Cure Your Financial Lack: Basic Factors to Consider for Becoming Financially Free

Most people can do better financially. Most of us if not all of us meet opportunities on a daily basis that are intended to change our financial fortunes for the better but are unable to recognize them in their camouflaged state. Opportunities of devious magnitudes happen to all men. We are programmed to see and hear only those things that we want to see and hear. What will happen if we can learn to freeze this approach to life and unfreeze the conscious expectation of everything we need to become what we should be, that is, if we fully comprehend and have visualized what we should be? Nothing happens by chance! You have to want it and want it very bad.There is always a starting point to everything and a first time with which to experience things. If we do not start we’ll never get anywhere and the worst that can happen is retrogression. Our dreams which are linked to our desires differ in magnitude. Some people desire to be wealthy and others desire to be well to do, that is, to have their needs met. Some actions have to be initiated for these things to manifest. It is only when you are consciously conscious of who you want to become and what you want to achieve that you will begin to take appropriate and relevant actions to achieving your goals. We all have something to give to others which we can do in exchange for something. This is how battering came about and was highly effective. It was all about meeting the needs of others. Think about what you can do to meet the needs of others and receive compensation for doing that and you will have found an income generating system.For those who are already earning an income, there are some things you can begin to consider to improve your financial status. Make sure that you cover the basic stuff first before considering moving to the next level of financial freedom. Personal financial management is the first hurdle to cross before attempting total financial freedom. If you acquire basic skills for personal financial literacy and manage your personal finances well, you’ll then find business finance management very interesting. The skills of saving, investing, and making your money grow for your future financial needs and of protecting your income are the basis for proper financial planning. Everyone can cure their financial lack.The quest to be financially healthy requires that we be disciplined, responsible, knowledgeable and understanding. Financial literacy is the most important set of life skills that we all need to survive and be successful in the modern world. This is the set of skills that has been acquired by very few people hence there are only few financially successful people in the world today. The lack of this skill results in many people finding it extremely difficult to manage their financial affairs and to successfully plan their financial future.If we spend all our money today we’ll have no provision for tomorrow and we’ll have to work extra hard just to survive. If we save some of our money today, we’ll have something for tomorrow. This is how serious saving and investing a portion of our monies today is. Put your money to good use and let it generate more money for you. If you spend all your money today, then you are giving away your future financial freedom. We cannot just hide our heads in the sand and hope that the future will take care of itself. We have to force ourselves to make hay while the sun is still shining, when age, time, health and resources still allow us to do so. Choosing not to take heed of the advice of the wise will be downright ignorant and foolish.Personal financial management is the launching pad for personal financial freedom and paves a way to personal wealth. We have to start by acknowledging that we are not going to be young forever, that we are not going to be strong physically and mentally forever. We are not going to be able to work forever even though we may wish so. Working, as a business owner or employee, requires strength and energy and aging might be a limiting factor. You need to prepare for an event or time when you will be unable to work any longer. This calls for you to protect your personal income in case you die, become disabled or retire due to old age. You have to consider life and disability assurance while you are still working either as a business owner or employee to protect yourself and your income. Not considering this advice is purely being irresponsible. Consult your financial adviser and engage him or her on this issue. Do the right thing, plan your personal finances. There should be enough money available to pay off debts and in the case of disability, to make changes that will help you cope with your new situation.You have to understand the negative effects of inflation on your savings so that you can craft strategies to counter it. For example, an inflation rate of say 5% a year will half the buying power or value of your money in 10 to 15 years’ time. In other words, if it costs you US$125 a month now to buy your groceries, you will need US$250 to buy those same groceries in 10 to 15 years’ time. Time is the most important factor when it comes to saving and making money grow. The longer time you save, the more interest you will receive out of your savings.Money grows when it is used to make more money. However, investing money is not a sure bet, it involves huge risks. The objective of investing is to make more money. Your goal should be to maximize the returns on your investments with less risk on your capital. It starts from searching and researching companies, funds and business sectors you wish to invest in. There are many different ways of investing money in the economy and each of these different ways has its own levels of risk and return unless you open an investment account with a financial institution (bank). Work on your action plans for short-term, medium term and long-term investment strategies.While it is extremely important to invest in reputable companies, the reputation and integrity of your financial adviser is extremely important. Do not take your adviser’s advice at face value. Go for a second and even a third opinion and do more research. You cannot afford to believe only what your adviser is telling you. Trust is not enough as it will not guarantee you your returns. Research and scrutinize documents before committing yourself. Never put all your eggs in one basket regardless of how tempting it might be.It is extremely important to have a will. Will allows you to register your wishes in writing so that when you pass on, you may have this document speaking for you. Failure to do this will result in your possessions going to people you never wished to have them or going to the state (intestate). Any person of 16 years or older who is mentally capable of understanding what he or she is doing can make a will. Estate laws differ from country to country. Please check laws relevant to your country. Banks, lawyers and trust companies (most of them are insurance companies) can assist with the drawing up of a customer’s will. Ask your banker or financial adviser about the process of setting up a will.Regardless of how prosperous your business and investments are today, you have to provide in advance for the needs of your growing age and the protection of your loved ones. A budget is a plan that deals with the future allocation and utilization of various resources with regard to different organizational activities over a given period. Budgeting is a disciplined way of spending your hard earned income. It is a tool used to translate future plans into quantitative terms.Remember that the wealth you are trying to create is not only for you, it is for your second, third and fourth generations. Budget your expenses in such a way that you may have money available to pay for your necessities. You must also make provision to pay for your entertainment without spending more than ninety per cent of your earnings. Make provision for giving to deserving charities in the ninety per cent available for you to spend. It is important to get used to giving as it is a spiritual and universal law that binds all of us. Make sure that you invest the ten per cent of your income to give you excellent returns. Guard this ten per cent with all diligence for it is a seed that has to generate wealth for you.

