Category Archives: Personal Development

Easy and painless money saving tips

Money Management

No matter where you are on your financial journey, it is possible for everyone to turn their financial life around and save money. Often all it take is a few steps in the right direction but, like most things, the first step is always the hardest.

I have created a list to help you get started. None of the money-saving tips will be life-changing steps on their own, but over time they can make a huge difference if you are capable of implementing more than one. Some are easier to adopt, while others will take a bit more effort and discipline on your part.

Not all the money-saving tips will apply to everyone, but if you select a few and apply them to your lifestyle spending habits, you will quickly find that you will be saving more money than you thought possible.

Here goes:

  • Transfer banking accounts to a different institution and take advantage of perks, reduced fees, and earn more interest.
  • Save all your change and be surprised how much money you can accumulate at the end of the year.
  • If you are a hoarder of things, then stop collecting and start selling your things on websites like Craigslist.
  • Sign up with every free customer reward program and get rewarded for shopping.
  • Instead of buying gifts rather make them yourselves. Use the web for ideas and suggestions.
  • Implement the 30-day no purchase rule. Before buying anything, give yourself 30 days to decide before making any purchase.
  • Before going grocery shopping you should make a list and stick to the list.
  • Instead of eating out with friends rather entertain at home.
  • Don’t toss that shirt with a broken button, rather repair it. Basic sewing jobs can be done by anyone.
  • When you spring clean your closets and home, instead of dumping everything rather have a yard sale.
  • Drink more water. Not only does this have great health benefits, it is also a financial benefit.
  • Avoid convenience and fast foods at any cost.
  • For those smokers out there, for heaven’s sake (and your health) QUIT SMOKING.
  • When you cook make more than one batch which you can freeze and eat another day.
  • When you leave a room turn off the lights.
  • To save on the electrical bills install CFLs or LED lights.
  • Install a programmable thermostat, keep your doors closed, and make your windows are well sealed.
  • Make sure you service your car and change the air filter.
  • Stop using your credit cards.
  • When you plan your grocery-shopping look for daily deals or coupons.
  • Compare prices at different grocery store and see which store gives you the best value.
  • Avoid those spending sprees after a stressful day. Don’t purchase things to make you feel better.
  • Cancel all those unused subscriptions. How many of you are actually making use of your gym membership.
  • Buy used good when you can. Often, with a bit of clever shopping, you can buy things from reputable used equipment stores.
  • Avoid getting sick and wash keep your hands clean and avoid medical bills.
  • Do your holiday shopping after the holidays and find those deals.
  • Instead of buying name brands rather buy generic store brands.
  • Stick to reliable, full-efficient vehicles when purchasing your next vehicle and save on fuel.
  • Avoid going to the mall and window-shopping to avoid temptation.
  • When purchasing an item, take a few second and ask yourself if you really need it or not.
  • If you have an extra room think about renting it out on say Also a nice way to meet new people and culture.
  • Cancel all this magazine subscriptions.
  • Eating a healthy breakfast will provide you with energy for the day and curb your desire for big, expensive lunch. It is also very healthy, quick and inexpensive.
  • Don’t feel that leftovers are just inferior rehashed of meals.
  • Instead of going out to eat each day at work, rather make a healthy lunch at home and take it to work.
  • Instead of hiring contractors to fix things, try to do it yourself.
  • Use your freezer and buy those special 2 for 1 offers.
  • If you are looking for entertainment try check out the free events in your neighborhood and town.
  • Regularly check your vehicle tire pressure and save on fuel.
  • Start a herb and vegetable garden. Nothing better than being able to eat your own homegrown food.
  • Instead of driving make use of public transportation and save on full and parking costs.
  • Instead of waiting for something to break do your own home maintenance.
  • Buy in bulk when shopping for your staple non-perishable goods.
  • If you are going on a road trip rather pack food for your journey instead of stopping ate restaurants along the way.
  • Go through your cell phone bill and cancel the services you don’t use.
  • If you are thinking of buying a car, it is a good idea to look for a used model in good condition. Remember a new car loses value the minute you drive it out of the show room.
  • Spend time with you HR department at work and learn about the benefits your company can offer you. you might be surprised.
  • Don’t speed when you are driving. Rather leave a little earlier and improve your time management skills.
  • Don’t be afraid to ask to waive any fees when signing up for anything. Worst that can happen is that you get a no for an answer.
  • Be humble and use brutal effective coupon strategies. You will be surprised how many rich people use coupons these day from shopping to restaurants to entertainment.
  • Protect your home, appliances, and electrical devices with surge protectors.
  • Cancel all those cable and stiletto channels you don’t watch or need.
  • Get off the couch and do more exercise like walking or jogging.
  • Use online banking to for paying bills and other banking services to avoid spending on stamps, checks, and unnecessary teller fees.
  • Most of all never give when you are struggling with debt. Search the web for personal financial articles for advice and suggestions.

How to improve your productivity at work

Productivity tips

We are all confronted with productivity issues on a daily basis and there are only 24 hours in day. But somehow there are some people who always have twice the amount of time and the ability to get things done even when juggling multiple projects. How do they achieve their goals and objectives without fail?

