Wednesday, February 25, 2015

Live Like You're Rich When You're Not Part 2


If you haven't read Part 1, ←click this link. In Part two, we are going to discuss how you can fix a poor mentality, and additional information on budgeting.

Fixing a Poor Mentality
Fixing a poor mentality is not an overnight thing, however it can be done.

Speak positive about your finances
Stop saying negative things like "I will never have enough money to...", instead say things like "I will clear my debts, I will save enough by 2016."

Focus on the things that you have
Rather than focusing on what you don't have, be grateful for the things you do have.

Stop stressing yourself about money
Constantly worrying about money will drive you bananas. Don't shorten your lifespan stressing out about money. Yes, money is a necessity, but it can't be what you meditate on day and night.

Do something about your finances
You can't just sit there and wait for money to drop in your lap. Do something. If you're working at a dead-end job, find a better job.

Genuinely give
Have you ever heard, "Give in order to receive"? Believe it or not, this too is a mental thing. Your focus in life, should never be selfishly driven, it should always be about your love for others.When you truly believe in your heart, that it's more important to give to others than to have for yourself, God will automatically bless you with so much more. Whether it's giving your 10% tithes, donating to charity, it's always better to give.
 

How to Budget
Let's say your income is $3000 a month. Go through all your expenses for the month:
 
Rent                                      $800
Grocery                                 $300
Gas                                        $120
Car Insurance                        $250
Cable/Internet/Telephone      $110
*Emergency Fund                  $200
Tithes & Offering                  $330
Daycare                                 $360
Total                                      $2470
 
*An Emergency fund is your current monthly salary multiplied by 6. If you don't already have one, make it your goal to have one. Life is full of unexpected occurrence. You must always be prepared.

Now that you have identified your most important expenses, you will then use your balance, which in this example is $530, to save or do anything else that you might need to do for the rest of the month.
 
Saving                                   $300
Hair                                       $80
Nails                                      $30
Anything else                        $120
Final Total                             $3000
 
Budgeting Tips
✓Stick to your budget every month. Track each dollar spent.
✓If you have excess(E.g. Only spent $80 for gas instead of $120), don't spend it, save it.
✓Don't spend on things that can't be budgeted(E.g. A $1000 flat screen will put you at a minus).
 
Once you fix your financial mindset, and start to budget, I guarantee you, in the long run, you will be able to have the things you want/need, without being head-over-heels in debt. In part 3, we will talk about using your money wisely, investing, money tips..etc. Stay tune!

I hope this helps. 
Do you track every dollar that you spend? Let's have a heart to heart in the comments below.
 
 
 

Wednesday, February 18, 2015

Live Like You're Rich, When You're Not Part 1

Close your eyes and imagine, what would change in your life if you were rich? Would you send all your kids to the best private schools? Would you buy/build your dream house? Would you purchase a car in cash? Would you hire a personal trainer? Seriously, what would you do with money, if you were rich? In order to truly benefit from this post, you must read this 3 part series in it's entirety.

Now.... you're probably wondering, how in the world is it possible to live like you're rich, when in actuality you're broke or nowhere near 'rich'. I'm not here to tell you a get rich quick scheme. I'm not here to encourage getting yourself in debt for the latest designer pieces. What I am here to do is identify the reasons you're financially challenged, help you to fix it, and then help you get to a place where you can have the things you want, without having billions of dollars, or being thousands of dollars in debt for the rest of your life.

In part 1, we will identify the 2 reasons why you are financially challenged. Are you ready for the harsh truth? Here we go!

1. Having a Poor Mentality
Constantly  confessing that you're poor, broke, or don't have money  is a major part of having a poor mentality. In order to change anything in your life, you must first  change your mindset, the way you think, being able to be optimistic at all times...etc. Being poor is more of a mental thing, rather than lack of having actual cash.
 
You can have all the money in the world, but if you have a poor mentality, it will disappear in days, without you even knowing what you spent it on. The first way to fix a poor mentality, is to acknowledge the fact that you have one. Here are some things to identify whether or not you have a poor mentality, do you:
  • Constantly fixate on having more money,
  • Join pyramid schemes or do things that will supposedly get you rich quick,
  • Envy people with expensive things, because you can't afford it,
  • Spend money on things that you can't pay for, with the balance in your debit/savings account,
  • Focus on things you wish you had, rather than things you do have?

If one or more of these things are true about yourself, I'm sorry to break it to you, but your mentality needs some work. Don't worry, it can be fixed.
2. Lack of Budgeting
I can almost guarantee you, that most people that confess to be broke, poor, or financially challenged, do not budget. Budgeting is the  most important thing  you will ever do in your life financially. You should not spend money, unless it is budgeted. If you are not budgeting, you are not making the most of the cash that you do have, or will make in the future. This is why businesses have budgets, and so should you. A budget won't magically make more money appear, but overtime, the better you get at it,  you can have financial freedom and stability. However, lack of budgeting leads to:
  • Spending money unwisely and inefficiently,
  • Being unable to save money(E.g. Never saved more than $10,000 in your lifetime),
  • Having unattainable goals due to lack of money,
  • Not having an emergency fund(your current salary multiplied by six),
  • And constantly being negative about money(E.g. Saying things like, "I'll never be able to afford that.").

Now that we have identified the two reasons why you may be financially challenged, the next step is to fix it. In Part 2, I will discuss how you can fix it.