Don’t Let Them Tell You Different: Your Inner Beauty Is Undefinable

Defining beauty isn’t easy. In fact, for every culture, it means something slightly different. A tribe in Africa treats female beauty to mean a curvy, voluptuous woman, while society in America wants their women to be thin as nails. As different as priorities and perspectives of outer beauty in each culture may be, one thing is the same – inner beauty stems from confidence, inner peace and a positive mindset.Inner beauty isn’t about the face you want to have or attaining the body you’ve always dreamed of having; it’s about being happy with what you already have. Don’t you love your petite nose, slanted eyes, or dimples? If not, you should because true outer beauty begins and ends with true inner beauty. Love yourself – and all of your many unique qualities – and as a result look beautiful to the rest of the world, too.Inner Beauty Stems From ConfidenceWhen you feel good inside, you look good on the outside. Has a co-worker on Monday morning every remarked on your “glow” after having a relaxing weekend away from work and your many work-related responsibilities? It wasn’t their imagination. Your “glow” arose from rosy skin, and a relaxed vibe from the stress-free couple of days away from the office. And when that happens, you radiate a new, happier self. Like magic, you’ve gotten more attractive to each and every person you meet, and all thanks to an inner beauty, due to acceptance and confidence that translates to your outer self.Inner Beauty Stems From Inner PeaceDespite what you may think, you’re not your most beautiful when you’ve just had your hair professional done, or when you’ve just treated yourself to buying a designer dress to wear out for the night. You don’t look your best when you spend hours putting on make-up or only after working off that recent weight you gained last month.Instead, you look your best when you’re at peace with who you are, and where you are in life. Western culture has told us many things about beauty, all of which suggests that in order to be our most beautiful self we must weight this amount (no more, no less!), buy this cream, inject this anti-aging laser treatment, or show up wearing these designer brand of shoes. However, we don’t need to fulfill society’s silly standards of beauty. Instead, we can create our own.Inner beauty isn’t so easy to attain, because one of the key aspects of achieving it is first achieving inner peace. Are you feeling at ease about yourself, or uncomfortable in your skin? True inner peace (not some flittering thought, but a constant state of calm and peace about yourself) can come in many forms such as accepting your “flaws” as part of what makes you, you. It can come in the form of liking who you see in the mirror (no matter how much you want to change). It can be knowing yourself inside and out; believing in yourself and your dreams, and never letting anyone else tell you who and what you’re capable of. Are you feeling at peace about who you are, and what you’re here to do? That inner peace will undoubtedly shine through in your skin, your smile, and even the way you walk.In addition, your inner beauty will send a vibe to all those you meet that you’re positive, happy and peaceful about yourself and the world. And who wouldn’t be attracted to that?Inner Beauty is Attainable With the Right MindsetAnything you want in life can be achieved with the right mindset, and when you have the right mindset, you’ll always exude beauty. If you’ve ever felt empowered after writing a short story, gave a speech to others who felt moved by what you had to say, or felt as though you are unstoppable after running a marathon, that’s the power of your mind at work.Inner beauty comes from many sources, but one of the quickest ways to feel good about yourself and everything you stand for is through a positive, clear way of thinking. Love who you are, and your beauty will always follow.

