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Budget Management: 10 Simple Tricks to Help You Save Money

Budget Management: 10 Simple Tricks to Help You Save Money

Stress is a pretty silent but a very strong killer and the most common source of stress people are dealing with today, is money. Being something that we can’t live without and that simultaneously isn’t a thing a lot of people can gather easily, money can be a serious issue.

You should get rid of this raining cloud that keeps following you around. First of all, it’s important to understand that the chances of a distant cousin leaving you with a huge inheritance and turning your luck around are quite negligible and you shouldn’t count on them.

However, the good thing is that you can enjoy your lifestyle and improve it significantly if you introduce a couple of changes to your life.

Make a Realistic Plan

People who overspend usually do it because they are unaware of their spending limits. Having nice things implies that you have to work hard for them – so, be realistic. If you want to stop starving during the last week of each month, you should begin them by making a budget plan. Thus, you’ll be able to stretch your budget, afford all the necessities and direct those leftovers towards enjoying yourself.

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Mind Your Cooking

First of all – if you don’t prepare your meals at home, you should start. Eating healthy should be on the top of your priority list; it’s the source of your health and energy – and it’s less expensive than eating out.

Once you’ve got quality sorted out, you need to focus on quantity. A huge number of households are wasting enormous amounts of food by preparing too much, eating too little and throwing out the rest. You will need some time to harmonize the amounts of ingredients in your meals, but until you’re a pro, you should eat leftovers – simple as that.

Goods Exchange

Instead of purchasing new clothes or books, you should settle for used items. Many great organizations and websites out there are built as mediums and serve to connect people who want to exchange their used goods for others or sell them for a lower price than those you’d expect to see in stores.

Turn off Cable

Most households still subscribe to cable TV because out of nothing more than maintaining a habit. The truth is that you can spend more time with your personal computer or smartphone than watching TV and it seems like this appliance has become more of a noise regulator than an entertainment source. Besides, everyone is turning towards mediums like Netflix, as they are less expensive and a lot more user-friendly.

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Use Public Transportation

Other than being a green alternative, trains and busses are also a cheaper transportation method that can actually be faster if you harmonize your schedule with theirs. Sure, cars are comfy, private and all that, you’re used to that luxury, but it’s a thing you can live without. At least for now.

Change Your Phone Plan

Many people just sort of go with the plan their mobile career selects for them – you should change your phone plan because you can. You should evaluate how much you actually use your package because I bet that you spend more time using Wi-Fi. Considering the fact that your smartphone is one very personal item, you should adapt it to your needs.

My suggestion is to think about mobile phone insurance as well, so that you have a backup if it gets lost, stolen or damaged – you won’t have to worry about those costs if that time comes.

Collect Coupons

If you’d like to spend less money, you should invest more time. In order to cut your shopping costs regarding the essential list of items you find necessary like groceries and hygiene products, you should gather coupons and use them wisely. Almost all supermarkets and stores have an extensive list of discount offers you should definitely take advantage of.

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Entertain Guests

These changes will affect your social life as well, but that doesn’t mean that you should withhold from socializing – simply move it from overpriced bars and restaurants to your home and entertain your guests.

My suggestion is to make a selection of must-see things – your favorite band having a concert or an exhibition you’ve been waiting to see for a really long time and save up for those events. Going out should be all about spending quality time and doing the things you like – I’m sure you got bored on numerous occasions by following your friends to an event you’re indifferent about and this change is going to have a positive effect on that.

Think about Electricity

Simple things – I’m sure you’re already familiar with this because every single article about saving money mentions it – like turning off lights when you leave the room, make a significant difference at the end of the month and you should apply them.

One more thing that’s less known – you should unplug all appliances you don’t use because that way, you won’t spend any “phantom energy” those very same appliances are draining even when they’re not turned on.

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Consult Professionals

People go to school in order to learn how to manage budgets, so this is a skill you learn. If you don’t seem to make a difference and you still end up getting back to old spending habits, you should either consult a professional or sign up for a class.

This investment of your time into learning about money and how to treat your budget properly will make you a happier person in time – it did so for me. Life is a better place when you don’t have to worry or stress out over bills each day.

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Last Updated on September 10, 2019

7 Morning Rituals to Empower Your Day And Change Your Life

7 Morning Rituals to Empower Your Day And Change Your Life

Most of your reality is not a given. It is shaped by your expectations, beliefs and thoughts you have formed about it. A big chunk of these beliefs and expectations are encoded into habits you integrate in your daily life.

Yes, some of these habits are formed unconsciously and can be counter-productive or limiting but conversely, you can consciously form positive habits that will transform and empower your life significantly.

This is a powerful point of departure that more and more people are becoming aware of. The most common trait of highly successful people is the recognition of the power they have in co-creating their reality through changing the way they think, believe or expect their reality to be.

One of the most effective ways of changing our belief patterns is through practising and maintaining daily rituals. Ancient traditions had clearly understood the power of rituals in reinforcing habits and changing the way we see and create our reality a long, long time ago.

Once again, if you look into the life history of any highly successful individual, you will find some form of ritual in their daily routine. Some of these rituals may seem banal or eccentric but don’t be deceived by appearances. Rituals are one of the most effective self-empowering tools freely available at the practitioner’s disposal – that is, you!

Below are some the easiest yet life-changing morning rituals you can do every day. Of course, you can have your own afternoon or bed-time rituals but morning rituals are extremely effective in empowering your day since they help you charge yourself before it all starts.

