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Are You A Savvy Spender?

By Bigg Success Staff

Test Yourself


There’s a lot to be learned if you want to manage your money effectively. You have to know how to set aside money in the first place and then know where to invest it once you have it.

It all starts with spending. Some people spend too much money, failing to save for unplanned events and important priorities. Others are too miserly – they’re so focused on the future that they don’t enjoy what they have today.

Find out where you stack up!

The good people at MSN have developed the Savvy Spending Quiz to test your money management skills. Just answer the 20 questions – it will take you less than 10 minutes – to know how you stack up!

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There’s Gold In Them There … Customers!

By Bigg Success Staff

Bigg on Small Business


One of the biggest assets in your business doesn’t show up on your Balance Sheet. It’s your prospects and customers. Do you have a system in place to mine the gold in your database?

Panning for Gold
You have to know what you’re looking for. After all, you don’t want “fool’s gold”! You want to find nuggets of information that you can turn into money!

To find those nuggets, you have to develop an information-gathering system. What you use will depend on your business.

For example, think about a car dealership. Customers bring their cars in for service. They park their cars and turn over their keys. One of the employees of the dealership pulls the car into the garage when they’re ready to service it.

Is there gold in that process? At least one car dealer we know of found some!

The employees paid attention to what radio station was playing when they turned on the car. They developed a system to record this information.

With that information in hand, they could look for the bands of gold!

Bands of Gold
What do your customers have in common? In the example of the car dealership mentioned above, they found what radio stations their customers commonly listened to. Now they knew where to advertise!

As you get good at gathering and systematizing information, you may find a number of “bands”.

For instance, let’s assume that you have a business that appeals equally to males and females. You may find that the men tend to buy certain products of your business and the women buy a different set of products.

Some customers may only respond to special offers, whereas others always buy “the best” – your most expensive product or service.

The specifics will depend on your business. The key is to develop a system that helps you find common elements within your contact list.

Gold Mining
Now that you’ve discovered the gold, you have to mine it. It doesn’t do you any good otherwise!

Your marketing efforts are likely to be much-more cost effective now. For example, if you have customers who always respond to special-offers, offer them something special! If you have customers that only buy the best, show them more of the best!

If the men buy certain types of products and the women buy a different set, promote the respective products only to that target.

Sounds simple, doesn’t it? It’s a simple idea that’s not necessarily easy to execute.

However, mining your contact database will likely be much more productive than mass-marketing. Consider getting professionals involved to help you design the right campaign to get the most gold!

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3 Tips To Thrive In Your Career

By Bigg Success

Personal Branding

What does your brand stand for? We’re talking about YOUR brand – YOU, Inc.

What does it mean to the world?

Your brand is a promise. It’s a promise of the value that you say you can deliver. It’s a promise to yourself of what you will be.

Brands grow when they deliver the promised value. That’s how they build trust. That’s why their customers come back time and time again.

Here are three personal branding tips that will help you thrive in your career:

Be consistent

Good brands deliver consistently. Here’s an interesting tidbit – you’re better off being consistently average (read that as mediocre) than having occasional spurts of greatness followed by spells of disappointing performance.

People base their decisions on expectations. If they don’t know what to expect, they won’t buy what you offer.

This also goes for personality. It’s hard to work with moody people. It’s okay to be moody, just don’t share it with the world! Learn to control your emotions so you present a consistent temperament.

Of course, you don’t want to be average. You want to be exceptional. That’s where the next two points come into play.

Good brands live up to their promises. If you tell someone you’re going to do something, do it!

This statement probably won’t surprise you – a LOT of people don’t follow-through on what they say.

Use that to your advantage. When people know they can depend on you, they’ll happily give you more and more opportunities. Everybody wants a go-to guy or gal.

Improve continually
You can only exceed someone’s expectations once. Do you believe that?

You shouldn’t.

But it’s true if you don’t continually improve yourself. When you exceed someone’s expectations today, they’ll expect that same level of performance tomorrow. So you can only MEET their expectations the second time.

Is that a blessing or a curse?

Bigg goal-getters think it’s a blessing. Because it challenges you to constantly improve yourself so you can exceed their expectations every time. It turns this thing we call work into a game. And isn’t it fun to play games?

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For What Will You Be Famous?


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How To Become A Millionaire

By Bigg Success Staff

Timeless Principles


Do you want to be a millionaire?

