Are you tired of stressing out over never having money when you really need it? Well that is what saving is for. If you want to live comfortably in the future you really need to start by doing something about it now.
Saving has always been a way of life for people who believed on its power. These people know that they have to save more money in order to create a more established future.
However, as time goes by, more and more people find it hard to save money. They contend that saving is no longer a way of life but a resolution that they have to strictly adhere to just to salt away some amount of money.
Some people even insist that it is no longer possible for a person to save more money because most of them are already living paycheck to paycheck. With all the high-prices of commodities these days, saving more money is no longer workable.
But the point is that people can indeed save more.
How? Here is a list of some modern ways that will let you save more money:
1. Save some percentage from your salary
Most money-savers automatically take at least 30% from their salary and save them into their savings account. The basic concept here is that most of us spend whatever amount we have on our paycheck, and maybe even more. If you are able to limit that amount, your expenses will unexplainably get smaller.
2. Pay everything in cash
Credit cards had always been a way of life for most consumers. The problem is that they become so comfortable with it that they tend to spend everything on credit. In fact, statistics show that the average family has an average outstanding balance on their credit cards amounting to $7,000. And they even pay almost $1,000 in each year just on the interest charges alone.
Hence, because of this comfortable shopping, they forget to keep track of their expenses and accumulate more payables than what they can afford to pay.
3. Set goals
Create goals that you really want and not be fickle-minded about it. If there's a certain amount involved, be specific with the amount, like saying “I will save $5,000 in a year and not around $5,000.”
Try to set your goals based on your priorities. Have a period for every goal.
4. Check your company's retirement plan
With your employer plan such as the 401(k) or the 403(b), you can definitely save more money for the future. Here, your company will deduct a percentage of your salary from each paycheck and invest the amount in your choice of instruments—mainly mutual funds.
The bottom line is that saving is not just a way of life or a resolution. It's the ultimate gratification that you get as a fruit of your labor.
It is never too late to start, so start today and stop your worry about tomorrow.
Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.
Mahalo.
******************************************************************
Must Have Finance Tools and Resources
Want to save money while learning how to save money? Well Order the Budget Mega Pack and receive two valuable bonus ebooks for your collection. Hey, you earned it, why not keep it?
For more info and to Order Today so you can save On These Valuable Resources
http://www.renspubhouse.netii.net/finance.html
******************************************************************
Thursday, January 27, 2011
Monday, January 17, 2011
New Year, New Beginnings – Getting Control Of Your Life
Ah yes the new year is upon us and we all take the time to reflect back upon the past year. All our triumphs, all our defeats, all our dreams, goals, aspirations met and unmet are brought to mind. We sit back and ponder the changes we want to make in the upcoming year and boldly make our resolutions and plans to make the current year even better (or at least no worse) than the previous one.
Of course this being the first year in a new decade it makes it even more of a reflective time. We wonder where did all that time go? Wasn't it just yesterday that we were ringing in a new millennium? Time does pass so quickly when you are too busy to notice it. In fact if your are like most people you are too busy making a living to make a life. What ever happened to that bliss we once knew in childhood?
We end up killing ourselves by stressing ourselves out.
Oh we are too busy, there's this function and that function we must attend because we want to be seen by the right people. Oh what will the neighbors/co-workers/social status seekers/, think if I don't? Will I be considered uncool or left off the “A-List” if I don't run around all the time like a chicken without a head? But how can I prove I am the ideal person if I don't act/do/speak like the cool people on TV or in the movies? I must spend because if I don't have the latest fashions/car/biggest house/newest gadgets the “cool” people won't think I'm one of them. How am I supposed to impress everyone if I am wearing last season's clothes?
We run around filling our lives with empty meaningless garbage. Whether it is spending too much time playing on Social Media, or drinking one's life away at a club, or taking drugs, over exercising, empty sex (not the kind you have in a deep meaningful relationship between two lovers), or filling the time with soul destroying useless fake “Reality TV Shows”. Gotta update the Facebook Page. Don't forget to Tweet. What's on TV? Oh another fake “Reality Show?”, Oh goody. Oh gotta have that latest phone, and car. Oh well since life is too empty and pointless, might as well share the pain with these losers.
We are definitely the masters at wasting time, money and our lives.
Then you hear people complain about having too much to do and no time to do anything. We just stress ourselves out with these useless activities. Let's not even talk about money shall we? Martyring oneself seems to be the latest hobby. What it does is nothing more than an ego boost for the self centered. Let's face it the person complaining is trying to fill their emptiness with self pity, and looking for you to tell them what a great person they are, when in fact they are nothing but a empty shell of a loser.
There is a line from an old song that went:
“We work all our life, but work is a bore, if life is for living, what's living for?”
If you find yourself complaining about not having time, not getting enough sleep, not enjoying yourself or your life, well time now to stop. Yes stop the complaining, stop the running around. Stop the empty useless activities and take stock of your life.
Limit your time on the time wasting activities. Do you really need to Tweet everything? Sure Facebook is great for getting in touch with old friends, but do you really need to spend hours updating your status? Do you really need to drink and socialize every night? Every Week? Do those screaming banshees on reality TV really mean that much to you? Do you really need to spend so much on drink/clothes/shoes/toys?
The answer is no and the power to stop the stress in in you. The power to get control of your life is in your hands.
Like Facebook and the Internet? Going to the Gym everyday? Meeting with your book/movie/social club? Great, there is nothing wrong with spending some time on those activities, to get control you just need to schedule your time and stick to your schedule.
Do you really need the most expensive shoes or dresses or suits? There are just as nice ones for a lot less money and they all look the same. Do you have to have a new car every year? They tend to last at least 5 years these days. What is wrong with the old phone? Skip a cycle or two it won't hurt, I promise.
What you really need to do is just sit down, relax and find your real priorities.
Reflect on what it is you are accomplishing with each of your daily activities. Look at how you are spending your money. Make a list of all the activities you are doing every day, as well as what you are spending your money on, and you will be amazed at what you can cut out. It doesn't matter if we are talking finances or time, budgeting is the key to reducing all the stress in your life.
Once you get control of your finances and your time you will once again have full control of your life.
Once you get control of your life, you will find that bliss you had as a child.
Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.
Mahalo.
******************************************************************
Must Have Finance Tools and Resources
Want to save money while learning how to save money? Well Order the Budget Mega Pack and receive two valuable bonus ebooks for your collection. Hey, you earned it, why not keep it?
For more info and to Order Today so you can save On These Valuable Resources
http://www.renspubhouse.netii.net/finance.html
******************************************************************
Of course this being the first year in a new decade it makes it even more of a reflective time. We wonder where did all that time go? Wasn't it just yesterday that we were ringing in a new millennium? Time does pass so quickly when you are too busy to notice it. In fact if your are like most people you are too busy making a living to make a life. What ever happened to that bliss we once knew in childhood?
We end up killing ourselves by stressing ourselves out.
Oh we are too busy, there's this function and that function we must attend because we want to be seen by the right people. Oh what will the neighbors/co-workers/social status seekers/, think if I don't? Will I be considered uncool or left off the “A-List” if I don't run around all the time like a chicken without a head? But how can I prove I am the ideal person if I don't act/do/speak like the cool people on TV or in the movies? I must spend because if I don't have the latest fashions/car/biggest house/newest gadgets the “cool” people won't think I'm one of them. How am I supposed to impress everyone if I am wearing last season's clothes?
We run around filling our lives with empty meaningless garbage. Whether it is spending too much time playing on Social Media, or drinking one's life away at a club, or taking drugs, over exercising, empty sex (not the kind you have in a deep meaningful relationship between two lovers), or filling the time with soul destroying useless fake “Reality TV Shows”. Gotta update the Facebook Page. Don't forget to Tweet. What's on TV? Oh another fake “Reality Show?”, Oh goody. Oh gotta have that latest phone, and car. Oh well since life is too empty and pointless, might as well share the pain with these losers.
We are definitely the masters at wasting time, money and our lives.
Then you hear people complain about having too much to do and no time to do anything. We just stress ourselves out with these useless activities. Let's not even talk about money shall we? Martyring oneself seems to be the latest hobby. What it does is nothing more than an ego boost for the self centered. Let's face it the person complaining is trying to fill their emptiness with self pity, and looking for you to tell them what a great person they are, when in fact they are nothing but a empty shell of a loser.
There is a line from an old song that went:
“We work all our life, but work is a bore, if life is for living, what's living for?”
If you find yourself complaining about not having time, not getting enough sleep, not enjoying yourself or your life, well time now to stop. Yes stop the complaining, stop the running around. Stop the empty useless activities and take stock of your life.
Limit your time on the time wasting activities. Do you really need to Tweet everything? Sure Facebook is great for getting in touch with old friends, but do you really need to spend hours updating your status? Do you really need to drink and socialize every night? Every Week? Do those screaming banshees on reality TV really mean that much to you? Do you really need to spend so much on drink/clothes/shoes/toys?
The answer is no and the power to stop the stress in in you. The power to get control of your life is in your hands.
Like Facebook and the Internet? Going to the Gym everyday? Meeting with your book/movie/social club? Great, there is nothing wrong with spending some time on those activities, to get control you just need to schedule your time and stick to your schedule.
Do you really need the most expensive shoes or dresses or suits? There are just as nice ones for a lot less money and they all look the same. Do you have to have a new car every year? They tend to last at least 5 years these days. What is wrong with the old phone? Skip a cycle or two it won't hurt, I promise.
What you really need to do is just sit down, relax and find your real priorities.
Reflect on what it is you are accomplishing with each of your daily activities. Look at how you are spending your money. Make a list of all the activities you are doing every day, as well as what you are spending your money on, and you will be amazed at what you can cut out. It doesn't matter if we are talking finances or time, budgeting is the key to reducing all the stress in your life.
Once you get control of your finances and your time you will once again have full control of your life.
Once you get control of your life, you will find that bliss you had as a child.
Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.
Mahalo.
******************************************************************
Must Have Finance Tools and Resources
Want to save money while learning how to save money? Well Order the Budget Mega Pack and receive two valuable bonus ebooks for your collection. Hey, you earned it, why not keep it?
For more info and to Order Today so you can save On These Valuable Resources
http://www.renspubhouse.netii.net/finance.html
******************************************************************
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