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- What Were They Thinking?
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Those who are doing well don’t always know why they belong to the happy few. “You’ve got to have a lot of luck,” they say, and “be at the right moment at the right time.”
It’s a nice observation, but as a teacher that doesn’t help me much. Just as I can’t predict who’s going to win the Powerball, I cannot influence luck. And if I knew how to be at the right moment at the right time, I probably would be doing something else with my life right now.
What I can help people with as a coach, is preparedness. If you’re lucky to be at the right place at the right time and you’re not prepared, you’re not going to get very far. But preparedness alone is no guarantee that you’ll have a successful career as a creative freelancer.
Let’s say you’re talented, you’re well-trained, and you have the right equipment that gets the job done. Is that enough to start and grow a for-profit business? I think we all know well-educated people with great skills and a nice set-up who can barely make ends meet. So, there must be other factors at play that determine the difference between success and failure.
Looking at colleagues who are at the top of their game, I have identified three characteristics all of them have in common. Number one I call:
The difference between dreamers and achievers is that achievers attract jobs. This is anything but a passive process. People don’t become magnets overnight and without planning. You’ve got to have an extensive network in place that generates a continuous flow of leads from multiple sources. If you’re just starting out, this is where you have to spend most of your time, energy, and money.
How do you become a magnet? Think about what you can do to draw people to you. You’ve got to offer something special at a price that tells people you take your work seriously. You have to make sure your presentation is in line with your (desired) reputation. Then you need to connect with clients and colleagues to let them know that you exist.
Obviously, this is not something you can do in a few weeks or months. Every self-employed person can tell you that this will be your life from now on, until you decide to close up shop. This type of magnet is like a rechargeable battery. If you don’t charge it regularly, it will quickly lose its power.
Now, let’s assume your magnetic powers have the desired effect and job offers are rolling in. Should you jump on every opportunity? Here’s where the second factor comes in. I call this:
Beginners often make the same mistake. They go after every single job offer, if only “to gain experience.” I remember when I first became a member of an online casting site. As soon as I had posted my profile and the membership fee was paid, the auditions started coming in. In my naïve enthusiasm I applied for every job, thinking that the more I auditioned, the greater the chance I would be hired. I was wrong.
Being a successful freelancer is not a numbers game. It is about going after the opportunities that are right for you. In order to do that, you have to filter out the misfits. That’s where the colander comes in.
Runners know their strengths. Some of them run marathons. Others sprint. In my line of work, some voice actors are great at narrating audiobooks. Others excel in voicing short commercials. Only a handful of people in every profession are true all-rounders. Chances are that you’re not one of them. That’s why you have to do yourself a favor: know your strengths, and become picky. Very picky.
There’s one last factor that separates the wheat from the chaff. I call it:
No matter how good you are at attracting and selecting jobs, once you have landed a new project, you have one objective and one objective only: to make your client happy. That’s by no means an earth-shattering revelation, so why even mention it? Here’s why. So many people believe that if you do the very best you can, the client will be pleased with the result. That’s not necessarily true.
Your very best might not be good enough, and/or the client may have different expectations. That’s why it is so important to find out what those expectations are before you get to work. I often tell my clients: “Any text can be read in a million ways. The more specific you are about what you’d like to hear, the easier it is for me to give you the read you need.” And that’s where the clay comes in.
Clay is just potential. It can be molded into any shape, depending on the talent and skills of the potter. No matter what kind of freelance work you do, whether you’re a scriptwriter, an industrial designer or a voice-over, you’ve got to know your material and be a master molder. The better you are at understanding your client and at working the clay, the more successful you will be.
Mind you, this isn’t something you can pick up from reading a book, or by listening to a podcast. It will take talent, training, and time. It may take a few years before you break in and break even. But when you do, this is what you will discover:
Doing exceptional work almost always leads to more work, which brings us back to the concept of the magnet.
One last thing.
If your career isn’t where you want it to be at the moment, ask yourself:
“Where are my greatest challenges?
What needs more work?
Is it the magnet, the colander, or is it the way I handle the clay?”
Paul Strikwerda ©nethervoice
PS Be sweet. Please retweet.
A small miracle?
Are you waiting for that one person to tell you you’re the best, and you should really do this?
It’s the daily drama of the wannabe freelancer. Lots of good intentions. Hopes and dreams galore. Always looking for the key that magically opens all doors.
