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How Much Do You Spend On Groceries

Groceries.  I love grocery shopping because I love to eat, and I get to choose exactly what goes into the cart.

I see that people vary WILDLY on the amount they spend on food.

So here is the question of the day:

How much do you spend on GROCERIES (not dining out) per month - per person in your family?

Share your answer in the contents!

FUNNY! Financial Learning Experience

Set The Scene

Chris Elrod is the pastor of Compass Point Church in Lakeland, Florida.  Find out more HERE.  Anyway, Chris is using Twitter to help promote the event.  He did stand-up comedy for a living for many years, and it seems he still has it in him.

Here are some of his Twitter posts (you can follow them live HERE

  • The dinosaurs passed on a Financial Learning Experience with @jsangl ...and look what happened to them.
  • 8 out of 10 federal inmates never signed up for the Financial Learning Experience
  • If you don't sign up for the Financial Learning Experience God will send a plague of frogs to inhabit your yard.
  • Chuck Norris became Chuck Norris...only after he attended @jsangl 's Financial Learning Experience!!!
  • If you don't sign up for the Financial Learning Experience...the IRS will most definitely come take away your house.
  • I'm pretty sure if you miss the Financial Learning Experience @CompassPoint you'll be living in a box 2 months from now!

Hilarious!   Do you have any you would add? 

New Class: Using Social Media To Boost Your Business

I am passionate about helping small businesses with the "business side" of doing business.  There are so many people who are passionate about the work they do so they start a business doing it.  Then they find out that there are so many "joy-robbing" aspects of operating a business.

Payroll.  Taxes.  Marketing.  Quoting.  Selling.  Employees.  Time.  Family vs. Work balance.

It can wear a person out.   As a small business owner myself and as the son of a small business owner, I am passionate about equipping others with PRACTICAL and RELEVANT tools that can help businesses win with money.

SO ... I am teaching a multi-session class focused on small businesses and the "business-side" of doing business.

The next class is on Wednesday morning, 4/1/2009 (no foolin'!), from 8:30AM - 10:30AM. 

For this installment, I am partnering with Bobby Retew of View Digital Media to teach about social media in a class called:

Using Social Media To Boost Your Business

Participants will learn:

  • What is social media?
  • Review key social media companies/methods including Twitter, Facebook, LinkedIn, Blogs, and Websites
  • Review practical examples of how these tools have been utilized to grow businesses
  • Assistance in learning to apply these tools to your own small business
Check out the video that Bobby and I put together to explain further and then register HERE!

Twitter Your Way To Saving!

I am enthralled with how Twitter has shaped my life in the past six months.  I thought it was a novelty, but it really is a powerful way to connect with people around the world!

For instance, when I was visiting Jeff Maness' church (Element Church) in Cheyenne, Wyoming, I wanted to go skiing in Colorado.  I twittered about it, and someone (Brett Crimmel - Forefront Church in Lakewood, CO) picked up my post and told me I should go to Copper Mountain.

I did.  It was AWESOME!  Twitter made it happen for me.

So (if you aren't already) check out the following Twitter Feeds and "Twitter Your Way To Saving"!

  • My feed - jsangl (HERE)  Random updates on the crusade, my life, and you are sure to receive my most recent running times.
  • Saving Freak (HERE)  Random updates on the crusade from a member of the IWBNIN Team.  This dude is truly a FREAK when it comes to saving money.
  • IWasBroke (HERE)  This is a forum where you can share how YOU have saved money recently.
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Spoke At NewSpring Church Today

I had a blast speaking during the "Where's My Bailout?" series today at NewSpring Church!

I am passionate about helping others accomplish far more than they ever thought possible with their personal finances.  It is because I believe this:

When people are financially free, they are much more likely to go do EXACTLY what they have been put on earth to do - regardless of the income potential.

Thanks for stopping by the website to check things out!  Here are some helpful links.

  • You can register for the Financial Learning Experiences at NewSpring Church HERE
  • You can find a ton of moneysaving tips HERE
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New Series Starting Monday

I am excited about a new series starting on Monday here at JosephSangl.com!

It is called "Top 5 Ways To Save Money WITHOUT Selling Anything".

Ready to save some green?  Check in each day next week to learn how!

Financial Learning Experience DVD – Released!

I am PUMPED to announce that the Financial Learning Experience DVD has been released!

This is the class that I teach around the nation, and it is yet another tool that will allow the crusade to help others accomplish far more than they ever thought possible with their personal finances

The Financial Learning Experience on DVD was created as a low-cost alternative to having our team carry the crusade to a church.

 

You can check out the different purchase options available HERE

If you have any questions, you can contact our team HERE

Inflation Is Brutal

We have all noticed inflation's brutal effects over the last couple of years.  We all saw a gallon of gasoline move from $1/gallon to more than $4/gallon.  Four times more for the same amount.   We have seen inflation in nearly everything we buy, but I think I may have experienced the last straw.

