One Step Toward Financial Growth.

How to Save: Strategies for Saving Money Each Month
The Traditional Methods

There are many tried and true ways:

  • Every day put all of your loose change into a jar. Every once in a while deposit the money in your savings account. In time the money will grow into a little nest egg.
  • Try to set aside a certain amount of money each month or each paycheque for your savings. People have been doing this for years, but it takes discipline.
A Newer Method:
Pay Yourself First

One of the best saving strategies is to pay yourself first. What this means is that you designate a certain amount of your paycheque as your pay and you pay that money to yourself before you pay your bills or anyone else.

If you pay yourself first, then money will get saved because paying yourself is now your first priority. The nice thing about this method is if your budget is a little tight, it forces you to make adjustments elsewhere and your savings continue to grow.

Paying yourself first also makes sense. Why are you going to work everyday anyway? To earn money for someone else? No way. You go to work to earn money for you and your family. That’s why you should pay yourself first—to make sure that your first priority is taken care of: you. It is not likely that anyone else is going to take care of you because they assume that you are taking care of yourself.

You can put money aside on a regular basis for a down payment for a house, a car, or for your retirement. To get started, all of this money can go into one account, and it can double as your emergency fund as long as you don’t have “emergencies” on a regular basis.

The Smartest Method to Save Money: Have a Spending Plan

The very best method to saving money is to create a Spending Plan or a Budget. With a budget you figure out what your income is and what your expenses are. Once you know these two things, you can look for ways to reduce your expenses or increase your income to allocate an amount of money that you can afford to save. This is how the world’s largest corporations do it and this is how most of the world’s successful business people do it. This method takes a little bit of work at the beginning and a check-up every year or two, but it works.

*Places to Save Your Money – Where You Can Save Your Money.
Under Your Mattress

We hope that you don’t do this. Every thief knows that this is the first place to look.

Use One Savings Account
  1. An emergency savings account
  2. At least one savings account for major purchases
  3. A retirement savings account

If this is too much for you, get started by simply putting your money into one savings account, and then grow your savings from there.

High Interest Savings Accounts

These types of savings accounts are usually more restrictive than regular savings accounts, but they pay a lot more interest. Make sure that your bank or credit union is paying you a competitive rate and then save away. These types of accounts are usually safe, convenient and their interest rates usually move up as bank interest rates move up.

Term Deposits

If you know that you are not going to need your savings for a year or more, consider putting your savings into a Term Deposits. These are a great way to try to get more interest on your money than a High Interest Savings Account can offer.


Remember who is there for you and who is just there to ONLY tell you that everything is going to be okay.

Life’s pretty simple when we’re young. We know what we’re going to be doing for the year; go to school and attempt our hardest to get good grades. Yes, we’ll get a few curveballs thrown at us: heart-breaking crushes, mean teachers, tough lessons. Generally though, we’re surprisingly adept at hitting these curveballs. We get down, pick ourselves up and move on, knowing that next year will be a different year. Some revel in the newness of each year, some are of the nostalgic kind, but when we’re young we have this pretty awesome ability to see things as temporary.

Unfortunately, the ability to see things as temporary is in itself. Once adulthood strikes and responsibilities come our way, we become overwhelmed by the situations that life brings us. We’re unable to see that life is but a series of phases. Our wonderful, happy moments are supposed to last forever, and our not-so-awesome moments seem never-ending. This sort of thinking makes us feel like failures when things don’t go our way. Our troubles seem bigger than they are, and our lives feel like a spiral into a deep, dark hole of negativity.

The key to leading a simple and happy life is to understand that everything is temporary, much as we did when we were bubble-blowing, tantrum-throwing children. Eventually, everything comes to an end; the good times and the bad times.

If life is going wonderfully, be thankful for it and realize that this moment won’t last. Enjoy the joy of a life working perfectly, breathe it in, and know that even this phase will end. Understanding that your good times are temporary will make you appreciate them even more. You’ll regain that childlike wonder for life. Everything will become new to you if you accept that it’s all fleeting. When the world comes together to make everything work for you, it’s a beautiful thing. Don’t take it for granted, for soon enough, it will all be gone. You’re meant to enjoy the beauty so you can gather the fuel you need for the rough times ahead.

