Friday, January 25, 2013
I absolutely enjoy giving things away to my supporters and customers. I am pleased to give away (1) $1000 Loren sunglasses and (1) $1000 R.E.B.B.L.S Sunglasses. I have given you all ample chances to win!
Tuesday, January 15, 2013
YOU ARE ALLOWED TO SAY NO... but you may need some help getting started if this is difficult for you. It all boils down to the concept of self-worth and believing that your time is of value to YOU. When you are constantly saying yes to everyone else and putting yourself at the bottom of your own priority list, you will be the loser in your own life.
Here are some tips to get started.
Rather than thinking about saying NO to others... re-frame it to think about saying YES to yourself. This simple switch will reduce the guilt trip. The moment you take yourself more seriously and value your own priorities and goals to achieve each day, others will start taking you more seriously as well. You teach others how to treat you, so if you want a different result to always feeling like the doormat-take different action
SIMPLY - get over yourself! Harsh but true. Stop thinking that you need to be all things to all people. Whilst this seems wonderfully generous, you will come off second best and land up having nothing to offer. This will lead directly to the idea that you do not value yourself in the equation, and every time you say yes to others when you really ought to be saying no, you will land up feeling resentful, angry, used and taken advantage of. So give up this need to feel bad about yourself and to make you feel needed and important through being everything to everyone and nothing to yourself.
Use a buffer line as a standard response from now on when still learning the art of saying no. Try this out for practice... when someone asks you to do something, you can say; "I would love to help you out but I need to check my diary and I will get back to you tomorrow". That way you do not say YES as your standard answer, and create a pause for you to assess if you want to do it or not. Be aware you normally say YES out of habit.
Never say an outright NO as this can feel horribly foreign to you and rude to the other person. So always start your answer with "I would love to but am unable to right now". And remember that you do not ever need to give reasons or excuses as to why you cannot do something for someone else... give up the need to justify your life.
Have patience with yourself. Just because you want to say no doesn't make it easy!. Remember you are learning a new skill that's foreign to you. It can help to acknowledge the following - "even though it is really difficult for me to say no without feeling guilty, I am going to value myself enough to say no anyway" This can help you remember you are chartering new territory and the moment you do NOT expect it to be easy every time, it will help you keep moving forward. In no time at all it will become second nature for you to discern when to say yes and when to say no from your inner guidance as opposed to guilt and habit.
So go out and practice, practice, practice, and let me know how you do with this new skill!!
Tuesday, January 8, 2013
So much has been written about budgeting. Too much advice and tips have come to our attention. But the thing is, are you really following it? Have you put your heart and soul in your budget plans? Here are some helpful tips to make your relationship with money easy.
Know the exact amount of your earnings. If you know exactly how much you are earning, you will have an idea on how much money you just have to spend. Find out how much you need for your day to day expenses including loan payments
Write everything.. Food, rent/mortgage, car repair, loan payments, gas allowance, electric and water bills, etc. This way you will find out which is higher in value. Live the belief that there will always be enough of everything. Subconscious makes big decisions. You want to start training your mind.
Create a budget. Is your income enough to cover all your expenses? If not, cut out on expenses that you can. Living within your means is the key to financial success. Create a budget that will suit your income. Don't forget to include savings in your budget. It could be as little as $20 every payday. Don't make the usual mistake of other people in budgeting; what others do is like this:
Income - expenses = savings
Don't you think it would be better if you do it this way?
Income - savings = expenses
Include yourself in your budget. Once in a while you will need to relax and have some fun. Bring the whole family to a vacation or treat yourself to a home service SPA. There is nothing wrong with this as long as you stay within your budget.
Work the budget and be aware where your money goes. When people think of budget, what they see are pain and restrictions. Just like a diet. Do you realize what happens with most diet plans? They don't seem to work for a long period of time! If you implement a budget that is too restrictive on your spending, I am almost 90% certain that it will not work. However, if you need to put a restriction in some areas, it will take some time of adjustment to this.
Remember your goals so you will have the courage to stick to your budget. Think instead of the satisfaction you get when you reach those objectives. When a spur of the moment purchase attacks, get more pleasure in knowing that you are reaching your budget goals.
Money Circulates Freely. Believe that money is circulating freely in our lives if only we know how to manage it properly. What I am trying to point out here is that, do you really know what you want in your life? Are you willing to create that kind of life for you?
Gone are the days of believing that only the rich have special powers. What we must learn is what drives the rich to success. I believe that to be successful, someone has to be energetic, willing and focused. It is not about the right timing, right place, or mere plain luck. It's all about attitude and mindset that we have concerning our financial lives.
Believe that you can be financially successful. This is the most important thing. Set aside the myths and wrong beliefs that money is just made for other people to enjoy. Forget about the breakdowns of yesterday, start living TODAY. Move forward one step at a time and financial success will be yours.
