Tag Archive | Money

Is Your Money Safe?

Safe

The days of stuffing your money under the mattress or saving jars of coins to keep your money safe are fading away. The days of using cash for transactions will be scrutinized except for a few gas stations that give a five-cent per gallon discount. Writing, sending, or receiving a personal check will soon be a distant memory . . . experienced only by those over 30. Because we no longer mail the birthday cards with the cash or check inside. That is replaced with gift cards, instant money transfers, and social media communication. 

Technology will continue to change how we view cash. Because of technology we no longer handle, count, nor touch the cash we make and spend.  It is done online electronically or with the swipe of a card. Whether paying a bill online or making an online purchase, you can pay by credit or debit card . . . but not with cash! Technology will continue to change the way you bank. If you receive pay by direct deposit, there is no need to even go to the bank or wait for the bank to open. As long as you have an online banking account, or a debit or credit card with more than a $20 balance . . . you have 24-hour access to your cash.

It is imperative to be proactive and take time to investigate and research banks, credit unions, organizations, and businesses before giving them your money. . . intentionally or unintentionally! Check for any hidden fees that may be added to your transactions. Ensure the credibility and legitimacy of any communication you receive from any company before releasing any of your personal information, to prevent identity theft. In this technological world, keeping your money safe takes on a whole new meaning!

Monthly Affirmation ~ May

MAY

WHAT are you doing with your money?

Many people believe that if they had millions of dollars they would be happy, but most of us cannot budget the money we are earning now.  Create a workable budget and stick to it. Devise a savings plan for a desired possession. Set aside funds for emergencies and unexpected circumstances. Plan for retirement and the future.  Tithe.

Don’t let your money manage you . . .  manage your money!  Take a class, hire a financial consultant, talk to an accountant, or research about money management.  Get control of your finances and watch your resources multiply!

More Precious Than Money!

Time

What is more precious than money you ask . . . time, of course. Spending time together is what someone will remember, it’s called memories. When you have the money, you don’t have the time and when you have the time, you don’t have the money. It seems the two are never available at the same time. 

Time well spent is more precious than gold. Parents work hard and long hours to buy things for their children, when all children need is their time. Their time to nurture, teach, and build character.  Men in relationships feel pressure to buy diamonds, flowers, houses, cars, etc. to impress the women in their lives. When all they need is to take the time to know who they are trying to impress.

You can save money to spend at a later time or endow to family members in your will.  But time waits for no man. Once that time is gone, you can’t get it back. Spending time with love ones used to be commendable. Now spending is commendable. Time is what you need to live. Money is just a resource during that time! 

Monthly Affirmation ~ May

MAY

WHAT are you doing with your money?

Many people believe that if they had millions of dollars they would be happy, but most of us cannot budget the money we are earning now.  Create a workable budget and stick to it. Devise a savings plan for a desired possession. Set aside funds for emergencies and unexpected circumstances. Plan for retirement and the future.  Tithe.

Don’t let your money manage you . . .  manage your money!  Take a class, hire a financial consultant, talk to an accountant, or research about money management.  Get control of your finances and watch your resources multiply.

 

Dollar by Dollar

English: Many dollar banknotes.

Here is some food for thought. Money is just a resource to obtain other resources.  Yeah, I said it!   We give “money” too much power. I know we have to live somewhere, use utilities (depending on the continent), and sustain. But if all you are trying to do is make the dollar to obtain the resources just to sustain . . . then keep reading.

Barter and Trade– the most under-appreciated practice of commerce. There was a time when one could exchange a service for goods. Now you need cash. Bring this practice back wherever possible. 

Put thought into the gift– the most under-appreciated practice of gift giving. There’s nothing worst than to receive an expensive gift that you don’t like and be indebted to the giver. Love is not expensive . . . Hollywood makes it look that way.

Shop at your local farmer’s market– the most under-appreciated place to shop for food. Your dollar will stretched further than at your local supermarket for fresh produce items such as fruits and vegetables.  You also get a larger and fresher variety of produce to choose from. 

Shop Early– Father’s Day is the most under-appreciated day in the history of holidays. There are no advertisements (unless you want to buy him that Hanes t-shirt with no tag). No early bird specials, no deals . . . nothing. Yeah, go ahead and say it, you have to spend more for Mother’s Day because it’s Mom. But there are also good men, husbands, and fathers who should also feel special on their day. These are the men everyday making dollar by dollar to get the resources so their families can sustain. Remember it takes 46 chromosomes (23 from each parent) to create life.  So give dads their credit too!

