Rags to riches stories are not only for those who want to be wealthier in their lives, instead everyone would love to read about the hard times the riches have spent to be at the position they are today.  These stories help one get inspiration as well as determination and to those who want to achieve a name in their lives.

1. John D. Rockefeller

Born in New York, John D. Rockefeller was one out of his five siblings. By profession his father was a salesman and rival of conservative ethics.  His father always refrained working hard for his family, and John’s family had poor financial conditions then. John got his first job for $50 (three months) as a book keeper. His continuous hard work made him build an oil refinery with his friend Maurice B.Clark in 1859.  Initially, it was the two of them running the factory but later, by getting his brother also into this business and consecutive efforts; Rockefeller became the World’s first Billionaire and found the company ‘Standard Oil Company’.

2. Liz Murray

Liz Murray had the worst childhood anyone can ever have. She was born to HIV-infected in New York. Her parents were drugged addicted and poor.  Her mother died when she was 16, and she was left all alone since Murray’s father also neglected her to be fullest.  She went to an ordinary school but succeeded in graduating in just two years because of her hard work. She got admitted in Harvard later, which changed her life. Today, Liz Murray is one of the finest speakers around, and she speaks about life’s ups and downs, determination and moving on in life no matter what. There have been a lot of movies being made on her life.

3. Ozzy Osbourne

Born in Birmingham, U.K, Ozzy’s father and mother were a toolmaker and car component dealers respectively. He went to school but couldn’t do well because he used to take more interest in extra curricular activities especially playing music. He was dropped out of school ultimately and in between, he worked from a tool maker to a plumber to a car factory worker.  Furthermore, he was blamed once for the robbery of a boutique.  He continued his passion for singing and became the vocalist for a local band. He was good enough in his work so created his own band named ‘Black Sabbath’. Despite getting arrested several times and a bad repute, he could produce nine studio albums, three live ones, and a number of singles, which are still worth listening and made to hit lists.

4. J.K. Rowling

J.K. Rowling was born in England.  After she was done with her school, she found out her love for writing stories, imaginary/fantasy stories. She used to travel a lot from one village to another. After her mother died in 1990, she moved to Porto. She got married there but later she was separated and was left with a daughter.  She had already started writing the famous Harry Potter Novel. Rowling and her child moved to Scotland. She kept writing the book but became an anxiety patient and tried committing suicide several times. She completed the first novel but traveling to different places, cafes, etc. But today, J.K. Rowling is a billionaire with more than 400 million copies being sold.

5. Richard Branson

Richard Branson was born in London. He belonged to a nice family. He did receive good education but his interests were otherwise.  During his childhood, he liked raising parrots and growing Christmas trees but both failed. In his teen age, he set up a record mail-order business. He continued with this work and opened several record stores and this business of his boosted even more in 1980s.  His brand became a music label named Virgin Records, which made him the 245th richest man in the world. Read the full story

Christmas season arrives, and you are all set out to shop, shop and simply shop. Though Christmas is meant to be a season of blessings, it certainly should not be converted into a season of debts and over expenditure. Remember it’s the essence of being together, being happy that counts, not the quantity of gifts that counts. Still if you have to spend, here are some tips to save money on Christmas.

Optimize A List

You may have a hundred thoughts on what to buy, what gifts to give and to whom. You may also have to think about decoration, clothes etc. But have you actually narrowed that list, into choosing only something that is extremely relevant? Well, if you have not, start! Until you do not make out a list, indicating the most necessary items, you would have no control of your budget.

Stick To Your Budget

Remember that spending over your budget for Christmas shopping means, getting your credit high, and high credit equals debt problems. So in order to avoid any unwanted incidents, try sticking to your budget. Spend your savings on Christmas gifts, instead of extracting it from your credit card. Start keeping a special occasion’s savings a few months before Christmas. Read the full story

As during these days almost everyone is looking to save some money on their Christmas shopping this year. So in order to achieve this it is very important to create a budget for all the Christmas shopping.

I have written this article in order to facilitate consumers to create a Christmas budget in just 5 simple steps.

5 Steps to create a Christmas Budget

Following are a few of the steps following which you can create a Christmas budget:

Read the full story

With Christmas just around the corner, everyone is saving up to buy gifts for loved ones. However, there won’t be much good news for credit card holders on this Christmas.

Increased interest rates will have an impact on Christmas shoppers.  Credit card firms are increasing the interest rates by approximately 7% in the coming months.

Buyers are required to pay approximately 40% interest on their Christmas gifts.

Read the full story