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Posted: 8/14/2007 at 08:39Read 218 times | 0 comments | Leave Comment 
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Posted: 8/14/2007 at 04:48Read 168 times | 0 comments | Leave Comment 
Advice For People Who Often Stress About Money
Money or the lack of it, can cause many people a great deal of stress. People often play mind games with themselves by worrying about certain situations. How will I be able to pay if my car breaks down? How will I cope if I lose my job? In this article, I give money management advice to help people to de-stress about their financial position and future.

Worrying about money is especially true for people who are self-employed. They worry about what might happen if business becomes slow and fear that they will not be able to their mortgage etc. Most businesses go through peaks and troughs and it is of course during the lean times when people start to stress. Even though the peaks are possibly just around the corner it becomes very hard to positive.

In this situation I would advise people who are self-employed to build up a financial safety net. This money can be saved when they are having a good period and can then be spent when things are not going so well. How will I pay for the mortgage if business falls? Answer, by the money you have saved up, so calm down, you will be fine.

The periods when business is slow can be used to re-charge the batteries and can also be used to think up fresh ideas, of the direction you want the business to go in.

For all people it is important to know how much money is likely to be coming in per month and how much money is likely to be going out. In business this is not all that easy to do, however in family life it should not be too difficult to predict.

If the amount that is seemingly going out is more than what is likely to be coming in, we then need to look at what we are spending. This next idea might seem a little sad but can actually be quite fun. I would advise people to keep a record during one month, of everything they spend. It is not as hard as it may sound and will give you an insight on how much money you actually waste.

For example, how many people are members of a gym, but never actually go there? How much money do you spend on take-away food per month? Do you always need to use the car, is it not possible to walk a little more often, therefore saving on petrol costs? How much money do you spend on cigarettes? Do you really need the latest flat screen television?

During the good times we can afford to waste money, however if you are worrying about money, it is time to tighten your belt.

I myself try to save a certain amount of money per month and invest it in a unit trust. Over time the fund value builds up and if I ever need a lump sum for example, car repairs, I just cash in some of the units. I also allow myself to take out a certain amount of money at the start of each year. This helps me to pay for my car insurance, road tax and to book a family holiday. This has been working well for me for the last five years and is something I plan to continue.

It is always worth planning for the future in this way, not just to cover you if your car breaks down but also for many other reasons. You may want to build up a little nest egg to:

pay for your daughters potential wedding
buy the car of your dreams
have the holiday of a lifetime
buy a house
re-locate abroad
buy a business
for your retirement
help fund your childrens university fees

I am now aware of how much money I am likely to spend per month. I like to have treats and waste money as much as the next man. I am more than happy when money is tight to give up these treats and see it as a battle of wills.

I hope you have found this article interesting and of use.
_________________
Posted: 8/12/2007 at 08:07Read 88 times | 0 comments | Leave Comment 
Why do you like chatting online?
I liking chatting online for pleasure,I meet many nice people.And they give me a lot of advice about the problems
in my life.So I made many friends online.I have fun chatting online
Posted: 8/12/2007 at 07:08Read 105 times | 0 comments | Leave Comment 
Do you liking chatting online?

In China,we chat online using QQ.You can meet millions of
people when you chatting online. Some of them are friendly,but some are not.So sometimes I liking chatting online,sonetimes I don't.What's your idea about Chatttng online?

Posted: 8/12/2007 at 06:57Read 113 times | 0 comments | Leave Comment 
How often do you read to your children?
I've been reading to my daughter every night. Sometimes I read her books that I'm reading, and sometime I read her his only story books. She really likes it.

Do you think reading to your child really helps them or not?
Posted: 8/11/2007 at 21:57Read 81 times | 0 comments | Leave Comment 
Do your decision is the best for your children?
Our decisions need to be based on what is in the highest good of our children as well as ourselves. If a child wants something that is not in our highest good to give, then it is not loving to give it. If we want something that is not in the highest good of our children, then it is not loving for us to expect it. It is loving to support our children¡¯s freedom to choose what they want and to be themselves, as long as it doesn¡¯t mean giving ourselves up. Children do not learn responsible behavior toward others when their parents discount their own needs and feelings to support what their children want. Our own freedom to choose what we want and to be ourselves needs to be just as important to us as our children¡¯s freedom and desires
Posted: 8/11/2007 at 21:54Read 49 times | 0 comments | Leave Comment 
Do you a good parent to your child?
i try really hard to give my kids what they need, .Though I have,I still spent much time playing with my daughter,when I became a mother I had no clue, because my mother sucks and didn't teach me a dang thing so I made a lot of mistakes that I now have learned from and am trying to be a good mom to my kid now
Posted: 8/11/2007 at 21:47Read 37 times | 0 comments | Leave Comment 
welcome here!

hello,everyone! I'm  happy  I  can be a member of   yuwie.  I 'm   so happy! I  hope  I can  make many friends and  share my ideas with my friends here.

Sorry, there should be some introduction.

I was born in shandong, China!. They  all call me  xue  (It means snow in English)Do you  want to  learn  something about China,maybe I can help you!

God bless you!

I  have other  good  place to share your  ideas! You can discuss  all kinds of  topics!   And you can get some money for your posts! If you  are interested in it!

please register   http://www.mylot.com/?ref=kariter

In the blog,I'll tell my true story! I'll tell you why I want to make  much money! The reason is that I have to. I have no  choice! !

Posted: 8/8/2007 at 22:21Read 60 times | 1 comment | Leave Comment 
  xue 
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Last Login: 8/2/2009

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