Many men and women still find it impossible to replenish their savings. Nevertheless, everyone has the potential in doing so, all you will need is a little dedication and know-how. After you sit down and determine a budget for this very important task, it becomes a whole lot of easier to actually accomplish this goal. So just do it– take advantage of this article and all of the knowledge included for getting yourself inside the right frame of mind to improve your position.
A good method to lower your temptations of spending the extra money you will save is to open a new savings account at a bank that you do not commonly use. After you open a new savings account at a different bank than the your main bank , you actually psychologically create a barrier for yourself as if the money is not there. Make sure you fund the new account monthly and if you can weekly would be ideal. So now that you’ve done something as simple as setting up a new account, you show be a step closer to financial independence.
Next, rather then buying meal every day while at work, prepare in advance a menu of your meals for the week. Packing yourself a meal at least 3 times a week would cut your expenses for about $30 for the week and perhaps a months worth would be $120. You may as well employ this to dinner meals likewise. This an easy cost savings measure that does not have be extreme nor difficult.
The easiest way to realize how your financial household works is to make note of the amount of money you spend in a four week period (a free online tool MINT and for business owners QUICKEN ) . After you’ve kept notes on the considerable amounts of money you are shelling out, then you definitely need to determine what habits are needed to be curbed or eliminated. You will like this simple strategy since they should be small adjustments. However, this will vary on case by case since every has different spending habits. So remember always keep a journal to assist you in visualizing what comes in and what goes out, simple budgeting for everyday spending. Moreover, it is much easier to save when you know what you are spending your money on.
Before you buy whatever you want, look at if or not this item can be cheaper at some other store or whenever you can come across coupons to cut back the price (Many Apps can be download to help you price shop) . Savings $5 here and $5 there are an will add up after a while. If you save yourself $25 dollars a week on buying items either on sale or at a cheaper price through coupons, then you could save yourself $100 a month. That money can be used very wisely elsewhere, so think again before you finalize a purchase.
In case you have cash you intend to burn. Be sure that you will not carry too much cash with you at all time. Carry around a reasonable amount to use in case of emergencies but nothing more than can hurt your budgeting efforts for a week. You probably want to carry around 20-40 dollars with you and only use it when you absolutely have to.
Although the ideas here can seem small or a little tedious, they are really effective methods for budgeting your hard earned dollars correctly. Just go ahead and check several of the approaches you learned and see if you notice difference with your particular financial situation over the span of a few months.
Get in Shape by Running
Running is a great way to get in shape. It can burn quite a bit of calories and help you build and tone muscle easily. Not only that, but you don’t need an expensive gym membership to do it. On the contrary! You actually need to spend very little money to get good exercise while running. If you’re planning on taking up running to get in shape, read below for some great advice!
Look at investing in a good pair of running shoes. Any pair of sneakers will do, but if you buy a good pair that are designed for running, you’ll be able to get the most out of your workouts. Running shoes are designed to minimize the stress on your feet, ankles, and legs as well as effectively tone your leg muscles. A good pair of shoes will also help keep you from getting blisters during your runs.
Make sure you wear clothing that won’t chafe. You want something that’s comfortable and won’t restrict your movement. It’s also recommended that your clothing be somewhat reflective. This will help you be seen by any cars, especially if you’re running early in the morning, at night, or any other time when visibility may be limited.
Make sure you’re running in a safe area. You want to run somewhere where you won’t have to worry about getting run over by a car. Running around your neighborhood or a park can be great; running on the side of a highway not so much. You should also avoid any areas that are high in violence or criminal activity for your personal safety.
You should look into getting something to track your workout. You can either buy a small device designed for runners to log their runs or most smart phones have an app you can install to do this as well. This will give you an easy way to track how far you’ve run and even how many calories you’ve burned.
Try and run a similar route for a while and see how long it takes you to run that specific route. Each time you run, challenge yourself to beat your previous time. Once you think you’ve maximized your time, try increasing the distance and repeat the routine. Keep doing this until you’re running farther, faster.