Put money in its proper class . . .  a resource. Without it, you still survive. With it, you still survive. The people who truly love you and your freedom are more valuable than any dollar amount. Money comes and goes . . .  but you only get one life to figure that out!

What Will It Cost YOU?

No-cost

No-Cost (Photo credit: Wikipedia)

Below are a few more things to think about when it comes to keeping your money in your pocket a little longer. The DON’Ts about what you should do with your own money, no matter how little. It is very important to consider “what will it cost you in the long run  . . . and is it worth it?

W.H.A.T.!™ DON’Ts to consider:

  • DON’T go to the emergency room, unless it is an emergency. Preventive maintenance on your body is more important than the 3,000 – 5,000 mile maintenance check you do for your vehicle, yet people seldom do it. For those with insurance, get your annual physical exam and take advantage of your 6 month dental cleaning.  These two visits will cost you less than a more serious visit and may find a health issue that could cost you in the long run. Is it worth it? Heck yeah!
  • DON’T put all your trust in just one health care provider.  You have to advocate for your own health. Filling and refilling prescriptions that you don’t need cost and doctor visits bills that are unnecessary pile up. Be open to alternative options, second opinions, and natural medicines. History moment– 100 years ago everyone was born at home. Remember the health care industry is still relative new compared to all of humanity. So DON’T laugh when an elder tells you to mix ginger root and talcum powder.
  • DON’T get scammed. You have to be vigilant everyday, people ready to con or scam you are everywhere! There are those out there ready to profit from other’s pain, fortune or misfortune. Fake contractors, fake donation organizations, fake investors, fake relatives, fake victims, etc. will surface from the natural disasters that have or will happen. Please DON’T fall for it!
  • DON’T take out a payday loan, don’t rent to own, and don’t pay high interest on credit cards or items that you DON’T need or can’t afford. You will never catch up, it is modern-day sharecropping, you will always be in debt.
  • DON’T give your money away to anyone who will not repay you. This is important advice to you if you are a giver. Always giving without looking for anything in return.  And that is exactly what you get back . . . NOTHING!  When you are in need . . . you only get excuses, so just keep your money in your pocket! 
  • DON’T be ungrateful for what you do have, how little it may be. Many can testify or tell you a story about when everything they owned or loved was taken away. So be thankful because in the blink of an eye it can all be gone. What can it cost you if you DON’T appreciate what you got . . . EVERYTHING!

 Related articles

Make Your Money Last Longer

Money (magazine)

Money (magazine) (Photo credit: Wikipedia)

With the summer months approaching, the pressure is on.  Money being spent for graduations, weddings, baby showers, summer camp, vacations, etc. Those with children have to keep them entertained because they are out of school. If you have students in college, they are coming home to eat up your food.

Some are not as fortunate, as storms or natural disasters have or will take everything from them.  They have to overcome the devastation and relocate or rebuild. There are children that the summer brings pressure because they will be hungry without the school breakfast and lunch each day. As well as those employees in education, who don’t make the same income during the summer months.

No matter your situation, here are a few tips to help make your money stay a little longer in your pocket, under your mattress, or in your bank:

  • Don’t pay the retail price for anything . . . PLEASE!!!- see May 6th post below     “Are You Paying Retail? Really!
  • Some movie theaters have summer deals. Certain days and times are free or at a very low-cost. If you work at a company that have discounted tickets, take advantage . . .  if not, then go during the matinée hours, it cost about the same.
  • If you are travelling this summer, be flexible and leave on a day that is cheaper than the day you WANT to leave.  If driving, make sure your vehicle has the oil changed, tires checked, etc.  It cost more when you are stuck on the road.
  • Some luxury hotels have summer deals for great prices. You will be able to enjoy the amenities without paying for it.
  • If you are staying at home, make sure you get the air conditioning, swamp cooler, or fan checked now before it gets too hot.  If you call for service, the prices are much higher and the staff limited.
  • If you are fortunate enough to donate . . .please do!  There are many causes out there that will appreciate the time, the item, or the money given.

In these instances, you can look like the HERO and make your money last longer at the same time.  Do YOU have examples? Please do share!

Vincent Egoro

Vincent Egoro - Shares Personal Improvement, Love, Motivational Messages and Quotes, to inspire you to live your greatest Life...Every day!

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