1. Gratitude

Feeling gratitude and appreciation for those little signs and moments of joy happening in your life is probably one of the most overlooked or underestimated rituals. It is a perfect morning ritual to start your day on a very positive key.

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The real power of gratitude is that it makes you pick out and focus on what is working in your life – what is in tune with your being as a whole. It is selectively positive. It reinforces happiness and positivity by shedding light on those awesome things, small or big, that grace your everyday living.

Quite often, we just pick out the pain points, the problems, the bottle necks, whatever it is that is not working in our life and causing friction, anxiety and unhappiness. This is like constantly rewriting the script of your life with a negative or tragic overtone. Your subconscious mind follows faithfully that script you write whether it is a negative or positive one.

So feeling gratitude is undoubtedly an immensely empowering ritual. Start your day by being thankful for those positive things that happened the previous day or throughout the week. It could be something really petty and small. It doesn’t matter. You might be grateful for an unexpected visit from an old friend, a beautiful encounter with a kind stranger, a new opportunity or whatever it is that shines your way. Do it every morning and see what happens during the day.

Gratitude-Quotes

    2. Writing Down Your Most Important Tasks

    This is a very practical ritual. Start your day by identifying and writing down from one to three of the most important tasks you need to complete during that day. These tasks are ones which support important long term goals that are aligned to your purpose, passion or general direction in life.

    For example, if writing a book or building an online community are important long term goals which are aligned to your personal growth, then an important task for the day might be finishing off a particular page or two of the book or coming up with fresh content ideas for the online community.

    What is important with this ritual is that you identify these tasks and complete them as early in the day as possible. Of course, you will have other tasks apart from the ones you will write down but, these are tasks which can be tackled later or batched up and carried out in one go.

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    Writing down your most important tasks in the morning helps you focus your day and life according to what is essential. It helps you prioritize and manage your time better. As a result, you simplify your life by applying your focus and energy on what really counts for your overall life progress.

    3. Affirm Your Goals in Writing or Drawing

    This is similar to the previous idea but different in its application and purpose. Writing down your most important tasks of the day is a way to have a concrete structure of action to follow. Affirming your goals, on the other hand, is a very powerful way of crystallizing your vision and goals in life into your everyday mental space.

    Writing down or doodling your goals on a piece of paper helps you externalize those goals by giving them form. In return, they are reflected back in your subconscious mind and thus, reinforcing them and integrating them more wholly.

    An example of this would be writing down “I am achieving greater success in my career” or “I am becoming healthier and stronger through my exercise.” Notice the present tense being used as a way to tell yourself you are in the process already. Remember the life script we subconsciously follow? You are basically modifying the script to be applied now in the present.

    Drawing or doodling can be equally, or even more, effective  (if you are more of a visual person) as it summarizes a graphical representation of your goals. For example, if your goal is to build a new house or live in another country, you can draw the house or draw things that symbolise the country you want to live in.

    write down goals

      4. Practice Qi Gong Exercises

      According to Chinese philosophy, Qi (pronounced ‘Chee’) means the life force or energy inherent in all things;[1] and Qi Gong is the practice to cultivate and circulate that energy in your body. This may sound esoteric or complicated but actually, Qi Gong is really a set of simple exercises aimed at increasing your health and vitality.

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      There are numerous forms and practices available for free through the online media. As a morning ritual, I recommend following these simple exercises by Qi Gong master Lee Holden:

      5. Drink Hot Water with Lemon

      Simply add a slice of lemon in a glass of hot water and drink one every morning. This is a very simple ritual I follow faithfully every morning.

      Apart from being a good source of vitamin C and a great way of flushing out toxins in the morning, it balances and maintains the PH levels in the body, reduces pain and inflammation in joints and knees and helps nourishing brain and nerve cells. Here are some more benefits of drinking hot water with lemon.

      6. Rise Earlier

      The practical advantages of waking up early are obvious.

      For example, you gain more time for doing exercise such as walking, cycling or Qi Gong as suggested above. You gain more time to be with yourself to reflect, meditate or, more importantly, carry out the other morning rituals.

      So rising early can be seen as a foundation for all the other morning rituals. Many, like myself, find that they are more productive in the early hours of the day.

      Also, various studies have shown that there are many other benefits from waking up an hour or two earlier in the morning. Sleeping early and waking up early helps the body attune with the earth’s circadian rhythms thus, promoting more restorative sleep. Other curious results from such studies show, for instance, that early risers tend to be more optimistic and can anticipate and solve problems more efficiently than the norm.[2]

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      7. Listen to Uplifting Music

      Uplifting music can have a direct impact on our mood, especially in the morning. It charges us emotionally and tunes us into a more positive outlook of the day ahead.

      Most people wake up to music or listen to music as they commute to work. Very often, however, they tune in to a radio or randomly pick a playlist from their device. Being more selective and conscious of the music you listen to in the morning can have a great impact on your day and life in general.

      It’s funny how we try to choose music according to our mood. For example if you are feeling down or disappointed by something, you are more prone to listen to music that reflects that mood – for instance blues, sad songs or downtempo music. This has the effect of reinforcing that mood. What you need to do is the exact opposite and retune your mood by listening to music that beats to a different tune than that mood.

      Try to listen to more uplifting music in the morning even if, or especially if, your mood does not dictate so.

      More About Energetic Habits & Rituals

      Featured photo credit: Carli Jeen via unsplash.com

      Reference

      [1] Live Science: What Is Qi Gong
      [2] Harvard Business Review: Defend Your Research: The Early Bird Really Does Get the Worm

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