And when those doors remain closed, be ready for the surprise, the indignation, and the excuses:
“They told me I had talent!”
“They said there would be lots of opportunities.”
“I’m just a beginner. You can’t expect me to know all these things.”
Every new job has a learning curve. That’s a given. But advertising yourself as a pro elicits expectations. Clients expect you to have professional equipment. Clients trust that you have the basic skills to do the job you just bid on. Is that too much to ask?
Yes, there are lots of opportunities, and lots of people are going after those opportunities. People with more experience, better gear, and a better understanding of how things work in this business. They are your competition. Can you compete on more than price?
I have no doubt that you are talented. But talent is nothing but potential. A diamond in the rough looks quite ugly, and needs serious cutting and polishing before it can be sold. Do you have the time, the means, and the patience to listen, learn, and improve?
Do you have enough drive, or do you like to be driven?
You see, this is not a superficial thing. To get to most diamonds, you need to dig deep. Diamonds don’t polish themselves, and doors don’t magically open. Only saints can claim small miracles, and that big break is highly overrated. Some wannabe’s go broke, waiting for that break.
Intentions, hopes, and dreams are figments of the imagination. Clearly defined goals, a solid education, and a willingness to work harder than anyone else, are not.
Here’s the real rub.
If you are waiting for someone or something, you’re doing it wrong.
The key to being successfully self-employed lies in taking massive, positive action. Not because someone told you to. Not because you felt forced.
You get out of bed because you have this burning desire to accomplish something meaningful, whatever it may be.
Step by step.
Day by day.
So, stop whining.
Paul Strikwerda ©nethervoice
PS Be sweet. Subscribe & retweet!
A few weeks ago, I gave you my “formula” for being less busy, and more productive:
Focus on what you’re good at. Outsource the rest.
People who run a successful business hire people who are smarter and more talented than they are, to take care of certain aspects of that business. These experts are able to do things better and quicker, leaving you with more time to focus on your strengths. That’s where the money is!
This philosophy has served me very well, and yet it’s only part of the picture. Today I am going to reveal something to you I haven’t told anyone else. At first, it will sound like a contradiction in terms, but I assure you it is not. It is something essential that took me many, many years to learn, and quite frankly, I don’t think I’ve mastered it yet.
Because it is seemingly contradictory, it confused me to the core, and at first I fought it tooth and nail. But once I discovered the benefits of this strange strategy, I came to embrace it.
TRYING TOO HARD
It all began some ten years ago. I was trying very hard to build my business, working 60 to 70 hour weeks. The idea was that the more I would put into it, the more I would get out of it. That’s only fair, right? It’s the same perverse philosophy that’s behind the torture that is cold calling. The more numbers you dial, the greater the chance of success. That’s what they say, whoever “they” are.
Well, this might be working for some people, but it wasn’t working for me. All that knocking on doors and auditioning for anything under the sun left me exhausted, and disenchanted. Bottom line: I had run into the law of diminishing returns. The more I tried, the less I accomplished.
Have you ever been in a situation like that?
People around me said: “You’re working too hard. Take break. You can’t force success.”
Did I listen? No!
Every time I took a breather, I felt tremendously guilty because I could have and should have been using that time on something useful and productive.
This voice-over business was supposed to be my dream job. Dream jobs don’t feel like work, and they give you energy, don’t they? It’s the ultimate freedom from the 9 to 5 rat race so many people get caught up in. It was my chance to prove to the world that I could be my own boss, living life on my own terms and turf.
If all of that were true, why didn’t it feel that way? Why was I waking up exhausted before the day had even begun? Why had I become an irritable, self-absorbed, sad sack of a husband who could only converse about finding new ways to get new clients?
“Oh, the first three years are always the hardest,” I told myself and my friends. “Eventually, it is going to get better, and it will all be worth it!” (insert fake smile)
But things didn’t get better, and I didn’t know how to turn it around…. until the day I walked into my local bookstore, and picked up a random paperback from the self-help section. The next thing I did was such a cliché: I closed my eyes, opened a page, and looked at the first thing that caught my eye. It was a quotation:
You can’t give what you don’t have.
You can’t give what you don’t have.
I don’t remember the title of the book or who wrote it, but it felt like I had received a message from the universe that could not be ignored. If my business was a flower bed, I had been watering and watering it, until the can was empty, and could not be refilled. No water: no growth. It was crystal clear.
