“Don’t Go Chasing Waterfalls” are words of advice from a TLC song that indicate that one should not randomly chase dreams by moving forward recklessly and impulsively taking a risk without first considering how things will end. The words to the songs are indicating that people shouldn’t go chasing after what may seem good, but in reality, they know it is impossible to catch.
In other words, one should work hard, stop trying to take the easy route out like selling drugs for the money which is chasing waterfalls. Learn to be appreciative of your career, although every assignment may not be your dream job. It’s all about finding what you like and appreciating it. You should focus on the interests that will bring about happiness and don’t chase after unrealistic “better” things.
I agree with the expression, “Don’t go chasing waterfalls”, but I disagree with the words, “Please stick to the river and the lakes that you’re used to.” Reason being these words is applying that one should be content with whatever they have, be afraid to branch out; don’t strive to better yourself. Life is all about taking a risk, sometimes you have to take a chance to get out of life what you deserve. The wealthy became rich from taking risks.
Although I agree with the expression, “Don’t go chasing waterfalls” research shows some people disagree, they feel it’s okay to chase waterfalls because it’s what makes life such an adventure.
I will admit there’s nothing wrong with experiencing life’s adventures, in fact, I say it can be like running a marathon, but don’t blindly compete; make sure you know where you are starting. Be familiar with the starting line, and take pleasure in running through life, enjoying the adventure one day at a time.
If you are a person who knows what it’s like to be broke and struggling when an opening presents itself to you as an opportunity will you know whether to open the door or allow it to remain closed?
Just because a situation is present to you as an opportunity, and it looks appealing, doesn’t necessarily mean it is the chance of a lifetime. How would you know if it’s an opportunity or if you are chasing a waterfall?
From my experience when an opportunity is presented if you have the feeling it too good to be true it normally is. I learned from several mistakes, it’s essential to listen to your heart and feelings as your deepest intuitions know best.
And in a situation where it can be an opportunity worth opening the door and pursuing. Although you know what you want after you create your goals, fulfilling a dream isn’t easy because generating a plan isn’t exactly a guaranteed way how you’ll pursue your purpose. When you begin walking the path to fulfilling your purpose chances are conflicts will arrive.
While trying to complete a vision time is a very costly resource. That’s why it is absolutely essential you don’t waste your time chasing waterfalls. When you are presented with a clear path toward a goal in most cases, conflict arrives when you are so close to living in alignment with your vision, reaching your highest values and meeting the deadline.
Since time isn’t your greatest source the more precise you must be with your time. You have to take into consideration that to waste any of your time when you are vision-driven, is such a waste of time and is like chasing waterfalls. From the waste of energy and time, it can leave you feeling hurt and in much pain.
An example of how conflict can unexpectedly arrive, a couple of years ago, I was offered a high-paying position to write Lesson plans for school students. I accept, but, my motivation for taking it was all wrong. I was mainly interested in doing it for the money. Not because I start off believed in writing content that could really help children and what I believe in toward education, and what I was writing.
For that reason, everything started off wrong, it took me a week of conflicts, for me to come to the conclusion if I was going to do it. I need to consider it for the opportunity it was and believe in the purpose, put forward the effort to not only write the lesson plans, simply make sure it assists the students using it. After all, it was a “great” opportunity, why waste it.
So often in life, many spend countless time chasing things and people that defeat their purpose without considering the consequences. The purpose of life should be to seek the significance of each day, seek to find love, learning acceptance, when to let go, to have integrity and live a meaningful life. To prevent chasing waterfalls, you need to know which dreams to follow and what illusions to let go of.
Unfortunately, too many people chase financial success which can lead to a loss of self. As financial success is a persuasive motivator. And although every human life is motivated by something. Financial success has a way of dominating, controlling and destroying many lives. It comes with the unknown, taking a risk that can come with searching and chasing waterfalls.
To obtain wealth and fame, financial success will choose and control your professions and dictates all your time, eliminate your energy, and move you away from any sort of support. It will affect and run relationships, comes with busy schedules, and destroys families. To some, it even becomes an all-consuming passion that leaves the individual involved a broken person.
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Nowadays businesses are shutting down their operations without notice, leaving the employees shocked and surprise. Life is full of unexpected invasions that can reduce the price of even the largest checking account.
Perhaps, you took ill, maybe you experience a malfunctioning thermostat, pricey car repairs or a burst hot water heater. All these expenses require you to use the money immediately, which can cause a major crisis. And what’s worse, some people spend too much money on unnecessary things, therefore it’s really easy to get behind on the bills.
I was among the many that spend too much on unnecessary things. Because I wasted my money regularly, and I took for granted the credit cards were available, I managed to ruin my credit by overcharging and reaching my credit limit.
Purchasing stuff I really didn’t need, things like shoes and clothes, treating the family and friends. Going on vacation, eating out, going to the nail and hair salon and having family nights.