The 10 Best Tips on How to Keep Sabotaging Your Relationships Over and Over Again

This article lists the best 10 tips you will ever receive about how to fail in relationships. Paying great attention to them is a sure way to understand how to keep sabotaging your relationships over and over again. Read and internalize with the fullest attention.1. Never take responsibility for your part in the failure of your relationships. Always blame your partners. Taking responsibility shows that you too might be wrong. This can take away some of the respect and love your partner feels towards you. Being sure you are always right is the best way to prove your integrity and show how strong you are!2. Don’t ever try to get in touch and understand the needs which might drive you to sabotage your relationships. Trying to understand what might drive you to sabotage your relationships means that you don’t know yourself 100%. It means you don’t know “who you truly are.”In today’s world, where “knowledge is power”, not knowing “who you are” is a weakness. You can’t allow yourself to believe and assume you have personal needs you are not aware of which might drive you to harm your relationships.There is no reason for you to even consider the possibility that you have needs which cause you to sabotage your relationships (such as: the need to always be in control which drives your partners away from you; the need to always get attention and love which makes you too dependent on your partners; the need to always be “right” which makes you an unpleasant and stubborn person, and so on).3. Don’t even attempt to realize and understand the fears that control you and drive you to sabotage your relationships. It doesn’t make sense that you have fears you are unaware of which harm your relationships. It is certain that you realize your fears and know how to combat them. If you are unsuccessful in your relationships it is not due to fears. There is no reason to suspect you of having fear of commitment (which might drive you to escape from each and every relationship you begin to develop); fear of being alone (which might drive you to jump into a relationship with whoever blinks at you); fear of losing your independence (which drives you to be controlling with your partners); fear of being hurt (which might drive you to be cautious with your partners causing you to never dare to open up), and so on. No. Don’t let anyone suspect you have fears you are unaware of which cause you to sabotage your relationships!4. Don’t ever check whether your expectations from partners and relationships are unrealistic. It is great to have expectations! It is also natural to expect your partner to be there for you all the time; to love you unconditionally; to always understand you; to always remember your birthday. It is great to expect that you and your partner will always be in a good mood; will always be sexually attracted to one another, and so on.If you find out that your expectations are not fulfilled – that your partner doesn’t fulfill them! – it is not your fault! You have done nothing wrong! There is no reason for you to contemplate whether your expectations are unrealistic and try to modify them. If your relationship fails, there is no reason to suspect your expectations did any damage to it. Just find another partner!5. Believe in your fantasies and make sure they materialize! Fantasies are part of life. They give you something to dream about, something to look forward to. Where will you be without your fantasies? The more fantasies you have about partners and relationships the richer your relationship can be! Together with your partner you can reach the highest sky!Fantasize that your love will be just like in the movies. That your partner will supply all your needs. That the two of you will do everything together and never fight. That you will always agree on everything.Hang on to your fantasies! Let no one tell you they are unrealistic! They are part of “who you are” – of your perception of reality, of the way you approach love and relationships. Don’t ever give them up!6. Remember that you are always right! Whenever conflicts and arguments arise between you and your partner, never think – not even for a minute – that your partner may be right, and never ever compromise! Compromises in life indicate weakness, and once you compromise your partner might use it against you time and again in the future. You need to be assertive, even aggressive, knowing what you want and how to pursue it. Never succumb! If your partner doesn’t like it – it’s your partner’s problem, not yours!OR, by the same token -7. Always be submissive; compromising; giving in; allowing abuse; loving and understanding. Never allow yourself to do and express what you want to see taking place between you and your partner. Never express a different idea to your partner’s. Never refuse to do what your partner wants. The more you are there for your partner without any mutuality, the better it is for the relationship.8. Always react towards your partner and behave the same way you have in past relationships. Prove to yourself that you are consistent. That you don’t change from one relationship to another. There is no reason to choose different reactions and behaviors with different partners. If your past relationships failed it isn’t because something you did or not; it is more likely because something your partner did. Or maybe “the time wasn’t right”; or you were “too busy pursuing your career”, and so on. So there is no reason for you to devote time to thinking what to do differently in a future relationship. 9. Never try to change anything related to “who you are” and the way you behave in a relationship. The process of growing up has taken you years to arrive at where you are. During the years you have unconsciously learned and internalized (from your parents; the society you grew up in; books, movies, fairy-tales and more) a belief-system, a perception of reality; messages about love and relationships.In your adult life you continue to hang on to these. And this is fine. There is no reason for you to give them up. No reason to attempt to change anything you carry on with you for so many years. You are doing just fine. If your relationship fails, that’s too bad, but it isn’t a reason for you to begin doubting yourself or begin to “work” on finding out what has driven you to fail. Things happen, sometimes more than once.10. Resist, fight and reject any advice/suggestion to develop self-awareness.Self-Awareness is something only “losers” develop; only those who “don’t find themselves”; only those who “are not certain about themselves.”If you know who you are; if you appreciate yourself; if you feel you have a fine level of self-esteem – why develop Self-Awareness? It can only make your partner doubt your integrity; your strength; your stability.There is no reason for you to become aware of the ways in which you keep sabotaging your relationships time and again. Avoid any temptation to get to know and understand yourself better. Be and stay “who you are”. After all, consistency in life is a virtue!