So, what was I to do? Give up? Sit on the couch and watch TV all day long? Play video games?
I looked at the next few lines in the book, and the author had clearly anticipated my question. This was her advice:
“Replenish yourself. Do something that feeds your soul. Something that has nothing to do with work.”
STEPPING OUT OF IT
I’ve always been a lover of the outdoors. That was one of the things that attracted me to America. Endless forests. Majestic mountain ranges. Roaring rivers. Hidden trails.
The day after my revelation I put on my hiking boots, and I disappeared into the woods. For hours. There and then I realized how much I had missed my conversation with nature. I had missed the fresh smell of pine trees, the sweet sound of bird song, and the quiet rustling of the leaves. Not once did I think about my flailing business.
As I was trying to capture what I was experiencing, I thought of something else that was missing in my life: writing!
From the moment my mother taught me how to write, I was always scribbling words on pieces of paper. As a teenager, I would never leave home without a small notebook. In the last few years, however, I had been too busy reading scripts other people had written, and I felt I didn’t have time to put my pen to paper.
When I came back from my walk, it was as if a load had lifted from my shoulders. I could breathe again, and I went to the attic to find my favorite journal which was still half empty, (or half full, depending on how you look at it). Without even thinking, words started flowing from an invisible source within me, as if someone had opened a faucet filled with feelings and ideas.
Then it dawned upon me. What if I were to use my passion for writing, and start a blog for my business? It was something so obvious that I had never thought of it before. It’s like suddenly seeing something that is right in front of you!
And that is how this blog was born.
In all the years that I’ve been doing voice-overs, nothing has been more vital to the promotion of my business as this blog. Colleagues read it. Clients read it. You are reading it right now.
Here’s the irony and the contradiction: the idea came to me as I was doing my very best not to focus on my business. I was relaxed. I was in the moment. I was feeding my soul.
All of us get stuck from time to time. We get worked up. We feel frustrated. We might even lose faith.
The question is: What should we do about it?
Take my advice. Let it go, and find what feeds your soul. For some this might be through yoga, music, or meditation. Some people paint, or work in the garden. Others start jogging, or get on a bike. There is no right or wrong. Whatever floats your boat.
In a society that is obsessed with work, and where people pride themselves on how many hours they put in, this is a radical shift. To me, it did not feel normal. I had to work hard on not working so hard.
But the moments I chose to feed my soul, turned out to be the most fulfilling and eye-opening moments of my life. They proved to be the answer to the question:
Ultimately, our work is just a means to an end, but to what end?
As I was hiking on that wooded trail, experiencing the serenity of solitude, and the beauty of creation, I realized:
“This is what it’s all about.”
I don’t mean withdrawing from the world, but rediscovering an essential part of that world that is so easily lost. The part that’s more about being, than about doing.
Look at it this way: there’s always going to be something in your inbox. You’ll always find a reason to do more work to please more people. But you can’t give what you don’t have. If you don’t step away from your business from time to time, it will take everything you have, and then some.
Candles that are burned out, can’t spread any light.
Please make time to create moments that matter. These moments will give you the energy to carry on, and the inspiration to evolve, personally and professionally.
The other day, my wife and I went to Columcille Megalith Park, in Bangor, Pennsylvania. It’s a park rooted in Celtic spirituality, and inspired by the Isle of Iona off the coast of Scotland.
If you’re not in a position to leave your computer right now to go on a hike, take a few minutes to absorb the pictures I took, and listen to the music.
Then get back to what you were doing.
I can almost assure you that you won’t feel the same!
Paul Strikwerda ©nethervoice
PS Be sweet: Subscribe & Retweet!
Here’s the most important one:
“How was business in 2016?”
Some of you might tell me:
“2016 was great. I had so much fun!”
“I feel blessed to do what I do and even get paid for it.”
“I booked more gigs than ever, and I learned a lot this year.”
Those are interesting points, yet from a business perspective they are almost irrelevant. Let’s unpack theses statements one by one.
I’m so glad you had fun (and I don’t mean that sarcastically), but that’s not how you measure success as an entrepreneur. I know quite a few starving artists who had tons of fun while losing boatloads of money.
You may feel incredibly blessed, but how is that reflected in your books? Did your CPA congratulate you because your numbers are up this year?
