There is ‘Good Debt’ and there is ‘Bad Debt’.

Bad Debt is Debt that takes money away from you and makes you work harder to repay it.

Good Debt is Debt that brings money to you and makes your money work hard for you.

Huge Difference! If you find an investment or business venture that will pay you MORE than you pay for the loan, then that is Good Debt! But where do you get the money from? Maybe the people at www.nationalpayday.com can help.

I have no affiliation with them, I don’t get a commission when you get a loan.

I just liked their open-mindedness to using Debt for Good rather than Bad.

Enjoy their article! ;o)

Cheers…Amanda van der Gulik…Excited Life Enthusiast! ;o)

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Guest Post from the people at www.nationalpayday.com below. Enjoy!

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Investing When We Have No Money – Guest Post

When you are in school, especially at a college level, it is essential to start to think about your finances and how they will affect your life once you have graduated and gone on to a career in whichever field you have chosen.

Loans are very normal for college students as the price for education goes up every year and many students feel that they need these loans to have a comfortable life while attending school. But eventually, you will have to pay down these loans, but there are options for re-payment that may help you to pay down your debt.

When we are young, we often live very inexpensively and we have a lust for life that we may slowly lose as we grow older. Youth is a great time to take advantage of your life, especially when it comes to investing in ventures that we see that can make use very rich one day.

Often these ventures, such as investing in a fledgling business on campus or backing a friend’s new company, require money. Usually, it is ill-advised to take out loans, but sometimes, a payday loan can be just enough to get us in on the ground floor of a new venture that will lead us to a comfortable living down the road.

Taking a loan may set you back in interest costs, but if you can use it to create even more income for yourself then it can also change your life depending on the opportunities that are available to you.

In the Internet age, many of the larger, more successful startups were concocted during college years (think Bill Gates) and if it weren’t for young investors taking educated chances financially by taking out loans or asking for money to create these opportunities, these companies may have never even gotten off the ground.

Money is the key to investing and it often takes a loan to get the ball rolling in a situation where we are not established and are a struggling college student. Just make sure your investment will pay you more than your interest payments cost you!

www.nationalpayday.com

I’m not sure if you celebrate Easter
or not, but regardless, I sincerely
hope you had as great a weekend as I
just did with my family.

First the Easter Bunny set up a fun
treasure hunt in our house that had
our kids absolutely focused on finding
their treasure. ;o)

Then we had a wonderful family breakfast,
went next door to a maple syrup farm/
apple orchard and had a second Easter
egg hunt in the woods, as well as got to
show our kids how they make maple syrup.

And the weather was just gorgeous!

Then finished our weekend with a lovely
family dinner, all 12 of us! ;o)

I am so grateful and so thankful.

I hope you too had a wonderful weekend
with your kids. Let me know what you did.
I’d love to hear all about your own
Easter adventures. Or if you don’t
celebrate Easter then just let me know
how you enjoyed your weekend.

I’m almost ready to launch my new video
home-study course, “Teaching Children
About Money”. Thanks again to everyone
who helped me put this unique course
together. I really appreciated your help.

I’ll email you later this week, once I
have my video up. You’re gonna love
what the kids say in the video. It’ll
really make you laugh. They’re just so
cute! ;o)

Okay, have a great week.

Cheers…Amanda…Excited Life Enthusiast!
www.TeachingChildrenAboutMoney.com
www.AllowanceSecrets.com
www.GetUnstuckForKids.com
www.CleverDoughKids.com/club
www.CleverDoughKids.com/cruise

P.S. Make sure you let me know how your
weekend went. I can’t wait to hear all
of your own bunny stories. ;o)

P.P.S. Oh, I also wanted to let you know
that I’m endorsing a new book by Robin
Sharma. I don’t know if you know him, he
is the author of the #1 international
blockbusters ‘The Monk Who Sold His
Ferrari’ and ‘The Greatness Guide’.
www.TheLeaderWhoHadNoTitle.com

Well, anyway, he’s come out with a new
book today called, ‘The Leader who Had
No Title: A Modern Fable On Real Success
In Business and In Life’ (Simon & Schuster).

