I'm quite busy since last week, moving work place and some new responsibilities. I will write more tips when I've the time. Let takes some time to get to know what kind of attitude you MUST have towards MONEY.

A healthy attitude toward money will set you free.

Our interaction with money is one of the most important yet complex relationships in our lives. If our money dynamic is balanced and positive, it adds to our overall level of health and happiness. If we build a negative relationship with the dollar bill, it's reflected in our thoughts, feelings and actions. Many people Worry about the amount of wealth in their lives, yet fearful thoughts actually push prosperity away, depleting our creative energies and inhibiting our ability to make smart choices. As a result, we are not only consumed by a sense of material impoverishment but spiritual poverty as well.


Conversely, when we're feeling confident and grateful for what we have, we attract money-making opportunities to us. People prefer to do business with those with an upbeat outlook rather than those who project nervousness and expect little from their efforts.
How can we develop a healthy relationship with money? By not buying things that camouflage our deepest desires. Examine your checkbook. Does it reflect your values and long-term goals or a life of constant distraction? While a new outfit or gleaming gadget can make us feel good for a few moments, it can't give our lives a lasting sense of purpose. To develop a nourishing money dynamic, we need to devote our dollars to what will make us happy in the long run--a bigger TV will never make up for a demoralizing job but adult education classes might.


To get clear on how to use money wisely, first ask yourself, "What will really contribute to my long-term satisfaction?" This question will bring your spending patterns--of time and money--into sharp focus. Additionally, write down five things that would bring you a sense if this were your final year of life. Perhaps you'd want to travel, visit loved ones, write songs or help someone in need. When you spend money on things that promote a rich experience of love, creative expression and personal growth, you are spending healthfully.


By contemplating what would boost your sense of well-being, you may realize you really don't require any more money than you already have. Sometimes a simple change in attitude is all that is needed to feel good about your life. People often think, "If only I could get a promotion or a new car, I'd be happy." Yet, most of us live better than kings did just 100 years ago. To further yourself a second question: "What do I feel grateful for in my life?" Take a couple of minutes right now to feel thankful for all you have--and you will feel instantly wealthy. As you dwell on the bounty of your life, and as you spend money on what brings you enduring satisfaction, you'll experience what true wealth is and the joy it brings.

Jonathan Robinson is the author of Real Wealth: A Spiritual Approach to Money and Work (Hay House, 1998) and Shortcuts to Bliss: The 50 Best Ways to Improve Relationships, Connect with Spirit, and Make Your Dreams Come True (Conari Press, 1998).

I 've read an article about credit card debt and I would like to share it with you. The article is written by Karolina Linares. She is an inspiring author with a message of her own struggles and finally winning the battle with credit card debt.


Something Different About Credit Card Debt


There is a major crisis with people falling into large credit card debt. Rather than going through the numbers, the statistics and ratios, to help you get a realistic view of your debt situation, this will give you a different perspective. On any article site, e-zine, printed newspaper or magazine, there are literary millions of write-ups about the condition of our national debt problem. We see TV reports and talkshows about this ever-growing problem. There are millions of tips about everything from debt consolidation, refinancing, and personal debt relief to the all important CREDIT SCORE. Now, here is a new and different mode of thinking. If you have credit card debt so extensive, that other financial problems have occurred in your life, why does the credit score really matter at this point? It’s really a low priority in the large scheme of more important life changes you need to start looking at making. If you already own a house, have a job and are to the point where you can’t make ends meet, that credit score will not help you now. So trying to repair it right away or keep it from getting worse is the least of your worries. If you are renting, now is the time to chalk your credit card debt up as a major life learning experience and start to change your attitude about the debt, to pave a healthy road towards future financial goals as well.
It boils down to this, and reading every technicality about how to get out of debt, what will happen if you do A or B, will not solve the physical, mental and emotional turmoil that got you into debt in the first place. This is a task that will require a whole lot more dedication, than reading every source of information on the internet. There are not a lot of articles that deeply cover the changes you will have to make and the majority of them make it all sound so easy. It’s not easy to break free from using credit cards unwisely when it’s a bad habit. It didn’t start out this way, but slowly it got out of hand, because after the bills started piling up and a few unexpected life emegencies happened, you became stuck. Stuck in vicious cycle and this is now the most important part of breaking that credit card habit. Some of the consequences are inevitable and can only be helped as time goes on, with your first decision to stop the cycle. Yes, it’s important to get help or advice if you have been subject to debt collection agencies. Find out what your rights are by gaining wisdom from those who have experienced it.
People who are in debt are not happy with tendencies towards depression, stress and anxiety. They may start to incur physical health problems as a result. In turn medical care, especially with no insurance plan, causes more bills with added worry and stress. How will it all get paid? This is living a life, where falling apart financially has snowballed into physical, mental and emotional anguish. These three components are the core of your debt problem. There is definitely not enough focus on this aspect of it. Making a plan in your everyday to life start from there can and does actually help.
There is a way to get a healthy balance of becoming debt free, learning wise budgeting skills, healthy spending and saving habits in order to become a whole and happy person. If this is where you need to start, the truth is that is not a quick, easy road. It may take more determination and discipline that you’ve ever put forth into anything. It will take sacrifice, with a realistic knowledge that it’s only temporary. Instant gratification, will need to be left behind hundred percent and the things you were always used to or liked may have to be given up. It’s worth it for your goal of paying off those credit card debts, while still maintaining the bills of your survivial in our culture. To avoid it or to try an easy way out, will only cause more pain and turmoil in the long run, while trying to make ends meet.
When you succeed and start to see the end of the tunnel with your debts, the world will open up to you with a new found freedom, that’s more important than physical property, looking good on the outside and keeping up with the “Joneses”. There will be a sense of peace and new maturity that will drive you to become proactive, not just with your finances but with many other areas in your life. This is the way happy people operate and you can obtain this goal. Happiness and freedom in life are virtues that need constant but well worth up keep.

Frugal Tips 3 : DIY (DO IT YOURSELF)


A frugal person prefer to remake, repair and renew everything by themselves in order to use the item for a long period without spend a penny on it. This is a frugal lifestyle. They will try to repair or even patches as long they don’t have to buy or call for service. They will keep junk stuff like used wires, cardboard, tape, bubble gum and others so that they can use it to fix thing.

One of the simple DIY like patched the leak with bubble gum where the pressure is little. One of the best examples was my frugal friend who learnt and does cleaning the engine oil. He used a long rubber and a plastic jug. He managed to save more than $30 for the mechanic job. In one year he managed to save more than $150 for engine oil.

Actually, there are a lot of things you can fix it if you know how to do it. Try to get some tips or manual from internet to help you. Or, you can get the manual or book from the library. Maybe your friends and relatives who does the job can guide you. When you broke something, try to fine alternatives to fix it from your surrounding. Try to be like Mc gyver who always can get out from trouble by fixing. You may suprised and amazed that you actualy can save a lot of money simply by DIY .