5 Simple Ways to Lower Your Monthly Bills & Save Money

Here you’re going to learn several ways to save money every month by lowering your monthly bills. 

There are lots of ways to save money, no matter how much of it you have – or don’t have! 

Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage. 

All you need to know is where to look to find the savings. 

Several Ways To Save Money

The first thing you need to do is eliminate ALL of your unnecessary expenses:

eating out on the weekends
buying lunch at work every day
magazine and newspaper subscriptions (especially those you can get online and at the local library)
cable TV (you’d be amazed at how many other ways you’ll find to spend your time once you get rid of cable TV)
groceries (you can save lots of money with coupons and specials.) 

It’s OK to reward yourself once in a while, but if you are really looking to get out of debt faster, you owe it to yourself to save every single penny you can! 

To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. You should also call your credit card companies to see if they will lower your interest rates, even if it is only for a short time. 

You’ll be amazed at how many ways you can save money, especially once you start looking carefully at how you spend your money every month. 

Shop Around For The Lowest Prices

For those expenses you can’t eliminate, it’s time to start shopping around for the best prices. 

Once I realized you can shop around for just about ANYTHING you spend money on every month, I learned how to save myself SEVERAL HUNDRED DOLLARS each and every month! 

In fact, by shopping around I ended up saving myself more than $750 a year on car insurance alone! 

The same is true of many of your monthly expenses – like long distance telephone service, internet service, all types of insurance, mortgages, and in some places even your utility bills. 

It DOESN’T take any special skills. All it takes is a few clicks and you can save yourself a bunch of money in no time at all! 

So, if youd like to save yourself lots of money every month – and who doesnt – start shopping around and looking for ways to lower your monthly bills right away!

A Unique Way to Improve your Cognitive Abilities is to help your Kids with Homework

As a parent we want to make sure our children are doing well in school. One way to make sure is to help them with their homework. Now, you may be chuckling to yourself remembering how long ago it was that you were in school. Some of the learning styles have changed since then but the basics of the materials remains the same. By helping your kids with their homework you can improve your cognitive abilities.

At first you may feel completely out of the loop. For example your child may be taking an algebra class. There are many rules to follow for it and most of us don’t remember them. Take the time to follow the examples in the book to see what you can figure out. A great way to help your child to check their math homework is to do several of the problems on your own sheet of paper. Have your child do the same thing and then compare answers. If you find that some of them are different work those problems together to find the right answer.

English is another course where you can improve your cognitive abilities when helping your kids with homework. Do you readily recall all of those rules relating to the different parts of speech? Don’t worry if you don’t off hand because most adults will have to say that they don’t either. As you relearn this material you will be able to help your child with his or her homework. You will also be able to enhance your own skills.

When your children discover you have a vested interest in their school work they will be more motivated to complete it. They will feel confident coming to you for help with it as well. You can use that time together to bond in a way that you haven’t been able to before. Many children are intimidated to ask their teachers for help. Yet they don’t mind asking their parents.

Too often though as parents we don’t have the right information to help them learn it. By keeping on top of what your children are learning you can help them do their very best in school. At the same time you will be exercising your own brain and improving your cognitive abilities. If you have several children make sure you learn what they are doing at the various levels.

If you aren’t able to learn what you need to from your child’s school books, look around online. There are plenty of sites dedicated to helping parent’s learn such information. You can also contact the school and ask the teacher to help you if you are puzzled by certain formulas or information that your child is being asked to use for their homework.

You will be surprised by how much of the information you retain learning it this second time around. Then as your younger children move up to more advanced work you will already have the skills you need to complete it. Another benefit of all of this is that it gives you a new way to look at things. Instead of just telling your children to go do their homework you have a first hand understanding of what they need to accomplish as well as the time it takes to do it.

Different Types of Mediation Techniques for Different Environments

Meditation is basically a process of concentration for stabilizing the mind. For this purpose you must concentrate regarding the environment in which you are performing this task. These due to different reason people are very frustrated and disturbed. It is very difficult for them to concentrate on things. It will create lot of problem for them because when you are not focusing then your work and judgment both are disturbed. If you want a peace of mind then meditation is very good exercise for you. It will help you in getting your peace of mind and also creates a mental space for achieving the better quality of illusion.

Meditation has pleasant effect on some people but some people don’t like it so it will effect differently on those person. It totally depend on your mood and character of an individually when he is performing meditation. When a person is confused and he doesn’t know what he wants then he feels uncomfortable and restless. The discomfort of person also reflects through his or her work. For making yourself cool and calm and discovering yourself perform meditation. It will help you in discovering the realities of life and also help you in solving your confusion. It will enlighten your way and you will able to get the peace of your mind.