The truth is; all of us possess what it takes to be financially successful. Oprah and Bill Gates are already there and yet they still don't have all the money. Both of them are very successful at being themselves. Therefore, if we are all good at being ourselves, we also have the potential to be financially stable.
Remember, you have what it takes to make things happen. Develop that relationship with money. You are the one with wisdom so it's you who will control money, never let money control you.
Go forth and be abundant!
What you can do to make and keep wealth is dependent upon your connection with money. Similar to anything else, money is a kind of energy which can be drawn to the power that's like on its own. Your relationship along with anything establishes the amount of that thing you might be bringing in or rejecting.
Monday, January 7, 2013
Do you know that what each of us desires and needs is to be acknowledged, accepted, and validated for exactly who, what, and where we are in our lives at any given moment?
To emphasize this, try reading this out loud:
"I am amazing, beautiful, and wholly perfect exactly the way I am and exactly where I am right now. Everything in my life is happening for a reason and is working out perfectly. I am on my own perfect, unique path of evolution and experience. All the good and all the bad, all the wins and all the losses, all the ups and all the downs. It's all part of me and my perfect life - EXACTLY the way I am and it is."
Doesn't that feel good? Now, imagine saying this to someone else. People are starving for acknowledgement and acceptance, including ourselves. I accept and fully acknowledge you for being your amazing, beautiful self, EXACTLY as you are, and I encourage you to do the same, for yourself AND others.
In this article, we explore how it's true that our lives are perfectly unfolding, and how embracing this fact is one of the most powerful things we can do for experiencing our mojo. We will also look at one of the most common beliefs that keeps us from doing this.
Here's a great place to start: embrace exactly where you are as perfect for you at this moment of your life. You can enact a feeling of appreciation, gratitude, and even love, for who, what, and where you are in life. You do this because it is the most powerful way to relate to any moment you experience. Why is this? Because doing anything else is resisting the moment. By definition if you are not embracing or allowing, you are resisting, and this removes you from the present moment. It keeps you in a nonexistent fantasy world where the "problem" doesn't exist and therefore this perpetuates whatever it is you are resisting.
Think of the game we call "Tug-Of-War." For that game to work it requires both sides resisting the energy of the other. As soon as one side stops resisting - boom! - game over - there is no game. This is exactly what happens in your life. You stop playing the game (resisting) and the game is over. While resisting you have no choice, you have to exert a large amount of effort to try to overcome your opponent. When you stop resisting you create options. In the game of tug-of-war if you let go, your opponent will fall on their bum, and at that moment you could walk away, you could walk over and offer a helping hand up, or any number of actions. You are free from the struggle, effort-full, and time-wasting game of resistance.
There is another powerful reason to begin embracing exactly where you are as perfect for you in your life at this time: it is a very high realization, and affirmation, of the divine perfection of the Universe. When you resist where you are in your life, you are basically saying "there is something wrong with reality, it should be different than it is. I know how it should be and this is not it." Talk about passing negative judgment on reality! Again, this is resistance to reality and will only cause struggle.
Very often people believe embracing the moment, their experience, or their life exactly as it IS, means they must capitulate, give up, and not care anymore. This would then mean the likely perpetuation of the undesirable situation or experience. If this is true for you, notice you believe that resistance and negative judgment of something is necessary before you can change it. Consider it a new way: change can happen from acceptance and non-resistance. Just because you accept and embrace something, does not mean you want it and have to perpetuate it. These are two totally different things. Come to realize that you can totally accept and embrace something, AND work to change it. Come to realize the most powerful change is sourced from acceptance, not resistance.
There is never anything wrong, no matter how it may look, there is always opportunity in every challenge, and in hindsight, everything is always working out.
Hasn't everything happened in your life for a reason? Hasn't it all turned out and made you who you are at this point in time? And if it looks like it hasn't "all turned out" I can practically guarantee it will over time. So if it's true that everything is always turning out - no matter how it may look - then it's fair to say that your life is turning out right now, and is in each and every moment. In fact, it never is not turning out. So relax, trust this fact, and allow your life to just turn out!
"the supreme law of our divine nature determines perfectly our relations with each being and with the totality of the universe, it also reveals the exact rhythm of the direct expression of the Divine in us."
~ Sri Aurobindo
Get out a blank sheet of paper and write down everything you are grateful for in your life. Do this until you can't think of anything else. I bet you'll be surprised at just how much great stuff there is in your life and just how much you take that for granted every day. Notice how you feel after doing this exercise.
This is a new year and I am so pleased to kick it off with my new company YERISE by Yeroc & Co. I can't wait to unveil this massive project that I have been secretly working on for over a year. Your mind and eyes are going to be blown when you SEE precisely what I have in store. This is one of the largest things I have ever done. Comment below with your e-mail address to be the FIRST to hear about the launch.
