6 Little Spending Mistakes That Can Cost You Your Financial Freedom

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Financial Freedom, Spending Mistakes, Money, Accounts, Finance, Lifestyle, FX777, FX777222999, Life, Wealth, Loans

Photo Source: "Financial Freedom by Nicci Chicago, on Flickr">



Can't seem to get ahead financially? Debts piling up? Maybe you're making some of these mistakes unknowingly. These mistakes listed below will help you understand where you may be going wrong and how to get back on track quickly. You can be debt free.

Mistake 1. Living Beyond Your Means

This is the real cause of your worry and stress. If you are spending more than you are earning, whose money are you spending? It's the credit card provider's or the bank. The cost of this money is interest.

The way out - Make a Commitment to yourself only to spend within your income limits. Maybe you could increase your income (or cash in) by applying for more skilled positions, selling some of your unused articles or assets. Is the second car really a necessity? What about working out ways to make your hobby pay for itself?

Why not find ways to reduce your spending? How much would you save each year if you decided not to have the daily coffee shop coffee? Why not make your work lunch each day rather than buying it? Commit to only buying the necessities.

Mistake 2. Paying Off Less Than the Full Credit Card Balance Each Month

Get this debt under control and your life will be much easier. If you are like many others and only pay the minimum balance each month, the interest on the interest makes those purchases oh so expensive.

The way out - Find ways to put aside more money to apply to the credit cards. It will take time to reach this goal. However, if you don't make a start now you may never pay them off. This situation did not occur overnight and neither will the solution. But, by diligence and commitment you'll get there.

Mistake 3. Not Really Knowing Your Financial Situation

Before you can set meaningful goals and develop savings strategies you need to know your financial situation now. The best, proven and tested method by far, is by developing your own personal budget. This is not hard to do. Please don't give up now. Just follow these simple steps:

The way out -
a)Find your latest credit card statements. Write down all the unpaid balances.
b)Are there any other unpaid debts (not home or car) then include these balances as well.
c)List out your (or family) monthly income. Only the amounts "brought home". Include all types of income.
d) Work out your monthly spending. List out where all the money goes. Don't leave anything out.
e) Minus the monthly spending total from the monthly income total and review the answer.
This will give you an initial idea as to whether you are living within your means or on borrowed money.

Mistake 4. Continually Adding to Your Debt

If debt has got you into this situation it is critically important not to add to the state of affairs and thus make it worse.

The way out - cut up the credit cards, keeping only 1 for emergencies. Don't buy on impulse. Ask yourself twice or three times before you buy anything "Do I really need this?" before you hand over your hard-earned money. Don't buy at the height of the fashion or fad. Commit to never paying full retail for anything. Get it on sale or negotiate a lower price.

Mistake 5. Spending All Your Income

It may sound OK to spend any money you earn but there are risks attached to this strategy. How are you going to pay for emergency items? What about major car repairs. What about major electrical appliance replacement? Are you going to pay for these on credit? Bad idea! How are you going to save for a substantial deposit on the next car?

The way out - Once you've prepared your budget you will clearly see what you need to do to put some income aside for other needs such are emergencies and repairs.

Mistake 6. Spending Without Caring About Your Future

Unless you are planning for your future and financial security, you cannot be really happy. There are always worries lurking in your mind about how you would survive in a financial emergency if you have no savings. It can be very rewarding to see how quickly your savings multiply over time with only a small investment each payday.

The way out - Take stock of your life and realize that tomorrow won't look after itself. It needs your attention. Keep some funds aside to put away for your retirement, children's college costs, emergencies, holidays and major purchases.

Avoid these 6 spending mistakes and you'll be well on your way to financial freedom. Guaranteed.



Source: Bruce Hokin

Dating Tips For a Man: What A Woman Needs #FamilyLife

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Perfect Date, Dating Sites, Relationship, Marriage, FX777, Lovers, Love, Life, Family

Photo Source: "perfect date, udaipur by nevil zaveri, on Flickr">


If you're asking, "What do women really want?" whether for dating, romance or relationships the answer is simple. Women really want a man who is self confident. Now, we said self-confident. We didn't say arrogant, obnoxious, filled with his own self-importance, or so narcissistic that he thinks he's more special than any of the ordinary people of this world.

A man who is self-confident believes that he has the strength to tackle adversity, has or can learn the skills to make a happy and successful life for himself and his family, and believes so strongly in himself that he isn't threatened by an equally strong and self-confident woman. That is what women really want.

To achieve this self-confidence that women really want from their partners, doesn't mean that you turn into macho man. You don't have to develop the physique of Arnold Schwarzenegger or the swagger of John Wayne. You can even have and show some fear, some vulnerability and even an occasional self-doubt and still exude confidence.