Sometimes, while in the midst of a trying time, it’s difficult to see the end and to realize that things are temporary. It helps during that time to look back to your past and see how far you’ve come along. You’ve managed to overcome numerous challenges before, all of which have given you the skills and strength that you need to move through your current difficulty. The smallest of tribulations can be inspiration for you as you move through your current phase of life.

Life is full of different phases. Some are good, some not so good. Some phases seem never-ending and some are over quickly. If we understand that everything in life is temporary and will eventually end, we’ll appreciate all our moments a little bit more. We’ll look back fondly on the good memories and have pride in how we survived the difficult times. So make the most of every day and every experience life offers, for it will not come back again.

The Art Of Saying No

Saying no makes us uncomfortable. But if we learn how to say no, we can reclaim control over our lives. life. Too often we say yes to things we do not want.

We believe that we always have to say yes to opportunities. We fear that saying no leads us to miss out on money, fun, and other experiences. However, by always saying yes, we do not value our time. Blindly, we say yes to everything that comes our way. We often do not look at saying “no” as a skill or something that is essential to success and happiness.

If we are at work and our manager asks us to hand in a report before the end of the day, we say, “sure thing.” It interrupts our work and often forces us to push other things aside.

We say yes in our personal lives all the time. When friends ask us to go out while we have other things to do, we say yes. We do friends or acquaintances a favor, without thinking about it. We even say yes to bigger things that we do not want. For instance, we take jobs we do not like or start relationships with people we do not love.

One of the reasons we find it difficult to say no is because we want to conform to other people’s expectations. Sometimes we have to make decisions that will influence our life’s outcome. In those cases, you cannot be afraid to say no. When parents expect their children to go to university, the children often give in to the pressure. We are all unique and have things we want from life, so asking people to do something they do not like is not fair (no matter how badly you want it). If you do not wish to go to university because of a good reason, then do not enroll. We have to follow our passion and make our path.

Ways To Say No

It is not a crime to say no. Your friends and family will understand, they will still care about you, even when you cannot make certain social engagements. And if your friends do not get it, it is probably time to find new friends. When we truly care about someone we will still care about them if they miss an activity. Besides, when it comes to a job, say no to everything that is not essential to your work. People will respect you for doing your job and not wasting time on meetings and coffee breaks. Here are 4 ways to say no:

1. The indirect “No.”

Starting to say no can be awkward. Most people prefer to start with an indirect approach. In your personal life, you can say, “look, I want to join you for drinks, but I have to work on this project because it is important to me.” When you start saying no more often, it is fine to make excuses so that you avoid saying yes. That is the primary goal when you start saying no. You do not want to do something, so find a way to say no without feeling uncomfortable.

2. The “Let me get back to you.”

We are often caught off guard with invitations or requests from people. We feel the pressure to answer those requests immediately. Next time when you are caught off guard, often by phone or in person, tell them, “I just have to look at my calendar, let me get back to you about that.” Alternatively, we can say that we have to discuss it with our spouse or family first before we can answer.

3. The conditional “Yes.”

You do not always have to say no. When your boss asks you to collect information before the end of the day, you cannot say no to that. What we can do is to force our boss to prioritize. If you work in sales, for example, you can say, “I can give you the information, but that means that I cannot make the ten calls we agreed on today. Is that all right?” With this conditional yes, we force people to prioritize. It shows that you have other things on your plate.

4. The direct “No.”

Once you are comfortable with saying no more often, you can take the ultimate step in mastering saying no. We give people excuses for why we cannot do something. We say that we cannot have lunch because of a “doctor’s appointment”. We feel socially awkward just to say, “I cannot make lunch this week.” When you have mastered saying no, you stop giving excuses and start to say no firmly. Practice makes perfect.

‘Loneliness epidemic’

The media seems to have agreed that rich countries are experiencing a ‘loneliness epidemic’. There are literally thousands of newspaper articles that use this exact expression.

What is the evidence for this? The word ‘epidemic’ suggests that things are getting much worse and loneliness is increasing rapidly. But does the data, in fact, show that societies are becoming lonelier?

Despite the popularity of the claim, there is surprisingly no practical support for the fact that loneliness is increasing, let alone spreading at epidemic rates.

It is true that more people are living alone around the world. But loneliness and aloneness are not the same. Social connections – including contact with friends and family – are important for our health and emotional welfare, as well as for our material well-being. Loneliness is indeed an important problem, but it’s crucial to have a nuanced conversation based on facts. The headlines that claim we are witnessing a ‘loneliness epidemic’ are wrong and unhelpful.

