Pinch of influence prt2

Make your optimism come true. ~Author Unknown

   
 
Stop using words in your mind such as: “won’t” and “can’t”. Allowing negative thoughts to stay in your mind and to grow helps them to control how you react to situations, resulting in them becoming a reality. Consciously and constantly switch these to “will” and “can”, try your best. Accept that everybody falls occasionally, but embrace this, and instead see it as an opportunity to follow a new path.

Reblog 

9 steps to keeping my hard earned Ca$h

  
Jewish principle – Tithe – $1 

Offering – $1

Save – $2 

Spend – $5 

Invest – $1 
1. Net worth 

First list – assets things you own which are worth money 

“The good guys in white hats”
Second list – liabilities debts you owe 

“The bad guys in the black hats ”

Western movies scenario 
Remember: You worth more than you owe 
Task Add liabilities and subtract from the amount of your total assets why it’s a snapshot of where you stand 
Nugget : You need to figure out your net worth to determine whether the rats are winning you and the rats are staying about even or you are a big cheese.
2. Know your income & expenses 
Income – Money coming in 

Expenses – all the money except that flowing into saving & investments 
Net income or the difference between your income & expenses
Remember: 

If your expenses are more than your income you have a NEGATIVE NET INCOME
If your income is less than your expenses you have a POSITIVE NET 
It’s not about getting into debt to get a good education or get toys
3. Budget 

Why budget to increase your net income thus the simple reason 

– to make a realistic budget keep track of your expenses least for a month.

– make up a list of income for the following month ex salaries.

– make up a list of all your necessary fixed expense should be paid ex rent, car payments fees etc 

– make a list of non- fixed expenses that is expenses you have some control over
Record – the money you have spent and what you spent it on.
4. Pay yourself 

Remember you taxed as you 

earn, spend, save & die
Their is also 

Modern advertising 

Impulse buying 

Hire purchase etc 
Simple rule: Pay self first by putting some money aside savings account or some other place at the beginning of the month not at the end of the month

You need a Saving Plan
5. Saving plan 

The Japanese save above 10%

Plan ahead plan to save not to spend, save at least 10% of your income 
Formula 10-20-70 Rule 

10% = long term / retirement 

20% = clearing debts & getting toys 

70% = living expenses 
6. Have an emergency fund 

To help during emergencies 
7. Make a will – go to the lawyer to have a document made up that states whom you want to get what should you die
8. Make a living will – make a living will is a document that will make known what kind of medical decisions you want made for you when it comes to life – prolonging medical treatments ex comma, cancer 
9. Work to together – Share your financial desires with some you trust 
Old Mutual can assist 

Quicken Software for budgets etc 

Such a buddie 

  

Hey guys what are those tendencies that’s stopping us to reach the ultimate goal?
thing
that keeps communities and societies from falling apart. And it is the one element that has the ability to exhort us to persevere in times of failure and grief.
King David writes, “The Lord preserves those who are true to him, but the proud he pays back in full” (Psalm 31:23). Therefore, it comes as no surprise that the apostle Paul lists faithfulness as a fruit of the Spirit.
In fact, one of the first things we desire to know about God is that He is faithful. When young, we often sing the song “Jesus Loves Me,” and we know He does. No matter what we have done in the past or what we will do in the future, God’s love for us never changes. It is eternal, infinite, and faithful.
This fact is not a commission to sin. Instead, it is the evidence we need to atone and to accept God’s love for our lives. There is nothing you can do to make yourself more acceptable to the Lord.
He accepts you just as you are, and He loves you fully and completely. His love and faithfulness never change; they are yours for eternity.
When life becomes difficult for someone you know, are you the type of friend who “sticks closer than a brother” (Proverbs 18:24)? Jesus is this type of friend. He remains at our side even when others abandon us, and we should follow His example and do the same for others.

9 Steps to keep my hard earned Ca$h 

  Think about it !!!!!

Example 

Jewish principle – Tithe – $1 

Offering – $1

Save – $2 

Spend – $5 

Invest – $1 
1. Net worth 

First list – assets things you own which are worth money 

“The good guys in white hats”
Second list – liabilities debts you owe 

“The bad guys in the black hats ”

Western movies scenario 
Remember: You worth more than you owe 
Task Add liabilities and subtract from the amount of your total assets why it’s a snapshot of where you stand 
Nugget : You need to figure out your net worth to determine whether the rats are winning you and the rats are staying about even or you are a big cheese.
2. Know your income & expenses 
Income – Money coming in 

Expenses – all the money except that flowing into saving & investments 
Net income or the difference between your income & expenses
Remember: 

If your expenses are more than your income you have a NEGATIVE NET INCOME
If your income is less than your expenses you have a POSITIVE NET 
It’s not about getting into debt to get a good education or get toys
3. Budget 

Why budget to increase your net income thus the simple reason 

– to make a realistic budget keep track of your expenses least for a month.

– make up a list of income for the following month ex salaries.

– make up a list of all your necessary fixed expense should be paid ex rent, car payments fees etc 

– make a list of non- fixed expenses that is expenses you have some control over
Record – the money you have spent and what you spent it on.
4. Pay yourself 

Remember you taxed as you 

earn, spend, save & die
Their is also 

Modern advertising 

Impulse buying 

Hire purchase etc 
Simple rule: Pay self first by putting some money aside savings account or some other place at the beginning of the month not at the end of the month

You need a Saving Plan
5. Saving plan 

The Japanese save above 10%

Plan ahead plan to save not to spend, save at least 10% of your income 
Formula 10-20-70 Rule 

10% = long term / retirement 

20% = clearing debts & getting toys 

70% = living expenses 
6. Have an emergency fund 

To help during emergencies 
7. Make a will – go to the lawyer to have a document made up that states whom you want to get what should you die
8. Make a living will – make a living will is a document that will make known what kind of medical decisions you want made for you when it comes to life – prolonging medical treatments ex comma, cancer 
9. Work to together – Share your financial desires with some you trust 

Old Mutual can assist 
Quicken Software for budgets etc 

He Is Our Bastion &   Bulwark 

For thou hast been a strength to the poor, a strength to the needy in his distress, a refuge from the storm, a shadow from the heat, when the blast of the terrible ones [is] as a storm [against] the wall. (Isaiah 25:4)
The Lord God Almighty is ever our bastion and bulwark of defence. As we marshal to the fore to join battle against our raging enemy, ever does the Lord’s banner fly before us. As we take up the call to arms and muster to the field of our spiritual war, we take our courage in His strength-for by Him, we are become far more than mere conquerors. We are children of the King and shall ever be victorious against our foe.

Reblog

What changed today

  

Climate change 
Well serious action n policies are essential to combat climate change,,, rather than endless meetings and juts talking.

The main people who can actually and effectively win this war are children, the future custodians of the green planet

(my opinion)
People- if we target the future generation,,, i.e children,,, they will put policies tht are helpful to them and thoz who follow after
1 children are most affected,,, diseases n health complications,, so they will work hard to make changes fast

2 future custodians,,, they will want to live in a health enviroment

3 they are not politically or financially motivated,,, so decisions from them are not biased

 

Planet- work on a number of programs

1 plant trees,, more and more,,, to combat carbon dioxide

2 decrease emmisions by a set level/target every year

3 heavy fines/ penalty fee to those who don’t adhere

4 invest in green friendly products and ideas,,, eg electric cars

5 litter management by government and local councils
Profit,,, 

I think at first profits will be minimal,,, bt will increase wth time.

They might come from,,

1 solar projects 

2 water projects

3 wind power

4 recyclin

5 plant more trees,,, more products to produce from them e.g pharmaceticals