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.

  

Jukkasjärvi: The Majestic Ice Hotel

The Dreamer mind Magazine

  

Traveling

Jukkasjärvi: The Majestic Ice Hotel 

This is the perfect place if you don't now where to travel next time, Well, you need to travel to Sweden. Be part of the most amazing Sweden tourism.  

It is one of the most Unbelievable things that life has to offer. Created by the hands of humans, this "Ice Hotel" is the first of a kind. Located in Jukkasjärvi Village, Northern Sweden. This incredible hotel opened its doors in 1990 for the first time and had been built every year from December to April.

The hotel, including the chairs, beds, tables, glasses and almost everything in it are made from snow and ice blocks that are taken from the nearby river, Torne River. The rooms and decorations are all made by artists. The bar is one of a kind, with ice glasses and under 0 temperatures best liqueurs. It is all possible because of the temperature that is just below freezing temperature, -5°C or 23°F.

The ice hotel had a unique history, 27 years ago in 1989, a group of Japanese ice artists visited Jukkasjärvi Village to make an exhibition of ice art near the place. The next year, in 1990 French artists Jannot Derid held an exhibition in cylinder-shaped igloos in the same area. What happened next was the initial spark for something even greater. One night all the rooms in the village were full, and some of the visitors asked for permission to spend the night in the igloo at the exhibition hall. They used sleeping bags and were the first guests of the "HOTEL."

Ice Hotel Bar Decorations

As the hotel is made completely of ice and snow, artists create themes inside the rooms. They make a  church, a bar, a reception area, mail hall, plus another +100 rooms with luxury ice topics for the guests. The Furniture is sculpted in blocks of ice, to make everything look like a regular hotel. The room can cost something around US$1,500. All the rooms are a different one from another, each one a complete work of art.

The temperature inside the hotel is constantly around -5°C, they will provide their customers with special equipment to use while sleeping in the rooms. They also use polar-tested sleeping bags to sleep. There's no plumbing in the ice hotel and no heating, but there's a sauna and outdoors hot tubs if you need some hot time for yourself. All the bathrooms are located in a warm building near the igloos.

If you do not want to experience and super cold vacation but still want to visit the place, they also have what the call "warm rooms," these rooms have all the commodities of a luxury hotel. It is just perfect if you want to get out of your comfort zone,  a one in a million experience. In the end, I have to tell you; you have to travel to Sweden.

3 SIMPLE STEPS to start being SELF-AWARE

The Dreamer mind Magazine

  

Self-improvement

How to start being self-aware

For starters, self-awareness is one of the initial steps to take the path of happiness, being self-aware is having a clear perception of your personality, Strengths, weaknesses, thoughts, beliefs, what motivates you and your emotions. This simple steps that I will show you now can be one of the hardest things you are going to do in your "inner life". It takes will power and motivation to be willing to start opening your eyes to your inner self and controlling your mind.


The brain is a very complex element in your body, we all think that we control our brain completely,  this is because we have this perception of being in control. Yeah, we can move our body, we can think and talk, we can communicate with the world outside of our body. But what we don't always know is that there is a completely another world inside us. In reality, our brain makes our decisions for us every time we have to choose between 2 or more options. The brain tend to have this old way of think by itself; this is called instinct; it is something that we bring within our DNA since before we are born. It is not something that we decide or understand completely, but it is something that with a little work and actions we will be able to control. It is why we need to open our eyes, to start being self-aware of ourselves.

If you have ever been in a car crash you may have sense that everything that happened was in slow motion, and you may notice details of your thought process and the event.That moment is known as a state of heightened awareness. Colors become sharper and brighter,  each sound seems to ripple right through you, Your brain starts recording memory and every sense is on point.

This special state of the brain can be learned and with a lot of practice it can be used as an advantage. engaging these types of heightened states and seeing new opportunities for interpretations in our thoughts, emotions, and conversations can be a very different way of looking at life and what is going on in your surrounding. Having awareness creates the opportunity to make changes in behavior and beliefs.

So now that you know what this is, you need to start practicing, we will give you a head start and will tell you how to initiate a change of lifestyle and mentality.


