Spring has arrived but it is not too late to make new resolutions or to get back on track with the original resolutions that may have been made at the first of the year. For encouragement in this matter of self improvement and new resolutions I am posting quotes that are related to these subjects as well as the subject of moving onward. I am listing quotes from the noted American psychic Edgar Cayce (1877-1945) first as he lived in our neck of the woods in Kentucky. After so many years of driving up and down the area where he lived and was later buried, it is interesting to look into some things he said. Some other individuals whose quotes I am posting include Benjamin Franklin and Albert Einstein.
EDGAR CAYCE:
"When you are prepared for a thing, the opportunity to use it presents itself."
"There is progress whether ye are going forward or backward. The thing is to move!"
"Dreams are today's answers to tomorrow's questions."
"Know this: that whatever situation you find yourself in, it is what is necessary for your development. An entity must apply in its associations from day to day a word here and a word there, one today, another tomorrow, and the next day, with the understanding that from such activities in word and deed, self-development will come...when an entity has prepared itself through constant forward movement towards service, the necessary circumstances for change will come about so that he may see the next step, the next opportunity...Haste not and be not overanxious; for is not the whole of the building of His making"?
OTHER QUOTES:
"When you are finished Changing, you are finished." __Benjamin Franklin
"If you are going through hell, keep going." __Winston Churchill
"Life is like riding a bicycle. To keep your balance you must keep moving." __Albert Einstein
"Don't wait. The time will never be just right." __Napoleon Hill
"The best time to plant a tree is twenty years ago. The second best time is now." __Proverb
"When you know what you want, and want it bad enough, you will find a way to get it."__Jim Rohn
"You are the embodiment of the information you choose to accept and act upon. To change your circumstances you need to change your thinking and subsequent actions." __Adin Sinclair
"Never, never, never give up." _Winston Churchill
"People often say that motivation doesn't last. Well, neither does bathing-- that's why we recommend it daily." __Zig Ziglar
"If you want to reach a goal, you must 'see the reaching' in your own mind before you actually arrive at your goal." __Zig Ziglar
"The secret of getting ahead is getting started. The secret of getting started is breaking your complex overwhelming tasks into small manageable tasks, and then starting on the first one." __Mark Twain
Sources:
ThinkExist.com Quotations. "Zig Ziglar quotes." ThinkExist.com Quotations Online 1 Feb. 2011. 22 mar. 2011 http://einstein/quote/zig__Ziglar/
ThinkExist.com Quotations. "Edgar Cayce quotes." ThinkExist.com Quotations Online/ 1 Feb. 2011. 22 Mar 2011 http://einstein/quotes/edgar__cayce/
ThinkExist.com Quotations. "Proverb quotes." ThinkExist.com Quotations Online 1 Feb. 2011. 22 Mar 2011 http://einstein/quotes/proverb__/
ThinkExist.com Quotations. "Napoleon Hill quotes." ThinkExist.com Quotations Online 1 Feb. 2011. 22 Mar 2011 http://einstein/quotes/napoleon__hill/4.html/
ThinkExist.com Quotations. "Jim Rohn Quotes." ThinkExist.com Quotations Online 1 Feb2011. 22 Mar.2011 http://einstein/quotes/jim__rohn/
ThinkExist.com Quotations. "Albert Einstein quotes." ThinkExist.Com Quotations Online 1 Feb. 2011. 22 Mar. 2011. http://einstein/quotes/albert__einstein/
ThinkExist.com Quotations. "Benjamin Franklin quotes." ThinkExist.com Quotations Online 1 Feb. 2011. 22 Mar. 2011 http://einstein/quotes/benjamin__franklin/
ThinkExist.com Quotations "Winston Churchill quotes." ThinkExist.com Quotations Online 1 Feb. 2011. 22 Mar. 2011 http://einstein/quotes/winston__churchill/
Tuesday, March 22, 2011
Monday, March 14, 2011
Move Onward: Saving Money Part II
More ways to move onward through the economic crisis by saving money:
1. Pay utility bills by the 1st due date every month to avoid a six to nine dollar late fee every month.
2. Take advantage of programs at the local health department such as Family Planning and Wic. Family Planning will provide services based on your income concerning birth control. Several health departments provide condoms free of charge simply by asking for them and no doctor's appointment is needed to receive condoms for free. Wic is a nutrition program for women and preschool age children. Pregnant women and small children receive vouchers for food items such as milk, baby formula, cheese, juice, and cereal. Call the local health department to find out more information or to make appointments.
