Entries from September 2009 ↓
September 18th, 2009 — Saving, Self-improvement
We asked experts worldwide for their best cash control tips in the different areas that can easily get out of hand.
Good Money Management
1. Pay yourself first. Before you start spending your monthly salary, set aside money each month that goes towards savings, insurance and your retirement plan.
2. Be prepared for money emergencies. Set aside a sum equal to six months of your income for emergencies, such as retrenchment or sickness. This should be over and above your other savings and investments.
3. Make savings automatic. Set up direct Giro payments, so a percentage of your salary is automatically transferred every month from your salary to an investement account. It makes saving hasslefree. Aim to save at least 10 t0 20 per cent of your disposable income each month. Continue reading →
September 15th, 2009 — Goal Setting, Motivation, Self-esteem, Self-improvement
It is identified as the ultimate key to happiness, the door to success, the path to healthy relationships, the essential component of personal fulfillment, and the ingredient for eliminating toxic ones. What is this very important “it”? “It” is self – esteem.
According to the National Council for Self – esteem in Sacramento, California, self – esteem is “the feeling that you are worthy of happiness and capable of managing life’s challenges.” For many, self – esteem is an elusive ingredient. Yet psychologists universally agree that it can be cultivated by anyone. Continue reading →
September 8th, 2009 — Saving
Hauling Your Car to a workshop can be daunting – from the car – speak mechanics use to the oil stains you get on your shoes – no one likes to stand around in a workshop any longer than they have to. And, of course, there’s the bill.
Here’s how you can save a little every time you take your car to the workshop. It may only be a few Ringgit each time, but it’s surprising how they add up.
1. Be prepared
An independent study in Indonesia confirmed that the top three causes of car breakdowns on the road are: Running out of petrol, tyre troubles and problems with the cooling system (overheating). All of these can be prevented by keeping your tank at least half – full as this helps preserve the cleanliness of the fuel system; making sure your tyres are in good condition and the wheels aligned properly; and keeping a large bottle of water and engine coolant in your boot. If you do not know how to add them to your engine, get a knowledgeable friend to show you. Continue reading →