It’s great that you landed more jobs, but if you’ve been doing more for less, are you really better off? I don’t know about you, but I became a freelancer so I could do less for more. That has nothing to do with being lazy. I wanted to have time to travel, to volunteer, to write, to coach, and to enjoy being with family and friends.
Learning a lot is cool, but clients don’t pay you to learn on the job. They expect you to know the job. I’m sure you’re familiar with certain folks (perhaps intimately) who are very good at learning how NOT to do a job. That’s not a way to determine the well-being of a business, is it?
Let me share something with you I learned not by guessing, but from decades of experience:
People who are prone to making the above statements may be good at what they do, but that doesn’t mean they’re good at running a for-profit business. In fact, their comments tell me they don’t seem to have their priorities straight.
If you wish to have sustained success in any competitive field, you need to be better than 90% of your colleagues in terms of talent and skills, AND you must run your business like a business (instead of some elevated hobby). You can’t have one without the other.
This means that when I ask you “How was business in 2016?” you should be able to answer the following (and potentially uncomfortable) questions:
“Did you break even? Did you turn a profit, or are your (still) struggling to survive?”
Be honest. Don’t give me an answer that would look good on Facebook. It’s time to face the facts. To quote Dr. Phil: “You can’t change what you don’t acknowledge.”
The bottom line is always about the bottom line.
Now, if you’re not yet where you want to be: Welcome to the club! Trust me. Even the big names you look up to, are seldom where they want to be. It’s what drives them! They know business is unpredictable and volatile. But they also know the five factors that lead to success:
- Learn from the best.
- Offer an outstanding product or service.
- Make it easy for clients to find you.
- Make it easy to work with you.
- Make it easy to pay you.
I always tell my students not to reinvent the wheel. It’s a huge waste of time. There are no shortcuts to success, but it does help to model your business after those who are where you want to be. When you do that, you’ll notice a sixth factor that contributes to continued success:
6. Manage your money.
This is where many freelancers lose the game, because they’re not on top of their finances. I admit: it’s not a glamorous job, but it pays the bills. Literally. If this is something you’re interested in, you need to take the first step:
If you’re like me, and you could use some help in that area, consider a service like Invoice2go.com. It was developed by someone like you: a small business owner. For $149.99 per year (The Enterprise Plan), you can list 100 clients, and send an unlimited number of customized invoices using your phone, tablet, or computer. Invoices will show a Pay Now button, allowing your customers to pay you online in multiple ways.
Here’s the thing:
Not only will you look much more professional, but when you make it easier for clients to pay you, they will pay you faster.
Invoice2go also helps you keep track of your expenses. That way you’ll always know how much is coming in, and how much is going out.
Mind you, I’m not getting paid to toot their horn, but I was approached to contribute to an infographic they put together for small business owners. I think that’s a really cool thing! Invoice2go asked entrepreneurs with years of experience for their top advice for starting a small business.
Here’s the result. Let’s see if you can find my quote!
Invoice2go just launched a free invoice template generator, allowing you to create and send customized invoices in three simple steps. Here’s the link:
Paul Strikwerda ©nethervoice
PS Be sweet. Please retweet!
10-plus money-saving tips for the frugal freelancer!
My mother must have had a Master’s Degree in Money Management.
As a child, I hated it. At the supermarket checkout there was always some whiny kid in front of me, pointing at the strategically placed sweets.
“Mommy, I want a lollipop!” cried the boy.
The little brat was already digging into an open bag of greasy potato chips that had yet to be paid for.
“Mom, I want it now!”
As his mother was loading boxes of sugar-coated cereal onto the conveyor belt, the 3-year old monster turned up the volume to show the world who was in charge.
“Mom, give me that lollipop! You said I could have a lollipop!! I WANT IT!”
And sure enough, after thirty seconds of relentless begging, the little Prince’s wish was granted.
His mother turned to my Mom and said apologetically:
“What can you do? He’s just so adorable, isn’t he?”
“Why don’t you give him an apple?” my Mom suggested.
“Oh no, that wouldn’t work,” said the monster’s Mom. “I’ve tried that once. It was a disaster. “Connor isn’t really into fruit. He might be allergic.”
“Well,” said my Mom, “he seems to like strawberries” as she pointed to the lollipop sticking out of Connor’s mouth. But she had spoken too early.
“I hate this lollipop,” yelled the boy. “Give me a cherry one!”
