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Sunday, September 22, 2013
Tuesday, September 10, 2013
Ten Basic Financial Principles, Learn to manage you finances.
How can you manage your finances, managing Finances is not easy especially in this difficult day that all our basic needs like rice are increasing, we need a strong desire to manage our Finances to be able to coop the rising necessities.
Let me share to you a simple tips about how to manage our Finances.
1. Make and maintain a budget: make a list of your need don‘t over spend in excess of your allowable budget for the day. Bear in mind that you need to maintain your money until the next payday.
2. Honor your commitment: pay your debt, pay your bill like electric, water, house rent and alike, so that, you will not pay the penalty because you are updated in payment.
3. Be Accountable: write what you are buying or spending, so, you can review where your money goes.
4. Buy according to principle not fad: buy only what you need not the one you don‘t need and what your interest is.
5. Give God a portion of your income: before anything else give your offering to God. it‘s from Him so we must return what is from God and God with His abundant blessing will shower us.
6. Be fair and selfless with your funds: share a blessing, give to the needy
7. Limit or destroy the credit card: don’t over use your credit card, let your current bill clear first before using it again, estimate if you can pay the amount in accordance to your budget, Much better to use it not.
8. Shun debt and over commitment: avoid borrowing money and other commitment beyond your income.
9. Control the small purchases: much better to buy all your need than to buy one by one, limit buying small things, if you do, one day you will amazed you have no money anymore.
10. Pray about your money management. Pray to God to help and teach you to manage and to spend your money wisely.
Saturday, September 7, 2013
How you find pleasure in reading?
Are you a reader? How you find pleasure in reading? For me reading is good, my favorite to read is about history, facts and some interesting article that will increase my knowledge and information.
What reading can do to us as a reader?
Reading introduces new people, new ideas and new events into life, enhances thinking, it stretches and strain our mental muscle, it stimulate growing up instead of growing old, it’s expands us, it navigate us through new places.
When I stop studying for a while, I use reading as my past time, magazine, pocket book, etc. it’s like watching a movie, if you finish one story. my father is always bring me a magazine and pocket book and later on it become my business, I put a small table outside of our house for the magazine and pocket book then my customer rented it for 5 pesos until they finish reading it.
Reading take away my boredom, I had nothing to do in the house, I m not a man who want to go outside, all I want is to stay at home, it also take away my stress. Reading is good, it become bad defending on things that you read, if you read porn magazine that’s bad, bad for the mind and for the health, and later on I shift to the bible reading.
Reading really expand us, we can reach the place we want by knowing some information about the place, reading make us more interesting to be around, going anywhere to look for books, you also exploring your place, meeting new people, new friend in the same trend.
There are three groups of readers.
Simple reader, it is the one who read ordinary books just to make use of his spare time without any definite purpose, he read any kind of book he want.
Second is the Intelligent reader, is the one who read to acquire greater acquaintances with facts, his desire is to learn, someone who treasure a books, he want book which is informative and interesting,
And the third the Gentle reader, it is the one who reads to grow in facing life deepening his feeling and enhancing his joy in life, he read book of reflection, like bible and alike.
Which are you in this reader? Well, me, all of the above.
Are you a good reader? Here is how to be a good reader.
Read at your best, in good physical condition, some of us read only if had nothing to do, just like the first group of reader sometime they didn’t finish what they read.
When reading avoids unnecessary destruction, you can’t focus on what you read if there is destruction, like me I don’t want to destruct me when I’m reading. But there are some people who can read in noisy surrounding, maybe like you.
Have a clear objective in your reading, aim in reading will determined how you read and what reader you are, if you are in the first, second or third group of readers, it just a waste of time if you read without purpose.
Get into the habit of reading widely sound like start with simple reading material such as daily news paper, a short story books, as you acquire fluency and pleasure in reading pick a great one such as encyclopaedia and other books that you will learn, that will enrich your mind then soon you probably enjoying it.
“Reading is to mind, what exercise is to the body” -Sir Richard steel
Pick a book and start reading now.
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