How to Plan Your Personal Budget

If you are reading this, you’re probably searching for a way to have control of your finances. Preparing and committing to a monthly budget has always been one of the best ways to do this. A sound budget is a fundamental tool for managing money, one that has allowed me to survive even on limited funds. One of the most critical things that I do every month is managing my monthly budget, and it has allowed me to systematically meet all expenditures, grow my savings, and reduce debt.

I usually plan my budget for the coming month close to the end of the month. This will prepare me of what’s down the road. It’s not a good idea to produce a budget after getting paid because, too often, that flush feeling of having a paycheck results to nonessential and impulsive spending before the paycheck ever reaches the bank.

Managing my personal budget involves listing all the things that must be paid that month like mortgage/rent, utility bills, and other essentials like insurance, car loan repayment, transportation costs, and phone. These are the things I must pay to keep a adequate roof over my head and carry on earning money. I like to pad these necessities to create “money back” after paying the bills and, if costs increase unexpectedly, I’m always covered.

Next, my budget is subjected to a list of discretionary things I need to cover but could live without if absolutely needed. An example are monthly savings deposits, credit card repayments and donations. These things are also important, but in instance of emergency I could put them off for a short time. By paying credit card companies the maximum instead of the minimum, I keep my credit score high and my debt low.

My budget will not include the cost of living such as food and entertainment. These items get covered by what’s left over and that’s that. Some months involve lots of beans and rice, slow-cooker meals, free or cheap entertainment, and only one inexpensive piece of clothing . This strategy of handling my monthly budget has worked out very well over the long term as long as I observe it religiously.

The Hair Loss Treatment that Helped Me

Never in my life-time would I have believed that I would suffer from hair loss. I was stunned to find out that my hairline was receding shortly before my thirtieth birthday. It was hard to believe that I was losing my hair. I was also starting to lose hair on the back of my head.

It was the first time in my life I felt that age has eventually caught up. I felt like the best years of my life were behind me. I even stopped seeing girls. My love life was nearly non-existent. There was one girl I had been seeing casually and even though I liked her, I just stopped returning her phone calls. I realised that I hadn’t found the woman of my dreams with a full head of hair so there was no way I was going to find somebody with my growing bald spot. I was too dismayed to even try having a loving relationship.

Hair loss taken a toll on me tremendously, it changed me from a confident person to a dismayed loner. I was assured to get the problem fixed and begun looking for a resolution. I started researching several hair loss treatments that are obtainable in the counter. Nothing that I bought from the pharmacy worked and trust me, I tried them all. After many failures, I decided to stop trying for a while. It was a real low point in my life. I even stopped going out with my friends, I was so lonely.

Fortunately, one night a friend dragged me out of the house for a few beverages. Throughout the night, he noticed was I looked a little down. It took him a little while to figure out why. He told me about the hair loss studio in the city. My friend had gone there for hair loss treatments and had been impressed with the results. I was even more impressed. My friend had a full head of hair and there was no sign of hair loss. He made me promise to give them a shot and I agreed.

I could not have been happier with the hair loss studio recommended to me. Only after a few treatments, I had a full head of hair again. The results were outstanding, they did not just give me my hair back but also my confidence.

How I Regained My Hair

My hair loss treatment journey started the day I started to notice my receding hair line and my bald spot getting bigger. The most apparent thing to do was to find ways to comb my hair to cover my bald spot. I started wearing more hats on the weekends as I went out with my wife, acquaintances or family. Walking in to work every morning without my hat was an unpleasant experience. Your mind will do that to you when you are experiencing hair loss. It is so true that you never know what you have until you lose it. That can be true about your hair loss.

Having suffered from balding, I started to treasure every strand of hair that I had left. It was as if with each individual hair I lost, so was a small percent of my self-confidence gone as well. A mate of mine had been suffering the same problem as me. I observed lately that he seemed so much more relaxed and it looks as though his hair was growing back. I didn’t wanted to bring it up but after a while I decided to ask. It was then that he told me about Advanced Hair Studio. My friend Josh told me that he had only had a few treatments and has already started to see some positive results, he not only regrown his hair, but his self-confidence as well. After seeing what Josh has achieved from Advanced Hair, I decided to pay them a visit.

At first, I was a little skeptical. Results were obvious within a few weeks. Not only on my scalp, but in my behaviour. I started to lose the caps on the weekends and I quickly began to feel better about myself. My wife has also pointed out a change in my day to day behavior as well. It is amazing how just a few trips to the Advanced Hair Studio had begun to change my life as a whole. I have always been shy about people noticing my bald spot. Now, I am not frightened to look people in the eyes again as I have my full set of hair back.