As the appropriately named Dum Dum landed on the floor, I had only one wish: I wanted to trade my Mom in for Connor’s mother. My Mother never bought me any lollipops, or that colored cereal with a surprise toy in the box. And if I happened to be hungry, she gave me a carrot or a celery stick. Disgusting!
A few years later, we ran into Connor again at Toyland. Not much had changed, apart from the fact that he had put on a few pounds. He was the first six-year old with a double chin I’d ever seen.
“Mom, I want that race car!” he yelled.
Connor and I were both drooling over the same shiny Matchbox® model. It was a piece of perfection.
“Mom, I want it now!”
Connor’s presence somehow gave me the courage to ask my mother if she’d buy me the car.
“How much money have you saved so far?” asked my Mom.
This year I had started earning an allowance by doing small chores around the house.
“Fifty cents,” I replied.
“And how much is this car?”
“You get 20 cents per week, so if you really want this car, why don’t you save up for it?”
“Mom, I knew you would say that!”
“Of course,” said my Mom. “Now, let’s get your sister a birthday present.”
At the checkout, Connor had already taken his brand new car out of the box and was ready to destroy it.
His mother turned around and said:
“What can you do? He’s just so adorable, isn’t he?”
The other day, I had a meeting with my accountant. He specializes in small businesses.
“Let me ask you a question,” he said when I came in.
“What’s the difference between a successful and a not so successful freelancer? If you had to boil it down to one thing, what would it be?”
“Well,” I said, “I can think of a few things. How about talent… connections… creativity?”
“Wrong,” said my accountant. “What do Jerry Lee Lewis, Tammy Wynette, Mickey Rooney and Lorraine Bracco have in common?”
“Brian,” I said, “You tell me. You’re the expert.”
He continued: “We’re talking about talented, well-connected and creative people. And at one point in their career, all of them had to file for bankruptcy.
Here’s my point, Paul: The difference between a successful and a not so successful freelancer lies in these two words: Money Management. And where does money management start?
“Well, Brian, isn’t that where you come in?”
“Wrong again. Money management starts between your ears! It’s about the difference between instant gratification and impulse control. Didn’t your mother teach you that? You see, there’s no secret formula to financial stability:
- Spend less than you earn
- Pay off your debt
- Invest, save and share
“That’s a great philosophy, Brian” I replied. “But you know as well as I do that it doesn’t work like that in the real world. The kids that have never heard the word “no” became adults driven by a sense of entitlement.
We might moan and groan about the economy, but all we really want is a big fat turkey for Thanksgiving and a big flat screen TV on Black Friday. People demand the latest and the greatest, if only to keep up with the Joneses.
If life gets hard, put it on a card.
After all: You’re worth it. That’s what this country is all about: prescription drug addiction, emotional eating and retail therapy.”
“It feels good to vent, doesn’t it?” said Brian. “So, what’s your answer to the I consume, therefore I am mindset? Should we call off Black Friday and fire Santa?”
“How about moderation?” I said. “How about redefining what makes us happy? Happiness cannot be found in the ever-increasing accumulation of stuff. Isn’t life supposed to be about who you are and what you have to give; not about how much you have and can keep for yourself?
My Mom kept a tight rein on the budget, and at times I was jealous of some of my classmates who could literally be a kid in the candy store. She didn’t always give me what I wanted, but I always got what I needed. Thanks to her, I became a frugal freelancer. She taught me one of the most important lessons:
A rich life has nothing to do with an expensive lifestyle.
We never went to Disney World®. We hiked on nature trails instead, and for years I told the world I wanted to be a forester, protecting plants and animals. We rarely went out to dinner. Instead, my mother taught me how to make delicious, nutritious meals from scratch. Our kitchen never had a microwave in it, and somehow, we survived.
At the time I thought it was so unfair: all the kids in the neighborhood had a VCR. Meanwhile, it took years before we got our first color TV. But my best childhood memories are of the whole family sitting around the table playing board games. I paused for a moment…
Be honest, Brian: Am I getting old?”
“Definitely,” my accountant said with a smile. “But as your financial advisor, I like the way you’re thinking. Now, tell me again: what was that website you were talking about the other day?”
“It’s called Freecycle.org. Freecycle is a worldwide network of people who are giving and getting stuff for free in their towns. Not junk, but good stuff that would otherwise end up in landfills. A year ago, our stove decided it was time to retire and Freecycle came to the rescue.
