How to improve your savings with this SIMPLE STEPS

The Dreamer mind Magazine

  

Personal Finances

How to improve your savings with this SIMPLE STEPS

Start saving money. Life is all about habits, if you have daily better practices each day, the probabilities will say that is possible for you to have better earnings or at least better savings.

We need to understand that the first step is to accept that we are mentally weak, that we need to say to ourselves -"I have to stop spending my money on things that I don't need or just don't have any real value for me." If we are lucky with this step, everything else will be like a walk in the park.

As I say before, habits are the real controllers of our possible destiny. We need to start doing things that will take us to where we want to go. So, where you can start? Well, I suggest you that start with all your coins. Take all the coins you have and put them inside a can or moneybox. Use anything you like to put all the coins inside. Use this space to save all the pocket coins or returned cash of the day. This habit is a pretty simple, put all the small bills or coins inside a moneybox. After a certain time, you will have a good amount of money there, just because you decide to put it where you can't touch it often.

Now that we start collecting all our money, you need to count and hide all your cash. Be organized with it, discipline yourself enough to have everything organized in your life. Being clean with all your stuff and money will give you the right jump start for being efficient in your savings.

Never put all your money in the same place. You can use bank accounts for at least 70% of your money and the other 30% of cash or investments. Understand that you need to have a monthly income for this. If you haven't created a way to make money, you need to look for a job. Do not think this is a simple task, a lot of people believes that because they finished in a great university, they going to be gifted with a great job. The reality is a lot different than that. There're too many people in the world looking for the same thing you are looking for. Also, you need to understand that at first is better having a job than not having any. So look for balance, try to be as efficient as possible.

Use cash inside your budget; your cash will be the same amount needed to complete the minimum budget of daily consumption. Smart, successful people, cut their expenses the lowest possible, giving them a more beneficial monthly income.

I started with first costs, food, gas, light, water, telephone, and all the other daily things that cost us something. I tried to get monthly numbers for this task,  dividing the resulting number by 30 days. The result will be your consumption point.

Now that we have the Consumption point, we need to live below that level. Try using the limited money method, I used it for a lot of time, at the end of a period I was able to save 50% more of my previous monthly incomes. It is very simple, start with an amount and change it till you get the balance point.

For Example,

Start with 50$, If you spend less than that, Great! You are now able to cut your daily budget ( was $50, now maybe $40 or $35). If this wasn't your case, you need to restructure your budget as a higher one ( maybe $60 or $70). Don't forget that you will need a debit card connected to your savings accounts to complete this phase without problems; you will need a backup plan if you spend all your money. It is not for you to spend more money. Your sub-budget needs to be always 25% more than the original budget. Try to connect all your online savings accounts; This will help a lot if you are in any way an investor.

Now you need to understand that every single thing in your home can consume your monthly income. It becomes the most important aspect for us. Ask yourself, Do I live a lifestyle inside my income limits? How much I spend on things that no longer suits me in my life? You will need to respond that yourself working on your daily budget every day.

Try to use Excel for to help you with the day-to-day and monthly calculations, if you do not know how to use it, look for tutorials online, YouTube is an amazing way to start looking for them. Excel will be your best friend after you learn how to use it. I was able to create longer income and expenses analysis projections.

  

How to get your squad goals

The Dreamer mind Magazine

  

Self-improvement

How to know if your group of friends is a successful squad

Ocean Twelve's Movie

First, I will tell you, that successful squads are very very hard to find. This is a unique combination of skills and knowledge of all the group members. Usually, every man tends to understand that his group of friends can be a successful one, the word for that is "no." Squads can be misunderstood by a group of ordinary people, but no no, it is a slightly different story.  You can put as easy as this, only 2 of 100 individuals can call itself entirely successful. The world's population is close to 7 billion people. That means that only 140,000,000 are successful, and the 40% of that number is a member of a successful squad.

The Wolf of Wall Street Movie

 Urban Dictionary defines "Squad" as an informal group of individuals with a common identity and sense of solidarity. These unique and different people tend to have some similarities, but the great about humans is that anyone is exactly like you or someone else, That makes every squad unique. If skills and habits are combined in harmony, this will make that perfect and unique form of success.

Fast and Furious 7 Movie

Now that we now what exactly is a squad, you need to start looking for those who have similar goals as you. For example, if your goal is to become a bodybuilder, you have to start going to the gym and try to make some friends while you lift some dumbbells. This strategy is the most simple way to start building your squad if the case is that you do not have any friends, but if you already have what you believe can be a successful squad, you will need all of them in harmony, to work as supporters one from another. It is not an easy task in any form. People tend to have many issues making their friend to believe in them. At first, I will tell you that probably they will not believe in your ideas and if they do, they will try to change them based on their perspective of it. It is the moment where you listen, you do not have to believe in anything of what they are saying, but you listen, because all information is useful if it is well filtered. Take the ideas that you can use and throw what's lefts to the garbage. Remember you do not own anything to anyone by doing this, listening and learning at this point is free. 

The Wolf of Wall Street Movie

Now we can start to understand who is with us and who is not. Usually, it takes no time to feel the presence of those who are not our friends. This is people who tend to be jealous of you having an idea or because you are pursuing a goal. They will try to make you feel bad about what you are doing, the work and time put on it or the results that you have by acting on them. It usually happens when people don't have ideas on their own, or they have them and never do anything to make them come to reality. That feeling of watching you doing what they haven't done ever kills them from inside.