It’s obvious many uses their card to pay for things, and when you allow yourself to get caught up in the habit of charging it’s a lot easier to spend more than you intend to. Only after things got hard, I had to come to the realization of how bad things were. I had no choice but to step back and make some changes.
After being a debt junkie for almost three years, buying stuff I really didn’t need. I manage to run up not only one credit card, but three credit cards living my life like my salary was about twice my actual income.
Back then I had a healthy salary, as a financial manager, my bonus alone was two to three thousand without my salary. The more I made the more I spent. I would spend all my cash from my salary and then I would start charging stuff to the credit card.
Making all unwise decisions, thinking I was enjoying living life, I would go on vacation, sometimes take a family member or friend with me, they would pay to go but, I would treat them during the vacation. I would pay to get my hair done almost once every week very seldom did, I miss a week. Within three years, I found myself at a standstill wondering how to get out of a big hole I dug for myself.
From all the bad decision I made and my outrageous debt catching up with me. I had to come to the conclusion, I didn’t understand the importance of the choices I was making or the power that over shopping had over me.
It took me a little time but I learned from my failures and made an intelligent decision not to allow them to become a weakness, but on the contrary to build on them as strengths. From all the poor decisions I made, I learned in everything I do; I am choosing a direction.
My life is a result of the choices that I made. After learning that, I made the decision to make some changes. Corrections that will assist me in getting on track, starting with a budget, something that can get me back on course.
My life was a complete mess, so I need to take the initiative to get back on track. Take the type of action that will make changes like conducting a budget that will assist me to adjust my finances and teaching the children the importance of saving.
A budget that will make sure I am able to pay my bills. As it is so important to stop living in denial and put in place a plan for me, as a single mother, to help me and the entire family
A budget is not hard; the hardest part is starting it and overcoming all fears, then changing the past decisions that put you in a bad situation. A budget is the best thing to do if you want to get back on track and organize your expenses. The purpose of a budget is to justify a set of decisions that have been made of all funds, making known how funds will be used and track as well as control all spending habits.
At times, one of the hardest things to do is get back on track, especially when you need to be more organized with your assets. I’ve been there too, but when you find yourself broke, and you are behind on your bills, and you’re wondering where to start coming to terms with a financial plan.
Here is what you need to do: accept and deal with how bad things really are and put forward an effort to maintain a setup working budget. After that, you need to organize your expenses, you need to know the necessary steps to make a budget. It begins with knowing what you are spending and the breakdown of your expenses. All left to do is to implement the necessary steps to start taking control of your financial future. Then discuss with your family all expectations and teach the children to help save.
It’s not easy, saving money, especially since it is not that simple of a task, yet you need to be more organized with your spending habits. So, while thinking of opting for budgeting you need to gather all financial statements, that you possess. These include bank statements, loan expenses, mortgage bill, recent electricity bills and any information regarding a source of income or expense.
Your major intention for doing this is to use your expenses and income as your starting point to creating a budget. This will assist you to know your monthly amount spends on an average basis. So, the more information you avail, the more it is good for you. Finally, these details will let you figure out where you are obtaining the money, how much is saved and where you are spending your money.
Nonetheless, they will get certain degrees of idea and responsibility instant as they will gain knowledge on how to save money. Moreover, know that it doesn’t matter how much more you make if you’re spending more than you earn.
Furthermore, when you’re not taking control of where your money goes on a daily, it’s like you failing to plan and it’s the same as planning to fail. But, with your finance on track you will be in the essences of great power, your money is a tool that enables you to protect yourself, to establish yourself and your family, why not use it wisely to make sure it’s available for you?
The next step will be to list your monthly expenses. This will include the rent or mortgage amount, Auto payment, and insurance, supermarkets expense, utilities, laundry or dry-cleaning expenses, gas bill, clothing expenses, cable bill, telephone bill, and basically anything you spend your money on.
Also, you can get a free budgeting tool online that will assist you with your budget, all you have to do is input your income, expenses, and your budgeting needs. It will show you what’s coming in and what’s going out.
Side by side, you should keep a track of the major source of your income. If you get your salary as a monthly paycheck from which your taxes get automatically deducted, then keep a note of the net income or the take-home amount. If you are a self-employed person or you have any other source of income you should never forget to add that income as well in the list.
These total incomes, from various sources, should be taken as the monthly amount. Lastly, you need to add all your monthly incomes along with the expenses. If you get a result, wherein you figure out that your income is much more than your expenses, then you are already on the right track. If not, you have to take steps from next month onwards.
When we think of a depressed person, most of us envision someone who looks and feels sad. Except there are people who are good at putting on a brave face and hiding behind a smile, only inside, they are a victim of a condition called “Smiling Depression.”
Some people think they know what a depressed person looks and acts like, only they might want to reconsider their decisions. If you are someone who finds yourself hiding behind a smile and that smile is to seem happy, then the moment you are behind a closed door, you feel empty and it’s another, chances are you have, “Smiling Depression.”
