How To Save Money: 3 Key Strategies To Save Money







How to save money is a key concern for many individuals and families. Learning to save money is not about buying books or software. It is not about joining programs. Saving money is about a mindset. If you have trouble saving money, then you will need to change the way you think about money.



This means that you will need to find the ways that you sabotage your own financial goals. Do you equate money with happiness or love? Many people who fall into this category spend money in order to make themselves happy or to make those they love happy. Money does not buy happiness and it does not replace love. Keep your wallet in your pocket (or pocketbook) and focus on giving of yourself and your time. Those gifts mean much more.

Do you believe that you deserve the best? Get over yourself. You do deserve food every day, but that does not mean you deserve lobster or fillet mignon. You do deserve (and need) clothing but it does not need to bear a designer label. You deserve your basic needs for food, clothing and shelter and everything above that is luxury. Just because someone else has it does not mean you deserve it.



Understanding the root cause behind your financial problems can help you greatly with the first key strategy to save money -- Think Before You Spend. This is all about evaluating needs and weighing those needs against desires. You need a winter coat, but you want that cool leather jacket. When I was a college student living in London I had a pretty strict budget. I had to pay my rent plus purchase food. But I wanted to travel too.

So I cut my food budget to the bone and sacrificed meat and rarely ate out except when traveling. My choice was to eat peanut butter so I could travel to Paris. What choices are you willing, and able, to make? It sometimes helps to put off the purchase of those "desired" items. You may find that you do not really want that leather coat enough to brown bag it for a month. And sometimes, anticipation pays off and makes you enjoy the purchase all the more.

Another key strategy for saving money is simple -- Keep Track Of Your Money. Credit cards are a wonderful convenience as are debit cards and checkbooks, but the problem is that unless you are handing over cold hard cash it is really easy to not pay attention to where your money is going and very difficult to keep track of how much you have left. You should never be shocked by your credit card bill and you should not be caught off guard by your bank balance. You may not have it down to the penny, but you should have a pretty good idea of how much money you have on hand.

Finally, the most important strategy for saving money -- Earn It Before You Burn It. This means that whether you are shopping for essentials or luxuries you know that you have the money to pay the bill. Perhaps you choose to use plastic for convenience or rewards, but before you hand over that card to the clerk you better be sure that you have the money to pay the bill when it comes due. Once you start carrying balances and paying interest on your credit cards, then you are destroying your ability to save money.

If you follow these three key strategies to save money, then you will be ahead of the game. Think before you spend, keep track of your money, and earn it before you burn it to save money.

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Can You Really Retire in Thailand On $500 Per Month?

Find Out How You Really Can Retire in Thailand On $500 Per Month?

When many people retire, they just stop working and continue to live where they currently are. This is not for me. I live in Hawaii and have been here for 23 years and love the islands, but I don't want to retire here.

The cost of living in Hawaii is not conducive to retirement living unless you have a ton of money. I have a nice nest egg, a pension coming and a military retirement, but I don't want to struggle with day to day living in Hawaii.

I prefer to live in a country where it will take about 25% of what it costs me now to live. That place is Thailand.

I have been stationed there as a soldier, participated in military exercises there, and take two or three vacations in Thailand every year. It is my personal paradise and where I will spend my golden years.

If you have ever visited Thailand and been to Bangkok, Pattaya, or Phuket, you will think I am crazy saying that you can retire in $550 per month. But, keep in mind that living in Thailand permanently is different than being there for a two or three week vacation.

During a vacation you tend to spend all of the money that you saved up over the year and have a great, blowout holiday. If you live in Thailand, you won't be going out bar-hopping and just throwing your money around like you do on vacation. Plus, if you live in a place, you tend to know the places to get the best deals and prices.

As I've gotten older and have a lady that I see in Thailand, I don't have the need to go out as much. We still go out for dinners and shopping and sight-seeing, but I spend a lot less than when I am in Pattaya on a single man's holiday.

My last trip I spent three weeks in Khon Kaen, northeast of Bangkok. My hotel room was basic and cost about 12 dollars per day. My lady would cook breakfast for me and then pick up some goodies from the local street vendors for my lunch. We would go out for dinner and have three or four plates of food, a couple of beers, and some water.

My daily expense for this was about $25. This is for meals and my room. Granted, I spent a little more when we went out shopping and I also saved a bit by drinking beer in my room instead of bar-hopping. Movies were bought at the mall for $3 and watching a movie in the room, drinking a beer, and having a pizza was cheap entertainment.

Once I retire in Thailand, I will buy a house, so the hotel bill is gone. My soon-to-be wife will be able to cook for us in the house and we won't go out for meals as much. We will still go out, but it won't be every night.

Even if you don't own a house, getting a monthly rental in a city away from the touristy areas will still be cheap. Getting by on less than $20 a day is easy unless you are out in the bars and clubs every night.

I recommend that you visit Thailand and see what this beautiful country has to offer and see if it is the right place for you to retire.

Living On A Dime - Save Money And Get Out Of Debt



Reverse Type 2 Diabetes In 10 Steps!

