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Thursday, October 29, 2009

Financial Planning And Why You Must Have Budget.

Financial planning calls for you to be in full control of your money coming in and going out, failure to that then you can prepare yourself for financial crisis. As much as it takes personal principles, there is a need to budget to avoid overspending especially when you go into a supermarket. Just think of this; you enter a super market and by the time you get to the cashier you have four items that you did not intend to pick.

Supermarkets employ clever techniques of making customers pick items that are not necessarily important hence shoppers spend big. One technique is placing goodies just next to the cashier, as much as they may appear cheap in the long run they add to your spending.

Every supermarket has shopping carts at the entrance, but some of us even though we were intending to pick a single item decide to push a trolley to lean on as we shop. Sometimes a supermarket attendant will even offer you one if you do not have. In the process we find ourselves tossing items we do not need in the shopping cart. This is a psychological issue thus leave that trolley alone when you are buying a single item.

The best way to overcome this is by having a budget and more so sticking to it. You do not need to be an accountant to draw a budget. Before purchasing an item whether it is necessary or not, ask yourself whether you really need it. Even when you meet a convincing sales person with an irresistible offer walk away or you will buy something you did not budget for.

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Achievement - Power And Ability Of A Positive Mind

“Attitude is everything!” This statement carries so much truth that if every one took time to think about it and make necessary adjustment in life, then our lives would change for the better. Many times in our quest for self improvement, we have concentrated on changing and improving many things but our attitude.

Attitude is a person’s frame of mind. It is the mindset that a person has that helps him to develop a world view. Attitude is expressed by how we respond to issues. One person once said, “Life is not what happens to you but how you respond to issues”. Two individuals may encounter a similar negative situation but how they will each respond will determine the outcome.

One of the main attitudes we need to embrace is cultivating a positive mindset or attitude. As you read through history you encounter ordinary individuals who did extra ordinary things. Moses in the Bible was known to stammer in his speech but he became the deliverer. Abraham Lincoln on the other hand educated himself; he had no formal education but became the most acclaimed president in the history of the United States.

Mother Teresa, a simple nun in Calcutta also became an icon through her acts of mercy and philanthropy. The list could go on and on. What characterized these people was a positive mindset, they all believed in possibilities and they responded decisively for the good of humanity.

Regardless of your present status and condition, you can accomplish anything with positive thinking. There is power that is released through positive thinking and once it is released, it will always work for you. Positive thinking acts to enhance your abilities and virtues. Nothing is impossible to him that believes.

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