How to Stay Debt Free with a Personal Budget

November 18th, 2009 by Administrator

If you are reading this, you are most likely searching for a way to get control of your finances. Producing and committing to a monthly budget has always been one of the ideal methods to do this. A sound budget is a fundamental tool for managing money, one that has allowed me to live well even on limited funds. Organising my monthly budget is one of the most crucial things I do every month, this has allowed me to consistently meet all expenditures, grow my savings, and reduce debt.

I map out my budget for the coming month on about the 20th of the current month. That gives me a heads up about what’s down the road. It’s not a good idea to develop a budget after getting paid because, too often, that flush feeling of getting a paycheck leads to uneccessary and spontaneous spending before the paycheck ever reaches the bank.

Start your personal budget by determining all the things that must be paid that month like rent, electricity bills, insurance policies, loan repayments and telephone bills. These are the crucial things that I must pay to keep a comfortable roof over my head. I like to pad these requirements to make “money back” after paying the bills and, if costs increase circumstantially, I’m always covered.

Next, my budget is subjected to a list of discretionary things I need to cover but could live without if absolutely needed. An example are monthly savings deposits, credit card repayments and donations. Don’t get me wrong, some of these things are also important, but in case of emergency they can be excluded. By paying credit card companies the maximum instead of the minimum, I keep my credit score high and my debt low.

My budget does not include the cost of living such as food and entertainment. These expenses get covered by what’s left over and that’s that. Some months involve lots of beans and rice, slow-cooker meals, free or cheap entertainment, and only one inexpensive piece of clothing . This strategy of handling my monthly budget has worked out very well over the long term as long as I observe it religiously.

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Importance of Monthly Household Budgeting

September 22nd, 2009 by Administrator

Handling my household budget can sometimes be really bothersome, but not overseeing it can put me into financial debt before I realise it. The benefits from managing mybudget correctly not only saves me money but also helps relieve tension from debt.

There are many things that I have in my life that regulate me financially, my family budget is the deepest influence. There are not many people today who have learned how to budget and this can lead to many financial issues, including debt. Many of us think that creating a budget was too difficult, this is the main reason why people get in to trouble. Actually, producing a budget does not have to be troublesome at all; it can be as easy as penning down what we spend and keeping up with it each month. By doing this, we do not spend more than we have.

It is crucial for me to keep in mind that my budget is just my program for my monthly spending. Just like any programme, mybudget does call for me to supervise it to keep it operating correctly. The first step in creating my budget is organising the information that I need in it. I keep track of expenses like car loan repayments, utilities, car insurance, living expenses, etc. If I do not organise mybudget, I can easy find myself in debt. It is essential for me to know exactly what I need on expenditures each month.

I see two advantages with keeping up with my finances through my budget. Firstly, it eliminates superfluous spending. Secondly, I can keep myself from going into unnecessary debt. When I spend my money wisely, I buy only things that are necessary and I free up money that I can use on something that I want or can save it. With the spare money I am able to save, I have the option of putting it aside and investing.

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Love Professional Dallas Singles Events Mania

June 20th, 2009 by Administrator

Usually, I ignore my emotions, but I didn’t always have Great Expectations for my dating life. Get this, yesterday I filed three years of back taxes. During my birthday party of loneliness, no less. Don’t judge me (j/k!). Am I crazy? Well, that’s the moment when I seriously looked into finding a date in my area.

Nothing that can’t be fixed. I can mix up my social life with Great Expectations Denver. Definitely isn’t a bad idea. My dating life is worth bringing up. While eating corn on the cob at Julie’s soccer finals in Dallas two weeks ago, my sister started bothering me if I have settled down with my true love. At first I didn’t know what to say to that. So, I said, “what’s your deal, yo?”

And of course Gramps doesn’t know when to quit driving home along the lines of my companionship situation. I said to each of them: “Seriously, my romantic destiny is right over there!”

How can they be so rude? They smiled politely. Immediately, I rang Margaret just to get some perspective. What a waste of time! I would have learned more by asking my son. Nina, who wrote to me from Egypt, advised that I meet singles at Great Expectations. I said, “That would do the trick.” But it really was a good idea. I love this dating service full of fun and desirable Dallas singles.

At the time, dating services were kinda foreign as I am a simple guy. I was a bit nervous at first, that I spilled a glass of wine on my blazer. A mere emotional anxiety could not bring an end to a great time. That night I enjoyed was bursting with excitement. The greatest most memorable part of it all was the other members, some who are my new friends.