 

Reverse Type 2 Diabetes In 10 Steps

 

 

I was diagnosed with type one diabetes
Results from the body's failure to produce insulin, the hormone that unlocks the cells of the body, allowing glucose to enter and fuel them. It is estimated that 5-10% of Americans who are diagnosed with diabetes have type 1 diabetes.

Having type 1 diabetes increases your risk for many dangerous ramifications. Some complications of type 1 diabetes include: heart disease (cardiovascular disease), blindness (retinopathy), nerve damage (neuropathy), and kidney damage (kidney disease).

Type 2 diabetes usually occurs gradually
Results from insulin resistance (a condition in which the body fails to properly use insulin), merged with relative insulin deficiency. Most Americans who are diagnosed with diabetes have type 2 diabetes.

Having type 2 diabetes increases your risk for many dangerous ramifications. Some complications of type 2 diabetes include: heart disease (cardiovascular disease), blindness (retinopathy), nerve damage (neuropathy), and kidney damage (kidney disease). Learn more about these complications and how to cope with them.

Gestational diabetes is treatable
Gestational diabetes affects nearly 4% of all pregnant women - approximately 135,000 cases in the United States each year.

Because gestational diabetes can hurt you and your baby, you need to start treatment quickly. Treatment for gestational diabetes aims to maintain blood glucose levels equal to those of pregnant adult females who don't have gestational diabetes. Treatment for gestational diabetes always includes special meal plans and scheduled physical activity. It may also include daily blood glucose testing and insulin shots. You will need help from your doctor, nurse educator, and other members of your health care team so that your treatment for gestational diabetes can be changed as needed.

For the mother-to-be, treatment for gestational diabetes helps lower the risk of a cesarean section birth that very large babies may require. Sticking with your treatment for gestational diabetes will give you a healthy pregnancy and birth, and may help your baby avoid future poor health. (See Diabetes Symptoms)

Pre-diabetes
Pre-diabetes is a condition that occurs when a person's blood glucose levels are higher than normal but not high enough for a diagnosis of type 2 diabetes. There are 41 million Americans who have pre-diabetes, in addition to the 20.8 million with diabetes.

 

 

Explains The Real Root Causes Of Type 2 Diabetes And How To Reverse/cure The Disease, Based On A 10-step Process And The Experience Of An Ex-diabetic Engineer. Also Addresses High Blood Pressure, Cholesterol, Inflammation, And Fatigue. 



How To Profiting From Online Social Networking

 How To Profit From Social Networking..

This is the second in a series of articles we will be publishing relaying thoughts and ideas from the Internet Retailer Conference in Chicago, which occurred June 5th through June 7th. Peter Kosciewicz, Director of E-Commerce for the Eastwood Company, and Chris Saito, Senior Director, Shopping Products for Yahoo! Shopping, delivered a presentation entitled "Social Networking: The Peer Persuasion Marketing Tool."

According to Kosciewicz, the Web today has grown into an "architecture of participation" that facilitates social networking through devices such as blogs, wikis, RSS, podcast, and more. Forrester Research has published studies that show that traditional marketing is continuing to lose credibility. For example, in 2002, 78% of respondents in a survey said that ads are a good way to learn about a new product. In 2004, that number dropped to 46%. In 2002, 14% of respondents agreeing that companies generally tell the trust. As pathetic as 14% is, in 2004, it had declined even further - down to 7%. Social networking as a means of marketing overcomes this lack of consumer trust because it relies on the word of the consumer rather than the word of the producer. Research from Datamonitor reported that 85% of respondents in a survey indicated that word-of-mouth from friends, family, or colleagues is more trustworthy than corporate-generated content.

So how do you take advantage of social networking to sell more merchandise? Simple - you open yourself up. You plant the seeds of a community to grow up around your site by using devices such as blogs, customer reviews, and forums to give a voice to your customers or prospective customers. The caveat is that you must be high caliber. You must have high quality service and a high quality product. If not, avoid this marketing method.

Kosciewicz outlined four important rules for using social networking on your website:

1. Guide but don't control.
2. Never censor.
3. Don't be afraid of negative comments.
4. Don't be paranoid.

If you open up a forum on your site, but then restrict what people are allowed to say, such as removing posts that are negative toward your company or that mention your competitors, then you will do more damage than good to your reputation. Use negativity as a way to improve your business. If people are negative, look at that as feedback and act on it. Make changes, and then let your community know about it. Don't worry about your community talking about your competition. Your attitude has to be that you are the best, so why worry about it?

As a community develops around your web site, certain members will establish themselves as more influential than others. They will be more outspoken, and will be the ones who often respond to others. Cultivate these members, because they can be powerful allies. Once you have identified the more influential members of your community, inform them regularly, give them free merchandise, become their friend. Feed your influencers information, and they will distribute it for you. But do not make it appear that you are only interested in them because they can help you sell stuff. You need to be genuine.

Measuring the impact of social networking is difficult. Unlike other forms of marketing, there is no direct connect between social networking activity and sells. What you will want to do is track traffic to pages such as customer reviews, referral links, etc.

Social networking can be a powerful marketing tool, if you have a high quality product and are not afraid of an open dialogue with your customers.

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