Having a realistic scope of your finances is a healthy way to take a step toward a debt free life. Many years a ago, Donald Trump (before he was as successful as he is today) made the comparison between himself and a debt free homeless man. He said if he were to give the homeless man one dollar that the homeless man is technically richer than he was at the moment. You may think that doesn’t make sense. Essentially a lot of us live a life that is in the negative when it comes to our finances. We buy our cars, homes, clothes, furniture, appliances and sometimes even our vacations on credit. And we are simply surviving by making minimum monthly payments laced with interest charges. Real money is the money that we actually have in our bank accounts that we earned. Imaginary money is our line of credit and our overdraft accounts. I have seen it time and time again in which the bank gives larger and larger overdraft limits and credit card companies increase card limits. When these increases occur, it does not mean that we now have more money. Remember that money is imaginary, again what we actually have is what is in our bank accounts (or in some old school cases, hidden in the mattress.) I am not saying that credit is a bad thing, however if we assess what we actually have, we can better access what we can afford to actually buy. We have often heard experienced financial analyst and economic geniuses like Suze Orman, tell us to live within our means. Today let’s take the time to determine what our means actually are rather than the imaginary money we believe them to be. Happy savings!!!
I always try my best to be as hospitable as possible. “Would you like something to drink? I have tea, juice, coffee, and water.” Most times it never fails, in which they will ask for water. I am not sure if they are attempting to be polite and maybe somewhere in the back of their mind they believe water is the easier choice or the healthiest choice. So let me preface this by saying, I do not have a problem with giving my guest bottled water. I have a problem with giving them each a cold bottle of water for them to only take two sips from it. I have learned from my mistakes and will no longer allow myself to have partially consumed bottles of water left behind after my guests have departed. I usually take the leftover water and use it to water my plants in an effort to not be wasteful. I have come up with a simple solution. I now pour glasses of filtered water instead of offering bottled water to my guest. The trick is to use medium-sized glasses and a pretty water pitcher. A simple elegant setup that would be reminiscent of a social scene from your favorite soap-opera or television show. Why medium-sized glasses? Well it’s a three little bears scenario: the small glass is too small and the large glass is too big, but the medium size glass is just right. What if my guest is really thirsty? The simple solution for an empty glass is to fill it again. Having the water pitcher handy makes it inviting for your guest to pour themselves more water as well. Use a water pitcher, save water, save bottles, and save money!!!
A bread-maker is a great investment that can save you a lot of time and money. When I was younger I always made my bread by hand. When I first saw a bread-maker, I thought that there was no way that it could work the magic I did with my hands. My mother had one… Continue reading Making Bread and Saving Dough
I by no means am a brand junkie. I will admit however I prefer some brands over others. I like to make my purchases based on quality. I will admit however there are some brands that are synonymous with quality. I remember a few years ago there was a basketball player named Stephon Marbary, who… Continue reading Sometimes spending more can cost you less.
Hard-boiled eggs are so under-rated. They are the perfect snack. In the past many people strayed away from eating eggs due to the claim that the cholesterol content was bad for our health. The government has since changed the stance on dietary cholesterol in regards to eggs for healthy people. Eggs have been found to not contribute unhealthy cholesterol… Continue reading Hard-boiled Eggs: The Perfect Healthy Snack
Recently I posted about how easy it is to work out at home and how its an alternative to gym membership. Today I did a pretty intense cardio workout followed by a quick fitness ball workout. There is no need for me to preach about all of the benefits of exercise that you have heard a… Continue reading Wellness Wednesday: Fitness ball workout
Being fully stocked on all the basic spices and seasonings that you need can save you money. I know a lot of us go out and buy specialty seasoning like taco, jerk, Italian, garlic herb, Cajun and chili seasoning. I will admit I am very guilty of buying my favorite Cajun seasonings the like Tony Chachere and… Continue reading 3 Steps to make your own Seasoning blends while saving money in the process