Someone in the neighborhood was remodeling the kitchen and her practically new stove didn’t fit anymore. She put it on Freecycle and I picked it up. It didn’t cost me a penny. And if there’s stuff we have no use for, we put it on Freecycle too.
“Didn’t your TV set give up, last year?” asked Brian.
“You’re right, and guess how much I paid to replace it? Fourteen dollars and ninety-five cents. I found a TV at a local Goodwill store. The folks who dropped it off were going for one of these LCD-things. There’s nothing wrong with that old television. It’s just a bit… ginormous and you need five men to lift it. But the story gets even better…
Last month we cut the cable. I was getting tired of being forced to pay for all those networks we never watch. Cable companies are like a restaurant charging you for everything on the menu when you’re only eating a few items. Cutting cable alone saves us over $1300 a year. Now I can put that money into my new recording space.”
“Aren’t those prefab boxes expensive?” Brian wanted to know.
“You bet they are,” I said. “That’s why one of my friends is going to help me build a booth in the basement. And if we ever were to sell our home, the new owners will have the soundproof media room they always wanted.
Spending money is just too easy. Saving money is a sport.
I spent hours and hours researching the web for the best materials and the best deals. I asked my social media friends for advice and I got quite an education. And at the end of the day, I believe that building something with my own bare hands is much more rewarding. I can also make sure that the materials I use are environmentally friendly.
I do the same thing when I am shopping for gear. Before buying brand new, I check out Sweetwater’s Trading Post, Craigslist and eBay first. A friend of mine just got a beautiful Blue Robbie preamp; retail price: $799. He picked it up for $500. It was barely a year old and the former owner had taken care of it as if it were his baby. My friend’s voice-over clients couldn’t hear the difference between brand new and “previously loved.” He recently bought a Mac Mini. Refurbished, same story.”
“Off course it’s not all about money,” said Brian. “My new-age therapist says that money is just an exchange of energy. She tells me I should move more. I spend my days behind a desk, staring at a screen. At the end of the day I just want to go home, be a slouch on the couch and… stare at a screen.”
“Do you know what you and I should do, Brian?” I said.
“I think both of us should become independently healthy.”
“Care for some carrots?” joked Brian.
“You’re funny! That’s what my Mom used to say.”
“Speaking of your Mom… how’s she doing?”
“She passed away on April 11, 2008.”
I took a deep breath.
“My Mother really knew how to stretch a guilder. When she died, most of her belongings went to families in need and she made it very clear that she didn’t want to be buried. She donated her organs and the rest of her body to science.
My Mom died on a Friday.
It was one of the darkest days of my life.
Not a day goes by, without me thinking of her, and wishing I could call that day off.”
Now, before we get all teary-eyed and sentimental, let’s end with something practical. Here’s my shortlist of tips for the Frugal Freelancer my mother would definitely approve of:
1. THINK of the WHY before you buy. Separate the needs from the wants. Ask questions such as:
- Is this something I simply would like to have, or do I absolutely need it NOW?
- What would happen if I don’t buy it?
- Can I afford it?
- Sleep on it (especially when buying mattresses). Build in a minimum waiting period for bigger purchases
2. DO YOUR HOMEWORK and use the internet for research and for finding deals
- Use shopbots such as www.froogle.com and www.thefind.com
- Use sites such as www.dealsucker.com, www.deepdiscount.com, and www.overstock.com
- Search www.allofcraigs.com and www.ebay.com
3. Invest in QUALITY that will last
- Remember: refurbished products are tested and certified and offer big savings. I bought my Apple Time Capsule refurbished and it is doing its job without any problems.
4. GO GREEN
- Pick products that are good for the planet
- Buy Energy Star products
- Go paperless and recycle
- Buy at a consignment or Goodwill store and use www.freecycle.org to get rid of good stuff you no longer need or to find things you’ve always wanted.
6. BREW your own COFFEE and make your own MEALS
7. STAY HEALTHY
8. SELL YOUR SECOND CAR
9. REDISCOVER THE LIBRARY
10. BE ORGANIZED and keep track of your income and expenses
11. Add up all your savings and give at least 10% to a worthy cause, and
Live each day with an attitude of gratitude.
Paul Strikwerda ©nethervoice
PS Be sweet: please retweet.