About Cindy

Cindy has been a member since March 16th 2015, and has created 72 posts from scratch.

Cindy's Bio

Cindy's Websites

This Author's Website is

Cindy's Recent Articles

Create Your Resume

job-search-276893__180 Money money money… who couldn’t use more money… People who are having trouble making ends meet are always looking for ways to make more money. Maybe you are just looking for extra spending cash for an up coming vacation.. or you want to start saving for Christmas gift shopping.

Are you looking for a small part time job, a summer job? Or are you looking to get a new job with higher pay?…. Whatever the reason that you are looking to supplement your income your first step should be to get your resume updated or if you don’t have a resume.. now is the time to create one to call your own.

The thing to keep in mind about your resume is that once you have one created it won’t take much to keep it current. If you have it saved to your computer in document form such as Word.. they are easy to edit.

Probably the biggest obstacle in the way of creating your resume is how do you start? You must decide what to include, or better yet… what do you leave out… One of the biggest questions that an employer looks for is years with NOTHING showing. If you are not able to include something for those years that you have placed NOTHING you better be ready for the question….. “What were you doing all that time?”

Just to give you an example on a personal level…… For 4 years I stayed home and took care of my mother-in-law who had a stroke and was paralyzed. We moved her into our home and it was my “job” to take care of her. That would be a personal decision to include that on a resume or not. But in case the question was asked… I have an answer for… “What were you doing where you have nothing showing?”

In addition to your schooling and former places of employment it is always good to include your other interests such as hobbies and of course mention anything you do to help in your community or other volunteer work.

You may have a job interview for a specific job… but with the information about your other interests it is very possible that you might be a better fit for another area in the company where you are applying. I am sure that you have heard the expression… “Find a job you love to do and you can never call it WORK!”

If you are looking for work…. I suggest you have a resume ready to go. Once it is ready you are able to email it or have a few printed and be ready to just drop them off…..

If you need help getting started writing a resume, I have found a great very economical eBook that is a step by step how to create your resume. By economical.. I mean 7 bucks! It also comes with lots of bonuses… Getting the added Bonus #3 was worth much more than the 7 bucks… I can highly recommend this very step by step plan for writing your resume so that you are able to get a better job, another job, or just a JOB period.
Resume Layout Pro

Cash Talks About Your DEBT

I have found a new buddy…His name is Cash. I asked him to help me by talking about that nasty 4 letter word….DEBT.
Cash knows that there are a lot of people that are in debt. Many live from pay check to pay check… just getting by. People get into debt for many reasons… doesn’t really matter what they are.

What matters is that the decision has been made to get out of debt…..

Isn’t it time for you to wave goodbye to debt so you can accumulate wealth? The secret to becoming wealthy is easy….. Eliminate your debt.  Target Debt Free created by Dr. Tom Watson can help you turn your debt into wealth so you really can wave goodbye to debt to accumulate wealth.

Canada’s Parliamentary Budget Officer

 I had the TV on last night waiting for a show to come one.. it was a Canadian Station. I was just sort of listening to what they were talking about. As I listened a bit closer it sounded like something that I should pay attention to. The writing at the bottom of the screen really got my attention…
“PBO: For every $100.00 earned Canadians owe $171.00 in debt…” YIKES!

Since I really didn’t get the whole story of what they were talking about.. I went looking for the info this morning. I have found the article and it is SHOCKING…. you can read it here.

This was from the Parliamentary Budget Officer (PBO)…. If Canadians have a debt problem like that I am certain that we here in the US also have similar figures…. Not real sure how to find out what they might be but in talking to many people about their financial situation I know that MANY people are in DEBT……In Debt way over their heads.

Target Debt Free can help

How many credit cards to you carry?

Having a credit card gives many people a feeling of security. Many think if I have one 2 would be better.. just in case. Then we all know that 3 is better than 2…. Maybe having 10 more would even be better…. How many credit cards do you have?

Now the next questions is… How many of those cards carry a ZERO balance?

People who are having financial troubles get into debt for many reasons. Getting a new credit card to help pay the minimum due on a credit card that you already have is like robbing Peter to pay Paul…. it is a vicious cycle. When both of those cards are at their limit.. the easiest thing to do is to simply get another credit card.. Doesn’t that make sense to you?

Getting yourself into debt was easy… things happen… one thing leads to the other. If you find that your having a cash flow problem… your not alone.. many people find themselves in debt. The thing is it does not matter the reason that people are in debt.. what matters is what you plan on doing about you financial situation.

The very first step to getting out of debt is to admit that there is a problem…. The second step is to take action and do something about your financial situation….. Target Debt Free is a step by step guide to help you get out of debt.

If you admit you have a problem and have a plan and agree to stick to it…. you have come a long way in getting yourself out of debt. Dr. Tom Watson, the author of “The Great American Debt Opportunity: Turn Your Debt Into Wealth”, has translated his invaluable lessons into a library of 16 online courses called “Target Debt Free“. Each lesson includes an instructional video and printable worksheet to show you how to eliminate your debt and create financial independence. “Target Debt Free” is an excellent debt advice program from one of America’s top debt experts. Dr. Watson offers real debt solutions, not just debt consolidation.

You can check it out here.


How long have you been in debt?

 I got an interesting email the other day. It was from a reader who said he didn’t remember when he was not in debt. Not having to scrimp by… living paycheck to paycheck. He always had enough money to pay his bills but no matter what he did he was never able to get ahead. The interest was eating up all that he was paying towards the credit card payments.

Does that sound familiar to anyone?…. May I ask YOU… How long have you been in debt? How long has it been since you didn’t lose sleep over your financial situation?

People get in debt for many different reasons. I think the reason I hear about most often is from those that use their credit cards as their own private ATM machine….Spending more than they make. It is just way to easy to whip out the credit card to pay for something and not having any thought that it is just being added to the monthly statement… interest and all.

Many have very good intentions, saying things like. “I will charge this now.. because it is an easy way to pay…and as soon as I get the credit card statement… I will pay what I just charged?” Does that sound like something you may of said in the past?…. But then the statement comes due and for what ever reason you do not “pay what you just charged”…. and that is simply added to what you already owe on that credit card… and the interest just keep adding up. Sounds like a merry go round to me.. how about you?

Getting out of debt takes not only commitment, but it also takes a plan to follow to show you how to get out of debt.. and keep you on track. Target Debt Free by Dr. Tom Watson is the plan that will help you get out of debt.. keep you on track and show you how to keep out of debt.

Target Debt Free is an online course that contains 16 lessons both in PDF formats as well as videos. This online course is the same program that Watson has been teaching in live workshops for over 15 years.
<<CLICK HERE>> to read more about Target Debt Free and to watch the first video lesson.