1. Start knowing your inner self


Probably you will think that this is crazy, but it was one of the most supporting things that I've made

The first thing to do is create a habit of sitting and talking in your mind to yourself, with that inner voice you hear inside your head. If so same as you read it, we have lost as humans the ability to listen to ourselves, sometimes we think we know everything about ourselves but the reality is another story. To find what you want one must know oneself. Without this communication within us, we will never be able to create our destiny of happiness, what we want for ourselves in life.

  2. Start taking thing more passively

Be aware of your daily movements, make a habit of thinking before acting. It can be heard as something very simple, but it is not. A large percentage of the world population follow the directions created by their subconscious. It can be misleading because although your subconscious takes care of keeping alive the carries in itself the primitive instincts of humans, convenience, and comfort to survive.


"Laziness won't take you anywhere anytime soon"


We must begin to be calmer with what happens in the world around us, without losing track of what we usually do. Humans tend to create cycles or patterns of behavior if we are aware of our steps we begin to direct our path as we wish to.

 3. Start paying close attention to your emotions


This is the key to success and one of the most difficult tasks to accomplish. Controlling your emotions starts with being aware of the moment, what is that thing that affects us positively or negatively. Be aware of emotions and things that make us feel good and fight against those that make us feel bad or negative.

to start knowing my inner self. Humans since the beginning of their time have developed new ways to communicate. Today the world have reached a level of communication when the easiest thing to do is communicate with another person digitally. This brings with it big problems, now people are so saturated with information that they forget their primary nature, to communicate with itself.

 Positive - Blessing - III - Negative - Lesson

Top 3 Hotels near Raa Atoll Island, home of "The sea of stars"

The Dreamer mind Magazine

  

Traveling

 Raa Atoll Island: The Maldives blue glowing waves
 

 For those who like the adventures and the beauties of the world God, brings us this, Raa Atoll Island is a very little island in The Maldives, it is also called Vaadhoo. Total population 500 people in 2007, -Yeah that kind of small.

This little island has a unique way of captivate the love of their visitors. Vaadhoo island is famous for the "sea of stars". An incredibly beautiful beach that at night gets its water glowing blue trail lights when water gets moved by the waves. This is a marine bioluminescence is generated by phytoplankton or scientifically called dinoglagellate, a cell membrane that responds to electrical signals. In other words, it start lighting with the movement of the waves.

Raa Atoll is an administrative division from the Maldives. The Capital is Ungoofaaru.This administrative divisions refers to the various units of government that provide the local government services in the Maldives. Administratively, there are 189 Islands, 19 atolls and 2 cities in the Maldives.



Haa Alifu, Haa Dhaalu, Shaviyani, Noonu, Raa, Baa, Kaafu, etc. are code letters assigned to the present administrative divisions of the Maldives. They are not the proper names of the natural atolls that make up these groups. Some atolls are divided into two administrative units while other sections are made up of two or more natural atolls. The order followed by the code letters is from North to South, beginning with the first letters of the Thaana alphabet used in Dhivehi. These code letters are not accurate from the geographical and cultural point of view. However, they have become popular among tourists and foreigners in the Maldives who find them easier to pronounce than the true atoll names in Dhivehi, (save a few exceptions, like Ari Atoll).

- Tim Godfrey, Atlas of the Maldives, Atoll Editions 2004

Formerly this atoll was off-limits for tourists, but since the late The 1990s there was a change in government policy. 

Here the Top 3 hotels to visit in Vaadhoo:

1 - Loama Resort Maldives at Maamigili

 Experience a stunning natural tapestry of sun-kissed lagoons, palm-fringed beaches and postcard-perfect panoramas of a Maldives island spread over 100 hectares of pristine coral reef Within the Raa Atoll. With a quietly pulsating heart of rustic charm, this untainted slice of paradise called Loama Resort at Maamigili offers guests idyllic beauty and an exuberant culture that defines an Authentic Maldives island. This beautiful resort was recognised in Conde Nast Traveller Middle East – Hot List 2015 among the Best New Hotels in the World.
This paradise Maldives island features 105 elegantly appointed beachfront and over-water guestrooms including five luxurious suites, each one commanding spectacular views of the sparkling Indian Ocean.