Advance Hair Studio has not only given me back a full set of hair, but a big part of my confidence as well. If you are going through hair loss I highly recommend them as it has done so much for me in just a few months of treatments. Don’t let your self-assurance continue to be lost with your hair.

How Hair Loss Can Affect One’s Self-Confidence

Rarely do we witness teens & young adults at their early 20’s with spots of hair missing from their heads. The greater part of hair loss in men takes place in their 30’s & forties even though it isn’t unusual from men in their late twenties to lose hair as well. The thought of aging is cringed throughout today’s society. Where aging was once a symbol of awareness and insight, it is currently generally looked upon as if the elder you get, the more uninteresting one turn out. All that is without doubt not TRUE in most cases. Nevertheless, since this is how the media & modern society illustrate middle aged men and women, and losing hair is a symbol of getting elder, it is no doubt that hair loss may affect someone’s confidence.

TV shows often portray middle aged men with hair loss as the individuals most unlikely to succeed with scoring dates, or being happy in general. The character George Costanza in NBC’s hit TV show, Seinfeld, is the classic instance of this. Costanza was in his late thirties & suffered exemplar male pattern hair loss. He quite often referred to his hair loss as one of his largest reasons for never before succeeding at just about everything in life. Men & women alike both enjoy a tendency to feel self conscious, particularly when it comes to the opposing sex. In our culture, a full, luscious, head of hair is acknowledged to be charming, and make someone show up more youthful & healthy.

Current technology is most useful in restoring hair loss. Advanced hair treatments are attainable to restore your hair and make it look effectively natural as if you had never lost any hair to begin with. It is not necessary in this era and age to have to settle with hair loss. A person’s quality of life does not have to be altered with low confidence when there are so countless advanced hair restoration treatments to choose from. Whether a prescriptive drug, modern therapy, follicle transplants, or laser therapy, there are countless options that should fit many budgets.

Hair loss treatments are now extraordinarily popular and tried by both men and female. Individuals have lost their hair due to illness and have found it is never to grow back can occasionally benefit from advanced scalp treatments. Even if you are not entirely losing hair, but have a receding hair line or their hair is thinning, they may benefit from an array of hair loss remedy. The days of depending on fake looking wigs & spray on hair are bygone. With so many choices of various hair loss therapy, you no longer have to live life feeling any less confident than they did in your early 20’s.

Do You Want a Date or a Mate?

If you suppose you know everything there is to know about being a single girl, you should re-think it.

Not in a million years can we figure out ourselves never mind trying to figure, or control, another person. This is true particularly in the case of our men.

Wife or Mother?

Women have an built-in, and sometimes negative, inclination to want to help others. It doesn’t matter whether it’s to match our standards or merely to practice our parenting skills, we frequently cross the line between being a married woman and being a mom. Being a wife does require mothering (as in nurturing skills); in fact, they bank on comparable instincts. A married woman, however, has to know when to draw the line on mothering, or should we say smothering, and to be the admirer and devotee her hubby demands.

A man needs a strong woman at his side if he is going to fulfill his destiny, but a woman also has to realize that she needs her man to cover and protect her if she is going to fulfill hers.

Are you ready to make the leap from dating to waiting, but not sure what to do next? You need to start with Single Girl’s Guide #1: How to Become a Wife…Even if You’re Still Single. Learn at least 10 things you can do while you’re waiting.

Motivational Sayings – Ten Great Ones

Why read motivational sayings? For motivation! You might need a bit, if you can use last year’s list of goals this year because it’s as good as new. All of us can benefit from inspirational thoughts, so here are ten great ones.

“Be more concerned with your character than with your reputation. Your character is what you really are while your reputation is merely what others think you are.” – Dale Carnegie

“Do not wait; the time will never be ‘just right.’ Start where you stand, and work with whatever tools you may have at your command, and better tools will be found as you go along.” – Napoleon Hill

“What lies behind us and what lies before us are tiny matters compared to what lies within us.” – Ralph Waldo Emerson

“Some men see things as they are and say, “Why?” I dream of things that never were and say, “Why not?” – George Bernard Shaw

“A small trouble is like a pebble. Hold it too close to your eye and it fills the whole world and puts everything out of focus. Hold it at a proper distance and it can be examined and properly classified. Throw it at your feet and it can be seen in its true setting, just one more tiny bump on the pathway of life.” – Celia Luce

“Though no one can go back and make a brand new start, anyone can start from now and make a brand new ending.” – Carl Bard

“I’m not telling you it is going to be easy – I’m telling you it’s going to be worth it” – Art Williams

Motivational Sayings – Attitude

Attitude “There is little difference in people, but that little difference makes a big difference. The little difference is attitude. The big difference is whether it is positive or negative.” – W. Clement Stone