Love you all,
Friday, January 4, 2013
Effective planning and controlled spending enables you to manage your money easily. The most common barrier to proper money management is overspending or buying what you can't afford. Good money management tips will help you save because you will only buy what you actually need. Below are simple money management tips that will help you to manage your money wisely.
Record All Your Expenses
Keep track of everything you have bought and bills you have paid. Categorize the different items you have bought so that you will have a clear picture of how much you have paid for everything you bought. This will allow you to know how much you are spending on each category and where you can cut back.
Keep Track of Your Net-worth
Your net worth is everything you own after you have subtracted all your debts. Unknown to most people, your net worth is closely determined by your expenses. If your net worth decreases, you should watch how you spend your money. If you cut your expenses, your net worth will increase; you therefore get motivated to spend more wisely.
Start Investing Today
If you have extra cash, invest it and watch as your investments grow. In addition to that, your investments will earn interest and you will get to reap the benefits in time. The main advantage of investing is that you will have peace of mind because you know that you have invested in your future.
Save Your Money
Financial experts advise people to save at least 10 percent of their net monthly income. Saving helps you to spend your money wisely as you get to spend only what you have.
Purchase What You Need
You should adopt the habit of buying only what you need and not what you want. This will prevent you from buying what you do not require.
Avoid Using Credit Cards
Credit cards will make you spend more so you should use it when you really need to. Use a credit card that has low interest rate just in case you are unable to settle your monthly debt on time.
Check Your Bank and Credit Statements
Credit card companies and banks may make mistakes which could cost you a lot of money. If you doubt the figures in your statement, contact your bank and your credit card company and clear any doubts you might have regarding what you owe.
Diversify Your Income
Look for alternative methods of increasing your income as this will ensure that you are financially stable. Blogging is one of the easiest ways to make extra cash, furthermore, you will be blogging about what you like doing.
Buy Your Home as Opposed To Renting
Buying your own home is an investment which you will get to enjoy for years to come. Renting is more expensive in the long run and the worst part is that you will be contributing to someone else's investment.
Tuesday, January 1, 2013
With the price of petrol continuing to rise faster than inflation rates and the world's economy still teetering on the brink of financial ruin, many people are prioritizing food and shelter over filling their car up with gas. However, following a simple set of rules can help make your car more efficient and ultimately, save you money. This article looks at six simple tips that you can follow for becoming a more economical driver.
1. Don't Feel the Need to Speed
It may sound obvious to some, but it takes more energy to start and get a car up and running, than it does to keep it cruising at a constant speed. Your car will therefore always be at its most economical when you're not slamming on the brakes or putting your foot down on the accelerator pedal.
Driving faster uses more petrol. Speeding the car up requires more juice for the engine, which means more is burnt up. Keeping your car at a constant 30 miles per hour on city roads and at 70 on motorways and highways will result in a better fuel consumption. This can easily be achieved by leaving your car in the highest gear and cruising, rather than constantly changing up and down gears.
Another way to save fuel, is when driving up to traffic lights on red, slow down and cruise towards them in the hope that they'll turn green by the time you get there. This will negate the need to stop and start your car up again, enabling you to save energy and petrol.
2. Lighten the Load
A heavier car will consume more fuel, as the engine requires more power and energy to get up to speed. Therefore, remove unwanted baggage and cargo from your boot and passenger seats and drive with as little on board as possible. The lighter the load, the more economical the drive.
3. Improve your Aerodynamics
There are a number of small tips and tricks you can follow in order to make your ride more efficient, saving you those all important liters of petrol.
One of the easiest is to make your car more aerodynamic. This can be achieved by losing the roof rack or your bicycle rack from the car and keeping your windows closed while you drive. An open window makes your car less aerodynamic and increases its drag. As you drive, air gets pushed in through the open windows and pushes against the car, causing resistance drag. Therefore your engine has to work harder to increase the car's speed.
Unfortunately, if it's a hot summer's day, switching on your car's air conditioning (AC) system won't improve your fuel efficiency either. This is because a car's AC is powered by its engine, which will subsequently need to work a little harder to keep it going at the same speed.
4. Be Kind to your Engine
Your car's engine needs looking after just like your teeth or your family pet, so taking it in for regular servicing will improve its efficiency. Having the oil changed as well as getting new filters will improve the engine's performance, thus making each liter of petrol work that little bit more efficiently.
5. Keep your tires inflated
Making sure your tires are pumped to their regulation pressure is a simple and cost-effective way to save fuel. A fully inflated tire will reduce its contact area on the road and therefore decrease friction.
It's perhaps the most obvious tip here, but sharing a ride to work or to the shops is the best way of cutting your fuel budget. A number of carpooling websites have opened to make the process of sharing lifts and the cost of motoring that little bit easier.