Personal Finance, Family and Career

Posts from — December 2009

50 Ways To Save Money You Might Not Even Know About

People never read the introductions anyway.

100 ways to save money

  1. Shop after the holidays
  2. Conserve Water
  3. Grow your own vegetables
  4. Ask your bank for a debt repayment plan
  5. Stop playing the lottery
  6. Buy in bulk
  7. automate bills payment
  8. Try home remedies
  9. Quit Drinking often
  10. Quit smoking
  11. Avoid convenience stores
  12. Make your own detergent
  13. Use a clothesline for drying
  14. Read
  15. Buy with quality in mind
  16. Buy less clothes
  17. Do it Yourself
  18. Don’t watch television
  19. Wash your hands
  20. Open the windows
  21. Use Coupons
  22. Buy Generic
  23. Have a grocery list
  24. use power surge protectors
  25. Quit the video arcade
  26. Vaccinate your dog
  27. Have a budget
  28. Clean your surroundings
  29. Exercise
  30. Pay yourself first
  31. Use Natural Light
  32. Open a savings account
  33. Eat less meat
  34. Drink a lot of water before meals
  35. Get a postpaid internet plan
  36. Shop for supplies months before the school season
  37. Marry who has the same financial values
  38. Unplug appliances not in use
  39. Live closer to work
  40. Use the public transportation
  41. Stop dining out
  42. Brush your teeth
  43. Have a checkup
  44. Eat natural foods
  45. use free software
  46. Cut your own hair
  47. Use a normal razor
  48. Pack your Lunch
  49. Use Compact Fluorescent Lamps(CFLs)
  50. Pay your Debts

December 14, 2009   1 Comment

Personal Goal Achievement

Where are you going?

Where are you going?

Goals are outcomes, changes or desired end results that can be expected from doing certain tasks and activities.

Most people have goals. It’s entirely natural for someone to want to achieve something he or she likes. For example, I would like to be a general manager or a business owner someday. A friend of mine likes to be a game-developer someday. So how do you go about your goals? What should you do?


If you don’t know where you are going, you will probably end up somewhere else.

~ Dr. Laurence J. Peter

Know what you want. Its very clear that a person who doesn’t know what he or she wants would not achieve anything he or she wants. If you want to achieve something, you need to be clear on what you want. Write on one small paper what you want. For example if I would like to be promoted to being a general manager I would write, “I want to be promoted to the general manager position”. It’s as simple as that.


Watch your thoughts, for they become words.
Watch your words, for they become actions.
Watch your actions, for they become habits.
Watch your habits, for they become character.
Watch your character, for it becomes your destiny.

~ Frank Outlaw

Visualization is the next key to achieving your goal. Visualizing yourself succeeding at achieving your goal helps you build confidence and vice versa. Allow yourself to see only one image which is achieving your goal. Believe you can do it. Confidence and belief makes us perform at our best and thus resulting in goal achievement.


Your future is created by what you do today

~ Rich Dad

In Retire Young, Retire Rich, Robert continues with, “What you are doing today is your future”. Robert Kiyosaki is a famous financial educator. He and his wife wanted to build businesses in the future. So, even though they had no money, everyday they practiced building businesses and they eventually became owners of multiple companies.

In our example, I defined my objective or goal, “I would like to be a general manager”. I visualized it. Now, I would act and talk like a general manager. I will practice being a general manager by doing what a general manager does and eventually I will become one.

Don’t instantly become. Remember that to become needs a change of habits, thoughts and actions. Make gradual progressions on changes you need to do in order to become.

I would like to hear what you can say about my method of goal achievement.

Photo by zaraki.kenpachi

December 7, 2009   No Comments