Try and vary up your runs a bit. If you normally run on a flat, even area, try going somewhere to run that has a lot of hills. You can even go to a trail and try running on dirt. Running a flat mile is a lot easier than running a mile up and down hills or on a natural trail. This can be a great way to change up your workout and increase the pace at the same time.
Running isn’t hard. It’s cheap and can be a great way to get in shape. If you’re looking into running as a form of exercise, keep these pieces of advice in mind. With these handy tips, you’ll be well on your way to looking great.
I could not of help but noticed an interesting article posted in the The Trust Advisor, a weekly newsletter in which I am subscribed too. The newsletter is informative in many ways regarding currents events in the financial world, insurance, as well as topics on regulations and its impacts. The editor has great content, very specific to the industry and I am very pleased with the information he provides.
On to why I am talking about this article. So if you are in sales, any form of sales, you’ve must have used some sort of Contact Relationship Manager (CRM). Without a doubt one of the most important tools to use in any business. So, I had a chuckle when I read Scott Martin’s article about applying the principles of CRM with dating. Well, I can’t say it surprises me, since we now live in a world where dating/marriage have been subject to commidification. As well as our attention spans’ are of a small gold fish and millions of smart phone users require instant gratification. So ladies this article was not intended to offend perhaps to shed light on not only the growing trend of intimacy engrained with technology, but also the fact that we are shifting to a world where we are less genuine due to technology.
I hope you enjoy the read as I did. Click here for more to come .
Posted by Scott Martin, Contributor – on April 22nd, 2012
In a world where efficiency hunters are tracking and scheduling every casual contact, the case of the dating service spreadsheet gives advisors a taste of future best practices — and what to avoid.
David Merkur was a low-profile real estate banker who has acknowledged that he’s really more comfortable with spreadsheets. He just wanted to “stay organized” when it came to his little black book.
Now this number man’s solution to problems of romantic chemistry has gone viral, turning the once-dull art of customer relationship management into the hottest thing around.
As Merkur puts it, he worked long days as an associate director of Park Avenue firm Ladder Capital and found it tough to keep the two to three women he was meeting a week straight.
So he set up a spreadsheet to remember which was which and to remind him whether to monitor them “casually, closely or ASAP.”
That’s the real goal of CRM software, after all.
For many, CRM is still mostly a glorified electronic Rolodex — the icon you click when you need to look up how to reach a client or other business contact.
But as Merkur was finding out before his private adaptation of the technology went public, its true power comes from recording the details of every interaction and automatically scheduling the next one.
Let the robot do the work
If anything, Merkur looks like a bit of an amateur when it comes to setting up reminders that it was time to schedule the next date or send a follow-up “I had a wonderful time” text message precisely 72 hours later.
Just classifying your clients by “monitor casually” or “VIP” is okay when it comes to routing their calls, but a real modern CRM system should do the monitoring and prioritizing for you.
Emails from ultra-high-net-worth clients — the investors with the best “looks,” in the dating model — naturally rise to the top of the queue so an advisor can drop everything when they arrive.
More middle-of-the-road accounts slide to more of a “maintenance” cycle, letting the advisor respond as resources permit without making them feel like they’re just one more faceless account.
The system will also tell you when it’s time to check in on a hot prospect if too much time goes by without contacts. None of this vague “contact again week of X” or “might revisit” stuff. When the alarm goes off, a modern CRM will tell you the time is now.
Don’t play it cool
As in dating, you’re in charge of your CRM settings. Don’t settle for the default, whether it’s waiting three days before calling or three months before setting up your next client meeting.
This is your chance to go above and beyond expectations.
Remember, the high-net-worth attitude trackers at Spectrem found out that 40% of millionaires insist on being called back in under two hours.
Everyone in the industry knows that and has probably programmed their alerts accordingly. Get ahead of the pack and set your system to poke you 90 minutes after logging a call.
Email messages are a little less crucial, but if one in four HNW investors Spectrem talked to want two-hour response, why risk it?
