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Why Save Money? 6 reasons to stack your coins

March 24, 2016 by Raphael Husbands 1 Comment

Financial stability, business success and insurance concept Americans are known for not having good savings habits. “Spend ’til the end” is like a national motto. If you’re someone who doesn’t save money it could be because you don’t see why you should.

There are plenty of reasons to save money starting with:

1- You save your money so that one day your money can save you

We’ve already talked about the importance of an emergency fund. There’s nothing like having cash available to make a serious problem disappear.

There may come a time when you need a large amount of money and can’t use a credit card.

Imagine that you lost your job and your rent is due. Maybe your landlord only accepts cash, checks or money orders. Having cash in the bank will prevent a lot of stress. [Read more…]

Filed Under: Money Tagged With: cash, Credit Card, credit cards, Credits Cards, emergency fund, Finance, Saving Money

How to Recover from Your Holiday Overspending

January 28, 2016 by Raphael Husbands Leave a Comment

It’s January and the holidays are finally over. No more standing on lines for a half hour or more. No more pressure to find that perfect gift. The shopping madness is over.

Well, it’s over for some of us. You may be one of the unfortunate people who has to pay off a huge credit card bill. We all get a little crazy and overspend. Now it’s time to pay off the debt and the thought of it makes your brain hurt.

Here’s how to recover from your holiday overspending:

Face the music and assess the damage

Just thinking about how much money you spent on ~~useless crap~~ those beautiful gifts can be depressing. It’s understandable that you want to ignore it and hope it all goes away. [Read more…]

Filed Under: Life, Money Tagged With: Card Bill, Credit Card, Credit Card Bills, credit card debt, Debt, Finance, Holiday Savings Account, paying off debt

4 Ways to Invest in Yourself

November 19, 2015 by Raphael Husbands Leave a Comment

In the last post, we talked about self-investment being the best form of investing. Now let’s look at 4 specific ways of doing that.

1- Take classes to increase earning ability

The future belongs to the competent. The more valuable skills you have, the more desirable you will be in the marketplace.

One of the easiest ways to improve hard skills is by signing up for classes or workshops. You can learn a new skill quickly by working with an instructor in a classroom environment.

Trying to learn on your own can be a long boring process. You have to learn by trial and error. Sometimes you won’t even realize where you’ve made mistakes.

An inexperienced instructor will give you feedback and show you what to focus on. They will show you faster ways of getting things. You may then be able to perform better than others who have more experience than you do. [Read more…]

Filed Under: Life, Money, Work Tagged With: Investment, Self Investment

The One Sure-Fire Investment That Gets the Best Return on Your Money

July 11, 2014 by Raphael Husbands 1 Comment

We all want to grow our finances but most of us only dream about investing “one day”. The idea of investing money can seem like such a grown-up concept that other people do.

You may think that you’re not sophisticated enough or didn’t come from the right background.

The fear of possibly losing your hard-earned money may have you paralyzed.

Then there’s the overabundance of choices. Most people think of the stock market when the word “invest” comes up but there are as many ways to invest as there are people.

Stocks and bonds.

Real estate.

Businesses.

These are all kinds of investments. There are plenty of categories and countless variations under each category.

In real estate, you can choose to invest in commercial or residential property. If you decide to rent out residential properties then you have plenty of choices. You can focus on single family homes or multiple unit buildings or you can have a tenant in your attic or…

You get the point.

Investing is a big topic but you know you should probably get involved.

With so many options available, the most important question is:

Where should i start?

The answer is simple. [Read more…]

Filed Under: Money Tagged With: Better Jobs, Brian Tracy, career, Develop Skills, financial, future, Improve Your Skills, Invest Money, Investment Guarantees, Marketable Skills, Money, New Skills, personal development, productivity, Self Investment, Skills And Abilities

How to Listen: Improve Your Listening Skills

June 12, 2014 by Raphael Husbands 1 Comment

Have you ever been accused of not listening? Have you ever been involved in a conversation that turned into an argument where neither party felt they were being heard? It’s time to improve your listening skills.

You may be wondering what it means to improve listening skills. Never thought of listening as a skill before? You can’t be blamed for that. People aren’t usually taught listening skills. From childhood we’ve all been told how to speak, not to listen.

Benefits of improved listening

There are very good reasons for becoming a better listener.

