Being Prepared
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In this part of the article, we will explain just briefly about how you can prepare for this coming holiday season. Since summer has come and gone, and in most states schools are back in session. In most states children are attending all year around schooling. But, before we share more information on that, what we will talk about here is about what you can do to prepare for; Halloween, Thanksgiving, Christmas and New Years.
Here's some of the topics that we will be discussing in this blog:
Budgeting
is something that most people forget about. Why? Because of the fact
that either you are earning a lot of money from your job(new job or raise) or from your inheritance from a deceased family member. Whatever the case maybe, you may have no idea how to manage your income. And that is the whole part of doing your business. Being able to manage your personal business as well as managing your real business. Furthermore, it doesn't take a nuclear physicist to know how to manage your financial matters. All it takes is knowledge and time. Knowing how to manage your finances can make you a better shopper and a better investor.
Like in all things, it takes time. Time is an asset, yet, I am not going to talk to about assets right now. But, time is an asset. The reason that time is an asset is because, you can gain time and lose time. Time that is wasted of learning to balance your budget and checkbook. You won't get it back. Once time is gone, its gone for good. Yet, being patient with learning how to budget, balancing your checkbook can lead to great rewards. If you go over budget; you will be in debt. If you go under budget; your income will rise.
First things first, you have to learn the basics of budgeting. The first one is learning how much income you have and dividing it up with all of your expenses. I am not saying; the exact bill payment. What I am saying is this; if you make about $1,800 hundred per. month. You divide that, lets say; you have 10 expenses. It would come out to about, $180 dollars per. expense. Now, I am not saying; bills. Just to make myself clear. What I am saying, is that; all the money that you are going to give away, to those that are making money from you. Therefore, charity organizations are not expenses. Expenses; are those that are:
- Rent/Mortgage
- Utilities(Water, gas, electric)
- Insurance(Real-estate, Automobile, travel,renters)
- Loans(automobile, private, business, student)
- Credit Cards
- Debt collectors
These are just some of what you may have. Or you could have more than these. But, this is just an example. Although we have said, that if you had 10 expenses that you have to pay for. You have to divide up your income accordingly towards your expenses. And that will give you a picture of how much you have to spend. Chances are, that your expenses will be higher than the amount that you calculated. If your expenses are higher than the amount that you calculated. You are already over budget. To get yourself under budget. Try to negotiate with the companies that you owe your money towards.
If they agree to the amount that you calculated. You have just saved yourself some time and money.
The next part that we're going to share with you is; Spending Habits.
Spending Habits
can be contagious, but it can be controlled. With enough knowledge and proper education. You can control your spending habits. If you have given your spending enough attention. Your life will be stress free. In order to do this you have to learn how to budget. Now, we will share with you the second thing for you to learn is; balance. Once you have set your budget, you have set your balance. Your balance is where you decide to list your supply and your demand. Notice, we said; "supply and demand". Managing your personal business and your real business is the same. With supply and demand, you have to figure out what kind of products that you are going to buy and if it will benefit you or your house-hold, or your business.
Under supply; it can be anywhere from:
- Food/Meals
- Clothes/Apparel
- Merchandise
- Automobiles
- Airfares
Under demand; it can be anywhere from:
- Assets/Liabilities
- Utilities
- Hardware/Software
- Tools
- Products
- Customers
Yet, we don't normally focus upon our budget. We tend to want majority of all that is listed and many more. But, we lack the discipline to control ourselves when it comes to money. In a normal or average house hold; you are faced with a mortgage, auto-loans, school tuition's(if you have children or if you're going to school yourself), food, utilities(electric and gas) for some households and you also pay out of pocket for cable and internet.
Although, some of the things that you use daily can be a benefit to you. It can be taxed deductible. Only by learning and educating yourself about; ways that you can manage your house-hold and your life-style can make a great difference.
One of the ways that you can start off with is; take an inventory of everything that you have. Do that everyday, if possible. And keep track of everything. Only by looking at what you have in your inventory and what you have in your pocket, can speak louder than words. If you have gone to school or haven't. Some of us have learned that taking notes of all the things that we have or making a list before we go back to school. Is the same-thing and same process.
You also can surf the internet for more information and steps that you can take in order for you to have leverage on your spending and figure out, how or why you have ended up in debt. No one likes to end up in debt. No one likes owing someone money. Because, the moment that you start owing someone or a bill collector. You will become a slave to them. Loan officers or Loan agents love people who are always in need of more money. Reason being, they can control your life. Even creditors can control you. With all the interests that they can add on, gives them leverage. Therefore, control your spending and think before you decide to borrow money from someone or from an agency.
The only way to learn from us, from CE® is by contacting us or snoop around our page and get involve. If not? Leave a comment. We are working hard to get our marbles in place so we can help you to the fullest extent.
Many people may have or haven't stopped by or have heard about us. And if anyone did? Be extra careful of what you say. Because, there is another company that is out-there with almost the same name as our company. Our business is helping people. CE® is designed to help others who are in debt and to help you get out of it before you ever end up in it. No one likes to fall into a ditch. Not even the owner. Yet, he has fallen into the ditch. He has gotten into the exact same situation that you're in. Moreover, when you do want to join our team of individuals who like helping people. The owner of this company would love to sit with you and talk with you about your debts and he can help you get out of it.
That is why he has developed this program to help others who are just like him. In the next part, we will share with you; Motivation.
In this section, we will share with you what you can do to motivate yourself. In each person through out life, we are always motivated for something or someone. What draws us to rise up and be motivated is by, enthusiastic energy, or just the mere fact of a person or some thing. Motivation is defined as; The reason or reasons one has for acting or behaving in a particular way. The general desire or willingness of someone to do something.
Also, we are motivated by the fact of a product that we like or a particular sale of a merchandise. Even if we wanted it or not. We are motivated by a want,need and desire. Most businesses like; WalMart™, saw this, and made it their leverage over their customers. Many businesses of today are duplicating this processes as we speak. Therefore, we are motivated by something or someone. That is why, it is best said; &guotto become something great or to learn something great,learn form the best.And duplicate their success." Furthermore, learning from the best and surrounding yourself with people with the same interests as you, is the best kept secret of all. Surrounding yourself with positive people, will give you positive results. Just look around you, do you see anyone who's a positive person in your life and believes in the same vision as you? If not, then you better
In this section we will discuss about: Self-control. Self-control is very important. When you are trying to build a business or manage your finances, you have to learn to control yourself. If you don't know how to control yourself, chances are you or your business will fail. Learning about what is good assets and what is bad liabilities, is your leverage of becoming financially independent. Yet, we will discuss or learn about good assets and bad liabilities later.
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