You might even be like many sufferers; putting on a big smile and hiding behind a mask instead of dealing with your pain. Not accepting that the pain will never go away, it’s only will get worst. “Smiling Depression” is a word used for a person who is depressed, but doesn’t looks it and they will never admit it.
The Urban Dictionary defines smiling depression as a person who is very depressed inside yet He or She can hide their aches to others to appear happy. Some people confuse smiling depression with traditional depression, but in fact, it differs considerably.
Research shows that a person with “Smiling Depression life can be in more danger than an individual with traditional depression. The reason is the person with “Smiling depression will plan and follow through with suicide when a person with traditional depression most likely will only have thoughts of it.
We all heard the saying, “Things are not always what they seem.” This adage is indicating: Things may look one way but it can be another. This expression is applying to those who look happy from the outside, but inside they are sad, stress, depressed, or all three.
People with “Smiling Depression” tend to hide in a little shell to suffer in silence, pretend nothing’s wrong while things are “awry.” They fear the world might criticize them. When they should acknowledge their pain and find the courage to ask for help from the people they trust.
What You Need to Know About “Smiling Depression”
From associating with a few people who struggled with “Smiling Depression” I learned that they do not want anyone to know how depressed, suicidal, fearful of life they are and at times they don’t know how to cope in different circumstances.
In addition, I learn when dealing with a person who has “Smiling depression,” they are good at putting on a constant role play of being happy. The routine can seem so real that the people who are looking at the person pretending do not know they are acting.
Furthermore, a common symptom among those who struggle with smiling depression is putting on a performance that isn’t real, as no one will never suspect it’s a pretense.
What You Need to Know About “Smiling Depression”
First, let’s recap what is Smiling Depression? It is an act where an individual appears happy to others where they manage to wear a smile; while inside they feel pain as they smile through the hurt, they keep all the inner turmoil hidden.
Smiling depression isn’t something that can be recognized as a condition like one that can be Diagnosed in a mood disorder like depression. But it is a situation that many people need to know and learn to recognize it in someone else.
Some may be wondering why haven’t I heard of “Smiling Depression.” Maybe because some may be looking for “Smiling Depression” in the Diagnostic and Statistical Manual of Mental Disorders, you won’t find it in there, but expert’s studies reveal it as the highest risk of suicide, if not treated.
People suffering from smiling depression show no indication of their condition to others. They have no problem finding a job and work a full-time job. Most are even successful being head of the household or starting their own business. They are good at maintaining a moderately active social life. Smiling depression can be described as the darker side of a smile, the desire to hide an inner gnawing depression.
What are the symptoms of smiling depression?
Smiling Depression symptom is a person who appears happy from the outside to others. On the inside, however, they are experiencing sadness, panic attack, fear, the feeling of loneliness and very low self-esteem.
Although depression affects everyone differently and has a mixture of symptoms, the most distinct one is continued sadness. Other classic symptoms include:
- Change in the sleeping habit
- Change in the appetite, and weight
- Tiredness or inactivity
- Feelings of hopelessness, low or lack of self-esteem
Someone with smiling depression may experience some or all of the above signs, but in public, their symptoms would be mostly
- May seems like a hyperactive or a normal-functioning individual
- Someone able to keep his or her work-life balance and enjoy having friends and a social life
- A person who appears to be energetic, hopeful, and usually happy
Life is full of valuable lessons, whether they have been good or bad, as long as you live on earth you’ve learned them throughout the years. Lessons learned from the past can attain priceless or costly experiences. These experiences come with lessons that are continuous learning, and how you learn them can have an impact on your life. Therefore, it’s best to learn the lessons while you’re still young. If you don’t, the consequences will affect your life as you get older.
Throughout life, how you learn life lessons will bring about huge discoveries, or many disappointments and failures. Moreover, when you learn, they are full of wisdom which is not at all hard to gain if you take on the responsibility, you can gain a lifetime of knowledge.
There is an old proverb that says, “Youth is wasted on the young?” I believe that saying to be so true and I wish I’d hadn’t wasted my youth on things that were petty and not worth my time or worrying about, with my heartaches that gave me regrets and pain I should have put them behind me move forward and lived. After all, we all have to follow our own individual path, perceive there aren’t new lessons and there no distinctive method to learn them in life.
However, as I aged and develop wisdom and maturity, I realize my mistake to not put my talents to good use, when I was young, I allow opportunities to pass me by wasting time pursuing a pointless chase. If only I had developed a growth mindset earlier, I could have accomplished more, but I wasted away time and fritter away my abilities in childish carelessness.
If I had the confidence, maturity and the self-awareness, I develop over the years I would have never allowed petty things to get the best of me. I would have focused on the important things in life. Though, when I think about it, I believe “life lessons” are called that for a reason. And we must know those reasons to truly learn and there are different ways to learn. You can learn from your experience or watching others that have learned.