I was not always the smartest with money. I will admit,  that I had a poor mentality, and never budgeted. I made/spent so much money in my lifetime, and didn't have much to show for it. But overtime I improved, and being married  to an accountant definitely helped. So this series is to help those who were never taught how to be wiser about money.

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Are you financially challenged? What are your thoughts on this subject? Let's have a heart to heart in the comments below. :)

Peace & Love,

          ♥

Wednesday, February 11, 2015

To The Love Of My Life



I thought about doing a 'Valentine's Day gift ideas' post, but I was like.... nah. Instead I decided to dedicate this post to the love of my life. I feel most relationships are very similar. Therefore the way I feel about the love of my life, you may be feeling pretty similar. Feel free to use this poem in a card, in a text,..to let them know how you feel about them. Every relationship has it's ups and downs, but we should always be grateful when the ups triumphs. Have a Happy Valentine's Day!

To The Love of My Life

"I'm sorry for not always expressing myself correctly,
And making it seem like I'm saying the same things repeatedly.
When I sit and think of what I truly want from you,
One thing comes to mind and it's absolutely all of you.
 
I love it when all your guards are down,
that's when I see the real you without any frowns.
I love the way you look at me,
Because when you do,
I feel your love for me entirely, as I should, boo. 
 
I love how you can easily make me smile,
Especially after telling me what might've been a complete lie.
I love how you make me feel so secure,
Especially when you say things like, "I'm not going anywhere, and that's for sure.".
 
I thought about what a great husband you've been to me,
And how everything you do, you've always included me.
I know that I don't say it as much as I feel it,
But I love you so much, I must admit.
 
I know that you always have my best interest at heart,
And that you would never do anything to tear it apart.
So today I will renew our vows,
I know doing so deserves a bow.
 
But I will love and cherish you even more,
Than I did a day or even a second before.
Your great heart surpass any flaws,
If my heart was ever frozen,
For you it's forever thawed. "
 Written By S. Jennings aka HeartMamaVI


Love can make us do/think so many crazy things, but there's no greater feeling than being loved by the ones you love. Let's celebrate the loves of our life in the comments below. Tell me.....
What do you love most about the love of your life?

Peace and Love,

           ♥



Wednesday, February 4, 2015

The Best Orgasm/Sex Every time


http://www.freeimages.com/photo/741032
Ladies, why have sex without having an orgasm every single time? Faking an orgasm is as wack as crack. Ultimately the best sex is equivalent to having the best orgasm, wouldn't you agree? Valentine's Day is right around the corner, and there will be a lot of love making going on. But what's love making if both parties do not equally climax. Sex should not just be a 'good feeling'. Sex done correctly should be an out of this world, super amazing experience, every single time. I'm talking about the kind of sex that leads to the best orgasm ever! That type of orgasm that can make you scream  uncontrollably, lose control of body, gives you the shakes, might even cramp you  up, and will definitely require a cuddle nap  after. It's that good! Here are 9 tips to achieving  the best orgasm every time:

1. Relax. An orgasm won't happen unless you're completely relaxed. Your mind needs to be in the present. Clearing your mind about work, how angry your friend made you, worrying about your report that's due...etc., having these things on your mind will lead to an orgasm-less sex experience. And according to statistics, there's a lot of that going around. So relax, think of nothing more than your partner and his body.

2. Deep kiss. No pecks allowed, but having extra fresh breath  is definitely a requirement. You can only imagine how wrong this can go if your breath smells like garlic bread, right? The key is to stimulate your partners tongue & lips with your tongue & lips, slowly and passionately. This oral stimulation also stimulates the rest of his body.

3.Lubrication. They invented lubrication for a reason you know, it's not only for those days that you want to skip the four play and head straight to the good stuff. Along with your natural secretion, additional lubrication intensifies the pleasure. Use the lubrication for the genitals, his hands, and/or your hands. ! Which leads me to...

4. Stimulation. No toy is necessary, when you have a man's hand/tongue that is readily available and is absolutely free. Make sure his hand is well lubricated though, because there is nothing worse than a dry hand rubbing a sensitive part of your body. Well actually there are worse things, but you know what I mean. Have him start of slowly. Much like a penis, the clitoris( ←click here to find more info on clitoris stimulation) can be erected. Once erected, based on your level of comfort, he can increase in speed/pressure without any discomfort.

5.The right position. There are lots of positions out there to explore, find the ones that work for you. Everyone's body is different, so what might feel good to me, won't necessarily feel good to you. Invest in a Kamasutra, or search online for hundreds of sex positions. 

6. Take Charge. Unlike men, climaxing for a woman is not as easy, but at the end of the day, we(women), control whether or not we have an orgasm.Your husband can't read your mind, therefore you have to let him know  what feels okay, extremely good, bad, or out of this world awesome. Never lie to him and fake an orgasm, your satisfaction is just as important as his. Once he learns your likes/dislikes, it will be like a recipe that he can always use, and after a while he won't need the exact measurements or the instructions.

The combination of these 6 things will get you the best orgasm every time. Sex isn't complicated, neither should it be a chore that you have to get out the way. If you're going to do it, do it right. And do it right every single time. I hope this helps.

What are your thoughts? Let's have a heart to heart in the comments below.

Peace and Love.

          ♥