards on college campuses and using a bunch of financial double speak in loan paperwork.  We're going to dispel the myths and give you the tools you need to be successful.