Some life lessons come with powerful heartache that will awake even the most apathetic people that didn’t take the time to listen or follow the teaching of a parent who tried to give them skills that could be used throughout their lifetime.
It is imperative not to waste time nor wait until your way past the age of thirty to allow life lesson to teach you skills you should have learned while you’re still young. I learned from my life lessons the future belongs to those who take the time to learn skills and apply them to their life.
As people age, some miss the marks of maturity they should possess in life, so they don’t learn how to handle real-life situations. Artificial maturity comes with a devastating situation to teach some a major lesson, they should have learned at a young age. Besides, the most valuable lessons learned in life are learned from the people you come in contact with or issued from family and friends.
As we continue to live life, it comes with many lessons. Existence comes with schooling that will teach you to find your own way. Moreover, the world is shifting and evolving fast, therefore, it’s best to begin learning expertise while you are still young. Then utilize them in your everyday life. For the reason that if you don’t learn chance are you are not escalating. And it’s safe to say your life is decreasing since you fail to learn, and you are merely going backward.
If you want to spare yourself from learning life lessons the hard way, you should acquire life flairs early in life, skills like time management, money management, comparison shopping, meal prep, health, and hygiene, cleaning, laundry, and most important decision-making skills.
Some of the most valuable abilities that any person will use in their lives are learned during high school and through college years. Although it teaches many aspects necessary for succeeding and prospering in life, it does not prepare you for all life lessons. The reason is that the academic curriculum doesn’t teach, nor prepare you for life occurrence, you have to experience life, learn from it and apply it in your everyday life.
High school and college fail to teach skills like thinking and decision making, money management, dating, getting married, and starting a family, learning how to build and maintain good credit, and starting a career, finding a job, interviews and the benefit of supporting oneself and family. All the things which are valuable in life.
Five life lessons I wished I took the time to learn at a younger age
1. I wish I’d known to live life, meaning. I wish I hadn’t wasted my youth chasing things I thought I want, instead of going after what’s beneficial for me. I should have enjoyed life with that one person that completes me. Live life now, don’t do like some who waste time and their life waiting for an opportunity to come that will never arrive. I learned from my experience that the world is my oyster, so I start living like it’s my last day on the earth.
2. I wish I’d known to develop self-awareness: to develop self-awareness, I had to acquire a deep understanding of my past and current self. I explored by asking myself how well do you know yourself? How thoroughly do you understand your history? In order to be the best version of myself and to know myself, I had to develop a daily practice of self-reflection to understand my history
Becoming self-aware didn’t happen overnight, nor in a day, yet, after focus my attention on understanding what shaped me into the person I am today, and appreciating both my current actions and comprehending future goals, I ultimately develop “Self-awareness.”
3. I wish I’d known that I can’t rush the desires of my heart, impatience does nothing more than makes everything take longer. All my life I spent it planning and rushing my desires. After planning, I’ve wanted my desire to come on like finishing college, getting my degree, finding a job, become successful, marrying my knight in shining armor, having a family, purchasing the home of my dream, and driving the ideal car.
I was obsessed with my heart desires, I was determined to move forward and doing it fast. I had to come to the realization and “awakened” to all the many disappointments to learn that impatience turns my life upside down and turn the clock backward to make everything longer.
4. I wish I’d known the “easy” road would end up being the hardest one, there an old adage that says, ‘If it sounds too good to be true, it probably is’ this saying goes with “easy” roads and just because something sounds great, doesn’t mean it is. Everything isn’t always as it seems. I learned the only person that can make things happen for me is me, so I don’t wait for handouts.
A friend is someone who knows your innermost secret, understands your every desire, knows your past and believes, support you in your future. Furthermore, a friend accepts you just for who you are.
Besides, there will be times when you feel defeated, broken, alone, and hopelessness may even consume you, and if any of these moods describes you, know that you are not alone… that’s what friend are for
They will always be there to give you a pick me up when you feel down, discouraged or depressed during the worst of times.
If you want to bring about a change, you must put forth the effort and have the courage to turn things around. It is so easy to get separated from a well-defined journey. The view ahead for a rover may shift at any moment, leaving the evolving mission a difficult path to reach.
In fact, when a person attempts to bring about a change, it can be so difficult to do, even planning can bring about all types of inaction that aren’t that easy, but in these types of trials and tribulation, that’s what friends are for.
As a person begins to live the life of their aspirations, barriers will rise. The truth is we all will face obstacles in this world. Whether we have nothing or have it all, we are all confronted with the same challenges.
And while going through these barriers, never allow the obstacle of failure to make you give up. Hindrances are like a big bully, they are cowards that will bluff you if they sense fear and you allow it.
As you continue to live life, challenges are liable to spring upon you; but a person with the proper support from a friend will look those hindrances in the face and not feel worried or afraid, but they will conquer those fears.
