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!

What to Do When Nothing is Working Out For You

If you are one of those people for whom things are just not going the way they want …. if you think that things work out wonderfully well for everyone else BUT you, then you should sit back, relax and ponder upon your situation in this light:

We have all been brought up “in comparison” to others. There is an ideal time to go to school, finish college, get married, make money, have children etc and then everything HAS to repeat itself the same way for our children and so on!

If we are ever “behind” anyone (or everyone) in achieving a certain goal, a lot of anxiety and despair comes rushing into our lives. We then desperately try all kinds of things to get to that goal, all the while worrying that it will not happen for us…and what is the result? It actually doesn’t! The more you despair for something, the more of these “wanting” vibrations will be released into the Universe and you will end up with more of “wanting” and no “gaining”.

I want you to remember that it is always a BIG mistake to judge your life by comparing it with others. Your circumstances are completely different from them…. plans and things that work for them cannot work in exactly the same way for you. By worrying about why things are not working out for you in the same way, you CREATE a reality for that time; that those things or plans are not working for you. It is all because you are defining your reality by comparing it with someone else. Some one else’s reality does not have anything to do with your reality.

Here is a better way of thinking and putting things in perspective: First and foremost, realise completely how you have acqired this state of mind. Accept that you have been comparing your reality with others and that is not taking you anywhere… they have a completely different path in life than yours. Love yourself the way you are, love your circumstances and accept that things at present are exactly as they should be. Also, allow yourself to believe that you WILL succeed although not in EXACTLY the same way that you want to. Perhaps God/Universe/Spirit wants to take you through a different path, but you WILL get there. Trust that although things may or may not turn out to be the way that you want them to, they WILL turn out in a way that is best for you. You have to be relaxed and non-judgemental for things to start working in the direction of your success. Set your OWN definitions of success, and do not base your happiness on how everything is working out for others.

Take action, but do not struggle to control each and every event in your life. Try to do all that you can to make things right and then trust in God/Universe/Spirit to take you to your goal. You will be happier, more secure and will have peace and love in your heart and best of all, eventually things will start going your way.

Using the Law of Attraction with Goals

Many people think there is a conflict between the Law of Attraction, as taught in “The Secret” and goal-setting. The belief that you should let the Universe decide how to bring you your goal seems to conflict with planning your goal strategy. However, these two approaches are compatible. Let me explain.

A great majority of people believe that it is wrong to be too specific when they set goals. After viewing films like The Secret, which is wonderful and enlightening, some people have the false belief that being specific is the wrong approach. Many teachers in this movie guide you towards allowing the Universe to decide how you get what you want. So if we follow this approach how does setting a goal, complete with a plan for its attainment, fit into this attraction process? 

Well, anyone who has achieved an objective through traditional goal-setting methods is well aware that including specific details is the key to its attainment. They fully realize that being as specific as you can increases the likelihood of achieving your goal. These specifics should include completion date, a plan to follow that will lead to the achievement of the goal, stepping stone goals and highly specific details of the goal itself. For example, you may set a goal to have an increase in turn-over of $10,000 by the end of the quarter. You immediately devise a plan to increase sales and begin to build your goal steps by setting smaller goals that will lead to bigger goals that will lead to the attainment of your desired outcome. So how does this fit into The Universe knows the best way approach offered by most law of attraction experts? 

Well its really very simple. When these teachers talk of not getting caught up in the specifics they do not mean the goal itself. They are referring to the delivery method of the goal. The Law of Attraction is always responding to your personal vibration. Your vibration is affected by what you think and how you feel. So if you get specific in your goal and even set time-limits for specific tasks then the Law of Attraction is responding to those thoughts and the feelings associated with them. By staying focused on the specifics your desired outcome and feeling very positive emotions about it and the attainment of it, you are adding tremendous power to the workings of the Law of Attraction. As long as you dont feel negative about your goal, or the plan you have devised, goal-setting like this can be very powerful.

However, if you set your aims too high, or make your goals unrealistic, then the Law of Attraction will work against you! You feel overwhelmed, doubtful and stressed. The Law will respond to this and your attraction vibration will be the opposite of what you want. By over-stretching yourself you will get negative thoughts and feelings about your goal. But by setting realistic goals, that do still stretch you, you can fully utilize the Law of Attraction to your advantage.

One key element of the Law of Attraction is that you always get more of what you focus on. Placing your attention on certain things consistently makes them grow and expand. So, by setting goals and working a plan to achieve it you are actually focusing your energy, thoughts and emotions towards that of the desired objective. By having set time-limits for the achievement of each step of your goal and the goal itself your thoughts, energy and feelings are also focused in that direction. Thus you are following one of the fundamental rules of the Law of Attraction what you put our attention on expands. However, dont get caught up on the one channel of distribution. Be open to the universe bringing you your goal any way it sees fit! You can still be specific about your plan but remain flexible and look for other opportunities. 

The key is to always remain focused on the goal itself and not on the lack of it! You must also ensure you do not get frustrated if it appears that you may not reach your goal in the time-limit you specified. These are draw-backs of goal-setting as far as the Law of Attraction is concerned. However, they can be over-come.
Set realistic easily managed goals at first. Once you become proficient at goal-achievement you can start to stretch yourself a little more each time. As you begin to see overwhelming evidence that the Law of Attraction exists and that it is working in your favour you will be able to set you goals higher and bigger until there is nothing you cannot achieve. 

Remember that when you reach for a goal to generate as much positive thoughts and feelings you can as they will ad power to your efforts through the Law of Attraction thus attracting more and more things to you that will get you closer and closer to your objective, until finally it falls in your lap!