If you are thinking of discovering yourself then first of all learn how you can concentrate because focusing and concentration is key point in meditation. If you want better result from meditation then modify it according to your requirement. But before doing any modification first of all learn the tradition way of meditation. Keep practicing then you will able to modify your meditation process.

If you want be active then you must perform the meditation. Different athletes perform meditation for concentrating on skill and art when they are playing game. If they have proper peace of mind then their physical capabilities will work more properly. If you like boxing then you must do meditation for controlling your emotions and aggression. It helps you in controlling your aggression and violence by increasing you stemma. Female boxer performs meditation because they need concentration and they learn their own way of avoidance from the environment of gym by keeping their mind cool and calm.
If you are not able to concentrate when you are performing then keep on practicing at the end of the day you will get good results.

The player of basketball also performs the process of meditation for concentrating on game. When he is throwing a ball then he must concentrate on ball for excelling the sound of crowd and also for minimizing the pressure of game. The process of meditation helps him in controlling the emotions like stress and anxiety and concentrate on his game for better performance.

You can easily create your own meditation process by modifying the tradition ways of meditation. You can easily modify them according to your pattern and then with the help of imagination you will perform meditation.

The Perfect Morning Routine

One of the best ways to learn how to become more accomplished is to look at the people in life who have accomplished the most and to try and emulate them. What are the secrets to their success?

Usually you’ll find that there are many answers to this question and many things you can learn. But one of the most consistent things you’ll find is that the successful individual has a morning routine.

This is what you will do first thing in the day when you wake up. It’s the perfect time to focus on yourself before life gets in the way and it’s the perfect way to ensure your day gets off to the right start. So, what does the ideal morning routine look like? Here are some ideas to start you off…

Exercise

Working out first thing in the morning will help to get the blood circulating and will release hormones that wakes you up. If you train before breakfast, you’ll burn more calories by training in a ‘fasted state’.

Meditation

Another thing you’ll find that many very successful people do is to start their day with meditation. Meditation is a fantastic tool for combating stress and helping yourself to cope better with the challenges that life faces you with. What’s more, is that meditation can help to boost your concentration and create more grey matter to improve your reasoning skills and working memory!

Gratitude

Gratitude exercises are very valuable for being happier and more effective. The problem is that many driven people forget to stop and take stock of what they’ve already accomplished or how good their lives are already. Instead, they only ever think about the things they have yet to accomplish and what they want next.

Spend five minutes in the morning then and write down three things that you are thankful for. These can be big things or small things. But simply by focussing on them, you will feel more content and happier and your work will be more fruitful.

To-Do List

Starting the day with a to-do list is an excellent way to enhance your productivity. It’s also a very good way to avoid feeling overwhelmed by the volume of things you need to do. Make a list of all the things that you absolutely must prioritize and then the things you’ll do if you can. Split your day into segments and then just work through each job one at a time!

How to Train Your Mind & Body to Focus on What Matters

If you’re going to achieve everything you can, then you need to learn to focus and to stay motivated. It is too easy for us to think of far-reaching goals and to work toward them, only to be distracted by cat videos on YouTube or by cake in the cupboard.

The problem is that the body is designed to keep us alive first and foremost. The attention network in our brain turns our attention to immediate threats and potential rewards such as food and sweets. It is much more interested in keeping us alive as opposed to helping us write a book or run a business.

So how do you take back control?

The key is to remind your body why the things you want to do matter and to find the emotional drive that comes from that.

Work is boring and it is hard for the brain to care about. But what is not boring is having a beautiful house and all the food you could possibly want. Being popular with the opposite sex and accomplishing a feeling of status and accomplishment.

You need to connect the work to the accomplishment and the sex.

And the way you do this is with visualization.

One of the best ways to think of the brain is as a simulation machine. Our understanding of the world is based on our experiences in it and our physical sensations. We move towards things that make us feel good and away from things that make us feel bad.

But then we evolved to realize that sometimes it makes sense to move towards something that makes us feel bad – so that we can feel good later. To accomplish this, the brain creates a representation of that reality in our brain and simulates the future in order to help us work toward a distant goal.

And when you visualize that future and simulate what you expect to happen, you use areas in your brain just the same as though you were really experiencing that thing. Picture yourself eating a cake and you will almost taste the cake as the relevant areas in your brain light up.

That imagined cake is therefore just as motivating as the real cake.

The problem is that when we are writing or entering data, the divide between the action and the goal is huge. It’s hard to connect the two.

So picture in your mind why you are doing this. Connect the dots and focus on the outcome. This will create an emotional hook and it will ensure that your mind and body are unified in their objectives.