101 Ways to Increase Your Cash Flow By Lorraine Hunter, Credit and Business Assistance Inc. 1. 2. 3. 4. 5. 6. 7. 8. 9.

Pray and ask everyday, God will get tired of you and grant your request Give to the church, the less fortunate Teach someone how to do something for free until you become an expert at it Write a book or steps on how to do something you are good at, copyright it, sell it Remember where you came from Plan for your rainy days or months or years, believe me they will come Visualize how you are going to make your first million dollars! Then your next! Cut your expenses, see how long you can go without buying anything Give and do for others without expecting anything back, the returns are always 100 fold 10. Use all the food in your refrigerator and pantry before buying more grocery 11. Barter your services for other services 12. Read, if you cant read borrow some books on tapes or CD from your friend or library and return them 13. Know your rights and the law, ignorance will cost you 14. Learn something new everyday, keep magazines, books, tapes in your car 15. Keep a telephone directory in your car, it reduces expensive 411 or use 800 FREE 411 or text message GOOGL enter your zip code and or name of place you need to find 16. Pay your bills on time 17. Keep your receipts for at least 5-7 years, these days all kinds of class action settlements come in the mail and you can also get sued at anytime 18. Organize important documents, copy them and keep them offsite 19. Have photos of the contents of your home or business 20. Get enough rest 21. Take time for yourself to do the things you like, rest, relax 22. Have insurance: health, life, car, legal, etc. 23. Set up your accounts for overdraft protection 24. Shop around for free individual and business checking accounts 25. Pay your bills online 26. Set up auto bill pay for the bills you pay every month to avoid late fees and higher interest 27. Charge a fee for the skills you have 28. Buy property before buying a lot of clothes automobiles etc. invest in things that increase in value not decrease 29. Walk 30. Bike 31. Take the bus 32. Buy a car that is good on gas miles if you travel a lot hybrids 33. Work near to home 34. Work from home 35. Carpool or get a ride with who you know and trust

36. Get quotations before you get any work done especially with lawyers, accountants, bookkeepers, contractors compare services and references 37. Eat healthy 38. Exercise 39. Eat by serving portions, not by calorie count 40. Go green 41. Install and use energy saving everything: bulbs, computers, etc. 42. Call to confirm before going especially airport, meetings, etc. 43. If picking up at the airport allow for customs, baggage time dont go too early 44. Check that you have all you need to have before going 45. Be early for your appointments, call if you are going to be late 46. Know where you are going and how to get there before you start your journey 47. Do you have to meet in person, can you meet all the parties at the same time, can the meeting be done by phone, online 48. Measure all results 49. If you work enroll in your companys 401K and other retirement savings plans 50. Visit trade shows for your industry 51. Give your employees options in your company 52. Do not hire people you like or fast talkers 53. Shop for your clothes at the end of each season, buy winter clothes at end of winter and your summer clothes at the end of summer the best way to fill your closet with all the brand names you will ever need 54. If you dont spend you will always have money to be the best deals when they go on sale, do that for cars, furniture, everything. 55. Get an interest only mortgage, and put your equity to work for you, why do you need to pay off your home you cant take it with you when you die, use the money to save for your retirement and emergencies 56. Teach your children to be self sufficient instead of giving them everything 57. Use coupons only to buy items you really need 58. Run laundry and dishwasher after hours and only at full loads 59. In the winter use a space heater to supplement your electricity and gas bills 60. Turn off lights when not in use 61. Use a space lamp to light the area you need 62. Buy furniture on close out, factory outlet, floor models, end of season clearance 63. Buy items used and refurbished from the original manufacturers 64. Get credit terms and pay on time 65. Have a lawyer, use Prepaid Legal Services it is about $35 a month 66. Print less, email more 67. Sign up your customers to get ebills instead of mailing them out 68. Have your customers prepay for your services, give them a discount 69. Write a credit and terms policy and stick to it 70. Do background checks when needed 71. Have contracts reviewed by your lawyer and use them for all independent contractors and cases where you could get sued 72. Do not act on impulse take time to review your decision to do anything that costs

73. Teach your children about money and credit, otherwise they will drain you with their wants and mistakes 74. Choose your mate carefully, beware of their debts and assets before you marry 75. If you have anything of value sign a prenuptial before you marry or be aware you could lose half or more or assume your mates debts upon divorce 76. Buy good products when they go on sale, usually cheap things no good good things no cheap 77. Be careful buying in bulk especially if goes to waste, compare prices 78. Make a note of the types of food that get wasted, do not buy them 79. What do you have that you can charge a monthly fee for? 80. Know your friends and family, they will drain you spiritually, financially and otherwise 81. Check references, addresses and contact information 82. Recycle everything 83. Buy printers based on how many inks you have to by e.g, 3 color inks and 1 black as opposed to 1 black and one color even though the price of the printer may be lower the ink may cost more 84. Print on both sides of your paper if you have to print 85. Print black, color is more expensive 86. Recycle all paper 87. Save those envelopes you get with your bills use them to send payments, pay staff, write on the outside of the envelop we recycle everything, people understand 88. Recycle empty ink cartridges for credit at your local office supply store 89. Ask questions, lots of them 90. Research what you do not know 91. Keep notebooks and write things down, have one by the bed and all over 92. If you grew up poor, remember how you used to survive on less and stop wasting 93. Remember the less fortunate how in most places they survive on less 94. Buy property wisely 95. Invest wisely 96. Save for the unexpected, everything will not be rosy all the time 97. Delegate, dont burn yourself out, hire help you are not the master of everything 98. Use your miles for travel, purchases, etc. you earned them, use them 99. Call your credit card company to raise your credit limit/and or lower your interest rate every 6 months or so if you are a good longstanding customer 100. Dont depend on your job alone, you could get sick, injured or fired anytime 101. Dont depend on your government for anything, you could be sorely disappointed 102. Mail in your rebates, fill in properly and keep a copy of all the records mailed 103. Do what you say your are going to do, build a reputation of honesty and reliability 104. Make it right if you made a mistake 105. Keep all software licenses and CDs and paperwork safe and secured

106. Backup your computer files daily on and offsite if possible 107. Listen 108. Do things better and more reliably than everyone else the word will spread 109. Take good care of your existing customers 110. Have a plan A, B, C, D, E, F 111. Practice ethical behavior 112. Clearly disclose your information verbally and in writing, avoid the fine print most people do not like to read 113. Do you need everyone to have their own car? Bike etc? What if your circumstances were different? What would you do? 114. Sell excess items you do not need on Ebay, Amazon, barter with a friend, business 115. Exchange books 116. Eat before you go out, try to keep the kids at home when you go grocery shopping or set the expectations with them before you go to avoid public embarrassment or overspending 117. Train your children to work, so they will know the value of money and hard work 118. If you give your children everything they will expect the same from the world and they will not get it 119. Take your lunch to work 120. Remove unnecessary features from your home and cellular phone bill 121. If you break phones often get insurance do not buy the fancy phone by the most durable phone 122. Keep your old cellular phones if you do not have insurance 123. If you do have several spare phones, give the unused ones to charity 124. Know your bill cycle date and the due date to avoid late fees 125. Check your account balances and due dates to avoid overdraft fees 126. Maintain good credit 127. Check your credit report for errors and correct them promptly 128. Get a shredder and shred all confidential information 129. Use a PO Box to receive most of your important mail 130. Recycle, redo, reuse, especially baby clothes, equipment