Productivity is a combination of both intelligent planning and focused efforts. It is always a challenge to stay productive at work and home. We all know that great feeling after leaving the work after an ultra-productive day. With the right attitude and approach, you can make every day productive. It is not about working longer hours, rather it is about working smarter.

Here are a few tips to improve you productivity:

Deal with things as they happen – Avoid saving emails or phone calls for later. As things get your attention you should act on it, delegate it or delete.

Always prepare for tomorrow before leaving work – It is a good idea and habit to spend some time at the end of each day preparing for the tomorrow. This helps you understand what you have accomplished during the day and will promote a productive day tomorrow.

Don’t get distracted by your Inbox – Try not letting your email to be a constant interruption. Try checking your email at designated times and take advantage of features that prioritize messages by sender. Set alerts for more important clients, customers, and vendors.

Always do the worst tasks at the start of each day – Avoid procrastination and deal with the most dreaded tasks and items on your to-do list at the start of every day.

Take time and go off the grid – Don’t be afraid to go off the grid when you need to. Leave your contact number with a trusted person who will filter all enquiries. Going off the grid can help to complete high-priority projects and tasks.

Stick to meeting schedules – Meeting are generally the biggest waste of time and can drag on forever if not managed well. Sticking to meeting schedules will keep everyone focused and efficient.

Avoid social media distractions – There are people who have Facebook, Twitter, LinkedIn, YouTube, Instagram, Hootsuite, Tumblr, Foursquare, Shutterfly, Pinterest, Google Chat, Reddit, and StumbleUpon accounts. And when they are not on social media they are checking their email. If you are falling behind on work and cannot focus on the tasks on hand, then perhaps you should consider uninstalling some apps.

Don’t be afraid to delegate – Ultra-productive people accept the fact that they are not the only smart and talented person in the organization. Trust your co-workers when you delegate tasks and have faith that they will do their jobs so that you can focus on your.

Don’t be afraid to say NO – Avoid using phrases like ‘I don’t think I can’ or ‘I am not certain’. If you are able to say no to new commitments then all you re doing is respecting your current commitments and increases the chances of completing them.

Avoid unnecessary meeting – Even if it seems tempting to meet with people for the benefit of networking, the time you get at your desk is extremely valuable. It is important to be able to refuse meeting that are not important.

Avoid multitasking – Multitasking is a productivity killer and should be avoid at all costs. Research has shown that multitasking is less productive than doing a single thing at a time. Multitasking reduces your ability recall information, reduces your attention span and switch from one job to another as well as those who complete one task at a time. Multitasking reduces your performance and efficiency because our brains can only focus on one thing at a time. Multitasking reduces the capacity to perform.

Let technology do the work for you – Even-though technology can be a distraction, it can also help you focus. Set up email filters and prioritize your Inbox, use apps to alerts you something important happens, like when a stock hit a certain price, for example. Or when you receive an important email from a good customer.


Benefits of Continuing Education for Everyone

Continuing Education Benefits

One of the biggest benefits of continuing education is that it can improve one’s skills in a current job or help gain new skills in preparation for a career change. There are also huge benefits for employers who promote continuing education in the workplace. If you enjoy learning or are seeking a higher salary, continuing your education can be done at any stage of your career and life.

A major driving force increasing the demand for continuing education is current economic conditions and uncertainty in the global markets. It is during these times that many people seek to improve their skills to stay hired or find other job opportunities.

There are also major benefits for employers who promote continuing education in the workplace. Employees to seek to improve their skills can be an incredible asset for the company. Continuing education in the workplace can be a win-win for both employees and employers. Companies that are truly interested in the welfare of their employees and their professional development often offer full or partial financial aid packages for training.

Benefits for employers:

Highly skills workforce – There are many intrinsic benefits having a well-educated and skilled workforce. Skilled employees bring new ideas and creativity to the job.

Upgrading of technology skills – Given the rapidly changing market and improvements in technology, companies need to ready and prepared for these changes.

Retain your happy employees – Companies that invest in the skills development of their employees generally have a better chance of retaining their staff as well improve employee moral and job satisfaction.

Impact on profits – Companies that promote skills development and continuing education will see a direct beneficial impact for the company. Happy employees are loyal and this will be evident in their productivity.

Identify future leaders – Employees who are interested in improving their skills and continuing with their education are often perfect candidates for future leaders roles and positions in the company.

Benefits for Employees

Higher salary – Continuing education improves your chances of promotion and a higher salary.

Improved marketability – Upgrading one’s skills will have direct effect on your marketability in the job market.

Learn new skills – Continuing with your education can help you to obtain the required skills and knowledge when facing any job or career transition.

Personal development – Learning and training does not have to relate to your career or job. Continuing education is a perfect way to follow a personal interest.

Improved image – Continuing education can also have an effect on how people around you perceive you. It can enhance your self-image and have a positive effect on your life.

There is no doubt that continuing education benefits employers and employees in many ways. Whether it is to improve proficiency in the workplace, improve employee promotion options, or learning new skills; continuing education has many benefits.

