Save And Spend

Save And Spend

 

Maybe you’ve got college debts to pay off. Maybe you’re debt free but are a forward looking individual preparing for financial freedom well before you hit the half century mark.

 

Wherever you fall on the personal finances continuum, if you want to save and get ahead, the first thing you need to do is create a budget.

 

Why budget?

Without a budget you really can’t accurately judge where your money is going, how much you can afford to spend on a Saturday night out, if bringing your lunch everyday is enough to get you closer to your financial goals.

 

There are lots of ways to go about creating a budget. Here are a couple of straightforward ones you could try.

 

Pre-budgeting homework

Before you can create that budget you need to have an idea of how much money you actually spend. Make a list of all your expenses, groceries, gas, monthly bills, gym membership, pet costs – everything you can think of.

 

Some of those expenses are fixed. Like your gas bill and your phone bills. There is no wiggle room. Some of your expenses are flexible, like groceries and clothes. Divide all your expenses into two columns, fixed and flexible. Now you have a concrete idea of exactly what you’re working with.

 

Subtraction budgeting

With this extremely straightforward method, all you do is add up all your monthly bills. Subtract that from your take home monthly income and see what’s left for savings. If there is nothing left or not as much as you were hoping to put away then where you can skim from that flexible column. Maybe cut back on groceries and movie nights.

 

50/20/30 budgeting

50% goes to your fixed costs. Rent, utilities, bills you see month after month go here

 

20% is allotted to financial goals. This is money that goes towards savings or towards paying back debt or towards creating an emergency fund.

 

30% is for your flexible spending. This is where the grocery money comes from, hobbies, clothes, entertainment.

 

By doing a thorough examination of how much you have coming in and where it’s currently going out it’s much easier to create a budget you feel comfortable sticking to as you work towards achieving your financial goals.

Make The Best Cup

Make The Best Cup

Whether you’re at the very bottom rung on the ladder to your goals or near the top, there is a single thing you need to do everyday, and that is your absolute best.

Doing your best inspires you to respect and believe in the person you are. It changes the way others look at you, it makes them more inclined to trust you with more responsibility or more money.

It spares you from regret about days past and self-recriminating thoughts. It moves you forward and keeps your thoughts about yourself and what you’re doing positive.

At the beginning of the day you are the one you need to answer to about how you’re going to spend the precious upcoming hours. At the end of the day it’s back to you. Yes there are people you report to, people how have power to promote or demote you, people who will like or dislike you and what you do, but ultimately the most important opinion is the one you have of yourself, because that’s the cue others are going to follow.

Playing people as diverse as anti-apartheid activist Steve Biko, to human rights activist Malcolm X to boxer, to a drunk airline pilot, and just about everything in between, Denzel Washington has made a career of doing his best while following his own internal compass. Three Golden Globes, two Academy Awards and a Tony award later, it’s obvious others agree, when Denzel makes a cup, it’s the best cup he can possibly make.

Doing your best inspires you to respect and believe in the person you are. It changes the way others look at you, it makes them more inclined to trust you with more responsibility or more money.

It spares you from regret about days past and self-recriminating thoughts. It moves you forward and keeps your thoughts about yourself and what you’re doing positive.

At the beginning of the day you are the one you need to answer to about how you’re going to spend the precious upcoming hours. At the end of the day it’s back to you. Yes there are people you report to, people how have power to promote or demote you, people who will like or dislike you and what you do, but ultimately the most important opinion is the one you have of yourself, because that’s the cue others are going to follow.

Playing people as diverse as anti-apartheid activist Steve Biko, to human rights activist Malcolm X to boxer, to a drunk airline pilot, and just about everything in between, Denzel Washington has made a career of doing his best while following his own internal compass. Three Golden Globes, two Academy Awards and a Tony award later, it’s obvious others agree, when Denzel makes a cup, it’s the best cup he can possibly make.

Make Your Words As Strong As Your Intentions

Make Your Words As Strong As Your Intentions

 

So often we hear It’s not what you say, but how you say it. Generally that’s taken in the context of tone of voice and body language, but oftentimes the specific words you use to express yourself are just as important.

