How Do You Speak?

If animals could speak, the dog would be a blundering outspoken fellow;but the cat would have the rare grace of never saying a word too much.
Mark Twain
Do you use meaningless fillers when you speak? It’s typically so natural and automatic that you may not even be aware of it unless you hear a recording of yourself.
These fillers sometimes help to give you an extra second or two to think for a moment before speaking and are fine when used occasionally. However, used too often, they can distract the listener, diminish the importance of your message and cause the perception that you are not articulate or polished.

Because you frequently will not hear yourself using these words or phrases, ask someone if you are. Then be vigilant to catch yourself and just say what you have to say without using that word. It’s a very difficult habit to break but well worth the effort. Here are some common fillers:
Like ~ You know? ~ Like, you know. ~ Alright or alright? ~ Okay or okay?
Is that so? ~ You don’t say. ~ You see? ~ Really or really? ~ Sort of ~ Kind of ~
Ummmmmmm

The way you speak can influence whether you are considered for a job or a promotion which can definitely affect your bottom line.

Money Saving Tips

saving moneyBeware! Checks that come with your credit card as a convenience are typically charged at a higher rate. Avoid using them whenever possible.

 

 

What made you smile today?

What made you proud of your money choices today?


Take a Brain Break

10-6Aug-boy with pumpkinWe learn to disentangle ourselves…by experiencing the silence within the noise…
the silence is the experience of the present moment….
Benjamin Radcliff and Amy Radcliff

Do you find yourself distracted and not really listening? Is it difficult to be productive because your mind is thinking about other tasks that need to be done? If it’s a challenge to stay in the present when there are so many competing thoughts try taking a “brain break”.

Just sit comfortably and tell yourself to concentrate on your breathing. You don’t need to breathe any particular way, just concentrate on breathing in and breathing out, in and out. As soon as a thought comes into your mind (and initially you probably won’t last more than a few seconds before that happens!) tell yourself: Right now I’m concentrating on my breathing and I’ll think about that later. Then return to focusing on breathing in and out.

Did you realize your brain is processing so much clutter in the background all the time? After a while you will become accustomed to these breaks and those interrupting thoughts will fade away. Taking a regular three-minute brain break can help you become more focused, productive and relaxed. If you find yourself stressed and feel like the treadmill is going so fast it’s out of control, stop for a few minutes and take a quick brain break. Those brief moments of silence can make a significant difference!

Money Saving Tip

saving moneyRejuvenate your wooden cutting board by warming a bottle of pure mineral oil (available at your local drugstore) in a bowl of hot water. Wipe the oil into the surface with a soft cloth and wipe it off 4-6 hours later. It will look like new!

 

What made you smile today?

What made you proud of your money choices today?

Meaning In Your Job

Regardless of your choice of career paths, it is purpose
—not salary or recognition—that gives your work meaning.
Connie Glaser and Barbara Steinburg Smalley

How is your job meaningful? Here are some examples of how others find meaning:

  • Corinne cleans houses for a living. She loves that helping a doctor have a clean and orderly home makes the doctor’s life less stressful so she can be more available for her patients and family. It also makes her feel good that an elderly man has a better quality of life because of her work.
  • Paul, a roofer, loves being outdoors and seeing the view of his beautiful town and the mountains from the rooftops.
  • Beth, a real estate agent, loves to design fabrics; her job gives her the opportunity to have a living lab to study every time she enters another home.
  • Latoya, a manager, now sees her role as developing those people who report to her. She had grown bored with her actual job and this new perspective brought meaning back to her role.

Look at your job and career and ask yourself what about your work, your attitude, your opportunities makes your work meaningful? If the answer is nothing…challenge yourself to find meaning beyond a paycheck. It can make a significant difference in your energy and enjoyment of the work.

Money Saving Tip

saving money If your dishwasher has an air-dry feature, use it to save on electricity .

 

 

What made you smile today?

What made you proud of your money choices today?

Feed Your Soul

If you have but two coins, use one for bread to feed the body
and the other for hyacinths to feed the soul.
Persian Proverb

Feeding the soul is an important basic need that must be considered if we are to be successful in controlling our money and enjoying our life. What feeds your soul? How can you make choices to include it in a way that is satisfying and still allows you to stay on track to achieve your financial goals? Let’s say you love music but feel you can’t afford to spend money on it. Think of the “stair step system.”

Step I: No monetary cost. Listen to music on the radio, borrow CDs from the library or download from free sites. Attend free local music concerts. Sing, play an instrument you own or can borrow and get together with friends or a local group to make music together. Can you exchange a service for music lessons? Play with friends in someone’s home or find free space. Offer to play for seniors or a non-profit in exchange for practice space in the facility.

Step II: Nominal cost. Buy used CDs, get the least expensive tickets to concerts, purchase a used instrument and play it yourself or join a formal band or orchestra. Look for a student teacher if you want to take lessons. Rent a space to practice.

Step III: Considerable cost. Buy expensive electronic equipment and purchase new music, instruments and the best tickets to concerts. Take lessons from a professional music teacher. Rent space in a recording studio or performance venue to play with friends.

Money Saving Tip

saving moneyUse caulk or foam insulation any place where outside air has a chance to get in. Don’t forget to insulate your attic floor with either “roll” or “loose-fill” insulation.

 

 

What made you smile today?

What made you proud of your money choices today?

Finding Time

Ordinary people think merely of spending time. Great people think of using it.
Anonymous

What do you do when you have some unplanned extra time? Let’s say you had an appointment or event that was cancelled or time you routinely sit in a line of cars for school pick-up? While it’s perfectly wonderful to just relax and do nothing with this time, consider these options if you keep wishing you had more time. Make a list of things you intended to do but never had the time. Choose one thing and break it into small tasks. Can it now be accomplished in small fragments of unexpected time? Here are some examples of people who did that successfully:

  • Paula put her elderly relatives’ numbers in her cell phone to make quick calls to stay in touch when she had a few minutes.
  • Joan keeps some note cards and envelopes in her purse to write quick thank yous or thinking-of-you notes.
  • Ashley uses the calculator on her cell phone to balance her checkbook while waiting in the pick-up line at school.
  • Tessa keeps everything needed for one quilt square in a bag that is easy to take with her.
  • Lynn keeps a folder of interesting places to visit nearby so she’s always ready for a quick adventure.

The idea here is to have something ready so when time becomes available there is no preparation required, no thinking and no excuses. You’ll be amazed at what you can accomplish using those small bits of time.

Money Saving Tip

saving moneyBefore spending money, ask yourself—Do I want this or do I need this? What are some options? Is the generic brand as reliable as the name brand? Does last year’s discounted model meet my needs? Do I need it now or can I wait until it goes on sale? Those questions will slow you down and help avoid impulsive purchases.

 

What made you smile today?

What made you proud of your money choices today?