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Archive for May, 2013


Ways to Save Money

Putting up a savings account is easier said than done. Most people find it difficult to save money because it will mean sacrificing wants, decreasing current consumption or deliberately changing financial habits. While some individuals incorrectly view savings as what is remaining after their needs and wants have been satisfied. All these are just some of the reasons why people have hard time finding financial means and meet financial goals such as investing for a home, purchasing a car or just simply saving up for a rainy day. But setting up a financial plan does not have to be overwhelmingly challenging, it only takes a few baby steps to attain realistic goals and get the most from your hard earned money.

Set saving goals and follow a time-frame

You need to identify your short term and long term financial goals to have a clear picture of how much you are going to save and how long it will take. For short term goals, let’s say you want to buy an apple gadget, determine how much you are going to keep from your salary every pay day and your time frame of purchasing the item. For long term goals such as putting up your own business or retirement, you need to figure out the amount of money you need 15 to 30 years after you stop working. You may also look into how investments can help you achieve your goals.

Strive to clear all your debts

Money freed from debt can easily be re-purposed to savings. Have some calculations of how much you spend for your debts every month and your target time-frame of getting fully paid. It helps to pay your debts on time since it lessens the interest amount and it can be saved instead.

Determine how much is to be saved in a day, week or month

Figure out how much you’ll need to save on a daily, weekly or monthly basis depending on your goal and time-frame. It is important to set up a realistic goal of setting aside a fixed and an approachable amount to be saved as you also adjust it to your usual expenses.

Keep track of your expenses

Don’t spend more than what you earn is basically the idea here. Keeping track of your expenses would literally mean listing down your expenditures for a week or month. It is best to be as detailed as possible without skipping small purchases. This task can also be helpful since reviewing your list may give you a chance to remove items which don’t seem to be very important. In return, you can even save some amount.

Use your creativity and initiative

Make the effort to use your resourcefulness in saving up money without being too hard on yourself. For example, “Lunch Savings” is a mind-blowing effort to cut down your expenses! Instead of spending for your lunch every day, you can just simply pack your own lunch in a brown bag. You just need to make some budgeting on your groceries and estimate the length of time you can consume the goods so you can sustain no buying of lunch.


Combating Stress at Work

We have a number of stressors in life, especially at work, and these can be very bad for our health. Whatever it may be, what matters most is how we handle it and keep ourselves on the right track. This won’t be easy, especially if you are dealing with high-pressure stressors, but it’s important to do so as stress can dramatically affect your thoughts, behaviors and emotions and might be a risk in your work performance. Fortunately there are alternatives and means of addressing unwanted issues in the work place that will help you manage stress with flying colors.

Identify the person, things or situation that cause you stress

Effective management of stress begins with identifying sources that constantly affects you. It may not be easily identified at first since some true sources of stress may not be obvious, or you might have even overlooked them. Look closely at your habits, actions and thoughts. Ask yourself questions like, “What caused my stress?”, “What was my response?”, “What did I do to make myself feel better?”

Look at ways on how you currently cope up with stress

Evaluate your stress coping strategies and figure out if they are effectively getting you healthy. In some cases, what we think as de-stressing activities may not be working for us at all and may even just be counter-productive. If your ways of coping with stress aren’t clearly contributing to get you healthier both emotionally and physically, it’s time to find new ways. Choose techniques which makes you feel clam and in control.

Learn to adapt to different kinds of situations

You cannot always change your stressors but you can change yourself anytime. Dealing with stress is a matter of adjusting your attitude towards a person, situation or thing that causes the stress. It is very important to avoid unnecessary stress since it only adds up to your burden. Maintain a positive outlook, and always look at the benefits you’ll get if you act and think in an optimistic way.

Spare ample time to relax and have some fun

There is no more effective means of combating stress than by giving yourself a break. Take a time out to relax, have fun and savor the things or activities that bring you happiness and good vibes. Take note that if you’re not properly rested, you won’t be able to function optimally in your other endeavors. It’s also helpful if you will do some reflection on the things you are grateful for and blessed with. This will attract positive energy and will help you get re-charged to get back to work.

Start and maintain a healthy lifestyle

Go back to the fundamentals of improving your health by strengthening your system and increasing your capacity for stress. Maintain a healthy lifestyle by having a well-balanced and healthy diet, take regular physical exercises, avoid harmful substances (such as alcohol and cigarettes), avoid any types of drugs, and get enough sleep (ideally, 4-6 hours). Scientifically, we can be weak against stressors if our bodies have not taken the right amount of nutrients and care we ought to give.