I am a big fan of receiving money for doing something that I already do, and that is why I am pumped about Swagbucks.

Let me tell about Swagbucks. It is a search engine that you use to find stuff on the internet. By signing up for and using Swagbucks for your internet searches, you can earn Swagbucks - a currency that can be converted into rewards ranging from five dollars to hundreds of dollars.

A single Swagbuck has a value of around $0.08, but it can add up! At the rate I have been earning Swagbucks, I believe that I will be able to obtain a $50 gift card every three months or so.

Based on what I have seen, Swagbucks returns the same results as Google.com but pays you to use it!

You can register for your own Swagbucks account

HERE.

Find dozens more budget boosting ideas on the

Text is Next Steps and Link is http://nextsteps.iwasbrokenowimnot.com/reward-programs/reward-programs/

Next Steps site.

I am PUMPED about

Next Steps, the newest division of IWBNIN. In this series, I will be sharing different components of this division which is solely focused on providing practical next steps toward financial freedom.

Eliminate Debt
The

Text is Eliminate Debt and Link is http://nextsteps.iwasbrokenowimnot.com/eliminate-debt/

Eliminate Debt section was developed to help folks develop a plan that will allow them to become 100% debt-free. I was in debt up to my eyeballs, and my bride and I made a commitment in December 2002 to rid ourselves of debt. In just fourteen months, we became debt-free except for the house and are now well on our way to eliminating the mortgage!

You can become debt-free too, and the Eliminate Debt section was prepared especially for you.

Here are the pages located in the Eliminate Debt section.
* Debt Freedom Date This page is focused on helping you understand your debt situation. There are links to obtain your free credit report (it truly is FREE), calculate your debt freedom date, calculate the actual cost of your debt, and an early pay-off calculator.
* 0% Interest Balance-Transfer Credit Cards I am not a fan of credit cards at all, but if you are carrying a balance and paying interest - why not surf the balance to a 0% card? That way ALL of your payment is applied toward the debt! We have searched the internet to find cards that charge a minimal transfer fee, but allow you to transfer the balance and pay 0% interest for an entire year. There are even a few cards that allow you to transfer the balance with no transfer fee.
* Debt Pay-Off Spectaculars Yes, these are also located in the Free Tools section, but for your convenience we have also located the page in the Eliminate Debt section.

Back when I was swimming in debt, I asked myself the two following questions that changed my life forever.

* "How much do I pay each month to debt?"
* "What else could I do with this money?"

Use the Next Steps Eliminate Debt section to get started on your own Debt Freedom March!

Text is Read more of the series on Next Steps and Link is http://iwasbroke.savingadvice.com/series-next-steps/

Read more of the series on Next Steps

I am PUMPED about

Next Steps, the newest division of IWBNIN. In this series, I will be sharing different components of this division which is solely focused on providing practical next steps toward financial freedom.

Free Tools
The Free Tools are organized into logical subgroups (sorry, some of my engineering nerdiness there )

Here are some of the sections in the

Text is Free Tools and Link is http://nextsteps.iwasbrokenowimnot.com/tools/

Free Tools section.
* Budgeting Tools Monthly; Weekly; Bi-Weekly; Bi-Monthly; Specific Project or Event - Every budget tool you may need can be found on this page.
* Debt Reduction Tools Calculate your Debt Freedom Date and Actual Cost of Debt here. You can also use the Early Pay-Off Calculator to find out how much sooner a larger payment will make a debt leave!
* Calculators Chances are really good that the financial calculator you need is located on this page.
* Saving Tools Find out how much your monthly savings can equal in a few years on this page.
* Pay-Off Spectaculars These are some of the most popular tools, and this page takes the spectaculars to an entirely new level. There are now thumbnail pictures of each spectacular for you!
* Saving Spectaculars As with the Pay-Off Spectaculars, the Savings Spectaculars have been reorganized for ease of use.

I am PUMPED about Next Steps and the opportunity to help you take practical next steps toward financial freedom!

Read more of the series on Next Steps

Text is HERE and Link is http://nextsteps.iwasbrokenowimnot.com

HERE

On October 3, 2008, I announced the formation of a new division of IWBNIN called

Next Steps.

