Fear is one of the strongest emotions that most people express about their financial circumstances. Some of the fear is unjustified; but we all do experience these emotions at a point in life. Sometimes it is triggered by a thought of losing a job, panic when the stock market is plunging or other factors. I …
The imbalance between the efforts applied and expected or acquired results equals to frustration. Have you ever felt like you have tried all you can and yet see no progress? Ever worked on something so hard for so long and no result or progress? That is the feeling am talking about. I kinda felt that …
Having been raised in a Christian family, i was taught about giving and tithing ten percent of all allowances received. This was reinforced in church and school as years went by. While this was good in all manner and form, it left me with a constant sense of guilt whenever i went to church without an offering. …
You may have heard of “The Pareto principle” also known as the 80-20 rule It suggests the law of the vital few, and the principle factor of sparsity stating that, for many events, roughly 80% of the effects come from 20% of the causes. An Italian economist Vilfredo Pareto created a mathematical formula describing the …
Valentine’s Day in my opinion is a marketing strategy for big shops to get you into their doors. They know you will feel guilty if you do not buy something pricey for your significant other. They run television ads to form expectations, and once you watch these commercials over and over, they have you hooked …
There are so many things that Google can help you accomplish, and it is exciting to learn one new extra thing that you can do each day. To some people this might not be news, but it might be new tricks to some. This amazing ‘trick’ saved me quite a lot of time before I got a …
This is article was published earlier last month, but I felt it was necessary to publish it again. Unforgiveness – A debt that you need to pay NOW Financial debt is a baggage that takes grip over the financial aspect of our lives preventing us from living our potential. Similarly unforgiveness is a baggage that chokes …
One great ways of saving money that we have adopted is ‘freezing’ grocery spending except for daily consumables like milk and bread. We do this by cleaning out our pantry once in a while. This has proven to more fun than we though as we have to be more creative in making healthy foods with the only the stuff in the pantry. When we have done this successfully, we have saved up 75% of our grocery shopping money, and we put that into paying some debt.
Before we went through the Dave Ramsey’s FPU, if you would have suggested to me that i can use cash in an envelope to manage spending, I would have told you that you are out of your mind.
It’s impossible for you to keep all your information private. Every time you go to a doctor, your insurance card and drivers license is photocopied and available to anyone who opens your folder. At a restaurant, your credit card is taken away and returned some time later, with copies easily made. If you write checks to pay your credit cards, you may write your credit card number on the check, which is seen by any number of people who handle the check. You can’t eliminate opportunities for identity theft, but you can make it much harder for the thief.
