So, a while ago I meet this young man. He says he’s homeless. I look at his condition, a worn tee-shirt, dingy torn jeans, and extremely worn sneakers/tennis -shoes. I believe him. I tell him to have a seat, while I confer his situation with the man of the house (my husband) about the type of assistance we could offer him.
A few moments later I return to tell the young man how we could help him. This young man, still has his struggles, but he makes effort to find and keep employment. I applaud him, and hope to one day be able to assist him in others ways in the future.
A kind gesture can open the heart and mind of so many of our youth who’ve been mistreated and neglected. Parents struggle daily to provide the daily necessities of life and sometimes it’s too much to bear. As a parent I totally understand their plight because I’ve been in their shoes.
Help is available. With every hardship, comes ease. This is a true story. The young man I speak of is a part of this group.
Thank you for taking the time to read this story.
Wishing you peace, and prosperity,
A Black Tie Affair
I’m always looking for ways to increase wealth for myself and others. One way I’ve learned that works is making small changes to my current spending habits. After creating a budget sheet and observing where I can cut costs on the big stuff like utilities, cable television, cell phone and internet bills. I then focus on other ways I can cut costs and make my household budget last longer.
The men in my family get hair cuts every two weeks. The cost of a haircut has gone up significantly. My son just had a barber cut his medium length hair for $25.00. So if he would go to that same barber every two weeks (I have since encouraged him to find a new barber who doesn’t charge that much), he would pay a total of $650.00 dollars a year. Now, if he stretches out his routine from 14 days into 18 days he could save $130.00 and only pay $520.00 per year. He could save even more if he keeps it long or learns to cut it himself (I’m just saying). Ladies I think we sacrifice enough, however, to make things fair I have to include some things for us on this post too. So, we can benefit from limiting the number of visits to the salon for our nails, and hair by doing them ourselves. Maybe once a month we can wear our up-do and have some girlfriends over for a ladies ‘mani’ and ‘pedi’ party. We can pool our funds together, do each other’s hands and feet or have a beautician come to our party! 😀 Sounds like a good plan to me!
I’m writing this to help others think creatively about ways to increase their wealth. Here’s a little acronym I came up with when shopping. I call it the MASS shopping system.
Make a list of things as they run out and before going shopping to force you to stay on budget.
Analyze what is a want versus a necessity. Wants are things you can do with out like a bottle of wine, cookies, cakes, ice cream. Yes, believe it or not we can live without them, although life is a little bit more boring. 😉
Sort through the coupons you receive in the mail from Sunday’s news paper during your down time or just before shopping. Then plan your departure to the store and return home to save on gas.
Stay focused so you don’t get distracted by impulse items. You know, those cookies and ice cream. So maybe just buy them once a month from your savings. 😀
Those are my tips for this month. Short, sweet, and to the point. Thank you for your time, and remember to like this post and share it with others. Our positive energy makes the world a better place for everyone. 🙂
Wishing you peace and prosperity,
DRIP or dividend reinvestment program/plan, is a term not many are familiar with, although it’s been around since the 60’s. Many companies offer this program to their employees through stock options, that allow them to reinvest their cash dividends back into the company by purchasing a share or fractional shares of the company’s stock.
If you want to get into investing but are a little skeptical about the market, this is one of the best ways to begin. Start with companies you use, or are familiar with like your cell phone company, or hair care products. Get the company’s phone number from their website or prospectus and request to be transferred to their DRIP enrollment department. Once you purchase a stock in your name, you will be eligible to participate in the reinvestment program, it’s as simple as that. Then sit back and watch your earnings grow. 😀
It’s not a good idea to watch your stocks daily, because market fluctuations can cause a panic, but it’s recommended by investment analysts to buy and hold for a period of time, at least three to five years. What I suggest is to check on the progress of your investment monthly to see how it’s doing over the course of a year and then make a decision to keep it or sell. Once you sell, there is a portion that must be paid out in capital gains. Speak with your tax adviser about those details at tax time.
As always, please feel free to leave a comment and if you like what has been written here, share, subscribe, and like. Thanks.
Wishing you peace and prosperity,