3. Take college classes online instead of on a college campus in order to save money on gas. This may also save you considerable driving time that can be used for studying instead.
4. Cut up old clothes to use as rags for cleaning, instead of constantly buying paper towels. If necessary rags can be cleaned in the washer in order to use again.
5. Shop at stores like the Dollar Tree that only charge $1 for each item for sale in the store. Merchandise in these type of stores vary but there are many name brand products to be found there. Look for shampoo, soap, toothpaste, Reynold's wrap, party supplies, school supplies, make-up, baby items, wrapping paper; the list can go on and on!
6. Don't waste paper towels on cleaning mirrors and glass when newspaper cleans glass and mirrors better. Newspapers will get glass and mirrors squeaky clean! Using old newspaper to clean glass will also give a 2nd use to newspapers which will help the household "go green".
7. Take full advantage of federal programs such as Pell Grants, work study positions, and grants from individual states to continue higher education.
8. Turn the lights off when leaving the room to save money as well as energy. This is nothing new but everyone can use a reminder on subjects like this. Turn the thermostat down when leaving the house for long periods of time. Unplug appliances at night that are not being used. Switch to using energy saving fluorescent light bulbs. Look for inserts in your utility bills for more money saving and energy saving ideas like these.
9. Don't spend money on expensive permanent tattoos. Instead use fake tattoos for the same look as well as more versatility in style as can change fake tattoos frequently instead of being stuck with the same tattoo for life.
10. Wash plastic containers food comes in to re-warm food in the microwave, store food in the refrigerator, use as impromptu plates or bowls, and to pack your lunch for work in. Reusing plastic containers saves money on tin foil, plastic wrap, or having to buy plastic containers.
11. Grow a small garden in your yard to have close access to your favorite vegetables and flowers as well as saving money on these items. It is even possible to grow tomatoes indoors in a pail.
The bottom line is to be creative in ways to not waste resources.
1. Pay utility bills by the 1st due date every month to avoid a six to nine dollar late fee every month.
2. Take advantage of programs at the local health department such as Family Planning and Wic. Family Planning will provide services based on your income concerning birth control. Several health departments provide condoms free of charge simply by asking for them and no doctor's appointment is needed to receive condoms for free. Wic is a nutrition program for women and preschool age children. Pregnant women and small children receive vouchers for food items such as milk, baby formula, cheese, juice, and cereal. Call the local health department to find out more information or to make appointments.
3. Take college classes online instead of on a college campus in order to save money on gas. This may also save you considerable driving time that can be used for studying instead.
4. Cut up old clothes to use as rags for cleaning, instead of constantly buying paper towels. If necessary rags can be cleaned in the washer in order to use again.
5. Shop at stores like the Dollar Tree that only charge $1 for each item for sale in the store. Merchandise in these type of stores vary but there are many name brand products to be found there. Look for shampoo, soap, toothpaste, Reynold's wrap, party supplies, school supplies, make-up, baby items, wrapping paper; the list can go on and on!
6. Don't waste paper towels on cleaning mirrors and glass when newspaper cleans glass and mirrors better. Newspapers will get glass and mirrors squeaky clean! Using old newspaper to clean glass will also give a 2nd use to newspapers which will help the household "go green".
7. Take full advantage of federal programs such as Pell Grants, work study positions, and grants from individual states to continue higher education.
8. Turn the lights off when leaving the room to save money as well as energy. This is nothing new but everyone can use a reminder on subjects like this. Turn the thermostat down when leaving the house for long periods of time. Unplug appliances at night that are not being used. Switch to using energy saving fluorescent light bulbs. Look for inserts in your utility bills for more money saving and energy saving ideas like these.
9. Don't spend money on expensive permanent tattoos. Instead use fake tattoos for the same look as well as more versatility in style as can change fake tattoos frequently instead of being stuck with the same tattoo for life.
10. Wash plastic containers food comes in to re-warm food in the microwave, store food in the refrigerator, use as impromptu plates or bowls, and to pack your lunch for work in. Reusing plastic containers saves money on tin foil, plastic wrap, or having to buy plastic containers.
11. Grow a small garden in your yard to have close access to your favorite vegetables and flowers as well as saving money on these items. It is even possible to grow tomatoes indoors in a pail.
The bottom line is to be creative in ways to not waste resources.
