Russell Barbour's (phyrb) Blog

When you're struggling, living paycheck to paycheck, striving towards minimizing your overall living expenses and bringing more money into the household should definitely be on your to-do list. While minimizing your expenses can be as simple as nixing fast food or moving to a smaller apartment, i...

Do you find yourself feeling like you won’t ever have enough money to stop working? If so, it’s time to perk up.You can retire sooner than you think by making some changes now. Use these strategies to retire sooner than you ever dreamed of:1. Identify activities that bring you joyIdentify activit...

I came across this in the newspaper this morning, and it nearly made me spill my coffee.  They are charging £100 for a bouquet of flowers!!!!! No wonder so many people are turned off by Valentine's day with all the overpriced chocolate and flowers...  We seem to forget Valentine's day is a celebr...

Christmas is just around the corner, have you started your gift shopping yet? I know this year many of us are under a lot of pressure financially. With Christmas coming up, this can add extra stress… The truth is, celebrating the holidays doesn’t have to be expensive. Here are 6 tips to help you ...

Are you considering finally joining that MLM company your friend has been nagging you about, as a way to earn extra income?  I was too, and got VERY close before I found a much better alternative - Affiliate marketing.  In case you are still contemplating, here are 10 reasons why Affiliate market...

With the new world we are in, post COVID-19 (although I am not sure we are out of the woods yet…), home based virtual assistant jobs are in high demand, more than ever before. If your income has been reduced by the pandemic or lost your job, home based virtual assistant jobs might be an area to e...

Looking for Free activities for kids to do all year round? Entertaining kids can be expensive and stressful, especially if you are on a budget! But you will be surprised... most of the time, what children need is NOT us spending money on things and places to go. Instead, they need our undivided a...

  How do you create a truly profitable business model? We’ve recently had some big reminders that while hyper-growth and raising big sums of money can seem cool, it is risky for everyone involved if there isn’t an underlying profitable business. You might be able to get away with operating in the...

I know many real estate investors that are looking to buy something in this market that will help diversify and protect the wealth that they have created over the last decade. The big question is: What are people investing in and why? As the stock market goes down, so does mortgage rates. We are ...

What Do I Need To Know About Hard Money Loans? Not everyone has heard the term “hard money loan”, yet, it’s something that some people rely on. Also known as a “private money loan,” hard money loans are short-term loans that are secured by your real estate. Private investors fund these loans rath...