You see, I had this great thing going with my favorite soda machine.  It provided a cold, refreshing soda to me for the very reasonable price of $0.25.  BUT NOW inflation has hit.  It was not 4% inflation.  It was not 15% inflation.  No.  It was 100% inflation!

My now-not-so-favorite soda machine will no longer deliver a cold, refreshing soda for $0.25.  Instead, it just sits there and asks for more money.  Another $0.25 to be exact.

This inflation thing is brutal.

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Newspaper Article Last Weekend

Many of you know that I write a weekly newspaper column for the Sunday business section of the Anderson Independent Mail.

Last weekend's article has gotten more feedback than usual - and I meant every word I wrote.

Check it out HERE

How Many Times Must I Hear

I heard several times that Crocs were great shoes.  I finally heard it enough that I bought a pair.  They are great!  So great that I wear them everywhere.  Including to Iowa in January in snow.  When I finally tried out a pair, I thought, "Why didn't I listen and take action earlier?"

I heard several times that iPods were incredible.  I finally heard it enough that I bought one.  It is incredible!  So great that I wear it while running, driving, and sitting on an airplane.  When I finally tried out a pair, I thought, "Why didn't I listen and take action earlier?"

"Why didn't I listen and take action earlier?"  This is a question I have asked myself many times after discovering a new thing that enhanced my life greatly.

It applies to my finances.  When I first prepared a written spending plan before the month and the money arrived, I asked myself this key question.

I wonder how many more things I should be listening to and taking action earlier?

I challenge you to ask yourself the same question.

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Under Fire From Troy Gramling at ChurchPlanters.com

Casey Graham (The Change Group) and I were speaking with our pal from Australia, Will Henderson, about our crusades and we came under fire from paperwads, pencils, and decorative items thrown by chief suspect Troy Gramling.

You can watch the video at Will's website HERE.  I tried to stay on task, but it was DIFFICULT!

What To Do When You Are In A HUGE Financial Mess

I have met a ton of people who are experiencing the harshness of the following two key items:

  • No Plan, No Savings, Piles of Debt
  • Loss/Reduction of Income

Here is what you can do when faced with this situation.

  1. Cry.  It is OK to be regretful for awhile!
  2. Take time to prioritize who will get paid and who will not get paid.  (Read the post I wrote HERE about priority order.)
  3. Write out your goals.  Make sure they are SMART.
  4. Prepare a written spending plan (even if you know that it will not balance to Exactly Zero).  This will allow you to fully understand your "Go Get This!" number.
  5. Take ACTION!

There can be a tendency to just focus on #1 and hope for everything to just work itself out.  Usually, this is not the case.  Recovering from this type of issue is emotional and gut-wrenching, but it requires one to take action.

You CAN recover from the mess! 

Success Story: Saved Money On Insurance!

I love receiving success stories via e-mail!

Here is one I received this week ... 

From Iowa  Just wanted to let you know we shopped around and got our insurance company to lower our car insurance $65 a month so that's a savings of $780.00 a year, YEAH!!!!

$780 savings is TAKE-HOME pay.  To bring home $780 net pay, one would need to earn around $1,000 (because of taxes).  That means you just gave yourself a $1,000/year RAISE!

That will spend just like money.

If you have not comparison-shopped your auto and homeowner's (or renter's) insurance premiums in the last two years, statistics show that you are paying too much.  Geico is right when they say, "Fifteen minutes or less could save your fifteen percent or more on car insurance!"

A great product that makes insurance shopping easy is netQuote (link below).  You can enter your information once, and it goes out to all of your local insurance agencies.  They call and e-mail you with new quotes.  Be sure to get a new quote from your current provider as well!  You may be able to keep the same insurance provider for a lot less money!  When companies compete, you win!

AWESOME! Killing Cockroaches by Tony Morgan

I am FIRED UP because none other than the famous Tony Morgan just came over to my office and handed me a copy of his new book, "Killing Cockroaches"!

Here are five reasons I am PUMPED about this book:

  • Tony's blog [you should subscribe to it] is one of very few blogs that I read every single day.
  • Tony is smart.  Crazy smart.
  • Tony likes technology and provides great reviews (with examples of practical application).
  • Tony is a great leader.  I don't have to work for him to know it.  All I have to do is observe his team and see the quality of their work and their interactions with each other.  As a matter of fact, Tony's team has had a direct part in the development of every print piece produced for I Was Broke. Now I'm Not.
  • An cartoon intro to the book has been produced, and it made me want to obtain the book immediately!  You should take a couple of minutes and watch it right now and then go purchase Killing Cockroaches.

I am off to start reading!  Look for a review within the next week! 

Skiing At Copper Mountain, Colorado

I had the outstanding opportunity to go skiing on Friday before the Financial Learning Experience in Cheyenne, Wyoming.

I went skiing at Copper Mountain in Colorado, and it was INCREDIBLE!  Over a foot of fresh snow over the past week had fallen, and the slopes were in terrific shape.  It was the warmest day of the week (33 degrees) and sunshine too!

Here is a picture.

It was incredible, and I want to go back RIGHT NOW!

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