It’s been a pleasure to party at these splendid Denver Singles Events and parties at Great Expectations, I rubbed elbows with a collection of dynamite friends that obviously have similar ideas for how dating should be done. Can’t imagine why I used to let everyone give their two cents about me being single at my age. Wonderfully enough, matchmaking in Dallas with Great Expectations is a good time and a remarkably refreshing dating experience.

Matt

Dating, and Loving it

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Hoping for Spirit in the Throws of Medical Hair Loss

June 19th, 2009 by Administrator

You know, invisible lace wigs were not even on my radar. Anchoring the nightly news was what kept me pretty busy. That was true till the moment I lost my hair due to medical hair loss. I pronounced that I wouldn’t sign off on the chance of appearing on TV as a balding Bruce Willis by sheer dumb luck.

Personally, this meant that I lost my identity, bereaved of my trademarked hair do. This was a sign that that it would be hard to recover fabulous hair. Man, I was wrong. Way before I found my new real wig, I attempted a barrage of ridiculous synthetic hair extensions that didn’t suit my complexion. My soulmate Harry found me some dignified wig stores where I could get lace front wigs that would look great.

Well I got online and sized up the selection. I found an inventory of glorious, beautiful lace front wigs. Their breathable African American wigs made me so happy!

Provided the perfect wig, a proud individual similar to myself can develop fearlessness working towards admitting to her medical hair loss. Never have I been so inspired to show off my fashionable hats. It was exhilarating to proudly display my new look at the family picnic.

It wouldn’t surprise me if things are not as great as they seem, but remember my style is an important aspect of your confidence level. Is there more things to reality than a beautiful head of hair? Boy, it doesn’t matter if someone told me otherwise. Here’s the good news: women’s hair loss can be beat!

You can’t understand what these blessings have meant to me. No one has noticed about me and wearing a wig. But there you have it, I’m very set to to strut my stuff. Fashionable women’s medical wigs improved things for me.

Shallow people might call this method silly. It’s not. What makes being alive so fantastic? Speaking for myself, the secret is my family and my attention-getting sense of fashion.

Care for Your Wig,

Monica Sullivan

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Is Being Bald the Current Leading Craze?

May 30th, 2009 by Administrator

Men have forever been self sensitive about looking bald, but nevertheless, these days being bald is fast becoming a fashion look. Many of today’s male movie stars are also having bald heads. You can find many of the trendiest up & coming celebs with bald heads, by decision. There are also numerous older celebrities that are not covering up the truth that they are going bald. These looks are amazing for men, that don’t need to worry about being bald. The additional excellent advice for men that are losing their hair, is that there are even more advanced hair solutions, then ever before. For hair loss advice and treatments, visit Advanced Hair Studio.

Should one need reassurance that being bald is accepted just look at Vin Diesel, Howie Mandel, Bruce Willis and Andre Agassi. These men are some of the most attractive men in the US, & they are all bald. Whether bald by choice or by nature, baldness might make you look really distinguished and popular. When men are bald and bold, they are particularly sexy. Just like any fashion, being bald is all about attitude. When people are bald you need to own a positive attitude, then you can have no doubt attracting girls.

If you are going bald, but you are not yet hopeful with your brand-new expression, there are countless cures out there. Lots of hair loss remedies, help you grow back your own natural hair. When you grow back your own hair, it will look and feel effectively natural. Growing back your own hair can aid you look & feel younger, & can often aid you feel even more confidant. Growing back one’s own hair is an excellent option, because you can continue to look like yourself, only younger.

Should growing one’s own hair back is not an option, there are additionally various advanced hair remedy that will help you get a full head of hair back. No matter what sort of baldness problems you are having, rest assured that there is a hair loss therapy that can apply for you. Some of the advanced hair treatments are more involved, & it can take a longer period before you have a full head of hair. Lots of men worry, about their hair looking natural after they use these advanced hair therapies. Be sure to chat to the doctor or the person doing the hair treatments, to make sure you absolutely understand the results.

The most vital thing regarding hair loss, is that you feel natural & comfortable. If you feel handsome bald, do not worry about getting hair loss treatments. If you are self conscious about your thinning hair, you are not alone. If you do your fact finding, and pick up the finest hair loss treatment for you, you are sure to feel great with your hair.

