19 Apr 2012

Spending More Than You Earn?


When you spend more money than you earn each month you're bond to have problems very quickly. The bad is that the most of us  never realize we are spending that much until it is too late.

Go through every monthly required bill . Ask yourself Do you really need that Netflix enough, or could you just rent a movie once in a while from redbox?  Do you really use your cell phone much at all, or could you just replace it with a pay-as you- go phone?  Then. Go through each bill and see if there are any optional services you can eliminate. 

  • Do you really need premium cable?

    Do you really need unlimited text messages? 

     

     Keep diligent track  of your spending.   Keep a notebook in your pocket  and write down every expense you have. The simple process  of doing this will make you think twice  about unnecessary expenses written down, take careful look at them. Ask yourself  whether or not each of these expenses  actually contributed  to the value and joy of your life. That process will offer  a lot of  insight for you as to where your spending is going to waste.

    Difference between Wants  & Needs.  You might need groceries , but want lobster. What's important in your life? What do you value? Begin to look at your purchases and identify  then as need or want. Stick with only the needs until you get your spending under control.

    Bulk is Good. Think about shopping and buying in bulk. Save money grocery  shopping  by planning meals. In advance and bulk-buying, you can also  save money by cooking in bulk. This is a real way you can save money with little preparation and almost no extra outlay .Always purchase generics when you can.

    Stop Using Credit Cards. Pay everything with cash or money orders. Don't even use checks. It's easier to overspend when you're pulling from a bank or credit account  because you don't  know exactly how much is in there. If you have cash, you can see your  supply running low. You can even bundle  up the predetermined amount of cash  allocated for each expense with a label or keep separate jars from each expense.

5 Apr 2012

10 Tips To Brake The Routine.


Routine makes you stick to the usual way of doing things and not look for new or innovative ways  to do better.And while you're  busy  enjoying this comfort  zone, others are creeping ahead of you. This is why routine is a real and present danger in this day and age.

  • 1) Change your mindset. Stop thinking that change is a risk whatever you do be creative, at your job and daily life. Just be creative and do something new. Old ideas may work...at some point, but it doesn't guarantee for current and future issues.

  • 2)Take it easy. It's like being baby again...step by step... you don't have to make a huge change in a few days, change your routine a little at time and you'll gradually build up the motivation to change more.

  • 3) Are your evenings packed with emails and chores? Or do you spend your evening hours drifting around the house aimlessly watching TV  and pretty much filling time until  you go to bed? Neither is specially healthy. Why dot to go out for a weeknight, for a change? this will make you go to bed satisfied that you've done something interesting and enjoyable.

  • 4) Plan your calendar. Once you know your priorities, sit down with your planner and see what you can make adjustments. If you don't schedule those things that are important to you they will always take get pushed aside.

  • 5)Take a brake from barriers and boundaries. Do something you did not know you could. Overcome your fear and amaze yourself.

  • 6) Do something totally out of the ordinary regularly.

  • 7)Sometimes our routine become boring because we lose the sense of wonder, we're no longer guessing what will happen and know almost exactly how our days will play out,  so shake it up!! Take a different route to a place you regularly go, visit a new place, do something you're nervous to do.Take a new project,or maybe it's as simple as doing one of these tips if it's way out of your regular routine. adding something new to your business (or even your personal life)

  • 8) Learn a new language, it's very helpful on life and it will open you many doors ahead and I'm sure that your brain will be very grateful because it will keep your brain cells awake .

  • 9)Get your full quote of sleep. The easiest and most pleasurable way to do this is, get into bed a little early. Prepare for bed time like you would for a date (and bed time will be wonderful way to date yourself) Take a warm shower, pamper your skin with a softening after bath lotion, dim the lights, and climb into the comfort of crisp. clean sheets, breathe deep, and let your mind gradually settle into restfulness.

  • 10) Don't forget to relax because it's very important to enjoy every second.

3 Apr 2012

The change challenging


The day I decided to move on. I found it hard at first,  It was a lonely and dark night of January, feeling the cold on my face while thinking about some old thoughts ...It was something about how to live a change in my own life. I have seen many changes in others life but not mine...it was something wrong I thought. how to do it? Why I need a change? It’s because the life am living becomes a little harder than it was? ... so many questions and not much answers.

Changes are everywhere, every second we live, every heartbeat, every breathing, every step we take, every thought we have on mind is changing us. Yes, changing seems hard but sometimes is necessary and there’s a huge reason to move from the past to let go all the pain... living as we want to get the freedom we deserve as human beings. All is in constant changing. The genetic, technology... don’t you think ? are we living the change we deserve?   Many questions isn’t it? I hope to find out  some answers myself...