You’ll be involved in less arguments.

You’ll come across as a good conversationalist even if you hardly speak. People will love talking to you.

You’ll be able to empathize with people better.

You’ll sell more to clients. Better listening leads to better understanding of what customers really need and want.

You’ll be more productive. Better listening will lead to knowing upfront what truly needs to be done to get the job done right the first time.

Here are 7 ways to become a better listener:

1- Tell yourself that what the other person is about to say is important. This automatically makes you pay attention more because who wants to miss something important? [Read more…]

Filed Under: Life Tagged With: Active Listening, Brian Tracy, communication skills, Daily Conversation, Develop Skills, How To Improve Listening Skills, Human Behavior, Improve Your Listening Skills, Listen Closely, Listen More, Listening Skill, listening skills

Warning! Saving Money on These 3 Things is Making You Broke

November 27, 2013 by Raphael Husbands 2 Comments

You are saving your way to the poorhouse. Most people are doing this so it’s safe to say you’re probably doing it too. Being penny-wise and pound-foolish. Cutting corners when spending money on stuff and having it be more costly later because the item broke prematurely or was just poor quality. Trying to save money on some items is not always a good idea.

Everybody’s heard the expression: You get what you pay for. We all know what it means. When you buy the cheapest, you usually get the worst quality. Or no quality at all.

You also shouldn’t just buy the most expensive option thinking thinking that makes the most sense. The most expensive isn’t always the best quality but it’s usually better to spend a little more for stuff.

With some items the difference in quality at different price points is drastic but you may not notice it at first. Here are a few things that can nickel and dime you all the way to the poorhouse if you go cheap: [Read more…]

Filed Under: Life, Money Tagged With: 3 Things, Brian Tracy, Education, Food, Footwear, Fuel, Improve Your Skills, Money, Poorhouse, Putting Money Aside, Saving Money, Spending Money, success

3 Benefits of Continuous Learning

October 25, 2013 by Raphael Husbands 5 Comments

An important key to life is personal growth. Human beings, like plants, are meant to grow. Physically, yes, but just as importantly, in other ways too. Emotional, spiritual and intellectual growth are key to a fulfilling life.

To make sure that you’re always growing you need to develop the habit of continuous learning. Constantly learning new things is a basic requirement in this day and age. Being a lifelong student will benefit you in several ways.

1- Keeps your mind sharp and your skills fresh

In today’s work environment only the learners who are constantly improving will be employable. You can’t depend on what you learned in school 4 years ago to carry you through a whole lifetime or work career. [Read more…]

Filed Under: Life, Money, Work Tagged With: Benefit, Continuous Learning, Habit, Learning, Learning New Things, Lifelong Learning, Never Stop Learning, Skill

How to Get the Skills to Pay the Bills

October 11, 2013 by Raphael Husbands 5 Comments

Everybody wants to get paid more. You do. I do. We all do. Unfortunately, most people don’t realize that you can’t get paid more for doing the same old job year after year. You’ve got to keep yourself fresh, gain new skills and bring more value every year. Better income comes from better work and increased ability. In other words, you need to get the skills to pay the bills. [Read more…]

Filed Under: Money, Work Tagged With: Develop Skills, Employment, Improve Your Skills, Marketable Skills, New Skills, personal development, skills, Skills And Abilities, Skills To Pay The Bills

The SpongeBob Squarepants Guide to Job Satisfaction

August 23, 2013 by Raphael Husbands Leave a Comment

It seems that most people don’t enjoy their work. Maybe you’re one of them. Maybe you dread going to work everyday. How much do you hate your job? Let us count the ways:

Your job is boring
Your boss is demanding
You don’t get paid enough

If that sounds like you then it’s probably time to find the work that you love. Until then, you need to find a way to love the work you already do. Or at least like it a lot more. You may wonder how you can possibly do that. Let’s take notes from a well-known expert on job satisfaction by the name of SpongeBob Squarepants. SpongeBob is always happy at work and you can be too, here’s how: [Read more…]

Filed Under: Life, Work Tagged With: job happiness, job satisfaction, SpongeBob Squarepants, work, work you love

Never Go Backward (quotation)

August 5, 2013 by Raphael Husbands 1 Comment

Never go backward. Attempt, and do it with all your might. Determination is power. – Charles Simmons

Filed Under: Uncategorized

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