SAVE MONEY

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					                SAVE MONEY

How to Save what you Earn & Earn on what you Save
                        by Bob Brumm

                  The Positive Perspective Inc.




                       www.bobbrumm.com
What About Bob?
     The Purpose For Which I Speak

 To Escalate Knowledge, Convey Opportunity Awareness
  and Encouragement that empowers all audiences and
           individuals to rise to any challenge.


              www.bobbrumm.com
         www.thepositiveperspective.com


                    www.bobbrumm.com
Savings Covered Today
 Daily Expense Savings

 Mortgage Savings

 Low Cost-Consumer Goods

 Tax Strategies

 Investment Strategies




                         www.bobbrumm.com
Daily Expense Savings
 Latte Factor
   Coffee Venti, mocha, java frappe …
   $80/month vs $19
   Pop/Soda $120/month vs $21
   Water $60/month vs $13
 Eating Out
   Lunch
   Monday night
   Tuesday night
   Wednesday night
 Phone Service
   Traditional
   Voice Over IP VoIP

                           www.bobbrumm.com
Mortgage Savings                           www.bobbrumm.com
$150,000 @ 6.5%, $2,000 taxes, $800 Insurance $1,181

  Discount points from employer

  1st & 2nd Mortgage vs Home Equity Line

  Pay off Early
     Pay off in 22 years instead of 30 Years
        No re-financing or appraisal
        No closing costs
        Build equity 300% faster
        Eliminate 83 Payments
        Save Over $51,000 in interest

                            www.bobbrumm.com
Consumer Goods Savings
 Not Cheap, Low-Cost

 Printer Cartridges www.printpal.com

 Auto Insurance www.esurance.com

 Life Insurance

 Coupons 2 for 1, Half off etc.

                       www.bobbrumm.com
Tax Savings                 www.kickstart.com/app/?af=306811


 Get Married
    $4,750 vs $9,700
    IRA deduction

 Have Kids
    $3,100 deduction

 Start your Own Business
    Write off mileage
    Write off 50% of meals
    Write of cost of your car
    Section 179 Expense



                                www.bobbrumm.com
Investment Strategies
 Pay Yourself First – 401K, 403b

 Make It Automatic

 Put what you save into a Vehicle

 Automatically Give Back




                      www.bobbrumm.com
Home Savings
 Do-It- Yourself

 Learning Sources
   Books
   CD’s
   Video’s
   Friends
   Relatives


                    www.bobbrumm.com
Summary of Savings
Coffee 2 cups/day                 $61
Water 3 per day                   $55
Pop                               $72
Lunch Out 4 days/week             $169
Dinner Savings                    $60
Mortgage Interest *               $51,439
83 Mtg Pmts of $1,181 *           $1,181
Consumer Goods *                  $217
Tax Savings *                     $600, $3,100 deduction
Investment Strategies             $98,023 + $$$
                          www.bobbrumm.com

				
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posted:3/24/2010
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