I think the lessons in Robin’s new book are
incredible and can help us to keep our
‘wealth mentality’ healthy as we continue
to role model good money management to our
kids. ;o)

Just thought I’d let you know about it.
I don’t make any commission on recommending
it. Just wanted to share it with you.

You can check it out here:
www.TheLeaderWhoHadNoTitle.com

If you scroll down on this page you’ll see
that I’m the third ‘Gift Sponsor’ on the list.
That’s how good I think it is, that I’m
actually giving away a special gift to every
one who buys Robin’s book today.

Oh yeah, almost forgot to tell you, because
Robin is launching his book todayand is
hoping to reach ‘best seller’ status, he is
also giving away the chance to win 24 iPods
(one every hour) today only, and only through
his special site.

And he’s also giving away over 100 bonusGifts
(with a retailValue in excess of $1,057!)
You can see them all here:
www.TheLeaderWhoHadNoTitle.com

Cool, hope you had a great weekend, check
out Robin’s book if you’d like more inspiration
to pass on to your kids. (It’s REALLY GOOD!)

You know I only ever recommend things that
I personally feel will empower either you
or your child or both. So enjoy! ;o)
www.TheLeaderWhoHadNoTitle.com

It’s called the Women’s Information Network, and it’s pretty cool. My dear friend Dorothy Fest recommended it to me.

She’s one of the Show Hosts, you can check her out here:
www.thewinonline.com

Cheers…Amanda van der Gulik…Excited Life Enthusiast!

Exactly what is the secret law of attraction? Since the release of the book and movie entitled ‘The Secret’ tens of thousands of people around the world want to find out more.

Even before this, there had been a lot of information on the subject, but people really did not understand the concept and people still do not understand how the process works. Here you will find some information to help so that you too can understand the power of the law of attraction.

Many of the most successful people in the world, use the secret law of attraction. People use this power either consciously or unconsciously. It allows a person to get anything they want, as well as be the person they want to be, through the use of the mind. The way we think is what determines our fates and how we live.

The secret law of attraction is what will guide you in attracting all of the things that you need. The way that you live and the amount of money you have reflects the way that you think. To not have money is the inability to access all the things in life that you want to do. For complete happiness a person should contain the ability to give to the ones that they love. People must have access to the material things in life in order to develop fully in mind, body, and soul.

Freeing yourself of certain ways of thinking, will allow mastery of the law of attraction. You have to be able to understand that all things in life are just a substance of thoughts that one creates and it is from that everything is made. Your thoughts are what create your life the way in which you want. You are the person who contains the ability to change life and create it in the way you wish to live.

Reaching the things in life that you want is dependant on how much you really want it. Writing down the things you want in the present tense is something that will help you to achieve it. Every day you should look at the thing that you want and think about it, and imagine that you have it now.

The thing you want should be something that your really want. It should have the potential for making your life better. You also must contain a certainty that it is a thing that you want. While thinking of this thing, you should have your mind clear from any other thoughts. This will allow you then to focus on the true desire that you have. The best way to improve concentration and focus is through meditation.

While you are asking, you need to believe that you will receive. Throughout the process stay relaxed and work towards reaching your subconsciousness. The place that you are during this process should be quiet. Belief is most important in order to increase the chances of things working.

Visualization helps to send a clear picture to the universe of the thing that you want and allowing your imagination to flow is vital. After sending out pictures to the universe of what you want, you should express gratitude, since you know you will receive the thing that you requested. Live life in a grateful mind, from that moment on.

The secret law of attraction is only met, when you truly believe and place all faith in the world around you. This means that you cannot continue to want what you request, but to know without doubt that you will have it.

The worst business advice I ever received was…

“If you want it done right, then do it yourself!”

1. I don’t have enough time in a day to do everything myself.
2. My most successful products have been compilations of other people’s ideas & stuff.
3. When you Joint Venture with others you get to use their lists too! That’s HUGE leverage!
4. I don’t need to be ‘qualified’, I can hire someone else who is!
5. I’m in business for myself so I can have time to enjoy my time with my husband & kids!

Cheers…Amanda van der Gulik…Excited Life Enthusiast. ;o)
http://www.AllowanceSecrets.com
http://www.GetUnstuckForKids.com
http://www.CleverDoughKids.com
http://www.TeachingChildrenAboutMoney.com