How Loneliness Can Cause Health Problems?

Humans are social creatures. The need to interact with others is so inherently necessary that the absence of social connection puts your brain into self-preservation mode, much like hunger or physical pain.

Social media and online dating websites have widened opportunities for creating relationships, and soothing loneliness, but only if you use them as a jumping-off point for real-life interaction.

For people that use it as a replacement for that crucial face-to-face interaction, it can increase loneliness.

Loneliness is bad for your mental and physical health. Chronic loneliness can contribute to depression, and a meta-analysis of 3 million people revealed that loneliness upped the odds of dying early by 26% through several related mechanisms such as:

*Higher blood pressure
*Higher levels of cortisol
*Less sleep
*Altered gene-expression

“People aren’t dying of loneliness,” “but they are dying of cardiovascular diseases, cancer, accidents, suicide and diabetes. Based on your genetics and your environmental history, loneliness can make these conditions strike earlier than they otherwise would have.”Brigham Young University, shows that being connected with others can reduce the risk of early death by 50%.

How to combat loneliness?

Write it down

Ask yourself what you’re missing, what you need and what you want, and put those feelings down on paper, “This will help you determine the source of your loneliness.”

Do a project

Find something creative and productive to do to occupy your time. But this is not about being mindlessly busy. Rather, it’s an opportunity for you to nourish yourself with something that makes you feel better. Maybe cleaning out your closet will help you feel more in control, or rearranging your furniture will help you flex your creative muscles.

Disengage from social media

Humans are social creatures, and therefore require contact with other humans. Staring at a screen and flipping through photographs of other people engaging in what seem to be happy activities will only make you feel sad and unworthy. You’d never know the people who suffer from depression and suicidal thoughts by looking at their Facebook page because they’re the happiest looking ones

Reconnect with nature

It seems simplistic, but a walk or bike ride in the park can do wonders for your state of being. It’s the ideal time to look around and truly appreciate the nature around you, and it increases your chances for human contact.

Get comfortable with the silence

Mindfulness and meditation are words that have been bandied about with increased frequency lately, and for good reason: it’s the best way to calm your mind.

Practice gratitude

The obvious benefit of gratitude is that it helps put your life in perspective and gives you the chance to appreciate all the things you have, which you likely don’t consider on a daily basis. But it isn’t just about what the world has given you, it also opens the way for you to make changes.

What are the signs that you are wasting your life?

*Chasing the opposite sex like a dog on steroid.

*Avoiding taking risks because of fear.

*Running on the same old software installed in your mind since when you were a kid.

*Running your mouth aimlessly like there is no tomorrow.

*Hating on best players as if hate will bring you to their level.

*If you are using Social Medias for excessive time. Believe me, it’s not useful at all. Stalking people profile(especially of your crush) messaging someone who is least bothered about you.

*Believing that Fairy Tales exists! No, my dear beautiful faces matter. Everyone is attracted to a beautiful girl or a handsome guy. I guess loving someone ugly exists only 0.99% in this only world. Now, I am sure you all guys are gonna debate with me. But it’s the sad reality of life. So grow up and focus on yourself instead of waiting for a Fairy Tale to take place in your life. It only exists in movies and stories.

*To wake up early in the morning and instead of checking out any other things. Before brushing your teeth and even washing your face. Engaging in your Phone.

*Waiting for someone to message you. Waiting for someone to care about you. Ask whether you’re fine or not. Believe me, only your family and yourself will really care about you.

*If you’re seeking the attention of some random guys or girls. Please don’t do that. It will take you nowhere. It’s such a wastage of time.

*If you are following the crowd. You are mistaken, don’t ever do that. What if you fall? Get up again. Do something different. If things don’t work out and life gets tougher. Be more habitual to get more tuff. But Don’t give up! Nah! It shouldn’t be even one of your option.

*Don’t Hate or have time for Revenge. After all, everyone has to face their own Karma. Time is really precious, don’t kill it in stupid things.


What are some of the most awesome psychological facts?

The most awesome psychological facts:

*According to a study, people see you as 20% more attractive, than you think you are.

*When you talk to someone, use their name in conversation, this will feel them that you like to talk to them and you feel comfortable while talking with them.

*Severe depression can cause the ageing process faster, as the cellular ageing process is accelerated by depression.