Life is so much easier with a friend, they bring about a smile, someone who encourages, makes a difference in your life, uplift, comfort, support, assists with all life’s pains, and you are so very thankful to have them in your life.
Friends bring about many things, there is power in having a real friend. One person alone, when faced with challenges, can overcome a hard obstacle, but the power of two true friends is unstoppable.
We all will face obstacles in life, but while going through them, never allow yourself to believe you can’t win. Obstacles are like a crutch, they can be lean upon as support, but can also be reckless if not used properly.
Moreover, we all have the potential to defeat obstacles, but it, even more, possible when you don’t have to face it alone. A person who learns to take control of their barriers can focus on different things and bring about progress, but two friends who work together can command many things and create the level of success they desire.
A person who desires to overcome all heartache and pain can manage obstacles. Furthermore, a strong-minded person will rise above the misery by realizing that it is okay to feel hurt and to overcome, they have to allow themselves to be sad, and angry to deal with their emotions. Without appropriate treatment, complications and grief will be your constant friends, it only lifts if you allow yourself to deal with your hurt.
Furthermore, a true friend is there to comfort, support and give you the strength to overcome the challenges you are facing. They will help you to understand it’s okay to be angry with your circumstance so, you can take control and overcome the ache and get past your grief.
A friend will help you to stand tall and rise above any obstacles, although you might still feel some of those struggles, you will understand life will continue to give you the same recitation until you deal with it.
The Power of a True Friend: We all begin making and developing a friend in elementary school. And as we get older, we come in contact with different people. People will come into our lives for many reasons, but the one who will lift and support you when you down, one who brings out the best in you and can bring new energy to your soul when your spirit is low. A person who will stand with you and fight to prevent too much darkness in your life to put out your light is a true friend.
True friendship doesn’t happen overnight, nor did it come about without challenges. Moreover. it can come about like a seed placed in the ground that spring up in slow growth that undergo and withstand the weather and the storm and it involves many things, but, above all, the end result is so worthwhile and the intensity of friendship will soon blossom into the power to make and shape many wonderful moments.
There’s a saying that says, “A best friend is like a four-leaf clover: hard to find and lucky to have.” That also goes with saying, a person who afraid to look ahead, shouldn’t look backward but can look beside them and their best friend will be there, that’s what friends are for.
Five Defining Quality of a True Friend
1. Telepathy: A true and best friend knows you as well as you know yourself. They have the ability to know when the other person hurt or what they are thinking sometimes before they share with them.
2. Trust: A true and best friend is someone you can lean on, share anything with and trust with your innermost secret and it kept like food in the refrigerator. Nobody knows your inner thoughts, but you and your best friends.
3. Philanthropy: A true friend is always beneficial, give from the heart with boundaries, never take advantage of the other. When one person down or in need, the other picks up the slack.
4. Integrity: A best friend has strong moral principles, they are honest with each other. You tell each other the truth, even if it’s not what the others want to hear. You both love and trust each other enough to share what needs to be said.
5. Support: Friends are always supportive of each other. When one is weak, they lend each other strength. Together they can overcome the impossible.
A friend is irreplaceable, what will happen or who would we be without one? From the moment we come in contact with a true friend, they assist in many ways. Friendship means something and the significance of it is announced July 30th as International Friendship Day.
In this article, you will learn how to make and stick to a budget, how to save in the case of a disaster, how to determine your needs versus your wants, how to manage risk, and how to stop living paycheck-to-paycheck.
A vast population of the world is searching for ways to stop living paycheck-to-paycheck and save money to improve their financial situation. The problem is most of us do not have an action plan to begin saving money. We all know money consists of great power in today’s world, and money plays a crucial role in everyone’s life. Most people know how to make money, but they do not know how to save or spend money. Although most of us work hard on the job to earn a decent salary, we are unable to manage our money right.
While a six-figure high-paying job can secure a person in the top 1% of the earners, but it is the saving and spending habit that can get them on the road to better fortune. Because it is the little things—your money habits—that often make the difference. As a result, we need to use it in a right way, so that there would be a portion of the money which can go into our savings account.
Tired of Being Broke? How to Break the Cycle of Living Paycheck-to-Paycheck
Breaking free from the paycheck to paycheck cycle is not an easy task, but it can be one of the most mentally relieving things anyone has ever done. When you are living paycheck to paycheck, getting out of debt and breaking the cycle to live a happier financial life may seem impossible. Nonetheless, if you want to break the cycle of being broke so you can live a more comfortable economic life, here is my advice on how to break the cycle and let’s start with a substantial budget that will help you to stop living payday to payday.
How to Save Money: Budget 101: If we want to be able to save money budgeting is the key factor. Most of us do not know how much income is coming in or going out. Therefore, it is tough to achieve our financial goals. Putting a budget in place is a significant way to begin saving money. The budget also assists to show how much income is coming in and what going out.