And naturally, quicker is better. Unlike the dating world, there’s nothing gained in playing hard to get. The alerts should set hard limits on the maximum amount of time you wait before getting back to a client or hot prospect — faster service impresses.
One thing David Merkur failed to remember is that every woman on his list wanted to think she was the only one in his world. Every client wants to feel like the biggest account you have.
So when Merkur sent one of his girlfriends the list, part of the shock that got her to forward it on was seeing her vital statistics laid out next to the others.
The spreadsheet’s clinical tone probably didn’t help him cultivate a romantic image, either. (Click it to enlarge.)
You look good when they feel great
As Helen Mirren says in “Gosford Park,” the secret of good customer service is anticipating your client’s needs and behaviors.
The more clients — or girlfriends — you have, the harder it is to keep everything straight.
But the goal here is not so much to remind you which is which. It’s to make them feel special when you remember their birthdays and their grandkids’ names.
That’s ultimately what CRM systems enable. It requires more work at the beginning to program all that stuff into the software, but it pays off over time.
Spreadsheet Casanova David Merkur only had eight girlfriends and his spreadsheet didn’t have room for anything about them but where they grew up and how the dating negotiations were going.
An advisor with dozens or hundreds of wealthy clients — and more in the pipeline — needs a lot more help with the fine details that went into the portfolio or financial plan.
Even if you pride yourself on your memory, it takes effort to keep all that stuff in mind. Key it into the system and let go.
It should look so seamless your clients don’t know it exists. After all, you’re not exactly forwarding them the files you keep on them to prove to them how smart you are.
Scott Martin, senior editor, The Trust Advisor.
Perhaps you are a recent graduate who has been affected by the current economic conditions where you find yourself looking for a new job with little options. May be you are a business owner whose revenues have been drastically reduced while your expenses have remained the same. Or, are you one of the millions who have been displaced and your new career options are offering you half your accustomed pay?
No matter what category you may fall under, remember, THIS IS the time to retool, re-skill, revamp, reorganize, re-harness, rethink, remodel, re-budget, everything in our lives. To begin, you must start with your mindset. Our minds are so powerful in so many ways, both negative and positive. Therefore now more than ever we must think of ways in which are creative with always the half-glass full mentality and strategically accomplish our objectives. You must foster and cultivate an environment which will be conducive for optimal results.
So, “How can I revamp my mindset?” you may ask.
Well, by going back to the basics and inspiring the thoughts from within which will manifest into something extremely valuable.
In doing so, I MUST recommend “Think and Grow Rich” by Napoleon Hill. In my opinion this is the most powerful read of all time regarding business, inspirational, and entrepreneurial thinking. For some, you may be saying, ” I’ve read it already” ; well that’s great so read it AGAIN! Remember this is a book which you can derive diamond nuggets every time you read. Since times have changed virtually among all business landscapes as well as personal circumstances, the way we thought then is so very different in the present time. As for those who have not read this monumental book then please get your copy today!
You will find the principals in this book to be timeless and assist you during our current economic correction. During every downturn there are huge opportunities to identify and profit from. It is within us to pursue our dreams while understanding that obstacles will always present itself and ["that all achievements, all earned riches, have their beginning in an idea"- Napoleon Hill]
Remember we are faced with challenges and obstacles every day that will attempt to derail your goals, which I call deferred dreams. It is the actions we do on a daily basis that will change the outcome and extinguish any of the “distractions” that present itself.
So our mission statement is as follows:
We are to provide useful and encouraging content, reviews, as well as videos/audio that will shed light on methods of self-improvement, business practices, viral marketing, traffic generation, visionary thoughts, with a twist of overall health consciousness.
I’d like to end with a quote from one of my favorite books,
“Before success comes in any man’s life, he’s sure to meet with much temporary defeat and, perhaps some failures. When defeat overtakes a man, the easiest and the most logical thing to do is to quit. That’s exactly what the majority of men do.” – Napoleon Hill
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