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.

  

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