Friday Faves: It’s the weekend, time to…


Happy Friday!  It’s almost the weekend.  Need I say more?  Have a wonderful Friday and enjoy these good reads from around the web.

My Life I Guess – My Job Is Not Worth It

Budget Bloggess – Budget vs Spending Plan – Let the Battle Begin!

Frugal Beautiful – Finding Friends in a New City

Broke Girl Rich – How to Make Money From Craigslist

Broke Millennial – Why Owing Uncle Sam Made Me Smile


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Getting Ahead in Business Does Need You to Be Ruthless But Rather Fearless

Years ago before technology change the way we live being a successful businessman or woman meant you had to step on more than a few toes and do anything necessary to take out your opposition. It took one word, “ruthless” but nowadays that word has grown and transformed into a whole new word, “fearless”; and this is according to Julie Roehm a key characteristic requirement in today’s world of business.



What does being fearless truly mean in this context?

Firstly, it means that you need to think outside of the box and still be a team player. This may be a tall order for most individuals, but when you learn to let go of any fear from rejection or negativity then you will be able to tap into a creativity that will enhance your work life. This aspect does not only pertain to employees but also employers.

When it comes to choosing your work force, many employers will only want people who tick all of those annoying corporate boxes. But in reality taking a chance on a few candidates who offer a higher level of creativity as opposed to efficiency could be the catalyst that propels your business form mediocre to extraordinary.

A few favorite quotes that Julie Roehm has used to drive home the truth of how beneficial letting go of all fear in the business sense can be are:

  • Calculated risks are the rocket fuel of our society
  • Eat your fear. It tastes good and will make you stronger.
  • “Great spirits have always encountered violent opposition from mediocre minds.” -Albert Einstein.

Fearlessness does not mean taking unnecessary risks

Even though one is encouraged to think differently in how you run your business, it still needs to be controlled. When it comes to marketing your company there is numerous aspects that one has to take into consideration. For instance, if you are making use of social media in order to try and capture a market, you have to do so in such a way that you are still being seen as a reputable company. With the digital age advertising and marketing has taken on a whole new face and needs constant readjusting in order to grow and adapt with modern trends.

What you do not want to end up doing is taking any risks that will tarnish how your company is viewed. Julie Roehm has many years experience in changing the way in which companies approach simple aspects such as customer care and how a company actually converses with their clients. Let’s face it, our world expects so much more and we demand to be entertained; thus you need to meet these needs in such a way as to still be professional.

There is such a fine line between being successful and achieving success; and it basically rests on how you perceive the two aspects. If your company has been able to successfully be a success through working to building long lasting relationships with employees and customers then you know what the truth of being fearless truly encompasses.

Controlling Daily Spending is a Good Way to Save

4b34aa6bc8a542738c9bb93307b862acInterest rates in the USA are low and as a result there has rarely been a better time for you to get a loan. The main thing for you to remember is that it must make sense; be affordable.  There is no reason to get a loan for the sake of it because you should always make responsible decisions when it comes to finance. The recession taught a sharp lesson but the signs of the growth in credit card spending once again, and in the outstanding balances that some are now holding suggest that not everyone has learnt the lesson. Not only should credit cards be used responsibly but financial prudence suggests you should look at spending in general and resist the temptation to spend all you earn.

It is surprising how quickly you can build up a bank balance by thinking about what you spend each day and whether it makes good sense. This is not a lesson in sacrifice but caution against excess. Savings provide comfort against the unforeseen event; an unexpected bill which can be everything from a medical emergency to an expensive automobile repair. It is nice to be able to meet such a bill without having to worry.

Self Discipline

With a little self discipline you will be able to do it. There are many ways to save a little money on a daily basis. If you enjoy cooking you should limit your visits to a restaurant to special occasions. Why not eat in the comfort of your own home? Planning menus in itself is sensible because it allows you to think about your shopping and will certainly help towards eliminating waste. You can decide on your shopping list then look for bargains on the day you do your grocery shopping; if there are coupons that can be used even better.


Energy bills can be crippling particularly in a cold winter. They are something that can really make a hole in household income. Once again a little self discipline comes in handy. Simply switching off a light in an unoccupied room will save something. Consumption can be reduced by turning down the thermostat a degree or two.  Appliances that are not in use can be unplugged and it is worth thinking about whether you really need a dishwasher or whether you can dry the clothes outside rather than in a machine.

On a wider front if your home is not energy efficient that inspiration fund loan may be a good investment for the future by improving its energy efficiency whether for better doors and windows or for  new system itself.

Exercise and Entertainment

When it comes to exercise there are plenty of ways to cut down expenses. If you walk a little more rather than use the automobile you save on two fronts. It is not critical to take out an expensive fitness club membership to stay fit. There are parks and plenty of pleasant walks that cost nothing at all. There are plenty of cheap ways to entertain yourself and the family without needing to spend much at all.

There is no reason for your social life to suffer because you eat out less, or decide to avoid the bar or coffee bar. You can entertain at home, taking turns with friends. Why not meet for a gossip in the park with friends bringing the coffee with you? All these little things add up over days, weeks and months. There is minimal hardship involved. Daily behavior can see your savings grow. It does not mean that you cannot take out loans responsible reasons at the same time. Your overall financial position will make you a good candidate for approval anyway.




2015 Savings Goal Update: March


Good morning Loves.  Remember back in January when I set some pretty aggressive goals for myself this year?  Honestly I had good intentions when I set them, but never in a million years did I think I would stick with them.  Why?  Because I have commitment issues.  I rarely finish anything I start when it comes to goals because I hate living with restrictions.  That’s just who I am.

Saving for retirement: Check

I excited to tell you that my goals, on all fronts, are on track.  Even as I’m writing this I can’t believe it, but it’s true.  I have actually already met my savings goal for the year.  How? By being a stellar employee in 2014.

Instead of taking my bonus in cash and loosing over half of it in tax I decided to put it directly into my retirement account.  This way I boost my savings and don’t give any away to the tax man.  The downside to this is now it’s in my retirement account and I can’t touch it without penalties.  But oh well.

The thought of losing any of the money, whether it’s on withdrawal fees or withholding tax, just makes me cringe.  So despite my original plans to take it in cash I am going to transfer it directly to my retirement account, invest it and hopefully watch it grow for the next 25 years until I retire.

Cash savings: Epic Fail

Taking a lump sum of cash from my annual bonus and saving it for retirement seems almost too easy doesn’t it?  Although I’m proud of my achievement because I did work for the money, I don’t really feel like I saved it.  So in an effort to keep myself focused on good money habits I’m still trying to save my actual earned money on a monthly basis.

Remember last month when I told you I saved $1000?  Well with my little trip to New York City at the beginning of March those savings went out the window.  Actually I should say the money went to the Wyndham Garden Hotel in Chinatown and to the lovely people at Greyhound.

Spending the money was worth it because I was going crazy and needed to get away, but it’s not helping me achieve my cash savings goal of $7000 in 2015.  That’s my new goal.  Since I already met my original savings goal, now I’ve redefined it to be cash savings, meaning non registered, meaning outside my retirement accounts.

Isn’t money funny?

That’s the thing about money; it takes a long time to earn, but it gets spent very quickly.  I hope to make up the $1000 loss (if you can call a trip to NYC a loss) this month and get back on track towards my savings goals.  I’m not sure what I’m saving for, I think I just want to prove to myself that I can do it, since I rarely stick to any personal goal strategies.

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