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!!!
You may be wondering how paying it forward can save you money. You likely think I am about to go the direction of others that tell you by making a charitable donation you will be able to save some money come tax time. Although that holds true, paying it forward results in great karma. In case you are wondering who or what karma is, think of it as what goes around comes around. Paying it forward can make the difference in your outlook, a difference in outlook can make a change in your finances. Think about the last time you did a good deed, you likely felt great about doing so and hence radiated a great energy. Follow me for moment, when you have a positive energy, it is amazing the amount of awesome deals and opportunities that will come your way. I am not saying to pay it forward and do a good deed solely to profit, but its an added bonus. Pay it forward and profit.
Shopping online versus physically going to shop at a retailer are two processes that vary like night and day. There are those of us that feel we must physically go to the store to view an item with our own two eyes and touch it with our own two hands. Only to then still find… Continue reading 6 Ways Online Shopping Can Save You Money
Delivery pizza is so good. The perfect crust, the hot flavorful sauce and a thick layer of cheese. I’m drooling a little just thinking about it. The dark side of delivered pizza is the minimum order requirements, the delivery fee, and not to mention the tip for the delivery driver. Despite how many options my… Continue reading It’s not Delivery, It’s not Digiorno, It’s Homemade Awesome Pizza
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.
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
In an attempt to streamline our finances, there is one habit for sure that many of us can improve on. There are plenty of times in which major money saving secrets are revealed that tell you to tighten your belt and to cut back on expenses. Some money saving tips are more extreme like dumpster… Continue reading 3 Steps to Paying Bills on Time & Avoiding Late Fees