Simple Ways to Bring both Calm AND Savings into your Life

Saving is far more than just an action – it is a way of living, day-by-day.

Start to be calm by first slowing. Whatever it is that you are working on now, stop. Spend the next 30 minutes a day in silence and solitude. You need to teach your mind how to relax, so you can shift from the work-and-spend treadmill and then focus on what’s most important to you.

A calm heart is a tidy heart. It is time to clean up your act. Start today by spending 15 minutes every day going through a closet, a shelf, a drawer, and getting rid of anything you don’t use or cherish. Once you start on these surface areas, weeding that out, the skills and mindset carry over to more complex areas like your work, money and relationships.

It is now time to learn what is enough. Being calm and saving is really about transforming your life in a conscious and deliberate manner. It is determining what is enough in your life, so that you can do more with even less.
Finally, seek out some good support—whether you’re trying to save money or simplify your life.

Don’t go this alone. With Americans $2 trillion deep in debt, you’re certainly not alone in your desire to save money. Find a friend who can help you to get started and then get busy. You will be glad that you did.

If you have a nice chunk of extra cash to look forward to each year, think now about the best ways to put it to work for you.

Maybe this year you’ll get lucky. You’ve applied for that great, higher-paying promotion and this will boost your monthly pay by $500. You want to make sure the money goes toward building a better future rather than being squandered on items, you just don’t need.

That’s the beauty of getting a year-end raise or bonus—it’s one of the rare opportunities to make a big difference in your finances without having to make sacrifices. You’ve been living without the money previously, so you can take any financial medicine you need even without altering your present lifestyle.

Financial triage

Consider first that all extra cash should first be used to solidify your base.
Next, pay off all credit-card debt.

This can have a gigantic

Nearly one-third of U.S. consumers pay their bills online, says Judy Wicks of CheckFree, the leading provider of electronic-billing and payment services.
Probably the easiest way to pay your bills online is to use a safe, encrypted service—offered by banks, credit unions, brokers and companies such as AOL, MSN, Quicken or Yahoo! Arrange for an e-mail reminder that a bill is due.

The service can handle payments entirely electronically or it can generate a paper check, if necessary—to pay the guy who mows your lawn, for example. If a payment is late, many bill-paying services will reimburse you for late fees up to a certain amount (sometimes as much as $50), as long as you have scheduled the payment within their guidelines.

To shed yet more paperwork, arrange to receive bills and statements electronically. Sign up with e-billers on many services or at MyCheckFree.com.

Online bill paying also helps you to

Let’s face it, coming up with smart and simple ways of saving money takes thinking that is a bit more creative.

Use some of these shortcuts to managing your finances. They are guaranteed to save you time and money.

Trick your mind into saving
Can’t always come up with where your money goes? There is a simple solution:

Gas prices just keep going up, and our wallets keep decreasing in size. This how-to will teach you many ways to save money at the local gas station.

Steps

1. Take out a credit card. Some credit cards offer gas savings when you use the card for purchases. This works in much the same way that some credit card companies give you frequent flyer miles when you use their card for purchases.

2. Get a gas membership card. Look for membership benefits. In addition, department and grocery stores give discounts at the fuel pump when you use their store membership cards. Shopping at Giant Eagle grocery store and using their membership card, it’s possible (at the time of this writing) to fill a car’s tank for .79 cents a gallon, with savings of $1.36 per gallon.

3. Give your car a good tune up. While giving your car a tune up won’t actually save you money at the pump, it will save you in gas. Using less gas saves you money over all. Have the oil changed, and have a certified mechanic give your engine a twice over.

4. Check the WWW for deals. Web sites let you find the

Today, i read an email from Joe Vitale. I received this email on Friday 18 jan 2008, but because I was so busy around, I just got the chance to read this email today.

as usual, Joe point out some vital point, I copy paste the email here with his permission:

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"Come on, does the Law of Attraction work or not?"

"Why does it seem to work some times but not *all* the time?"

"Why is there at least one stubborn problem in my life that just won't go away, even when I throw all the self-help methods at it?"

"Is 'The Secret' hope or hype?"

I keep hearing those questions.

Maybe you are asking them.