The PDQ? Factor

It's the beginning of a brand new year: a time to set goals, make plans, and start afresh; a time to dream of making more money, having a more beautiful body, and experiencing more love. I can't help you with your body or your love life but I can show you some tools for making more money this year.

Have you ever heard of the PDQ Factor ?? Probably not, but you probably have heard of the acronym PDQ, which means "pretty darn quick" and that can be expensive: think fast food, fast cars, and fast women. This PDQ, The PDQ Factor? will save you money. In fact, it can even make you wealthy over time.

To illustrate?take an empty glass and set it under the water faucet. Now turn the faucet to a single drip, or a slow trickle if you're really impatient, and watch the glass fill up. It takes a while but it does get full. If you were thirsty, it wouldn't have been nearly as fast as turning the faucet to full force but it was just as effective. The PDQ Factor ? is the slow trickle equivalent in the world of money. It stands for Pennies, Dimes and Quarters. Nickels count too, they just messed up the snappy title so we left them out; but don't you leave them out of your investment toolbox.

Here's an easy plan to make an extra $1000 this year. It won't take much time or energy-really none at all. By investing just $2.74 a day-the cost of a designer coffee drink; a bad drive-thru meal; or 8 quarters, 5 dimes, 4 nickels, and 4 pennies, in just 365 days you will have an additional $1000 in the bank. Did you know that accumulating wealth is this effortless? Make a plan, stick to it and watch success sneak up on you in teen-tiny increments.

With no pain and all gain you've just set a financial goal; a goal that can be effortlessly reached by making a very minor tweak or two in how you live your daily life.

Break down your goal and see how many PDQ's it takes! And don't forget to start today!

Check out the following websites to save even more pennies:

And recycle your cans and bottles to capture those nickels.

Happy and prosperous New Year!

Copyright 2004 Cindy Morus

About The Author

Cindy found herself facing divorce partly caused by "marital money" problems. Now she teaches families how to achieve financial well-being and peace of mind. She can be reached at cmorus@phelps-creek.com or www.phelps-creek.com.

In The News:

pen paper and inkwell


cat break through


Net Worth Nympho

There are plenty of people who are in love with... Read More

Do You Want Money?

Let me ask you a very simple question. Do you... Read More

Self Improvement and Financial Security for the Future

Any successful person, or any anyone interested in self improvement... Read More

Its High Time for Lifetime Savings Accounts

I'm constantly reading articles on the internet and in financial... Read More

Is Accumulating a $1,000,000 Net Worth Easy? Yes and NO

Is accumulating wealth as easy as following a 3-step plan?... Read More

Getting An Offshore Bank Account Via The Internet

There is no need to use the many middleman websites... Read More

Personal Finance Rules to Building Wealth

Key 1 Pay your self firstkey 2 Saving is not... Read More

Tax Help - Girls (and Guys) Just Want to Have Fun by Using Tax Saving Tips

In his best selling book, "Rich Dad, Poor Dad, Robert... Read More

The PDQ? Factor

It's the beginning of a brand new year: a time... Read More

Building Wealth: Its An Inside Job ? Part 1

Whenever we read about building wealth or even attend a... Read More

You Deserve To Retire Early

The fact is that most people continue to work for... Read More

Trustee Fees: How Much is Enough and How Much is Too Much?

I am often amused by the ads and offers I... Read More

The Predicament of the Newly Rich

They are the object of thinly disguised envy. They are... Read More

Stop Losing Thousands of Dollars Every Day: Six Tips For Creating Wealth

We all go to school for about twelve years, kindergarten... Read More

Gain More Control of Your 401k - What It Can Mean to Your Future

Points to ponder as you consider what can be done... Read More

Increasing Your Wealth by Increasing Your Financial Literacy

Perhaps the primary message of Rich Dad, Poor Dad is... Read More

Get Rich Slowly

Is it hard to get rich? If you're young, not... Read More

Who Else Is Tired of Life Punching Them in the Face?

Remember the bloodied face of Randall "Tex" Cobb?He was a... Read More

Cost Averaging - It Makes Sense (Dollars & Cents)

It's no secret that the market goes UP...the market, goes... Read More

How I made $122,000 and lost $132,000 - A lesson in Assets vs Liabilities

This is a true story from my own experience that... Read More

How Much Do You Need To Earn Per Hour To Achieve Your Yearly Financial Goals

Have you ever asked yourself what your highest income producing... Read More

Is Your Money Keeping Up With Inflation?

In today's unpredictable global economy, you obviously never know what... Read More

Financial Planning For Singles

Financial planning often gets a bad rap. Part of the... Read More

Warren Buffet: Wisdom from the Worlds Richest Investor

In light of the dominant mindset overshadowing the market these... Read More

What Do You Mean By Diversity?

The word 'diversity' is a unique one. It can represent... Read More

Building Blocks of a Financial Foundation

You can't build a house from the roof down, and... Read More

Money Mastery

Money can be your servant or it can be your... Read More

Your Money Or Your Life

Have you stopped to realize that although you go... Read More

Investors - What Separates the Good Traders from the Bad Traders?

There are many forms of investing online. While I can... Read More

Asset Diversification Is NOT Boring?And Will Make You Money

OK, this article will start with the cheapest piece of... Read More

Wealth And Your Net Worth

Most people know it's important to keep and organize all... Read More

Why do Some People Rake in the Dough while Others Spin Their Wheels to No Avail?

Here's the truth: I have read hundreds and hundreds of... Read More

The TRAP Behind Websites With INSTANT Searches for Unclaimed Money

There is no questioning that the amount of unclaimed money... Read More