Three important things a budget will do:
- free up cash for a savings goals
- help in paying off existing debt
- Assist to become financially independent
If you are living paycheck-to-paycheck and you tired of it, the most critical step you can take that will break the cycle is downgrading your lifestyle. Most of us try to do what we cannot afford and buy what we do not need. Get rid of the gas-guzzling car as an efficient one would do? Most people no longer need a big house with five bedrooms. The children are off to college get rid of that big house and consider moving to a more efficient version of it. The smaller more efficient version home will lower the monthly bills, and utterly put some cash in your pocket.
The downgrade is how to get started saving: With the cost of living going up and wages going down or at a standstill, many are searching for ways to save money and improve their financial situation. Very few people genuinely have a plan to save money to escape the stress and live a better and happy life. As consumers, we have a choice to live a stressful life or take action to better our self and put a plan in action to begin saving and living a happier life.
How to Start Saving Money: It important everyone know how to save money, it also a pattern everyone should make a habit of doing. However, saving money is hard for most people to do. Before you begin saving it important to know why you are saving. There are many different reasons to start saving, but the most important reason are to be able to stand on a firm financial foundation. To save money it necessary to have a saving account. Many different saving accounts can help many meet goals of saving money.
Ways to begin saving money:The first way to begin saving money is to spend less than you earn. It is not easy to spend less than you earn but it is possible. For most people the ability to save money is often easier said than done but there are lots of ways to begin saving money, but why is it so difficult? One important factor that can assist with saving money and give you the ability to spend less than you earn is to know what factors drive your spending habit.
Next set up a financial plan, a financial plan can assist you with taking charge of your future. What is a financial plan? It is wisely planning and managing your finances so you can achieve goals and dreams. While negotiating the financial difficulties, that may arise unexpectedly in every stage of life.
Tips on saving: Putting money up from every paycheck is a habit everybody should make. Putting up money per paycheck will assist with bills in the event of a disaster or if you should become unemployed. According to the survey, More than three-fourths of Americans don’t have enough money saved to pay their bills for six months.
Tips on how to save money
General: Save your pocket change. Collecting 50 cents per day in the course of a year will permit you to save almost 40% of a $500 rainy day fund.
Keep count of your spending. At least once a month, use a bank card, checking, and other evidence to review what you’ve bought. After this, question yourself if it has the sense to distribute some of this spending to an account with emergency savings.
Create a Savings Account: I would suggest you to create a savings account at the regular branch you hold your checking account and transfer a small amount into that account which is a great way to build funds for emergencies. You may think that how money can be saved by transferring into a savings account? Yes, you can do that by not touching that savings account.
Make sure that you inquire about interest rates and fees for the savings accounts and do not draw money from that account at any cost. It best to choose a bank with the highest interest rate but you can earn a higher interest rate with a CD accounts, over a regular savings account. Every week on pay day, transfer a small amount to this savings account or CD account whichever is your choice and make that as a hobby. You will be shocked by looking at the amount you have in your account.
A Bill-by-Bill Guide to Saving Money on Monthly Expenses
Established wisdom will tell those who use it that everything becomes more expensive over time and if you want to live a more comfortable life you need the income to cover the required bills and spend less than your take-home pay. Living way above our means is a problem those who are not natural savers created. While some people are good at saving money, there are those who actually go overboard.
Individuals who are virtuous spenders know how to save and live within their means. They have a habit of keeping their living expenses level balanced to their earnings. Individuals who are not a good spender, by contrast, they have a tendency to overspend all of their income on wants and their human needs. Overspender waste more money than they bring home and pile up debt in the process.
In the wake of the United States’ economic crisis, many are trying to find a solution to a world of uncertainty; downsizing seems to be the best way to finding any form of a solution.
More and more people are enchanted with the idea of building tiny homes, as others are moving into apartments, condominium or town-homes with small rooms. Living in a tiny home, townhouse, an apartment, or a condo can sometimes mean having to fit many items into rooms too small to hold them all, at first glance.
When placing furniture in a living room most people chose dark furniture because it is design-friendly, but the darkest furniture needs much leg room as they often seem to block passages and take up more floor space than is desirable.
When choosing furniture for a small area, it is best to choose light colors such as cream, white and light blues that make the room seem larger.
When selecting furniture with limited space, we have to pay close attention to the weight and the size of the objects.
The question of how many pieces have legs and how many have a box shape is also an important factor in finding the right furniture.
Believe it or not, how many pieces and the color of the furniture makes a difference: furniture in lighter colors goes further in making your small space feel larger than those in darker colors can.
Most people decorate their living rooms with a combination of box-shaped furniture and furniture with legs, such as a wooden or glass coffee table, two matching end tables, or sofa tables.
However, these all give the appearance of a cramped space, even if the piece itself is rather small. Here are some tips for fitting as much furniture as possible into a tight living room and still getting it to look more spacious:
- Figure out early what size of furniture is right for the living space you have to work with. Measure the room and the furniture items by hand if you need to; you have to make sure that you will have enough space to move around and fit other objects and other people.