"Never listen to naysayers."


You have to let this type of person go from your life; naysayers are the most dangerous thing in the world. They will make all the effort to make you feel that you are wrong, that is not possible what you are doing. Be smart, keep doing your thing and go away from them.

Grown Ups Movie

So what now?, Well is pretty simple, you stick with those who work for themselves, the ones that believe in their inner voice, people that no matter what happens will support you and will be honest with you, even if that means that the truth will hurt your feelings.


Work hard as a team, never hurt anybody to make yourself feel better and I promise you that if you and your squad follows your dreams and support each other on each one of them, you will become a successful squad.

Exercise: The brain booster

The Dreamer mind Magazine

  

Self-improvement

Exercise: The Brain booster

  Your body is your tool; to use it correctly you will need a very straight and strong mental condition. Controlling your body, as you want comes with a lot of work. To be the best self you can be and make it to the next level, you will need to be able to control your body as well as your mind.


 Normally people think that exercise is only good for the body. If this is your case, I will have to tell you that you are wrong. Regular exercise has proved in many ways that it can prevent you from depression, anxiety, ADHD, sleeping problems and more. It also relieves stress and improves your memory.


 Your brain is no different than the rest of your other muscles. People that hit the gym stimulate the growth of their muscles cells and by doing this they also get their brain fit at the same time. The benefits of physical exercise extend from the molecular to the behavioral level.


According to a study done by the Department of Exercise Science at the University of Georgia, Exercising 20 min every day helps with the information processing and the memory functions of your brain.


What are the mental health benefits of exercise?


A good daily exercise can help us getting bigger muscles, better sex life, trimmed waistlines, and even can add more years to our life. But that is not the most important part of it.


People that exercise regularly tend to do so because it can give them a great sense of well-being. Exercise makes them more energetic throughout the day, and gives them a better sleep at night, which gives them quality rest time to start the next day. We can also see that these people get through exercise a reasonable improvement in their memory and get more relaxed and positive in life situations.


Exercise affects the brain on multiple fronts. First, it increases your heart rate, pumping more oxygen to the brain. It also helps to release a plethora of hormones, which participates in aiding the growth of brain cells.


Doing regular exercise you will start stimulating you brain plasticity, constant physical activity stimulates the growth of the new connections between your brain cells.


Exercise will help you with depression, anxiety, stress, ADHD, PTSD and trauma. Boosting also thinking and making your memory sharper, gives you self-esteem, Better sleeping at nights, improve your daily energy in time and gives you a stronger resilience.


"Is all in your head"- this means that you need  to control your thinking until you get used to the daily routine, and I'm not talking just about exercise, I'm talking about using your inner talk to talk to yourself, you have to start correcting your behavior or in other words "The power of will".


No will, no future.

5 Habits you need to start thinking like a millionaire

The Dreamer mind Magazine

  

Self-improvement

5 Habits you need to start thinking like a millionaire

Most people try to make their ideas come true, believing that there're no tangible steps to make them real. Yes, there's always try and error, this can't be evaded by any means. But that doesn't mean that there're things to do to start having a millionaire mindset.

Normally we think that millionaires have a particular skill or talent that makes them special. What if I tell you that this is not completely true. Millionaires have special talents just as you, me and everyone else in this world. Don't think that because they are millionaires they are more special, in fact, we all are especial and unique truly, no one is like anyone else in the world, not even twins.


We are all special, that is why none of us really are. Every person has their own talents and skills that make them different from anyone else.


Now that you understand this, you will be able to start putting them to work.


To start thinking and doing things as a millionaire you will need to change and adapt some habits in your behavior.


1. Start Reading


Most self-made millionaires read constantly every single day, according to a study made by Tom Corley 85% of millionaires read two or more books a month. You will need to start doing things like them to start thinking like them. Look for books that make you grow in the subjects you are interested in. Let your passion guide you, look for those books that make you learn more about what you want to do.


2. Pursue the things that interest you


People often stop doing what they really like to do just because they think it can be monetized.


I will tell you that is not the idea that can be monetized or not. The actions you take are the real monetizable factor that makes the idea come to reality.


3. Find a mentor


Having a mentor is always and more commonly the best thing to do for short term and long term goals.


Is always good to use the benefits of having a person that teach you the ways of   how things are done in these days.


Good mentors usually have this benefits:


-Knowledge and contacts

-Life skills

-Insight

-Perspective and vision

-Past experiences wisdom


4. Use your dreams to set a goal


Remember to always make your long term goals and short term goals. Using the long-term ones to create the short-term goals.


The short term goals are small and 100% achievable tasks that need to be made in a range of time. The better you organize them, the faster you will reach your long term goal.


5. Avoid by any means time wasters


Millionaires believe that time is the most important wealth that exists. Losing time is not an option if you are trying to make your goals and dreams a reality.


People and activities that don't help you with the process of completing your goal need to be erased off your itinerary. This doesn't mean that you have to stop things that relax you, resting or having a time for yourself is always good for your health.


Don't be impatient, always trust the process.