Saturday, March 5, 2011
Money Saving Ways to Move Onward
The past few weeks gas prices have risen in dramatic amounts in our already struggling economy! According to the latest news, gas prices will not quit climbing anytime soon. Many households have suffered job losses or are trying to get back on their feet with new employment. Listed below are a few ways to save money and resources in order to move onward through this latest economic crisis.
1. Instead of buying new furniture make do with the furniture you already have by painting it or putting a new stain on it. Experiment all you want with bright colors or different paint techniques!
2. Don't spend money buying wrapping paper for gifts as you can "make" your own wrapping paper with materials already in the house such as the Sunday comics from the newspaper, old maps, Chinese takeout menus, tin foil, etc.
3. Save on entertainment costs by bringing home old magazines from work that you haven't read. Another source for free reading materials are magazines provided at church.
4. To save on the health and beauty aid budgets send away for free samples listed on the Internet. Many companies give away samples of new products such as lotion, shampoo, makeup, cologne, tampons, medicine, etc. The samples to sign up for are easy to find on magazine and/or freebie websites.
5. Bring snacks and drinks from home to work instead of feeding money into vending machines for the same products. For example a soft drink from a vending machine can cost one dollar or more, while the same product bought at a grocery store can be thirty-three cents to fifty cents. Over a period of one month, bringing food from home to work can add up to significant savings!
6. Twice a week prepare meals that do not have meat featured in them. Instead put items like grilled cheese, pancakes, pasta, and vegetables on the menu.
7. Use cell phones only and don't maintain a land line phone at home. Also take advantage of family plans cell phone service providers offer.
8. Buy books to read at places such as thrift stores for fifty cents to one dollar. It has been my experience that books at thrift shops can be found in good condition . There are books to be found at thrift shops that are older classics as well as books that are current best sellers.
9. Find a bank where there are checking accounts that do not have monthly service charges but that provide checking accounts free of charge. The savings in doing this may be as little as five dollars , however there is no need to be charged five dollars a month if it can be avoided otherwise!
10. Instead of buying new athletic shoes wash ones currently owned in the washer and then wear them like they are new.
11. Instead of buying new clothes for a special occasion such as a dance or a wedding, borrow or trade dresses and suits from friends and family. Doing this will save money as well not wasting resources by buying an outfit to be used for one special occasion only.
12. Quit eating out at restaurants or buying takeout food. Eating food prepared at home saves a family money as well as providing more food for the same amount of money.
13. Do not buy anything at all, including food, unless the item is on sale or at already rock bottom prices. Not anything!
14. Use plastic bags from the grocery or retail stores to line small trashcans in the house. The bags can be doubled up to then dispose of the trash without having to use or buy a traditional trash bag. Doing this also makes full use of the plastic bags from the store by having a second use for them.
15. Save money and energy by not drying laundry in the dryer. Instead hang clothes and laundry up in the house to dry. Small items like washcloths or underwear dry surprisingly quick on their own without help from a clothes dryer.
16. Take advantage of buy one get one free offers or buy one get one half off offers. Use one product for yourself while putting up the second product as a gift for someone else.
17. Share any extra resources with others such as coupons, old books, movies, clothes, phones, extra food, unused toys, household furniture, household decorating items, dishes, etc. This helps reduce clutter as well as helping other people who may also have other extra resources to help other people with.
18. Make lists and notes on scrap paper from magazine adds, newspapers and used envelopes instead of using paper from a new notebook or new package.
19. Save money by going to a local beauty college for haircuts, perms, hair color, deep conditioning, facials, and manicures. The savings obtained by doing this may be around ten dollars or even in the range of hundreds of dollars.
20. Get free haircuts and beauty treatments from a talented friend or family member. Or consider skipping a few haircuts and then experiment with new hairstyles on your own.
21. Getting vaccinations or flu shots at a local health department will be cheaper then the same vaccinations at a doctor's office or pharmacy.
22. Have family portraits and special occasion photos taken by a talented non-professional photographer
who enjoys the work as an hobby or who may want more experience. Photos for special occasions can then be obtained merely for the price of supplies or a small gift or tip.
23. Do as many errands as possible at one time instead of making more then one trip. This will save time as well as money on gas!
24. Ditch the cost of extra cable channels for movies or sports as there are enough of those type resources to enjoy online for free.
25. Save up the money for purchases instead of having purchases heavily financed and instead of making monthly payments on purchases. In these tough economic times who needs to create another bill?
26. Use items for yourself that are
no longer being used or worn by other family members such as jewelry, shoes, coats, and purses.