*The way you dress is related to your mood, dressing well will make you less likely to suffer from depression.

*If a person speaks little, and when he speaks, he does so quickly and straight to the point, he is likely to keep secrets.

*If you always care about what other people will think of you, you will never be happy.

*When you try to convince someone of something, make sure they are sitting or standing, this will help you convince them faster.

*Bananas contain a chemical that naturally helps you to be happy, it is the same chemical found in Prozac.

*The people who give the best advice are usually those people, who have been passed a lot of difficult times in his life.

*When offered to write with a new pen, 97% of people write their own name.

*If a person laughs at jokes that are not funny, it is because deep down they are alone

*Hiding the thumb behind all the fingers is a sign of nervousness, it indicates that the person wants to go.

*Psychology says that the first impression is always made in the first 7 seconds.

*Our reaction to a situation has been shown to literally have the power to change the situation itself.

*Pretending not to worry is the habit of someone who cares more.

*Writing negative thoughts and throwing them away improves your mood.

*90% of the time people with messy handwriting are more creative than average.

*Eating an orange has been shown to reduce stress. That is why doctors recommend having an orange before going to work.

*Never tell your goals to anyone. Because it chemically satisfies the brain and that’s similar to completing it.

*7 positive comments neutralize the effect of 1 negative comment.

I hope this will help you….

What Success Means to Me

It’s about mental health and lifestyle. It’s about clearing out whatever isn’t serving you in your life, be it emotional, physical, mental or spiritual. It’s about getting honest with yourself about where you are holding onto things that are holding you back.

‘Success’ is a loaded word these days. It can mean anything—fame, fortune, connections, owning a huge house, or a second car, or a walk-in wardrobe.

In other words, success nowadays is about what you own. To many people, if you have most, or all, of the above, you’re considered successful. If not, you’re probably a failure.

People spend their whole lives trying to live up to these expectations. Every day, they work hard at their jobs to earn money to add to their pile of stuff. They get into debt or never pay off the debt they already have, and with every promotion, they upgrade to more expensive things (a bigger house, or the latest gadget). And so the cycle continues of money in/money out every month, without stopping to think, ‘Why am I doing this? Does this make me successful? Does this make me happy?‘

The answer: No. You cannot be happily trapped in a “rat race”. Spending the best years of your life collecting more and more expensive things isn’t going to make you feel fulfilled, especially if you hate your job. For me, Buying stuff for myself won’t make my life matter—doing something amazing will. Being true with myself will. When I don’t care about what other people think, I stop wasting my money, time, and effort on meaningless things. I stop blaming other people and start looking at myself. I wake up to what’s really important. With that, success means something completely different to me.

*For me, success is a simple equation:

Happiness + Constant Improvement + Contribution = Success

That’s the only kind of success I know. If we’re not happy, we’re not successful. If we’re not growing, we’re not successful. If we’re not contributing beyond ourselves, we’re not successful.

The only people who are successful without happiness, growth, or contribution are the “successfools.”

The reality of simplicity.

In thinking about and dissecting simplicity, I’ve come up with a few things that I know to be true. Simplicity has become a force in my life with benefits and habit changes that I couldn’t have imagined from the start.

                 >> Some truth<<

*Simplicity is not a sacrifice.
Living with less is not a project in suffering, but instead, a way to discover what is most important. Sometimes, the only way to figure out what is really important in your life is to get rid of everything that isn’t.

*Simplicity doesn’t look the same for everyone.
Simplicity might mean growing your own food and living off the land, or downsizing and renting a small apartment in the city close to public transportation and a grocery store. There are lots of versions in between too and the best version is the one that makes your life better.

*Simplicity will change you.
While many changes work from the inside out, simplicity has a powerful way of working from the outside in. It provides the opportunity to remove the layers and connect with what is most important.

*Simplicity will make you more open-minded.
Once you see how easy it is, and how much happier you are living an unconventional lifestyle, you will become more open to change, uncertainty, and new ways of improving your life and the lives around you.

*Simplicity is not a competition.
Being more or less simple than anyone else doesn’t matter. They can be fun challenges, but the numbers don’t really matter. This is your life.