-http://www.loamahotelsandresorts.com/

2 - Adaaran Select Meedhupparu

With the promise of an incomparable holiday in the tropics, Adaaran Select Meedhupparu one of the best Maldives resorts offers blissful accommodation for the discerning traveller to the Maldives. Bask under the healing sunshine and soak up the alluring sights and sounds of a truly enchanting island in the tropics. Adaaran Select Meedhupparu offers tranquil settings brimming with luxury. Settle into a holiday full of breathtaking experiences that will leave you with memories to last a lifetime.

-http://www.adaaran.com/selectmeedhupparu/

3 - Furaveri Island Resort & Spa 

A perfect getaway offering an unmatched experience for individuals, couples or families in the exotic Raa Atoll in the north central region ad set on 23 hectare island. Whether you are an adventurer seeking the underwater experience, or an explorer looking for remote exotic islands or a fishing enthusiast looking for the big catch or if your passion is water sports or if you want to indulge in our rejuvenating spa treatments or if you are simply seeking sun bathing in the soft white sandy beach or taking a swim in the crystal clear lagoon, Furaveri Island Resort and Spa is the ideal place to be on your holiday.

-http://www.furaveri.com/

 

Etoro as my first Forex Trading Platform

The Dreamer mind Magazine

Business

Etoro as my first Forex Trading Platform

 To those who don't know anything about Forex trading this can be your first step to get started to learn about the Forex Market and get some money at the same time.

Etoro is a user friendly Forex trading platform and at the same time is a social network. This means it combines a basic and very complete virtues of a Forex platform with a interactive interface with other users in the network. 

-Create an account-

Etoro makes account creation so easy, that i think that almost any person in the world will be able to understand how to create an account. 

To do this you will have to choose one of three options, signing up with a Facebook account, Google+ account or simply creating one with your Email account. 

After your account is created, you will need to verify it, not only with your email account, but also with an ID or passport that proves your identity. 

-Deposit or Demo-

This step for most of us will be the hardest step. Not only because its out money that we are talking about, but also because probably you are new in Forex Trading. 

To start making some money we gonna need to learn about Forex Trading, i suggest you to read the basic information of Forex. What is?, How it works?, What is technical analysis?, What is fundamental analysis?. These are what i think the best 4 questions to start learning about this market. 

Etoro also have a demo account segment, where you are able to make trades without spending any of you money. This is very helpful because we can start practicing strategies without any risk of losing our bankroll. You don't need to deposit any money to use the demo.

Something that I would allow me to say is that the most positive part that has Etoro is the speed with which you can deposit and withdraw funds from your account. You should only use a verified PayPal account for which you are going to manage the entry and exit of funds from your Etoro account.

-Copy Trading- 

Etoro has a unique way of combining the social world with the trading market. The platform let you copy any other trader in the platform without giving them a dime of your money in exchange. This means that if the trader have "good trades" this will translate in money for you. The platform let you do the same trades of other traders in proportion of the money that you invest on them, plus the leverage you've picked when you open the trade.

Down side is that you need to put a minimum of US$100 on the investment.

Upside is that if the trader you picked is continuously making good trades this $100 will become  a "profitable" investment.

Etoro gives them these traders that are being backed bonds when they reach a milestone.

 

-The first trade-

Now everything is slightly less scary than yesterday and on, and on. At the end of the month i was ready to Invest in my own trades. Obviously small trades, using only the minimum trade that is US$25 per trade. 
  
Start small, low risk, low profits. 

Use all the information that you researched to pick any of the available trades to next wait what for happens. 
 
 The platform is very user friendly to everyone. They have a web-trader in which you have the options to pick any of the trades available in the market and a social network site with specs and everything of your performance over time. 

When other traders start following you, then you start reaching for some social-media milestones to get the bonuses.
  
-Conclusion-

Etoro proves that is not that hard to start investing in the Forex Market. It really is a good way to try your way in the investment world. Also if you have skills of marketing you will be able to sell yourself in the social-media world that it is. Incredibly easy to use. 

RATE: 9.0

SIGN UP IN ETORO