Whether it helps them to become more proficient in their current position or it prepares them for a better chance at promotion, acquiring additional skills and knowledge benefits employees in many ways. Well-trained and well-educated workforce helps companies to achieve long-term viability and profitability.



Habits of happy people at work

Happiness at work
Research has revealed that there are simple, concrete things you can do to feel more positive and happier. Like working out and eating healthy takes effort and commitment, being happy at work is something you have work on. It’s a skill that can be learn but takes practice.

Here are a few habits and daily routines you can adopt in pursuit of your happiness at work:

Affirmative staff recognition – Positive recognition of your staff not only increases staff happiness, moral and job satisfaction, but will also make you feel good.

Smile regularly – Smiling not only shows others around that you are feeling good but will also get your endorphins moving and make you feel happier and lower your stress levels.

Never focus on the clock – We all have experiences one of those days that just seems to drag on and all you can think about end of the work day and leaving. Clock watching only makes the day longer. Rather focus on work and set small goals and task for yourself.

Don’t hold grudges – A key to happiness at work and home is to let go of grudges. Not something easy to do but with practice you will succeed.

Take care of your health – Exercising regularly will help to boost your energy levels and will make a huge difference in how you feel.

Don’t forget to laugh – Laughing is good for your internal functions, as it reduces blood pressure and stress, releases endorphins, and causes a general sense of well-being.

Follow a balanced nutrition plan – Eating healthy will avoid health issues that cause stress level to  rise. The food you eat will have an impact on how you feel.

Don’t be afraid to delegate – Delegating task to employees will build loyalty amongst staff but also will reduce your stress levels and pressures of deadlines. You will also get the satisfaction of managing your department knowing that all tasks are taken care of.

Create goals and celebrate your victories – Break your larger tasks into smaller goals that you can celebrate once achieved. Celebrating your achievements release dopamine, a brain chemical related to happiness and motivation.

Find your passion – We all can fantasize about that dream job that pays well, work with likable colleagues and still be home in time for dinner. But the perfect position might not exist. Rather focus on how you think about your current situation.

Acknowledge your life accomplishments – Looking back at past accomplishments helps to relive the joy of your past successes and produces that all-important serotonin in the brain.

Take responsibility for your action – Taking responsibility for your actions will help you to avoid the stress of trying to blame someone else and the ensuing relationships issues that will follow. Taking responsibility keeps your integrity intact – and that feels good.

Avoid eating lunch at your desk – Take a break and leave the office for lunch. The break from the office environment and fresh air will make you feel good and refreshed.

Get a full nights sleep – Getting a good night sleep will not only improve your productivity but also your mood and level of happiness.

Pick your battles to fight – By carefully selecting the battles you wish to fight will reduce stress and improve your overall happiness. Others will also listen to you and respect you opinion when you do choose to express yourself.

Take time to reduce stress – Taking a break is essential given the intense business world. This could include a weekend getaway, meditating each, or even hanging out with friends and family.


True signs of a confident person

Self Confidence

Confidence can take many forms from arrogance to self-assurance. Some people try hide or mask their insecurities with false confidence, while others show true confidence and this has an entire different look and feel.

There is no doubt that people with high levels of confidence always have the upper hand over those people who question or are doubtful about their own self confidence. Confident people tend to inspire other around them and make things happen.

Your mental state has a direct effect on your ability to succeed. Confidence brings action and hopefully success resulting in higher wages and better chances of promotion.

Here are a few habits of confident people that sets them apart from others:

Happiness comes from within – Happiness is a critical element of confidence, because in order to be confident in what you do, you have to be happy with who you are. Confident people derive their pleasure and satisfaction via heir own accomplishments.

Confident people envy pass judgement  – Confident people believe that everyone has something to offer and don’t pass judgement. They don’t need to take other people down a notch in order to feel good about themselves

Only say Yes if you truly want to – Studies have shown that the more difficulty one has saying no, the more likely they will experience stress, burnout, and even depression. Confident people know that saying no is healthy and they have the self-esteem to make their no’s clear.

Confident people speak with certainty –  Confident people speak assertively because they know that it’s difficult to get people to listen to you if you can’t deliver your ideas with conviction.

They seek out small victories and accomplishments – Confident people like to challenge themselves no matter how big or small the victories and outcomes. When you have a series of small victories, the boost in your confidence can last for months.

Stay healthy and exercise regularly – People who exercise regularly tend to be more competent socially, academically, and athletically. When you feel good about your body an health your self-esteem will be higher.

Never seek attention – No one likes a person who continuously seeks attention. Confident people know that being yourself is much more effective than trying to prove that you’re important.

Nothing wrong admitting when you are wrong – Confident people aren’t afraid of making mistakes or being proven wrong. They like putting their opinion out there to see if it holds up, because they learn a lot from the times they are wrong and other people learn from them when they’re right.

Identify opportunities and take them – Confident people are able to see opportunities and take them instead of focusing on the negative or what could go wrong. No such thing as failure, rather failure is part of the path of learning.

Never afraid to ask for help – Asking for help and assistance is not a sign of weakness or lack of intelligence. Confident people know their own personal strengths and weaknesses and they look to others to fill the gaps. Asking for help is also a way of learning and improving one’s skills.