“Nothing on earth can stop the man with the right mental attitude from achieving his goal; nothing on earth can help the man with the wrong mental attitude.” – Thomas Jefferson

“A person cannot directly choose his circumstances, but he can choose his thoughts, and so indirectly, yet surely, shape his circumstances.” – James Allen

“Man often becomes what he believes himself to be. If I keep on saying to myself that I cannot do a certain thing, it is possible that I may end by really becoming incapable of doing it. On the contrary, if I have the belief that I can do it, I shall surely acquire the capacity to do it even if I may not have it at the beginning.” – Mohandas Karamchand (Mahatma) Gandhi

These are quotes that mean something to me. Hopefully one or two of them are also inspiring to you. If not, maybe they will motivate you to create your own motivational sayings.

Steve Gillman has been studying brainpower and related topics for years. For more on a Better Life Through Brain Power, and to get the Brain Power Newsletter and other free gifts, visit: www.IncreaseBrainPower.com

Creativity and Society

What is creativity? Have you ever heard someone say that person is creative? Do we really understand what a creative person is? Some of those we call creative do not see themselves as creative? Others we do not see as creative may actually be? We do not consider people who are smart creative, yet someone who is creative could also theoretically be a smart individual. But somehow the society norm has mixed the definitions somewhat? Someone who is smart uses their knowledge to solve problems is often considered a creative problem solver but not particularly creative. If they solve a very important problem, we often elevate them to the brilliant status. Creative is reserved for lesser in the minds of society for some reason?

Someone who is creative can be considered to be a dreamer or artist of some type. Often a person we label as creative is merely a person we do not understand or who lives an alternative lifestyle to the social norm or perhaps is somewhat off in our perceptions of what people should be like. Creative people or those we call creative are not necessarily the people we call doers or achievers, not because they are not achievers, but rather because they are not blazing the trail to be awarded with items of acceptance. Such things are simply not important to them. Yet creative people often are doing something and pursuing it with greater vigor than the rest of us, as they are doing it for themselves and in doing so are more fulfilled than the rest of us. That would appear to be a smart way to live.

It is interesting that we do not always consider creative people smart, yet we know those who are musically inclined are smart or they would not be able to what they do. In fact artists are often much smarter than the rest of us. Those famous artists in our past periods whether it sculpture, painting or symphony are always called brilliant or geniuses, but never merely smart.

Many believe that being smart is someone who has one, two, maybe three areas of knowledge memorized or a few piece of paper stating so and can tell you anything about those subjects. This of course is our societal definition of a smart human. We are told education makes us smart but even Calvin Coolidge warns us of educated derelicts.

The creative problem solver or the sculptor who turns nothing into something, that is not only a creative person, fore that person is all of these things; creative, smart, brilliant and a genius? Yet we in the Western World are so quick to label each person, as we thrust him or her into a definitional category and right or wrong we reduce their value to the whole in doing so. I wonder why we do that? Maybe you are a creative person and you can tell us; think on it.

“Lance Winslow” – Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

***Inspiration and Motivation will Overcome Anything***

I have a heart warming success story. You all know how I believe that we can succeed in what we do if we decide to do it and ‘take action’. Each week when I write the bulletin I have to take action and sometimes there is no inspiration. So what do I do? I take action, look for inspiration and think what I can write. I get my inspiration from newspapers, journals and conversations etc. It seems when my brain is alerted to the need something comes to me.

My inspiration has just arrived, as it always does. This time by reading an article in my local paper. This is a true article about a young man called Mark. Mark has for most of his life worked at jobs in the manual trade. Recently he suffered a bout of ill health that prevented him from working. He was advised that he may never work again.

He spent some time talking with local information and advice workers and they jointly came up with a plan of action.

Reading and writing are a struggle for Mark because he is dyslexic. So he decided to ‘get to grips with using computers’. He successfully completed courses in word processing and spread sheets. In his spare time he did a First Aid and Health and Safety course.

Now it gets more inspirational.

Here is a young man taking action to improve himself after being told he may never work again. In the process of completing his studies he was so helpful to other students that it was suggested he might like to take a qualification in teaching adults. Which he did and passed.

It gets better!

Mark’s confidence and self esteem is now such that he is employed by THREE organisations. One as a ‘learning support worker’, one as a ‘learning assistant’ at a junior school, and also as a ‘community Information Technology tutor’.

I am moved by this true story because it shows yet again what the human spirit can achieve if we let it. By his positive action Mark has created a future for himself and he is helping others in the process. Truly inspirational!

Tip: Those who ‘get there’ do so through their own achievements, not through their dreams.

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Tips for a happy life

To firmly believe we have the power and deserve to lead a happy life: that’s the motto of this article.