Someone asks you if you’ll be able to get a project done on time. Yes you can – so you answer: Yes I think I can or Yes I can.

There may not seem like a huge difference between those two sentences, but one is an absolute affirmative, while the other still has question marks attached to it. Which one would you rather hear?

The words you choose speak volumes about you and at the same time influence how others perceive you.

Indefinite statements vs. definite statements

When you say things like I think or I guess, whatever follows is automatically on weaker ground than a simple direct answer. I guess I’ll go to that seminar implies and underlying unwillingness to do it and makes you seem wishy-washy. I think I’ll go to that seminar implies a lack of commitment. I should be able to go. I’m supposed to go. The listener all of those statements will still not have any idea of whether or not you actually have any intention of going.

Yes I’m going is clear and decisive.

No I don’t believe this will be of benefit to me removes any ambiguity and provides a reason.

If you actually don’t know, give a reason why and a time when you will have an answer. I have to check with X, I will let you know by the end of the day.

 Avoid negative statements

If you want someone to listen with an open receptive mind, you’ll have more success if you frame what you have to say using positive words rather than negative ones.

Rather than Don’t always hit reply all, turn the statement around to Only hit reply all when necessary.

Instead of I don’t like negative people go with, I prefer positive people.

by removing the negative words you’re eliminating a negative undertone you may not even realize is there.

Eliminate can’t

You may not be able to do everything you’re asked to do, however can’t is often people’s go-to word for won’t.

If you actually mean won’t then say so. It’s always better to be clear with your words and intentions. If what you’re being asked is outside of your skill set or knowledge then follow up with a solution. That’s not something I’m familiar with, I will call Sarah she can help. Or I have not done that before, I will find out how.

Your words are a reflection of who you are. People will be more inclined to listen to and follow someone who is direct, straightforward and positive. They will trust a person who is unambiguous in what they say.

Grab The Resume Reader’s Attention

Grab Resume Reader’s Attention

 

Whether your resume is being read by the HR manager, the head of a company, a hiring manager or a recruiter, you can bet it’s sitting in a big pile of other resumes. When your resume hits the top of the pile you have about six seconds to grab that person’s attention.

 

Make your intentions immediately obvious

If you are applying to a posted job, use the job description to highlight the skills and qualifications the employer is looking for. Make it part of the mission statement. Use bold type. Put the most pertinent information front and center.

 

Highlight accomplishments

When listing the what I did’s on your resume don’t leave it at just a list of bullet points. Expand on those bullets. Explain how what you did impacted the company, improved efficiency (in quantifiable terms. I did X and productivity increased by Y), made for a more enjoyable, productive workplace.

 

Demonstrate your leadership attributes

Even if you were not in a leadership role, you talk about the leadership role you took with yourself. The times when your imitative impacted the job or the company or others. Never be afraid to shine a positive light on your accomplishments.

 

Show a career progression

Think of your resume as a timeline for your career. Make it easy to see how you grew from position to position with an increase in responsibility. Make it easy for the hiring manager to see your professional development through each position.

 

Don’t forget your keywords

Each industry has certain keywords that are an integral part of the community. Use those keywords in your resume to ensure the hiring manager knows you are in integral part of that community.

I’m Ready!

i'm ready

You’ve got your job. You’ve got your family and your social life. Maybe you’ve also got big goals on the backburner, things you dream about doing.

How do you approach those different aspects of your life? Are you more excited about new projects than the ones you do everyday. Do you put things off? Do you get the things you like best off your plate first?

You might be more enthusiastic about some things than others, but chances are you don’t stray too far from your median level of enthusiasm. Imagine how much you could accomplish, how enthusiastic you would be about just about everything, if you approached life like SpongeBob!

Things you normally dread: “I’m ready, I’m ready, I’m ready.”

Things you’ve done a thousand times before: “I’m ready, I’m ready, I’m ready.”

People you’ve been meaning to get in contact with: “I’m ready, I’m ready, I’m ready.”

Projects you’ve always wanted to get a handle on: “I’m ready, I’m ready, I’m ready.”

If you’re ready, ready, ready for everything then you get the things you’re not thrilled with out of the way. You make mental and physical space for the things you really do want to do in your life. You create the relationships you want.

Ready?