- Consider lighter colors for the furniture. Darker colors take up the surrounding space, but light colors make any room seem larger.
- Try to avoid furniture with legs or a box shape. These types of furniture often take up most of the view of the floor, making the room seem smaller.
- Slim or vertical furniture works best in a small room. Vertical furniture, in particular, will emphasize the height of the room. Furniture that can serve this purpose includes tall corner lamps, shelves, grandfather clocks, jars, and vases.
- Even if you find a perfectly sized, light colored, slim, vertical piece of furniture, you should still take care to avoid having that perfect piece be a sofa or couch. Sofas and couches are often too big for smaller living rooms. Try substituting in chairs and love seats instead; they can be as comfortable as sofas or couches and save space in your living room at the same time.
- If you want a coffee table for your room, look for glass instead of wood or other solid material. Glass is effective at reflecting light and allowing light into the living room. More light means that more space can be seen in the room, making it look bigger.
- Every bit as important as finding the right furniture for the living room is maintaining the tidiness. Objects that are of no use in the room will only create a mess and, even worse, compete with your other furniture for space and with the floor for visibility.
- Add accessories and decorations to the room. As with the furniture, choosing smaller pieces will allow to you have a higher number of different decorations in the room. It might also be a good idea to put a few fair-sized fixtures in the corners to act as accents, but always take care not to put so many accessories that the room just ends up feeling cluttered.
- Make sure that the chamber matches. Curtains, throw pillows, rugs, and carpets do not have to be of the same color, but they should at least mesh well with the color of your furniture. A small, elegantly patterned vase might help to accentuate space a bit.
Three ways to make living in a tiny house feel huge and more comfortable!
#1: Sleep in the small bedroom
When most people hear tiny house, they feel it means living cramps up, but the tiny house and small rooms do not say you have to be cramped.
Most tiny homes consist of two bedrooms in which it has one bedroom slightly larger than the other. The biggest room is the “masters,” and the smaller room is for the child, or the guest if the child has moved from home.
You can fit mainly your bed – no room to fit much more so, please avoid the temptations to use it for providing much stuff. Most tiny home’s rooms consist of a hotel like experience.
It is a small room that provide– a space for a bed, two nightstands, lamps, and enough room to spread out the luggage.
The small closet is only big enough for limited clothes, as a matter of fact, because the space is so small; it is a high threshold for clutter if you try forcing much stuff and too many clothes into it.
However, you do not have to give into the clutter of invasion, just use the space just as it is.
What do, many do when this world has so much going wrong that it no longer feels like home? Where do various people turn when America, a place many have called home for a long time no longer feels like home?
How can people find ‘a peaceful mind’ in a world where some people are wrongfully denied forgiveness and has no dramatically way of changing their life?
What changes America from a place that once brought joy and warmness to many hearts? How can a country turn from a warm, loving, peaceful place to just feel cold and alienated?
There’s an old saying that says, a home is considered where the heart feels most satisfied. Moreover, because so many no longer feel like this world is a place they can call home the utter question is: What’s Going On?’
Some American citizens are giving up their citizenship where many are still holding on to an American passport as they no longer feel like an American. With all that is going on in America today makes many citizens think about moving to the United Kingdom, so the hard question is: What’s Going On?’
Indeed, many today are facing far more difficult circumstances than the conditions of what most retains before things turned so critical and many are still waiting to see peace as an endpoint, again I ask, What’s Going On?’
As so much development in life-condition change for the worse, many are currently searching for answers to some of the most challenging issues. Some are turning to the political candidate like the house of representative’s members, Senators, Vice President, Mayor, and the President.
I say we should be willing to do what is necessary to bring healing to this nation and to do that we the people need to turn to God by doing what 2 Chronicles 7:14 King James Version (KJV) says, many needs to humble themselves and pray. Turn from their wicked ways. Then will God hear from heaven, and will forgive their sin, and will heal the land.
With all going on, my main concerns, how can any intelligent American vote and allow a man in office as President like Donald Trump with no Political background who spends too much time twitting and raging when he supposed to care and take care of issues in the world to prevent things from going wrong.
Instead, he’s the exact cause of chaos and the reason why sudden things go wrong. And not to mention the Trump horror of a tax plan he put in place, which is one of the most significant changes that include the worst recession and the most bull wash ever since the Great Depression, I can’t help but ask the question, ‘What’s Going On?’
The youth violence, burglary, street gangs, drugs, and killing have been a significant concern for years. Except for today with the economy in crisis, and America in need of leaders to have our backs and care to protect the nation, burglary is at the highest rates that robberies take place during the daylight hours.
The gun violence and mass public shooting are on the rise and getting deadlier by the day. And many states are a part of the dangerous trend as there is an essential need for stricter gun laws.
