Monday, October 29, 2007

Smart Spending

When I go out and spend my moneyand I have the time to sit back and think why did I buy that? especially when I am broke and whatever I happened to buy was expensive and I need that same amount of money but can't resell the item to get the money back or even get a refund because it was bought so long ago out of impulse spending. I want to stress the importance of disciplining one's self when it comes to spending and doing it so wisely!

The number one thing in every one's budget that is essential is food. So when you go shopping a good piece of advice to avoid impulse spending is to not go on an empty stomach. From experience I have done this time and time again and every time that I do it nothing comes from it but a bunch of junk food that I rarely get a chance to eat because it always expires or spoils, cause there is so much to cover by the time I get to it this is what happens. Word to the wise before going grocery shopping and also making meals one should plan well, they say planning could actually save you half off of a grocery bill. By planning this gives you an accurate assessment of what you need and what you don't need helping you to weed out any un necessary things that will stand in the way.

One thing that kills me about college students is that they love to go to convenience stores and shop for everything needed. Well this proves to be not so wise shopping. Convenience stores mark items up on average of about 60% more than the average grocery store. That same 2 Liter bottle of coke for $2 and some change that you are getting at The BP station can be about 60 cents at your local Wal- Mart you do the math! Dollar stores are a killer when it comes to hygiene products and almost everything in between. Always when shopping remember prices and compare this is your chance to save because stores do compete when it comes to prices!

Another good way to save is instead of purchasing Soft drinks, which are unhealthy anyway, is to buy concentrated drinks such as concentrated orange juice, or you can even save more on making tea all the time. One major savings that a lot of people are slipping up on today are the coupons being offered on the Internet. You can always Google coupons and subscribe to a coupon site where they will send you coupons for free to the email of your choice. All you have to do is print them out then redeem them at your local store for shopping. A good book that I do smart shoppers or wanting to be a more smart shopper is ''The Spending Guide'' By :Faye Prosser very interesting and informative and full of good advice and tips

One good major way to keep an eye on spending is to keep track of purchases by saving your receipts and also keeping track of all expenses that you occur monthly. At the end of the month one should sit down and tally up expenses, this will in turn give you a financial picture of where your money is going and how you really spend it

Spend wisely...

Monday, October 15, 2007

Knowing when the turkey is done!

Did I say when the turkey is done? Ok I was refering to a job in place of the turkey. Everyday each one of us gets up and goes to our job and in a rat race get off pick up the kids, go to the gym, go to school, or go to your second job. Whatever the case have you ever accessed your feelings? Have you ever got up and said to yourself God damn I really don't feel like working today? Well that is the beggining of one of the signs that your job isn't what you really want or you are not what your job needs. There are many signs that will reveal that you need to quit, I'll share with you mine. When you are unchallenged and you can look up your job ladder and it you don't see not that much room to elevate in your career. When you feel unchallenged, in my opinion it is time for you to re- channel all the energy that you are putting into something that you really don't want into something that you really like and want to do. I know you are thinking well I need this money, well at the same time you need a job that inspires you. In life we have to sacrifice in order to have certain things. Well I have seen and witnessed it time and time again and I'm sure you have too, people making sacrfices in order to have a big return in the future. Now is the time to take all energy and put it towards ations that will give you positive returns. One good insight is to be able to assess your situation and know when things aren't working out and be able to quit the situation and join a positive one. Channel your energy towards things that are more aligned with what you want out of life. When your situation is not improving that is another sign that it may be time to go..When you are feeling uninspired and drained but not getting any recognition time to move on were you can get some shine!

"Sometimes you have to get knocked down to get up!" Mystikal

Monday, October 1, 2007


When trying to attain a certain goal it is always important that you plan a course of motivation. When digging deep down within yourself it is important to be able to find an obect of motivation. An object of motivation can be for the benefit of a child's better life, your own life, for the naysayers, or simply because you want to do something for yourself extrodinary. In my case I have always liked to prove others wrong, when someone says it can't be done that is what makes me shoot even harder towards attaining a goal or completion of something. When given anykind of information I do not take it like it is a solid word and that is the end of it, I personally always do research. The people that surround you often can help or hurt your personal progress, it is up to you to sort out the individuals that contribute to your upbringing vs. the ones who are bringing you down. It is very beneficial that you have friends from all different age levels from young to old. People and friends at different ages can contribute alot toward a persons development as we all know everybody knows something that the next person doesn't know. I consult with younger generationista espeacially about technology, and with the older associates more wise things such as decisions that are crucial to life.

Be careful of toxic relationships such as friendships, girlfriends, and boyfriends. People can bring you down in various ways wether it be consciously or un-consciously watch who you let in your circle they can make you be motivated or they can un motivate and breakdown the very process that you are buliding. Be careful and choose wisely motivation is one of the keys to a succesful endeavor.