Here’s a long-standing success formula that a lot of millionaires have followed:

Borrow a million dollars. Pay it back. You’re a millionaire!

Sounds simple, doesn’t it?

Well, you’ve probably already figured out that it’s not quite as simple as it may sound. So let’s discuss some details of how to do it.

It’s much easier to borrow money if you have “skin in the game”, as lenders often call your stake in any deal.

How much you’ll need to put in depends on a number of factors – what you plan to invest in, the market conditions at that time, the lending environment, your personal history and resources, and more.

You’ll generally need between $100,000 and $1,000,000.

You ask, “Why would I borrow $1 million if I already have $1 million?
We answer, “So you can have $2 million!”

Now, you object, “But I don’t have any money available.”

We answer, “Find a partner who does.”

Of course, you’ll have to share the proceeds with them. But so what – as long as you’re making progress toward your goal, why do you care?

Track record
You need a good credit rating to borrow money. These days there’s a flight to quality. The higher your credit score, the better. So if you don’t have a good credit rating, work hard to improve it. In the meantime, find a partner with a good one.

It also helps to have of past successes. Start small and begin building your track record. Or team up with someone who has a track record, but needs something you can offer.

You can’t just buy any asset – an asset that goes down in value won’t help you reach your $1 million goal. You want to buy something that will go up in value (or at the very least, hold its value).

How do you do that?

First, calculate your return. Divide the cash flow you will receive before your loan payment by the price you will pay for the asset.

Now compare that to your interest cost.

Is it greater?

If the answer is “yes”, then you may have a good investment. If the answer is “no”, you almost definitely don’t.

You’ll want to weigh in other factors, but that’s beyond the scope of this article.

Want to learn more? E-mail us at!

Just type “I want to be a millionaire” in the Subject line.

Here’s the secret that millionaires have been using for years – they let their customers pay off their debt!

Think about it this way. Let’s say you own a duplex. You have two customers who pay their rent every month. You then pay the mortgage on the property. This continues month after month, year after year.

Before you know it, you own a duplex outright! You haven’t done anything extraordinary. You’ve just let your customers pay off your debt!

It’s not simple, but yet it is. You need some basic business skills before you start.

The reason this works is it’s a forced savings program. Your money just keeps growing year after year.

This is the timeless secret that a lot of millionaires have used to build their nest egg!

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Busting Into A Niche

By Bigg Success Staff

Success Stories 

There are experts on everything these days. Just ask Elisabeth Squires, who’s also known as “The Boob Lady”. That’s because she’s the author of the book – bOObs: A Guide to Your Girls – which was released last October.

Since then, she’s been very busy. She was featured on Good Morning America. She’s gone on tour to promote her book. And she’s sold nearly 10,000 copies!

And made a lot of bosom buddies in the process!

That’s her favorite part – meeting all the girls and women, and helping them learn to appreciate their bodies so they have more self-esteem.

Elisabeth can talk about that now, but it took a journey to get there.

She spent the last twenty years raising her three children with her husband. In her spare time, she served as a volunteer for the arts and her kid’s schools.

As a woman who has gone from being a 34DD in high school to a 36EEE with pregnancy, she understands the change that women experience.

A few years ago, she elected to have a breast lift to align her breasts with her petite frame. For the first time, she felt comfortable with her proportions. She’s a 34C now.

And one more part of her journey – she helped her mother survive breast cancer.

All of this led to her defining moment.

She was taking a creative-writing class. One assignment helped her come to grips with why her breast lift made such a difference to her.

Her piece was a hit! She decided to write a book of “mammoirs”. She would relay women’s’ stories about their breasts.

She started researching her subject. She bought mounds of books. She talked to anyone and everyone who had anything to do with breasts – oncologists, lingerie shop owners, plastic surgeons, bra fitters, and every woman, young or old, who would share her story.

What she learned from her research is that the world didn’t need her book!

There were already plenty of resources available that essentially did what she had planned to do. Her breast work would be an “owner’s manual” – think of it as “Boobs for Dummies”!

It would be a one-stop resource for girls and women. Full of practical advice to help them understand themselves and their bodies.

She was excited about her project. But it was hard work! She pressed on. Halfway through, she realized she would make it – she would become The Boob Lady!


Seattle P-I
'The Boob Lady': She's on a mission to create the breast 'owner's manual'

By Athima Chansanchai

Seattle P-I
Four Seattle women pursued their dreams to success
By Athima Chansanchai