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Ambitiously Pursuing Your Own Self

May 19th, 2008 by Administrator

(Excerpted from The Power of Ambition series)

What is the origin of true ambition? There exists really only one place to find true ambition and that is within you - in every thought, in every movement, in every motivation. Your ambition is an expression of who you truly are, your own self-expression.

Self-expression. Isn’t self-expression really self-direction? How you think, how you move, how you motivate yourself. Ambition is a result of self-direction and self-direction is one of the six key principles necessary for building ambition. Positive self-direction says, “I know who I am and I know where I want to go. I’m accumulating knowledge and experiences and feelings and philosophies that will help prepare me for opportunities that I know will show up without notice or any help on my part.” Because you know where you want to go, you have already been working on the parts of your personality that will make you better. Working on your attitude, working on your health, working on your time management skills. Putting it all down on paper. And you constantly see yourself in the place you want to be, going in the direction you want to go.

Direction determines destination. So here is a question you must ask yourself, “Are all the disciplines that I’m currently engaged in taking me where I want to go?” What an important question to ask yourself at the beginning of the month, the beginning of the week, the beginning of the day. Because here is what you don’t ever want to do - kid yourself. Kid your neighbor, kid me and kid the marketplace, but don’t kid yourself - fingers crossed - hoping you will arrive at a good destination when you’re not even headed that way. You have to ask yourself often, Am I? Am I doing the disciplines that are taking me in the direction I want to go? Don’t neglect to ask these important questions, questions that help determine your direction, the set of your sail, your destination.

Is this the direction I want for my life?
Is this someone else’s direction?
Is this a goal I have been ingrained with since my childhood?
Is this goal my parent’s, my spouse’s, my boss’, my children’s or is it Mine?

Ask yourself these questions and then debate them. After you have answered these questions within yourself, then take it one step further and ask, “What am I doing that is working or not working?” Debate it all. Work with your mind to figure out the best possible direction for you - your self-direction. And then ambitiously pursue your own self-direction. Let the power of your own ambition take you where you want to go, to do what you want to do, to create the life you want to live!

To Your Success,
Jim Rohn


Reproduced with permission from Jim Rohn’s Weekly E-zine.
Copyright 2005 Jim Rohn International. All rights reserved
worldwide. To subscribe to Jim Rohn’s Weekly E-zine, go to
http://Jim-Rohn.InspiresYOU.com

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Nothing To Lose

May 8th, 2008 by Administrator

I stormed out of the office and headed for the patio area in front of my office building. It was October 2003, and everybody knew what happened. Ever since our division consolidated in February 2002, there had been more “closed door” conversations than ever, and when they involved me, I usually came out angry. This time I was madder than ever. I was sick of the office politics, sick of the cliques, sick of people sneaking around the rules - and you can only take all of that being sick so long before you explode. After complaining to my supervisor for the umpteenth time about the state of affairs, we both cracked. I told her I was disappointed at the lack of morals and integrity, and she told me that I needed to just shut up and get professional help for depression if that’s what it took to quit complaining. Here is the ironic part: I have a degree in psychology.

I stared down the tree-lined street wondering how it came to this. When I was hired 1998, things went well. I worked for a wonderful person that trained me well and had faith in my ability to learn and grow. After a year and a half, I was promoted to another job that required me to move to a different office. This too went fairly well, until we consolidated three years later. Then everything changed. It went from a small, easy-going office to a large formal setting where cliques were common and conformity was prized above all else. A tense atmosphere where politics ruled the roost and pressure to make the “right” people happy replaced the laid-back demeanor of our office. If you didn’t conform to the system, you were shunned.

It didn’t take me (and everybody else) long to find out something vital about my character in the time that followed: I’m a non-conformist. Although I tried blending in and making people happy, I eventually grew frustrated with putting on an act. I was raised in a strong Christian home where faith and integrity are the highest values, and the new politics were in direct conflict with everything I believed. It finally spoke up, only to be ridiculed for my ethics and labeled a radical that needs to be put back in my place. Then they would turn around and tell me not to take it personally, and that if I thought they didn’t like me, I was paranoid. The nerve of them to question my mental state after all of that flip-flopping! I was the only consistent person in the office whose actions matched their words! For a strong individual like me, the entire time was downward spiral into hell.