Poverty-stricken people are selling drugs and see it as significantly more of a statistical way to survive; I can’t help but wonder, ‘What’s Going On?
The president’s motives remain unclear to violence, and mass shooting leaves many Americans shaking in fear of being a victim of a mass shooting that some do not feel safe to worship and praise God in the church.
Why on earth should people fear to worship God as the church should be the last place anyone feels afraid for their life. Some do because the mass shooting has happened in several churches already, the big question place in many minds, ‘What’s Going On?’
To surpass it all children shouldn’t have to feel threatened by gun violence in school. The school shooting should have been stopped because a school shooting is an attack on education and is preventing the children from learning.
In 2012, after one of the worst mass gun shootings at the Sandy Hook Elementary School, where a severe attack claimed the lives of six adults and twenty children, things should have changed.
Instead, Florida School was hit by gunfire where over twelve were injured, three adults died, and fourteen children lost their lives. Again, the question is ‘What’s Going On?’
Continue Reading: https://hubpages.com/health/Whats-Going-on-in-world-today
More often than not, it is said that choices have consequences. The big question is; does this assertion stand or hold any essential truth? Well, while we are free to make our own decision, we are not free to control the consequences of our actions. To do something of your own free will, you do it by choice, but if you allow someone to influence you in any way, then your action is not free. While it is established that human beings can think and act freely as reasonable and moral living person, remember everything you do has a result. And the consequences whether good or bad will follow you forever and it also affects everyone in your path.
The choices we make shape us to be unique and set a difference between yourself and everyone else. However, the decisions we make have long-lasting repercussions on our life. Our lives on a daily are a series of choices we’ve been making over a lifetime. We live with those choices for the rest of our lives — and believe me we are free to choose our actions, but we are not free from the consequences of our decisions.
As humans, we have the discretion to choose the way we want to live our life. We were created with a mind free to choose. God created man and woman with the freedom to choose and also gave them the real ability to determine how such daily choices will shape their destiny. This reaffirms that we are free to choose our actions, but we are not free from the consequences of our decisions.
Although so often in life people do not want to be responsible for the choices they make but on the contrary, we must remember we have to create our own experience. … If you do not want to admit that your decisions have real-life consequences; you will get crushed by a giant mischievous called paying the price of lacking to take on responsibility. One of my favorite quotes is “The price of greatness is responsibility” – Winston Churchill. The transition from youth to an adult made us responsivity to be responsible for the choices we make in life. Try to escape from making choices as you might; you cannot avoid the consequences of your decisions, whether you care to admit it your decisions have real-life consequences.
It is upon us to distinguish how we flourish in life. This means, it is essential to attract what you imagine, reflect what you desire, become what you respect and mirror what you admire. God also gave man and woman the ability to think for himself or herself. This is what enables us to separate between what is right and what is wrong. Therefore, we have the opportunity to make choices that genuinely affect our destiny. Remember, we are free to choose our actions, but we are not free from the consequences of our decisions.
We have the power to create and experience the quality of life we truly desire and need. One of the most incredible gifts given to us by God is the authority to choose. Whether we know it or not, we all utilize this power that can be referred to as a “surface level form of power.” With this capability, our choices are founded on many things such as what to do, what to think, whom to marry, what time to go sleep, what television program to watch, where to work, what to eat, whether we live in a home or an apartment, what model of car to drive, what to wear and among others. Now that you have the power to choose, it is essential to remember choices have consequences; you get to make your own decisions, but you do not get to choose your consequences.
Our ultimate freedom is the right and the power to decide how anybody or anything outside our being will choose or rely on our actions. So often we forget the ability we hold within us to control the path to our efforts. In life, it is all about how the choices we make influence what we become and how the direction of our lives comes down to those choices we make. The journey to tread in our life depends on our preferences because choices have consequences; you get to make your own decisions, but you do not get to choose your consequences.
Ronald Regan, who is a former President of the United States of America, once said that a mind that is free to choose will always choose peace. However, this does not mean that our choices are limited to a few options, but rather a foundation they depend on a state of mind and the perceived outcomes. Today, people choose different courses of action. What is evil will always be rebutted by what is evil and an act carried out with good intentions will always be rewarded accordingly. It doesn’t matter how long it takes, but the reward for any action will still be in the offing. That’s why choices have consequences; you get to make your own decisions, but you do not get to choose your consequences.
The man has not always had freedom or freedom to make choices in life. For many years, African-American people lived in slavery longing to be free to make their own decisions. President Lincoln free slavery and gave every man the freedom to make his or her personal choice. With this, the privilege granted to all to make their own decision and act for themselves means to take action to remain free, choose liberty and eternal life through Jesus Christ. Although, some people prefer to stay in the sin of slavery and choose captivity and death, agreeing to the captivity and power of the devil. However, remember, choices have consequences; you get to make your own decisions, but you do not get to choose your consequences.