Meet best friends Jeff and Brian.
Both are in their late forties and have known each other since children.
They grew up on the same street, went to the same primary school, sat together in class, both moved up to the same local secondary school and sat together whenever they were in the same class.
When they left school Jeff got a job as a builder, Brian got a job as a carpenter… at the same building company. While at work they spent a lot of their days working together on the same building projects.
When they weren’t working, they spent evenings and weekends together going out drinking and clubbing. Even when they started dating the girls who became their wives, they double dated and spent time together as couples.
For the first 25 years of their lives, Jeff and Brian were inseparable. Even to this day, although life and family have taken over, Jeff and Brian meet up regularly, both with and without their wives.
It is safe to say that they are the best of friends and as in most cases, best friends generally have similar personalities and think pretty much the same… in general.
There is one huge difference between Jeff and Brian… their relationship to money… mainly their use of it.
How they use credit cards is very telling.
As soon as Jeff was able to use a credit card, he was out buying ‘goodies’ as he likes to call them.
He was using his credit card to pay for meals, shoes, clothing, days out, holidays, drinks, and shopping. You name it; it went on the credit card.
Jeff’s wife is pretty much the same. She too uses credit cards to buy more goodies.
There have been times where they have overstretched and struggled to keep up with repayments.
Their monthly credit card repayments take a huge chunk out of both of their incomes leaving them with very little to enjoy. When they want to enjoy something and have no money, they put it on the credit card.
Brian’s story is a lot different.
Brian hardly uses a credit card to buy goodies…. because he doesn’t need to.
You see, Brian is a millionaire who now owns his own building firm.
He no longer works as a carpenter; he has swapped his tools for a laptop and now mainly works in the office. Jeff is still working as a builder and now works for Brian.
The difference in wealth and lifestyle between Jeff and Brian is born out of their different opinions and their use of credit cards.
As soon as Brian got his first credit card, he used it to make money. He didn’t buy goodies like Jeff; he bought items to sell which he knew would earn back double than what he paid.
He used the credit card to buy items; he sold those items and then paid the credit card back without incurring a lot of interest costs.
He reused the money he had earned to buy more items and then sold them for a profit.
This started his journey to becoming a millionaire.
The credit card gave it a kick start.
Brian mostly only ever uses a credit card when he needs to fund a money making venture once he is sure that the venture cannot fail and that he will be able to pay back the money as fast as possible.
For Brian, a credit card is mainly used to earn or learn.
Brian, like thousands of other successful people, used other people’s money to make money… but those who are successful do it knowing that they can pay it back fast.
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If you have not evaluated the risks or done your proper due diligence, then you can very easily get burned if you try and use other people’s money.
Do it wrong and you can be left with debts.
This is a big area of contention.
Should you or should you not use credit to either make money or learn ways to make money?
Personally, I think it makes more sense to use credit to make money than use it to pay for a weekend in Skegness or buy a new wardrobe… especially if you are short of the green stuff.
At least if you use credit to buy money or learn new money making skills, you have a greater chance of paying it back without wasting a lot of money in interest payments.
Obviously, I am not suggesting that you use a credit card to buy anything from us, it appears shady when people do that, but isn’t there more sense to paying for something which will earn you money back than something that simply looks or feels good like a designer handbag or coat?
Credit is there to be used… but it must be used carefully.
Some people prefer to not use credit and save up for the money they need which is admirable, it protects them from having to pay the money back and not lose money paying interest if it all goes pear shaped, but… it also means that you can potentially miss out on a lot of money and waste a lot of valuable time.
As the saying goes… time is money.
If you need £1,000 to start a business or fund a way to make money, credit can get you started today.
If you tried to save up £1,000 but only have £50 spare at the end of each month, it’ll take 20 months before you have your £1,000.
How much profit could you have lost in that 20 months of waiting?
Some people are super proud and may prefer to use their own money so that they don’t owe anyone anything which is great if you have bucket loads of spare money… but at the end of the day, if you use credit, you are still using your own money.
It’s just that someone helped you to get started quicker and you are simply paying them your £1,000 over a period of time with a little interest as a ‘thank you’ for the leg up.
If you do your homework correctly, you can use credit and pay it back without losing a lot of money on interest payments.
If you don’t think you can pay it back then you either don’t use it or you factor in the interest payments as an expected cost of starting the venture.
Credit… it either makes you or breaks you.
Which would you prefer?
You may not want to use credit to fund a venture preferring to find a way to make money without having to borrow £1,000 or invest £1,000 of your own money.
If that is the case then you might want to consider investing in new cryptocurrencies.
Our good friend Carl Wilkins has made himself a nice little fortune investing in new crypto currencies.
Carl is the Crypto Sniper who buys newly created crypto currencies – currencies which very few people know about – and sits on them while they grow in popularity.
Some currencies have exploded to the point that thousands of pounds have been made overnight.
As more and more people jump on the new growing currencies, £50 can quickly grow into several thousand pounds in a matter of days… sometimes in just hours.
New crypto currencies, known as Altcoins – they are newer alternatives to the older well known coins such as Bitcoin, Ethereum, Litecoin and XRP – are being created and introduced to the world on a near daily basis.
When these new coins go live, a small £5 investment can be all that is required to generate a profit of several thousands.
Not all new coins do well, but those that do… do incredibly well.
If you would like to know more about Carl and how he makes thousands of pounds investing in new crypto currencies, click the link below:
The Crypto Sniper
Kind Regards
John Harrison
PS… You don’t need any prior knowledge…
Carl will teach you absolutely everything you need to know starting from the absolute basics in a clear and concise way. You’ll be left in absolutely no doubts what to do and when to do it.
Plus, you don’t need much in the way of capital to do this…
If you’ve got £100-£200 kicking around you can easily get started with that. It’s very easy to take a small sum like this, spread it across lots of different opportunities, and multiply it up over and over again. Before you know it, you can be sitting on a small fortune.
Here’s that link again: