Showing posts with label personal. Show all posts
Showing posts with label personal. Show all posts

Wednesday, June 5, 2013

Why Should You Make a Budget?


Src:http://themoneytrack.com



You say you know where your money goes and you don’t need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny.

You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.

That is how much you could have saved AND drawn interest on in just five years. That, my friend, is the very reason all of us need a budget.

If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.

The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest.

See what I mean… it really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.  

Set some specific long term and short term goals. There are no wrong answers here. If it’s important to you, then it’s important period.

If you want to be able to make a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba… anything… then that is your goal and your reason to get a handle on your financial situation now.

"You must learn to save first and spend afterwards."                 - John Poole

Source:
http://themoneytrack.com/banking/budgeting/lesson-plan-setting-up-a-personal-budget/


Thursday, May 23, 2013

9 Self Improvement And Success Tips




1. Stop thinking and feeling as if you’re a failure, because you’re not. How can others accept you if YOU can’t accept YOU?
“I have not failed. I have just found 10,000 ways that won’t work.” – Thomas Edison
2. When you see hunks and models on TV, think more on self improvement, not self pitying. Self acceptance is not just about having nice slender legs, or great abs. Concentrate on inner beauty.
“Outer beauty attracts, but inner beauty captivates.” - Kate Angell, Squeeze Play
3. When people feel so down and low about themselves, help them move up. Don’t go down with them. They’ll pull you down further and both of you will end up feeling inferior.
I am a success today because I had a friend who believed in me and I didn't have the heart to let him down...” - Abraham Lincoln quotes
4. The world is a large room for lessons, not mistakes. Don’t feel stupid and doomed forever just because you failed on a science quiz. There’s always a next time. Make rooms for self improvement.


Some of the best lessons we ever learn are learned from past mistakes. The error of the past is the wisdom and success of the future.” -  Dale E. Turner
5. Take things one at a time. You don’t  expect black sheep’s to be goody-two-shoes in just a snap of a finger. Self improvement is a one day at a time process.

A journey of a thousand miles begins with a single step.                            - Lao-tzu, The Way of Lao-tzu
6. Self improvement results to inner stability, personality development and dig this …. SUCCESS. It comes from self confidence, self appreciation and self esteem.
When people believe in themselves they have the first secret of success.       ~Norman Vincent Peale
7. Set meaningful and achievable goals. Self improvement doesn’t turn you to be the exact replica of Cameron Diaz or Ralph Fiennes. It hopes and aims to result to an improved and better YOU. 
I feel that the most important step in any major accomplishment is setting a specific goal. This enables you to keep your mind focused on your goal and off the many obstacles that will arise when you’re striving to do your best. - Kurt Thomas
8. Little things mean BIG to other people. Sometimes, we don’t realize that the little things that we do like a pat on the back, saying “hi” or “hello”, greeting someone “good day” or telling Mr. Smith something like “hey, I love your tie!” are simple things that mean so much to other people. When we’re being appreciative about beautiful things around us and other people, we also become beautiful to them.
I don't look to jump over 7-foot bars: I look around for 1-foot bars that I can step over.  - Warren Buffett
9. When you’re willing to accept change and go through the process of self improvement, it doesn’t mean that everyone else is. The world is a place where people of different values and attitude hang out. Sometimes, even if you think you and your best friend always like to do the same thing together at the same time, she would most likely decline an invitation for self improvement.
Being willing to change allows you to move from a point of view to a viewing point — a higher, more expansive place, from which you can see both sides.~ Thomas Crum
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