Th bottom line is to remember two rules of thumb:
1. Be creative in providing for your families wants and needs.
2. Remember the old saying, "waste not, want not"!
1. Instead of buying new furniture make do with the furniture you already have by painting it or putting a new stain on it. Experiment all you want with bright colors or different paint techniques!
2. Don't spend money buying wrapping paper for gifts as you can "make" your own wrapping paper with materials already in the house such as the Sunday comics from the newspaper, old maps, Chinese takeout menus, tin foil, etc.
3. Save on entertainment costs by bringing home old magazines from work that you haven't read. Another source for free reading materials are magazines provided at church.
4. To save on the health and beauty aid budgets send away for free samples listed on the Internet. Many companies give away samples of new products such as lotion, shampoo, makeup, cologne, tampons, medicine, etc. The samples to sign up for are easy to find on magazine and/or freebie websites.
5. Bring snacks and drinks from home to work instead of feeding money into vending machines for the same products. For example a soft drink from a vending machine can cost one dollar or more, while the same product bought at a grocery store can be thirty-three cents to fifty cents. Over a period of one month, bringing food from home to work can add up to significant savings!
6. Twice a week prepare meals that do not have meat featured in them. Instead put items like grilled cheese, pancakes, pasta, and vegetables on the menu.
7. Use cell phones only and don't maintain a land line phone at home. Also take advantage of family plans cell phone service providers offer.
8. Buy books to read at places such as thrift stores for fifty cents to one dollar. It has been my experience that books at thrift shops can be found in good condition . There are books to be found at thrift shops that are older classics as well as books that are current best sellers.
9. Find a bank where there are checking accounts that do not have monthly service charges but that provide checking accounts free of charge. The savings in doing this may be as little as five dollars , however there is no need to be charged five dollars a month if it can be avoided otherwise!
10. Instead of buying new athletic shoes wash ones currently owned in the washer and then wear them like they are new.
11. Instead of buying new clothes for a special occasion such as a dance or a wedding, borrow or trade dresses and suits from friends and family. Doing this will save money as well not wasting resources by buying an outfit to be used for one special occasion only.
12. Quit eating out at restaurants or buying takeout food. Eating food prepared at home saves a family money as well as providing more food for the same amount of money.
13. Do not buy anything at all, including food, unless the item is on sale or at already rock bottom prices. Not anything!
14. Use plastic bags from the grocery or retail stores to line small trashcans in the house. The bags can be doubled up to then dispose of the trash without having to use or buy a traditional trash bag. Doing this also makes full use of the plastic bags from the store by having a second use for them.
15. Save money and energy by not drying laundry in the dryer. Instead hang clothes and laundry up in the house to dry. Small items like washcloths or underwear dry surprisingly quick on their own without help from a clothes dryer.
16. Take advantage of buy one get one free offers or buy one get one half off offers. Use one product for yourself while putting up the second product as a gift for someone else.
17. Share any extra resources with others such as coupons, old books, movies, clothes, phones, extra food, unused toys, household furniture, household decorating items, dishes, etc. This helps reduce clutter as well as helping other people who may also have other extra resources to help other people with.
18. Make lists and notes on scrap paper from magazine adds, newspapers and used envelopes instead of using paper from a new notebook or new package.
19. Save money by going to a local beauty college for haircuts, perms, hair color, deep conditioning, facials, and manicures. The savings obtained by doing this may be around ten dollars or even in the range of hundreds of dollars.
20. Get free haircuts and beauty treatments from a talented friend or family member. Or consider skipping a few haircuts and then experiment with new hairstyles on your own.
21. Getting vaccinations or flu shots at a local health department will be cheaper then the same vaccinations at a doctor's office or pharmacy.
22. Have family portraits and special occasion photos taken by a talented non-professional photographer
who enjoys the work as an hobby or who may want more experience. Photos for special occasions can then be obtained merely for the price of supplies or a small gift or tip.
23. Do as many errands as possible at one time instead of making more then one trip. This will save time as well as money on gas!
24. Ditch the cost of extra cable channels for movies or sports as there are enough of those type resources to enjoy online for free.
25. Save up the money for purchases instead of having purchases heavily financed and instead of making monthly payments on purchases. In these tough economic times who needs to create another bill?
26. Use items for yourself that are
no longer being used or worn by other family members such as jewelry, shoes, coats, and purses.
Th bottom line is to remember two rules of thumb:
1. Be creative in providing for your families wants and needs.
2. Remember the old saying, "waste not, want not"!
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