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Thursday, February 5, 2015

MONEY SAVING TIPS


Saving is the part of  a persons's income that is not spent, for future or emergency use. For example, putting money aside in a bank, for un expected expenses such as sudden job loss, car repair etc. for future uses eg, save for retirement , kids education. Money saved  gives us security and safety.
 


There are so  many tips on google about money saving, but I like to share the followings;

Make a budget;  take all the monthly expenses, try to cut back or minimize the ones you can, and look  for opportunities to maximize saving. By keeping a budget  you avoid spending than you earn.

Pay yourself first ; make saving a habit, each time you get paid, deposit 10% of your income into saving account .

Make a shopping list before you go to shop, and stick to it . So that you can avoid over spending.

Try to buy things that cost less instead of things that cost more.

Don't buy into trends; keep a wardrobe of classic pieces  so that you don't need update your clothes every year.

Save your coins; empty your pockets every day and put all change in a jar,don't touch it, until a specific use.

Pause for a thought ; if you are about to buy something, which isn't a necessity, wait and think twice, before you make a purchase, give yourself a time to compare prices , or come up with a plan b, or decide not to buy.


So money can't buy  happiness but make life easier and comfortable. 

Friday, January 30, 2015

TOXIC FRIENDS



"It’s easy to assume everyone you meet will have your best interests at heart, but some people are only out for themselves. Getting ensnared in a friendship with someone who doesn’t really care about you can be tough, but staying in the relationship can be even tougher. Sometimes you just need to cut ties and move on." Jessica Padykula.


A toxic friend is a friend that makes you fell bad most of the time, is a friend who brings you nothing but grief, disruption, pain, abuse and trouble.  The following are some of the signs which can tell you if your friend is toxic;

  • S/he take and you give always 
  • A friend that embarrasses you in social situation in order to get attention 
  • A person that constantly betrays your trust
  • Rumors started by friend  (confirmed by others) have reached your ear
  • It's seems that your friend only needs you when s/he has problems
  • S/he don't love and respect people who are important in your life
  • You are always there for them, but when you need them they are not there for you
So we need to choose people we hung around with well, if you realize that your friend is toxic  it's better to tell the truth that his behaviour is not acceptable anymore because it makes you sick, and you are willing to continue tha friendship if s/he is ready to change.


Spend time with people who bring happiness and if a toxic friend is not making any effort to stop his behaviour, it's better to quit that friendship and move on, it's stupid continuing at the expense of your happiness.