For the next several days, I will be sharing some specifics about this new division.

Vision
It is my passion to help people accomplish far more than they ever thought possible with their personal finances so that they can be freed up to go do EXACTLY what they have been put on earth to do.

As I speak and teach about personal finances, I receive many questions like "Who do you recommend?" and "Where would you go?" Next Steps was created to answer these questions and provide practical next steps for those seeking to take their finances to a new level.

Prepare A Plan
The "

Text is Prepare A Plan and Link is http://nextsteps.iwasbrokenowimnot.com/prepare-a-plan/

Prepare A Plan" link was created to share the key items that I believe are fundamental for a sound financial plan. These items include:
* Planned Spending It is so important to have a written plan! This link leads to a page chock full of budgeting tools.
* Freedom From Debt Want a huge pay raise? Eliminate the debt payments, and it will free up a ton of money! This link leads to the debt freedom date calculator, actual cost of debt calculator, and an early pay-off calculator.
* Saving & Investing I love saving and investing! This is what will allow me to accomplish my plans, hopes, and dreams. This page leads to links for high-interest paying on-line savings and checking accounts, mutual fund investment companies, and 529 college savings plan links.
* Insurance Insurance can be frustrating. This page was created to make it easy to obtain multiple quotes with just a few minutes of effort! The average annual savings on auto and home insurance for folks who have not obtained a new quote in the last two years is nearly $600. That will spend just like money!
* Leaving A Legacy According to Bankrate.com, 57% of Americans do not have a written will. This means that the government will be left in charge of determining who gets what! This page was prepared to help you get a written will at a very reasonable cost.

Read more of the series on Next Steps

Text is HERE and Link is http://iwasbroke.savingadvice.com/series-next-steps/

HERE

Before this moment, there were four key ways this crusade was carried out:

* Speaking (Churches, Businesses, and Civic Organizations - Upcoming Events

HERE)
* Teaching (

Text is Financial Learning Experience and Link is http://www.josephsangl.com/FLE%20Details.htm

Financial Learning Experience,

Text is Financial Freedom Experience and Link is http://www.josephsangl.com/FFE%20Details.htm

Financial Freedom Experience)
* One-On-One Financial Counseling (Financial Counseling Experience)
* Resources (

Text is I Was Broke. Now I'm Not. and Link is http://nextsteps.iwasbrokenowimnot.com/purchase-resources/joe-sangls-book/

I Was Broke. Now I'm Not. and its

Text is Group Study and Link is http://groupstudy.iwasbrokenowimnot.com/

Group Study)

Today, I am PUMPED to introduce a fifth way that this crusade is carried out:

Text is NEXT STEPS and Link is http://nextsteps.iwasbrokenowimnot.com/

NEXT STEPS

Let me tell you how this newest part of the crusade came about.

First I will start by reiterating my passion. It is my passion to see others accomplish far more than they ever thought possible with their personal finances. The reason I am so passionate about this is because I believe that when people are financially free, they are much more likely to go do EXACTLY what they have been put on this earth to do.

As I partner with churches and businesses throughout the nation to help teach PRACTICAL personal finance tools, my passion and this vision drives me to constantly ask the question, "What is a PRACTICAL next step that we can offer folks?"

Let me be more specific.

* "After this message series on money, what is the PRACTICAL next step we can offer to help people take their finances to the next level?"
* "After Joe speaks at our business, what is a PRACTICAL next step we can offer to help people take their finances to the next level?"
* "After the Financial Learning Experience or Financial Freedom Experience, what is a PRACTICAL next step we can offer to help people take their finances to the next level?"
* "After someone reads I Was Broke. Now I'm Not., what is a PRACTICAL next step we can offer to help people take their finances to the next level?"
* "After someone participates in the I Was Broke. Now I'm Not. Group Study, what is a PRACTICAL next step we can offer to help people take their finances to the next level?"

Next Steps is a website created to answer these questions. Over the next several weeks, there will be several series written about the practical tools and solutions that we have placed on the site. I encourage you to check it out

Text is HERE and Link is http://nextsteps.iwasbrokenowimnot.com

HERE, and see if there are ways that can help you achieve YOUR next steps!