As I stood outside trying to calm myself, I realized what the true problem was. I had placed my fate in their hands. For years, I had worked hard for these people, hoping they would eventually reward me with promotions. Now I could see that my faith had been misplaced. Moving up through this organization is more in who you know and how much they like you than your credentials. I clearly realized that my career with these people was over. I wouldn’t play the game, and because of that they were going to stop at nothing to try to drive me out, or at least drive me crazy. I was a fool to place my future in the hands of people whose only interest was in how I could keep the work flowing and improve the bottom line.

Since I had no friends at work, I turned to writing to work through the frustration caused by the clash between my values and work environment. It has been a lifelong hobby of mine, but since my husband and I bought a computer used it to work through personal issues of faith. I eventually found enough courage to submit a few of my short stories for publication, and had been fortunate to win a writing contest and get several other stories published on the Internet and in small publications throughout 2003. I also spent three years writing a manuscript for an inspirational self-help book, and it was my dream to get it published. I actually did submit it to some publishers in 2002, only to get rejected. Actually, 30 publishers rejected it, many on the premises that I was an unknown writer. I decided to focus on getting short stories published so I could build my credentials.

I knew my supervisor’s insult to my mental state was meant to make me doubt myself, but it did the opposite. All of the harsh treatment I endured from these people made my own reality crystal clear: My career had stalled, while my writing had been slowly building up. I knew deep in my heart that it was time to get that manuscript off my hard drive and into print, despite my fear of failure. It was time to take my future back and follow my heart to true progress. In a sense, I had everything to gain and nothing to lose. That day, I felt my chances of making some unknown publisher happy were much greater than making any of those miserable people in that building happy!

I walked back in the building with a renewed sense of purpose. I’m sure that many people expected me to quit, but I didn’t because jobs were scarce, and I was devoting my time and energy into getting my manuscript ready to submit. My colleagues’ reaction to my few writing successes was cool at best, and since they wouldn’t speak to me I didn’t tell them about my new quest. I simply did what I had to do, kept to myself, and didn’t talk to anybody unless it was strictly business.

Editing my manuscript was a challenge. Since I work full-time, I had to work on it at night or on weekends, and this isn’t easy when you come home tired from a full day of work. I was pretty stressed out, and after my final blowout with my supervisor; my body succumbed to all of the pressure. I got sick, and didn’t fully recover for three months. Once I got rid of one thing, I would be well for about a week before I was down with something else. Sinus infections, viruses, various relapses of these ailments, and finally a kidney infection had me struggling through every day. I propped myself up in bed with my notebooks, worked in my pajamas late at night, and spent entire weekends in front of the computer. In January 2004, I was ready to send my dream into the big, bad world again.

Although it had been rejected before, I felt more confident about submitting it this time. I rewrote the entire manuscript, and fully believed it had the potential to speak to people and help them find the faith and courage to improve their lives. Despite the fact that I was regarded as the “office freak,” I knew there were others just like me that needed encouragement, and believed a publisher somewhere out there would find inspiration and potential in it.

This was a hard time for me personally. I am blessed to have a wonderful husband and family, and working on my manuscript did bring me a sense of joy and purpose. In fact, writing has always made me feel happy and peaceful. It also helped me cope with my work situation. Although I worked in an office with 60 people, I was isolated. The only time people talked to me was to ask a question or give orders, and I never talked to anybody unless I had to. This was a lonely time, and I did suffer from doubts about standing my ground.

My decision proved to be right in February 2004, when an E-mail confirmed that taking my life back was the right thing to do. I got an offer from a publisher on my manuscript. It seemed too good to be true, but in fact, I had a lawyer look over the book contract and confirm that it was legal and legitimate. I joyfully signed it, made copies for my files, and practically skipped to the post office to mail out my passport to the future.
A funny thing happened the day I mailed the contract. When I returned from the post office, my supervisor informed me that our division was consolidating with the main office and moving in late June. For the first time in two years, I smiled in that building. They had no way of knowing that my entire life turned around in two hours. I mailed out a signed contract to make a lifelong dream come true, and now I was going to have an opportunity to work with new people!