5 Tips On How To Build Self Confidence Today

There are very few people who could call themselves perfect and be right. Most of us need to build self confidence today, but the majority just either ignore the issues or concentrate on the negatives: stress, worry, jobs, money problems and relationship issues. Concentrating on these areas drains our self confidence rather than improving it.

If you could improve your self confidence you could make more money, look and feel better physically, or just be more relaxed with other people. Below there are five simple techniques that have been proved to help build self confidence today.

1. Talk to yourself. It sounds crazy but it works. All of us have a running monologue constantly in our heads, whether we realize it or not. Everything we see, hear, or touch sparks off an immediate dialog in our thoughts. 

For those who lack confidence this monologue is filled with negative messages many of which are the negative side of adverts from television, radio, advertisement boardings, newspapers, and just overhearing other people talk.

These negative thoughts literally suck energy from our minds and bodies and block the flow of positive messages. We need to hear the positive messages as they will build self confidence today and raise our self esteem. Take control. Use your inner thoughts to talk to yourself in a positive manner, as often as you can. 

As an example one of my regular sayings is “I like myself, I like myself, I like myself”. I just repeat it for a couple of minutes. It sounds cheesy, but does build self confidence today Try it. I bet that if you go to the mirror right now and repeat out loud “I like myself!” 50 times, it will be impossible to keep from smiling.

2. Dress as smartly and as classily as you can. You wont feel at your best if you don’t look your best. You will be amazed at just how much more confidence you will have just looking your best. It just feels good when you are wearing your best clothes, are well groomed, and are surrounded by a clean environment. So what if it is Saturday, you need to build self confidence today not next week. Put on your nice clothes, get the car washed, style that hair! A hairdresser once told me “Everyday is show time!”

3. Increase your self esteem even more by giving thanks to what you are, how you look, and what you are doing. Say “thank you” to yourself to everything you see, all whom you meet, and each smile that you receive. 

4. Stand or sit correctly: How you stand sends out a message to the World, and in turn, back to you. This results in improving how you feel about yourself and will build self confidence today and every day.

There is scientific evidence that shows how posture affects our mood. Do not slouch. Slouching produces a down mood. By slouching you are telling the world and yourself it doesn’t matter, you don’t matter. Standing tall and upright will actually lift your mood. Help build up your confidence by pulling back those shoulders, stop that slouch, and walk proud. 

5. Smile. Just smile and things seem better somehow. Practice smiling regularly and get your facial muscles used to the physical act of smiling.

Go to the mirror and smile. Not a grimace, but a proper smile. If you don’t think you can try this:

1)Open your eyes as wide as you can (try and get your eyebrows right up to you hair line)


2)Slightly open your mouth


3)Pull the corners of your mouth back towards your ears (If your not sure pull them back with your fingers so you know what it feels like then try again without your fingers).


4)Repeat 50 times. Get your facial muscles used to smiling and you will smile more and encourage smiles from others. This will make you feel happier and with that you’ll build self confidence today.

Losing Weight One Pound at a Time!

Photo by Andres Ayrton on Pexels.com

Over two-thirds of American adults are overweight or obese. Thats quite a high percentage of adults who have a need to shed a little or a lot of fat! The only way to do this is one pound at a time!

Many overweight individuals wish and hope for a quick cure to their weight problems. Theyll try anything that promises instant results! Unfortunately, these miracle weight loss products are scams! They may help a person shed some water weight, initially. But, the fat isnt going anywhere without a little effort on that persons part!

For those of you who have tried weight loss diets or are thinking about trying one, consider all the dieters who have tried the same diets and failed. The number one reason for permanent weight loss failure is the inability to stick with the diet!

Many individuals become yo-yo dieters. They try one diet for awhile, lose a few pounds, quit the diet, gain back the weight (and then some), and move on to another diet. The process is repeated. With each new attempt, there is often more weight to lose than there was initially!

Successful Weight Loss Strategies

If you want to lose weight successfully, you must realize, first, that there are no miracle diets or products that will blast away the fat! You didnt gain the weight overnight! You arent going to lose it overnight, either! You will have to put forth effort to lose the fat, one pound at a time! Even after youve shed those extra pounds, you will have to continue to work at controlling your weight, if you wish to keep the fat off!

In an article on Consumer Reports.org which rates various popular diets, Cathy Nonas, R.D., M.S., (an obesity researcher at North General Hospital in New York) states, The best diet is the one you can stay on. Consumer Reports goes on to say that adherence is importantTo maintain lost weight, dieters must permanently reduce their calorie intake, because they will need fewer calories to fuel their now-smaller body.

Fad diets typically fail in the end. From my own personal experience, I have found that eating sensibly works best! If you want to lose weight (one pound at a time), keep it off, and feel good, too, why not try cutting down on the empty calories found in most American diets? Eat more raw vegetables and fruits and whole grains. Go easy on the fats and processed sugary or salty snacks. Limit yourself to smaller portions and avoid having second helpings. This type of diet is one that you CAN stick with and live with for the rest of your life!

Yes, youll have to make a few lifestyle changes, and youll have to work on being more disciplined in your eating habits. But, in the end, it will be worth it! Youll look better! Youll feel better! Your confidence will return, and youll believe that there isnt anything that you cannot do!

Wouldnt it be worth giving up that 44-ounce Coke and that huge order of greasy French fries for a healthier, happier you? If you simply cant do without a few French fries and a Coke now and then, go ahead and treat yourself to a small serving. Cut back on calories somewhere else that day. Occasionally, its okay to indulge. But, if you seriously want to shed the extra fat and keep it off, be conscious about everything you put into your mouth. Youll lose that weight, a pound at a time!

Note: Before beginning any weight loss program, be sure to check with your medical professional.