If you're asking, "What do women really need?", you get a very different answer. Even the most independent of women are dependent on men, so says a prominent psychologist. While women boast of being feminists, this expert says, they haven't changed from the generations where men were needed to complete them, and for their very survival. The psychologist claims that it will be another 10,000 years at least before men are not what all women really need above all else.

His stance is that women really need men because they come preprogrammed to feel dependent on the male of the species. Even though women are doing well financially on their own, climbing their career ladders and living allegedly happily on their own their psyche, according to this study, includes a fear that they can't survive on their own without a man.

The researcher who published this report on what women really need specializes in evolutionary psychology. He analyzed much evidence that he determined proved key differences between the sexes that are as true now as they were in the days of the cave dwellers.

Women, he points out, really need men partly because they are smaller and therefore weaker than males. They need men to protect them physically at times, but also need their social standing, which, in today's uneven world, seems to still be greater for the male than oftentimes for a female whose career is more successful.

In this study women were asked to choose their potential mates from groups of three types of males. The first group of men were not overly handsome, just kind of average looking and some downright ugly; and wore expensive business suits.

The second group were men of somewhat better looks who dressed casually in chinos and golf polo shirts or similar wardrobes. The third group were handsome, muscular men in Burger King uniforms. Time and time again the women picked the less physically attractive men in the suits. The Burger King guys came in way at the end of the choices. What this proved to the researchers was that what these women really needed was stability and social standing.

A male who is young and not socially savvy will seldom attract the attention of or solicit a relationship with an older, somewhat unattractive woman who is a noteworthy and socially prominent figure. You'll often see young, unsophisticated women who are not so worldly wise pursuing relationships with and falling in love with older, not particularly physically attractive who are worldly-wise, powerful, successful and socially prominent. Women really need this kind of power on the fringes when they can’t come up with their own power.

A bit more about the kind of self confidence that women really want from their man is the kind that says, "I know I can most likely get through this okay, and I'm sure going to try". Women don't really need you to be a rah-rah cheerleader every moment of every day. They just need you to show that when the chips are down you can take it and still be there for themeselves and you both.

Self-confidence isn't as easy to achieve for men as it was before, and perhaps that is why women really want to see it so much more now. In past centuries, survival was dependent on self-confidence. Men had to know they could kill the game for their family's food, could outshoot the villain at the castle gate, and could bring in a crop to feed their family through the winter. That kind of self-confidence for men was a given. Women didn't think in terms of really wanting that kind of man. A man that survived very far into adulthood during turbulent times such as the Middle Ages and the early Wild West days of the United States' development obviously had confidence or he wouldn't be alive.

What women could say they really wanted then was a provider, a fighter, a great shot, and an accomplished sharp-shooter.

Today's man doesn't need to have confidence in his pugilistic skills, his marksmanship, and he doesn't even need to provide for the entire family in most cases. So for some they've lost track of where their self-confidence is coming from. This makes women want to see that self-confidence even more because it's not as obvious or abundant as it once had to be.

In short, what women really want is a man who is willing, even though he has fears, to stand up and face the trials and tribulations of each new tough day with success, and who is strong enough to allow her to be strong without fear of his resentment of her strength.


Source: Abbas Abedi

Retirement, A Cruel and Unusual Punishment #FamilyLife

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Can you imagine being retired with nothing to do? Would it not be one of the cruellest punishments you could imagine? Does sitting in front of the TV, day in and day out, sound like a fulfilling way to live? Malcolm S. Forbes said "Retirement kills more people than hard work ever did". Fortunately we have time to plan our retirement. Think about the question "What are you going to do when?" -- you grow up? -- you graduate? -- you retire?

For the first two stages of life we have very little time to decide. We could spend a lot more time on plans for the third phase. When it comes to retirement, we know that an enjoyable and peaceful retirement comes with good planning long before you actually retire. Retirement planning is about learning how to spend your time and not just how to spend your money. You need to understand the best way to use your time, to keep busy and enjoy everything you desire to do.

Of course having enough money put away is the number one factor as to whether or not you’ll maintain your desired lifestyle once you stop working. Even if you’ve been saving your money since your first nickel, that still may not be enough to have an enjoyable retirement. Money is always an issue. How often do you hear people say that “I'll do that when my ship comes in" or "when I win the lottery"?

Everyone would travel in their retirement if it was free, and fortunately a few travel vacations a year will probably fit into even the most conservative budget. Traveling to exotic places could be a dream come true for you and your partner. Limiting the number of trips to take this exotic vacation may definitely be worthwhile.

Your vacations will not consume all of your free time so you know you’ll need something engaging to do with the rest of that free time and remember you will probably have more free time than you’ve ever had since you became an adult. Having several interesting hobbies is a necessity to get the most out of your retirement. Creative planning can rev up your retirement with hobbies and activities.

If you retire without retirement planning and you think you would be too old to learn something new, think again. There have been many people who took up meaningful retirement hobbies in their advanced age. Some have been able to excel at those hobbies. You've heard the saying, "Can't teach an old dog new tricks" , it doesn't apply to you unless you want it to.

