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Are you broke? Or J.O.B. (Just over broke?) Or seriously heading to being broke… like you desperately need your next job to stay out of the red?
Want to stay that way?
I can help you…
Here are three scientific ways to stay broke:
First Way – Always look for something for nothing.
And when you find it, take it!
Never spend money on what you want or need. Even if the “free” or cheaper version is inferior of junk. Even if it breaks after a few uses. Even if it doesn’t do any good… like most free advertising.
Junk. Like trading for a website and then stay hostage of the person who gave it to you.
Fall for every cheap offer.
Find money in the street, preferably in a wallet. Don’t return it to the rightful owner, or take the money out of it and drop the wallet into the mailbox.
If the checkout girl gives you too much change: keep it.
In the grocery store, in the bulk isle, buy something expensive but put on it a label for some cheap stuff.
Sample the fruit or candy in the grocery store…
Always look for something for nothing, regardless of how you get it, and enjoy it and even brag about it. Be proud of it. How clever you are… Steal it if you must. ![]()
This will keep you in the state-of-mind that will keep you broke.
Bonus Tip! Nickel-and-dime others and make sure you always get “the better end of the deal.” Don’t pay any regard for the other person’s interests or welfare. This state of mind will be surefire winner in your quest to stay broke.
Illustration: I live in a two-family home, both apartments are rented. I’ve been here for five years. No improvements have been made in the apartment, the wood floor is gray, the faucets are dripping, two of the four burners don’t work on the stove.
The furnace stopped working in November. I called the landlord. He said: call the gas company, sometimes they fix it for free. I did as he told me and the man from the gas company came out and said he can’t fix it for me, it needs a specialist. It was a Saturday, I called a company from the yellow pages, someone came. 170 dollars later the heat was back on… only to go out again a month later. This time, same procedure, except the landlord called someone he knew… the heat back on, for exactly a month… this time it went out when the temperature was in the low teens outside… called the landlord, called his gas man, no response. For three days. On the fourth day I left a message on the gas-man’s phone: “this time I am paying, so please come.” He called me back in 5 minutes, came out an hour later, fixed the darn furnace by changing a part, a hundred dollars later I was happy in my heat. I was thinking of taking the money off my rent… maybe both charges, but I thought better. I prefer that the landlord is broke, not me… He never offered to pay me back. And he is broke. More broke than me.
Second Way – Always spend more than you earn.
The American way… or maybe it is becoming a worldwide way?
Spend more than you earn. Don’t do the old fashioned thing: decide what you want, save money from everything that comes in, when you have the money together, buy it. Oh no, the broke-making way is to buy it now, with a credit card or other loan, and pay for it later. Twice its value, or higher.
Everything you buy (except maybe a house) loses its value the moment the ownership changes. The car is worth 70% of its retail value the moment you drive it off the lot.
So is everything… finance your deficit on your credit cards (the higher the interest rate the better), refinance your mortgage or use a home equity loan to pay them off when you “max” them out (firmly believing home values always go up, never down), then repeat the cycle.
This is maybe the #1 proven financial strategy for staying poor, staying a slave to working, and you should definitely keep it in mind and practice it!
Third Way – Always give less value than you receive in cash value.
In “The Science of Getting Rich”, Wallace D. Wattles writes:
“Give … more in use value than you take … in cash value; then you are adding to the life of the world by every business transaction.”
Now, don’t get mislead, that is for those who want to get rich. But if you are determined to stay broke, or go broke, don’t practice it.
Here’s how to do it…
Give less than you think the customer expects. Be crabby, be edgy, be in a rush, be late, be distracted, be less than enthusiastic, pretend you are giving your best. Give much less than that.
People will leave with a bad taste in their mouths, give you a bad review.
Do it once: an accident. Do it twice: a habit.
This also includes setting your rates so high that you will permanently stay at this place…
I know a few providers who set their rate a little under what the value of their standard session is.
They have to turn away clients they are so fully booked.
They own real estate. Every year they pay cash for a new house they can rent.
Set your rate at so high that you will get one or two sessions a week. Have unhappy customers. Stay broke…
Guaranteed.

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