*Simplicity demonstrates happiness with less.
I’ve learned that more attracts more and less attracts less when it comes to stuff and clutter and things you think you must have. If you ask most people what they really want from life and work their first answer is not more money, a bigger house, or a new car. Instead, they want health, happiness, time, security, love, respect, satisfaction, inspiration, and less stress. None of those things is available at the mall or through any material purchase.

Ironically, there are many more simple truths about living with less. Your journey can be inspired by other people sharing stories of simplicity, but ultimately you will find a version of simplicity that best fits your life…

6 powerful habits

There’s a saying which goes something like: “Watch your thoughts, they become words; watch your words, they become actions; watch your actions, they become habits; watch your habits, they become character;  watch your character, for it becomes your destiny.”

It’s true. Your thoughts, words, actions and habits do affect the quality of your life. Practice the right things over and over again, and you’ll reap the rewards and benefits. Continually engage in behaviours which are harmful and you’ll undoubtedly suffer in one way or another.

*6 simple and effective habits that helped me to get ahead in life and it will help you too:

1) Waking up early has been giving me the most significant results since I decided to make a shift from a night owl into an early bird. I realized that getting enough sleep on a regular basis is key to ultimate performance. and productivity, not to mention the increased quality of life.

2) Making lists. don’t have time for it. One of the most common excuses I hear people say to me when I ask so why you don’t exercise, why you don’t write, why you don’t build a business? You have time, I have time, Barack Obama has time. We all have time, and just to remind you, we all have 24 hours a day, no matter where you live, how much money you make or how successful you are, you have the same amount of time as everyone else. So how some people excel and some don’t? They prioritize. You must come to peace with a fact that you can’t have it all. You either master one thing or you become mediocre at many things, but you can’t have both.

3) Habit stacking
The concept of habit stacking is a set of habits, a script of your morning routine to make sure you get the most of your morning and prepare yourself for running the day like a boss.

4) Reading.
How do you read more books? I was obsessed with that question and tried to find all the hacks possible, speed reading, reading excerpts, summaries, trying audiobooks, watching videos that explain the most of the book concepts and so on.I’ve discovered a mind-blowing hack that was there all the time. If you want to read more books, simply spend more time reading. If you don’t have time to read, make more time. Have a book always with you, read after you wake up, read when you commute to work, read while you wait for your morning coffee at the cafe. I regret that I had wasted most of my early years without reading…as I started to read books I felt amazing and it helps us to explore my world.

5) Writing.
Writing is definitely one of the major skills that have influenced my lifestyle in a positive way. It’s not only very meditative activity as it helps me think deeper but it also allows me to create stories, makes me a better communicator and increases my creativity. When I get into the zone words are just flowing.
If you are interested to know why I started writing, then check out my previous blogs…

6) Visualization.
Imagine it with all the details, how does it look, smell, sound, feel? What emotions you’d have, how would you look, what would you do? Make it as realistic as possible and truly believe in it. Practising visualization daily helps me stay on the track and know that it is inevitable, I’ve already been there and done that, now just need my body to get where my mind already is the victory.

“The mind is everything. What you think you become.”

My point is, you will certainly fail with your new lifestyle managing your new habits. Your old habits will creep in and try to get you back to your comfort zone, don’t give up. Start over and over again until you realize you are the person you always wished to become.

How E-Commerce will look, if there is no internet.

Like everything needs a medium e.g, Sound needs Air medium to travel, if there is no air you will hear nothing, a similar situation is with digital commerce without internet or web, you will hear nothing. so, this medium which I would call it – “Connectivity medium” is a must.
There is no digital commerce without internet. You need a website to start with an E-commerce shop.

If you’re a beginner and want simple solutions for your e-commerce site, then there are many very best option available to choose from.

Basically in regards to such a site, striking the proper balance between content and commerce is needed. So you receive a well designed and well-coded website as the last item.

Now, creating a very prosperous E-commerce website is the starting point of digital commerce. The Internet plays a very prominent and important role because it acts as guidance for different strategies involved in money marketing. In fact, behind the growth of the internet business, the success of these businesses is also largely dependent on the internet to a large extent. Unsurprisingly, the Internet is crucial to the smooth operation of E-Commerce. Businesses using E-Commerce alone need a fast, reliable service. Without an Internet connection and the huge developments in multimedia, there would be no opportunities.

Digital commerce without internet is much like opening a ‘brick and mortar’ store and keeping the doors locked all of the time. You may be selling, but if buyers can’t reach you – it won’t do either of you any good.

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