How much are you worth?

How much are you worth?

Let’s take a minute to look at your assets and liabilities:

Assets (what you own)
Cash: checking account, savings account, money market, CD, treasury bills, silver, gold
Securities: stocks, bonds, mutual funds
Real estate: Personal residence, vacation home, rental properties
Business interests: business owner, MLM
Retirement funds: IRA, KEOGH, 401K, vested portion in company plan, annuity
Life insurance: cash value
Personal property: cars and other vehicles, household furnishings, boat, plane, 
 recreational vehicles, antiques, collectibles, art, furs, jewelry

Liabilities (what you owe): 
Current bills: credit cards, charge accounts, medical, dental, store cards
Debt: Unpaid bills
Taxes: income (federal & state), property (real & personal)
Mortgages: residence, other properties
Loans: auto, home improvement, education, life insurance, margin account

Total net worth = total assets minus total liabilities

Don’t like what you see?  Well, let’s start working on that.  Whether you’re looking for a full-time job or just a part-time gig to bring in some extra cash, there are many options. To help 
you get a better job, start by acquiring some new skills and do a quick resume brush-up.  

Check out www.abetterjobsearch.com to first see what kind of jobs are out there and which ones can 
offer you flexibility and security.Placing your resume online doesn’t mean a lot in a sea of faceless names available to 
employers.  

You need to get more creative, especially if you want to work from home.  Rather than posting a resume on www.monster.com, which will mostly result in getting you a ton of 
junk mail, try connecting with people you already know on www.linkedin.com or searching for 
local jobs at www.craigslist.com.  

Here are some other great resources:
• www.betterjobsearch.com  
• www.indeed.com  
• www.beyond.com  
• www.backdoorjobs.com  

You can also find some terrific freelance jobs online based on your expertise, at sites such 
as:
• www.sologig.com 
• www.elance.com 
• www.guru.com 
• www.ablestable.com 
• www.freelancejobslist.com       
• www.rentacoder.com       
• www.fiverr.com 
• https://www.odesk.com/

If you’re artistic, you can get paid for your creativity and accept as many or as few jobs as you’d like at:
• www.designoutpost.com 
• www.logoworks.com 
• www.logosforwebsites.com 
• www.cafepress.com 
• www.zazzle.com     

Sell your photography skills at:
• www.shareapic.com 
• www.123rf.com 
• www.shutterstock.com
• www.fotolia.com 
• www.crestock.com 
• www.dreamstime.com 
• www.bigstockphoto.com   
        
Virtual customer service jobs allow you to assist other companies from your computer.  If 
you have a landline, a computer, and your home is quiet, you can take incoming calls for 
companies or help them with data entry tasks.  See who is hiring at:
• www.arise.com 
• www.liveops.com 
• www.workingsol.com     
• www.homeworking.com 

 There are simply too many to list!  
Are you feeling empowered with your finances yet?  You should!  You probably already know how to do many things that companies out there are willing to pay you for!  Write a list of 
all your skills, talents, hobbies and interests.  You’re worth more than you know!

CENTSerely,
Trina Boice
(The FruGAL)

Money doesn't grow on trees

There are a ton of things you can do to bring in extra money to pay those bills and stretch your dollars.  

My dad used to always say, "Money doesn't grow on trees."  The fact is, nobody is going to just hand you money; you have to do something.  No, wait a minute...they just might! 

You may actually have free money hiding out there that you don’t 
even know about!  It’s true! Every state has an “Unclaimed Property” department which you can easily use to help you find money!  

Start at www.unclaimed.org, the website of the National 
Association of Unclaimed Property Administrators.  Every state’s procedure for claiming money is different, so be sure to check every state where you have resided and worked, and follow their 
guidelines.  Amazingly enough, you may actually have forgotten about some pennies out there!  

Hey, it’s worth a shot, and will only take you a few minutes online.   

I found a small paycheck my husband forgot to pick up when he did seasonal work for a company as a teenager.  (I would never forget to pick up a paycheck!)  I also found some money 
for my dad that was sitting in an old bank account he had closed years ago.  (Yes, I gave it to him and didn’t keep it for myself.)  You’ll need to produce certain documents to prove you are who 
you claim to be before the money is released.

Good luck and happy hunting! 


CENTSerely,
Trina Boice
(The FruGAL)