Before you entered the workforce If you wanted to be a lawyer, you had to go to school first. Architects go to college. Hairdressers go to a school or college. When you picked a career or a profession you had to do it long before you started into that profession because you had to learn first. Hobbies are no different. Learning to take a new hobby or activity to the next level is very beneficial to keep the mind active. Keeping the mind active, according to some researchers, has several health benefits, not to mention the pleasure of just learning and perfecting something new.

After a few years into retirement, it may become necessary to rearrange your priorities, activities, relationships and lives. Retirement is usually more challenging than we thought it would be and often health issues force these changes. Fortunately, those who have planned for retirement and have a clear vision for more fulfilling lives for themselves, will stand out for their ability to reinvent themselves. They will find new adventures, hobbies, new friendships and even new careers.

Some retirees will be satisfied with hobbies, especially as we get older. Some will be happy with volunteering their services to give back to the community. Some will look forward to retirement as an extended holiday where they can finally slow down and "smell the roses". Others will have a busier, more active life than when they were working.

Over the next 20 or so years, it's expected that 75+ million baby boomers will retire and there are approximately 46 million workers to replace them. There is a very obvious gap here and the next generation really needs boomers to stay working in some capacity. That's good news for boomers since many aren't likely to retire totally anyhow. Talk about a win-win situation for all generations and for society itself.

There will be a decision for you to make, keep working full or part time or quit the workforce entirely. Deciding to quit the work force entirely calls for a retirement plan for the new retirement lifestyle you are about to embark upon. Should you decide to use hobbies to fill up that free time just remember those who get the most from their hobbies in retirement are those who have started pursuing these earlier in life. That’s not to say you can’t start something new. Maybe you’ve had a passion to try out a new sport, activity or pastime and just haven't had the time to do it while you’ve been working. The one thing that is certainly true is that retirees who have one or more hobbies of some kind are far less likely to suffer from physical health problems or emotional problems such as depression and the more active the hobby, the greater the chance of living a fuller, healthier and longer life.


Source: Bored Baby Boomer

Inquiries for Love Relationships #FamilyLife

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Love, Loving Heartedly, Relationships, Family, Emotions, Feelings, Fx777

Photo Source: "Love Love Love by Gregory Jordan, on Flickr">



Everybody has asked his or her companion or spouse inquiries at one moment or another. All of us clearly would like to understand elements about the ones that we adore. We need to understand their likes, dislikes, and greatest preferences in order to recognize an efficient connect with them. But, what about the deeper, darker things? Have you believed that the answers you receive from precise questions can either be the difference among separation and staying together?

The book titled 1000 Questions For Couples may help you discover aspects about your boyfriend or girlfriend that you may have otherwise never ever found without having read this guide. This powerful tool will let you detect who your spouse genuinely is underneath it all.

Did you already know that most divorces won't happen if those people knew precisely what inquiries to question their spouses? You will find distinct inquiries that you both equally need to understand in case you be expecting to put together an enduring and long-lasting romantic relationship. This e-book covers inquiries that could also assist you decide if the potential mate you're in search of is a appropriate match for yourself.

You wouldn't like to marry an ax murderer would you? How about somebody who accustomed to sell drugs on the roads? Say for instance you're going to be the sort who likes to stay home and tend to the little ones, and your likely mate likes to go out and party together with his buddies all of the time, do you think this union will survive? Likely not!

You will discover certain aspects that we do not consider before we decide to marry our husband or wife. All we bear in mind are the obvious points, like what they do for a life, how much income they make, and their preferred restaurants and community hangouts. What about what their long lasting objectives are? People generally need to know what their mate's life desires are. You can't marry another person who has plans to move to Rome.

There might be no harmonious union if your likely mate is likely to move away to go to school in some other state, either. These are aspects that you'll want to handle. But, you will find literally a great deal of questions to question your mate.

Initially, once we meet another person who strikes our fancy, we are likely to only ask questions which might be of the far more obvious nature. We may well would like to know where they went to school, what city they grew up in, how many siblings they have, exactly where they went to college, what kind of car they drive, and where they work - and that about sums it up.

As human beings, we are composed of a variety of critical details and personality quirks, perfections, and imperfections.

There needs to be questions for couples if we anticipate our relationships to be successful. This book covers every topic that you're going to ever need from family members, to children, to religion and communication - and more. Any potential question that you could think and various more are documented in a a lot much easier and beneficial way within this book.

What is better than a long-lasting enduring romantic relationship? How would you feel if the one thing you wanted in order to restore your ruined marriage was only a few inquiries to inquire your mate in order to assist you arrive to a solution for your trouble? It may possibly very well be that you as well as your mate may perhaps need superior conversation with one another, and that your romantic relationship is not over.


source: Theola Whitted
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