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Tuesday, March 31, 2009

No Fret Family Budget

For some, the idea of a budget is often a blur. It is frustrating to see how hard it is to do a budget and realizing that with one wrong purchase, you can actually ruin the entire thing. And this has been a perennial headache for most homemakers.

It is about time to overhaul the way people look at budgeting. It can actually be a great way to keep track of your family's expenditures and help you evaluate the things that you spend the lion's share of the family's earnings on.

What is a budget? A budget is a tool for handling your finances by controlling the family's expenditures in a way that money is enough for paying up bills, and still ensuring that savings are set aside for future expenses - vacations, or children's education, or even for retirement.

Try these simple steps in preparing a no fret family budget, and see the benefits of intelligent spending.

1. Gather three months of your pay stubs and get your average monthly earnings.

2. Get out three months of your monthly bills. Do this for the fixed expenses like the rent, phone bill, car payments and other loans that come monthly. Add them up and get the average. Do the same for other expenses like groceries, and credit card bills.

3. Evaluate the results of your computations. Looking at your average monthly earnings against your monthly fixed expenses and other monthly expenses, think of some ways to economize. Cut back on some items that are somehow unnecessary.

4. Knowing the facts of your income and expenses, develop a family budget and try to stick to this monthly budget.

5. Now that you have a monthly budget, set up a savings account. Save up by making regular deposits to this account.

6. Keep track of this monthly family budget just to see if it is working for you. Try to fine-tune the "rough edges" of this budget as you go along.

7. If you can get hold of a personal budgeting software or spreadsheet application to keep record of your budget, the better. This will make organizing your expenses very easy.

These are the basic steps in developing and implementing a no fret, easy to stick to monthly family budget. Of course each family has diverse needs and wants. You have the freedom to develop your own monthly family budget, depending on your family’s financial background and needs. No matter how you do it, just focus on the end result, which is building a savings that leads to a bright and financially stable future for your family.

Thursday, March 26, 2009

Understanding How to Improve your Personal Life

Understanding How to Improve your Personal Life

Its seems like everyone is searching for secrets to health, wealth and happiness. The catch is if you understand yourself, then you would have the knowledge to be both successful in personal relationships and in business relationships. Like everything, this starts with a plan. Whether your looking to improve your relationship with your spouse or family member, or move up the corporate ladder, this is all a result of personal growth. Personal growth starts with doing your best at every moment, in your job, home, or day to day activities. Setting goals, no matter how small enables us to soar to new heights and give us the confidence to achieve more.

Understanding what is important

Many times, people stay hung up on other peoples expectations on what it is to be successful. Each of us has a different idea of what makes us content. It is important to acknowledge that if we spend most of our time and effort trying to reach someone else’s goals, then we find ourselves constantly searching for meaning and continue to be unhappy. Realizing what is important is the first step to improving personal life.

Balance

Balance is the key to success. Some people do not see the concept of success beyond their own needs. Often times we are caught up in serving a dominant function, which overshadows our natural strengths. This results in stress and imbalance in ones life. Learning to do things for yourself and your own needs are vital to improving your personal life. If you are always doing for others, and seldom take time out for you, then you are building stress rather than improving life. Your happiness should come first. Finding it hard to say no to others becomes common and we find ourselves so inundated by the needs of other people. Learn to have an even balance in your life with everything you do and focus on what you want is another way to improve your personal life.

Self Esteem

Putting yourself down constantly, finding it hard to accept compliments and wishing you are someone else are easy examples that you may be sabotaging your own life. Encourage positive self talk with yourself and to others, do not speak negative about yourself and others are vital to great self esteem. Understanding that no matter what, you are ok. Improving your self-confidence is extremely important when improving your personal life. This will take putting your positive beliefs in the front of your mind, and day by day taking away the negative thoughts. Believing in you is another key to success.

If you feel like your on the road to stress and anxiety, and want more out of life, slow down and take a step back to evaluate what is important. Remember that other peoples goals are not always our own, learn to balance your everyday and lifestyle decisions, and most importantly, think positive.

Surround yourself around encouraging, not discouraging people. If you just make small steps to do these things, you will already be improving your personal life without realizing it. The key to success is moving forward. You will need to learn steps to move ahead and stop looking back. Of course, history is important, yet you want to avoid dwelling on past mistakes. Your mistakes are learning tools. Use them, learn from the mistakes, and move ahead.

When you surround your self with positive influences, it helps you to gain the power of processing your life. You have control over conversation and your community. Take back your control and you will improve your overall personal life.

Tuesday, March 17, 2009

Reducing Stress to Improve your Personal Life

Reducing Stress to Improve your Personal Life

When you are feeling under the whether all the time perhaps it is because you are stressed. Stress alone can cause major psychological and mental problems. In fact, stress can cause self-induced exaggerated problems. Stress causes confusion, since it targets your physical, emotional responses, and psychological aspects while causing you pain. Stress is the leading problem that everyone in the world faces at one time or another.

What causes stress:
Bills cause stress, especially if you do not have cash flow to pay the bills. Jobs will cause stress, since you battle to make sure your duties are correctly handled. Children cause stress. Especially nowadays, since the media, television, etc has polluted and corrupted the minds of our children by offering them nudity, violence, and other harmful actions on air. A bad relationship can cause stress. If you are in a bad relationship, it only affects your mind and physical well-being, causing you stress. There are many reasons a person can feel stressed. The upside is, you have the choice to make stress your best friend or worst enemy.


What are the different kinds of stress?
There are many kinds of stress that can cause you problems like the acute stress this is a short term stress problem normally, which may last shortly or could carry forward. You want to avoid overstressing self. One of the common reasons someone develops acute stress is because they are thinking of how to change things they cannot change. Only change the things you can change and learn to accept. We all deal with everyday challenges. Take each challenge as a learning experience. We all have to pay bills, work, and so on. It's a part of life. We all have to face it. Sometimes we do not have the money to pay bills. Learn to set a budget that relieves you of stress. You may loose your job. Instead of sweating the problem, do something about it.

Children these days are increasing stress for parents. Many teenagers these days are difficult to manage. Today our children are plagued with mental illnesses, far more so than at one time in history. When you feel chronic stress, burned out and do not see hope, it is time to seek help. Your doctor or mental health expert can help you manage stress emerging from difficulty teenagers.

How to reduce stress:
You can reduce stress by managing, planning and setting goals. When you have something to look forward to, it improves your personal life. The first thing you want to consider while planning and setting goals is truth. The truth is what sets you free. Everything you do in life should uphold the truth. If you are not sure, research to learn the truth. You can take many steps to reduce stress.

To improve your life and reduce stress you may want to consider education. If you lack skills, experience or education you will benefit from returning to school.

You want to avoid setting traps for your memory and intelligence, since the emotions play unhealthy games if you allow it. What I mean is you want to avoid telling yourself I cannot do it. Life is too hard. Life is easier if you learn to think positive.

How you can improve, your personal life is up to you. You will need to consult with your inner counselor to learn what you need, what you are lacking and the steps you can take to improve your personal life. If you are unsure, seek feedback. Feedback is the key that leads you to success.

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