Getting a book ready for publication is a lot of work, but I was happy to fulfill my obligations. What is interesting is how that success gave me the confidence to take control of other things in my life. When talks about the work move people began, I spoke with the Accounting Division and convinced them to let me move in with them. I finally changed my work hours to an earlier shift so I could work the same hours as my husband. I cut my waist-long hair to my shoulders, which is the shortest it’s been since middle school. I found the confidence to be myself and made some great new friends at work after the move, one of which taught me how to cross-stitch. I overcame my fear of needles and gave blood, worked with my husband to create a web site, and braved the kitchen to make Christmas-Eve dinner, complete with my grandmother’s bread dressing recipe that I made by myself for the first time.

Through this situation, I learned you can make your life better if you have the confidence to pursue what makes you happy, in matters both great and small. Faith is the most powerful force in the universe, and with it you can accomplish great things. You have everything you need inside of you to be the person you were meant to be, and nobody can take that away from you.
I am so thankful I decided to take my life back. It’s been slow progress, but well worth it. My book, Battleground Earth - Living by Faith in a Pagan World, is now in print and available all over the world through Internet outlets, and can be ordered at any bookstore. I work with a wonderful new group of people that are faithful, respectful, supportative, and accept me for the unique individual that I am. I’m confident in my decisions and feel I have much to share with the world by being the person I was meant to be. In fact, this is the happiest I have been since I got married. I can finally have joy and happiness, because at last I feel fulfilled in my life. In my own mind, I feel redeemed and rejuvenated.

In the end, I found my true self. And to think, it’s all because somebody questioned my sanity!

Sherri Fulmer Moorer is a freelance Christian/Inspirational writer from Columbia, SC. Her writing focuses on applying faith to everyday living situations, and is based on her own personal experiences and the experiences of those around her. Her goal is to show people that the battles they face in life are shared by others, and how the Lord can use their experiences to build faith. She is the author of Battleground Earth - Living by Faith in a Pagan World (PublishAmerica 2004), which is a book about spiritual warfare and discovering faith in day-to-day living. For additional information, please visit the Battleground Earth web page at http://hometown.aol.com/bgearth/index.html

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How To Walk On The Path Of Peace (Part 6 of 6)

April 22nd, 2008 by Administrator

>From the beginning of time, people, in spite of their needs, in
the midst of all their attachment to material things, have been
intuitively conscious of the limited, transient, and illusionary
nature of their material existence, and in their wise and silent
moments have tried to reach out into an understanding of the
Infinite.

And here is the common ground of faith; ” that we are
essentially and spiritually divine and eternal, and that,
immersed in mortality and troubled with conflict and turmoil, we
are ever striving to enter into a consciousness of our true
nature.

The spirit of humanity is inseparable from the Infinite, and is
not at peace until the oneness is experienced again. As the
smallest drop of water detached from the ocean, contains all the
qualities of the ocean, so are you, detached in consciousness
from the Infinite, containing within yourself its likeness; and
as the drop of water must, by the law of nature, ultimately find
its way back to the ocean and lose itself in its silent depths,
so must you, by the unfailing law of nature, at last return to
your source, and lose yourself in the great ocean of the
Infinite.

Where you find gentleness, patience, humbleness, kindness,
self-control, selflessness, and deep compassion, look there for
the highest wisdom, seek the company of such people, for they
have realized the Divine, they live with the Eternal.

Problems exist only in our own self-created illusions, and they
vanish away when we surrender our limitations.

Once you have surrendered, you leave behind you all confusion,
and enter into simplicity, so profoundly simple. You will have
realized the highest wisdom. You accomplish effortlessly, and
all problems dissolve before you, for you have entered the
region of Truth, and deal, not with changing effects, but with
the unchanging principles of things.

When a fierce storm is raging no one is angered by it, because
they know it will quickly pass away, and when the storms of
conflict are devastating nations; the wise ones, looking with
the eye of Truth and compassion, know that it will pass away,
and that out of the wreckage of broken hearts, which it leaves
behind, the immortal sanctuary of Wisdom will be built.

Sublimely patient; infinitely compassionate; deep, silent, and
pure, their very presence is a blessing; and when they speak
people reflect upon their blessed words in their hearts, and
rise to higher levels of awareness. Such are they whom have
entered into the Infinite, whom by the power of absolute
surrender have solved the sacred mystery of life.

These blessed people, leave for us, a pathway to follow, a
legacy to fulfill. They have paved the way for us to become the
peace we desire so earnestly outside of ourselves. May we each
have the courage to claim our inheritance of peace, by first
becoming the peace, through our thoughts, words and actions.

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