Browsing Tag

setting goals

Budget Tips, Newbie How-to's, Travel Advice

The Top 12 Ways To Save Money Without Really Trying (If You Ever Hope To Take That Trip You’ve Been Dreaming Of)

July 3, 2011 • By

 

If only we could travel this easily, but until then, we’ll have to pay our way to our dream destination…

1. If you are expecting a tax refund do not earmark it for anything.  Interest free loans to the government aside, put any surplus funds in a savings account and resist the urge to touch it. Stat!

2. Place any change left from each one dollar bill that you use during a purchase into a large glass jar.   If there’s any change in your pocket, drop it in the jar….no exceptions!  When it’s full, take it to your local Coinstar machine (usually found in grocery stores) or its equivalent and deposit the bills that you get in trade into your savings account.

3. Do side jobs in your spare time.  Cut grass, do a friends hair, mani-pedi, type resumes, etc.  If you have a specialized talent or skill, use it to your advantage.  I paid a twelve year old $5 for wearing a shirt with my website address on it for five consecutive days by using the Fiverr site.  Quirky job, but he’s that much closer to realizing his dream of going on a class trip to Australia.

4. Cliched, but so true!  Forgo the beverage god, Starbucks.  I bristle at the thought of paying $4.00 for a pound of coffee, so I’m downright apoplectic when it comes to the price of a cup of Starbucks!   No offense, but I like the cappuccino at the local Quiktrip or RaceTrac gas stations better than the big ‘S’ and it only sets me back a little over a buck.  Even better drink the coffee that your employer (may) provide for free at work!  Don’t even think about it….just put the money that you would have spent in that jar!

5. Start using coupons religiously.  Whether it’s through your grocery store’s loyalty program, coupons clipped from the newspapers or coupon deals from sites like Groupon or Half Off Depot are growing exponentially by the day.  So if you must reach into the wallet and part with some cash, try to find discounts and bargains that will lessen the pain.  The trick is that whatever you happen to save must go directly into the glass jar.READ MORE


Inspiration

Facing The Fear Of Success Head On

May 23, 2011 • By

“Your chances of success in any undertaking can always be measured by your belief in yourself.” – Robert Collier

Most people recognize the term fear of failure, where some one might be reticent to attempt a task because somewhere deep down inside they fear that they might fail.  Rather than venture into a hopeless situation, they will rationalize that the smart thing to do is to not bother at all.  Nothing ventured, nothing gained; but no chance of failure either.  Then, there’s another dynamic where some people fear what success may bring to them.  It sounds counter intuitive; don’t we all want to succeed?  Isn’t there always that burning desire to grab the brass ring, to come out on top, to be the best that you can be?  First,  let’s define what is required to become successful:

  • Success requires effort.  While looks and luck admittedly can get you some currency in this life, it takes hard work and effort to reach the finish line.  At some point, you must produce something tangible and meaningful and bullshit can be seen from a mile away.  Nothing that we truly value is won without setting specific goals and trying our best to achieve them.
  • Success requires accountability and responsibility.  To whom much is given, much is required.  No longer will you be able to live along the periphery of life.  Others will be looking at you, toward you…for guidance and leadership.  If you do not have enough faith in yourself to believe that you have the qualifications or the commitment to follow through on what is expected of you, you will fail.  Being accountable isn’t a bad thing.  It allows us to grow and become better human beings who consider the well-being of others as well as ourselves.  It makes you want to come out from the shadows and step up to the plate so that you can be an example to others seeking to follow a similar path.

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