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.

Your Sexual Past – Does it Bother your Boyfriend?

The last thing your boyfriend wants to think about is another guy having been with you (whether we’re talking about sex or just hooking up). Envisioning some other guy getting down with you can literally drive him crazy. 

Have you had a checkered sexual history that’s filled with lots of experience? If so, your boyfriend might have trouble dealing with this. But this is something that he must accept. 

Don’t you dare let someone else throw your past in your face or hold it against you. If it’s ancient history (or only a few months ago), let it stay there, and move on. 

He must accept you for all that you areIf he’s chosen to be with you…he needs to accept you for all that you are. And that means everything. It doesn’t mean he has to like your sexual history, of course, but it means he can’t hold it against you. It’s completely unfair for him to want to date you and then start knit-picking about details from your past. 

If he’s constantly bringing up your pastTell him flat out that he’s going to have to accept everything about you if he wants to date you. Let him know he has two choices: 

a) You two break up 

b) You two stay together…but he can never mention your sexual past ever again. Never. Not even when you two are fighting. 

Learn from your mistakes and move onThe few moments of pleasure that come from sex and hooking up can have a permanent effect on you reputation and self-esteem. If you’ve chosen to change your “free loving” ways, you’re doing the right thing and that’s what matters most. On the other hand, if youve only had a few hookup and your man is making a major issue about it, you might want to rethink whether you really need to date such a puritanical person.

Facing Depression Head On

Always feeling under the weather? Always not in the mood to be around others and have a good time? If you’re suffering from prolonged sadness for quite some time now, you should face these bouts of depression and get yourself diagnosed by a psychiatrist, they’re doctors who can actually help you out with your problem.

Depression or prolonged sadness is actually quite common in the United States, around 9.5 percent of the American population actually suffer from this illness, however, not all of them get to be treated, thus, depression and its ill-effects continue to be a burden to some individuals. This illness may seem quite simple to treat but in reality, it takes more than a little cheering up to actually cure depression. Constant visits to a cognitive behavior therapist is a must as well as taking all the prescribed medicines that the doctor will ask the patient to take – none of these exactly come cheap, but the amount of suffering that a person is going through because of depression is enough reason already for others to start taking notice and face depression head on.

Depression oftentimes can easily get in the way of an individual’s daily activities and his or her’s normal functions, one’s zest for life can quickly and easily dissipate due to depression. And in place of an individual’s sunny disposition is more or less a person who hates his or herself, having no self-confidence, trying to isolate one’s self from the world and basically just not caring about living any more. More so, a person suffering from depression isn’t the only one who’s going to suffer from this destructive illness, his or her loved ones are sure to follow suit. By seeing the individual grow through such rough patches, basically not caring about anything or anyone anymore, it’s highly likely that not only will depression one’s relationship with one’s self but with his or her loved ones too.

Fortunately depression can now be cured, especially when diagnosed early, depressed individuals can actually be treated through therapy and medication, although it may be a bit costly, a person’s good mental health is something that shouldn’t be scrimped on. Cognitive behavioral talk or interpersonal talk are just some of the available psychosocial treatments that cognitive behavior therapists can offer to their patients, both actually prove to be able to produce fruitful and positive results.

Still, people tend to not recognize depression even it’s right before their eyes, being honest with one’s self is key to being able to cure such an illness. Never overlook the various symptoms, depressed individuals oftentimes exhibit uncharacteristic behaviors such as suddenly lacking interest in one’s hobbies (or other stuff that he or she usually enjoys), sleeps too much or actually aren’t able to get some shut-eye, suddenly becoming anti-social, talks a lot about death or being a worthless person. There are actually a lot more other symptoms but in case these already fit in your category or of someone that you know of, go to a reputable psychiatrist at once in order to see if the depression is still at an early stage or not. From here you’ll be able to assess how the treatments will actually go.

Depression shouldn’t be something that people fear of, instead, people should just start taking charge of their lives and actually face this illness and fight it. Life is too beautiful a gift to waste and if one will spend the majority of his or her life just moping around about every single little thing then what kind of life would that be? Depression may not kill one’s body but it’ll certainly kills one’s spirit if you’ll let it. Don’t be a victim.

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!