HOW I AM LIVING

LOTTO LOTTO is a game that everyone plays and while some don’t believe in it others do and let’s face it if you where to win $100’000.00 from lotto would you not be happy, there’s so much you can do with that money, I sure wish I could win the lotto it would put me a step closer to achieving my gold’s, I know it sounds funny but it’s true dough the game requires a lot of luck which I don’t have but maybe you do. I remember once I and my friends bought $100.00 worth of starch game and for few minutes where there starching away but only to see we did not win a thing I guess that why I don’t believe in that type of game as much. Life is so on predictable and you may very well be the next winner, what I want to tell you is don’t overdo it, I see lots of people spend all their money buying lotto tickets and best thing is they don’t win, if you’re going to play the game play it for fun play it for those two words what if, what if you win. Don’t spend your wife grocery money and live the family hungry, you will not win, instead play lotto if you have a little extra money, lotto is just a game but your life is not don’t waste it. FRIENDS Friends, you can’t leave without them, they make us, break us, help us and shape us to be better persons in life, but there is a thing you should know about your friends things that you’ve may not have noticed, such as the type of person your friends are meaning there is something a natural thing that just sticks to you friend. I don’t know your friends but I know mine so let me give you an example of what I mean. I have five (5) best friends and believe me I do not know where I would be without them, these guys are my brothers, the thing that I’ve noticed about my friends are one of them is lazy, he wants more but does not go out to get it, the other is a big liar, one is frustrated with everything, one is mister fix it and the last is our back bone, our brains as for me I’m like the hopeless always trying to get something. Due to the fact that I know all this about my friends it helps me to deal with them better you should do the same not only your friends but persons you come across. Knowing how to deal with the people around you is very important. Here is another example because I know my friend the liar do you think I should rent a house with him, hell no because he liars a lot, when you understand most things about your friends you will know how they fit into your life and help it to get better or worst depending on you. There are other things you should know about friends, which is one leaning out money to them, when leaning money out to your friend in your good graces it may come back and hurt you, you must always be careful of how much money you lean your friend as well as what they do with it. I’ve come to realize that if I lean my friend few dollars let’s say $20.00 to $50.00 I will not really look back for it unless I’m in a jam and I really need it. The thing is friends that do things for you in life like being there for you listen to you and give you a helping hand should be treated with great respect and kindness (love), if I give one of my best friends say the liar few dollars I will not look back for it because what his done for me in all the years I’ve known him is priceless, I hope you have friends like that. Another thing about friends is they cost money, let me say this it is not how much money you spend that makes you rich it’s how much money you save. Friends tend to make you spend lots of money without you realizing that for example let’s say you go out with your friends depending on how much friends and if all of them have money you may very well have to pay for few drinks and meals for them, don’t get me wrong they are your friend and you love them, there is nothing wrong with buying few things for a friend but there is something wrong when you over spend. Over spending is a very big thing in person’s lives and normally we don’t realize it until later, you must try you very best to control your spending as much as possible, if you go out dancing with your friends they should understand that you can only make one round of drinks etc. You yourself should also not let your friends spend all their money even if you may have a friend who’s a big spender. It is good to have friends and to help them but don’t let it be at the cost of losing your money. Remember try to spend your money wisely and not fallow friends that will help you to spend your money carelessly. This also pertains to family members to. Bad friends, there are people that pretend to be your friend but turns out their only using you or even worst, this you must look out for, if you have friends like that end the friendship immediately you do not need any more blockers or down pressers in your life holding you back. Now that where through with friends for now let’s move on to DEBT. DEBT DEBT, believe me I’m sure as much as you hate it the fact is it’s there and it will never leave, I myself is in debt and I’m fighting to get out of it which will never be possible because there is always something you don’t have the full cash for but can take it on hire purchase. As much as we know that debt will never go away we can limit our self in buying things that burden us especially if something bad happens and you have to use the money that you have to pay for the television. Debt can crepe up on you and is always when you think you pay off for the Item you find out there is something else. You should always keep records of what you owe, make two copies if you have you to in case one is lost also keep records of persons that owe you as well, persons always have a tendency of saying “I paid you the hundred the last time”, when that may not have been so. Have you ever noticed that there are persons that love to get their money but don’t like to pay back money; I hope you’re not one of those persons and if you are then that is a habit you have to change. Another thing that can give you a high DEBT is interest, Interest can be very high but because you pay low monthly bills it may not harm you but it does, when shopping for let’s say a new car and your buying this car with a loan you must be sure your getting a very low interest, if you can save with a bank that always have a low interest even if it’s not the bank you normally save in then do it, it is always best to save in more than one bank but not owe more than one of them. There are a lot of people in debt some up to their eye balls with nowhere to turn for help, with all that debt some people even run away. Honestly no matter how bad it may be for you running away is something you should never do, there is help for you, lots of companies and people help people with debt problem you just have to find away to get help let me say this dough a thing you can do is make a list of all the debt you have and work out a way to pay them off bit by bit, some companies may not mind getting a small amount of what you were suppose to pay because something is coming in, while you’re paying off you debt bit by bit with small payable amounts of money something else you should do to help you better, this is very hard to do but it’s only for a little while once you’ve paid off your debt, what I’m I speaking about sacrifice, you have to sacrifice everything you can like snacks, alcohol, going out, jewellery, trips, sex (well I mean if you have to pay for it) and all other types of things you do, all I can say is all you need is food and money to pay for gas or bus fair and take not like how gas prices are going up along with other Item prices best you take a bus. There is also a way you can pay off debt which is by using one loan to pay of all debts which is a good thing because you’ll only have one thing to pay for, dough this is a good move for those persons who can get a loan if you do get that loan make sure you pay off all your debts and not take half the money to pay off few debts and use the rest, that will not work because at the end of the day you will still have the other half of bills to pay for along with the same loan you where suppose to use to pay off all loans, a lot of persons fool themselves by spending the money of the loan they have gotten to pay off their debts for something like a new shoes or that DVD player don’t let that happen to you, this type of thing happens when your wants take over your needs (WANT and NEED) a topic I will soon get to. Here is something that is important when taking a loan to pay off debts, taking a little extra money why? Because let’s assume that you need $100.00 to pay off your debts, $50.00 for KATE, $25.00 for BEST BUY and $25.00 for WAL MAT these bills are moneys over due and there is court orders that you’ve received to pay off these debts, finally you manage to get a loan of $100.00 to pay off the debts but then something terrible has happened to you, you have a toothache which has been brothering you for the past few months and the thing is it’s hurting you on both sides which is preventing you from eating what would you do. (Yes that happened to me if you’re wondering) To make sure a thing like that does not happen to you, you should always take a little more than what you need in case of an emergency remember that. Debt will always be a part of this world and it will control a lot of persons but you don’t have to let it control you, after you’ve worked out a way to pay off you debts do it as quickly as possible and then once your done paying it off you can concentrate on a treat before you start taking yourself to the next level which will help you make more money allowing you to have a better life. WANT and NEED In life there’s lots of things we wants and needs if you already know this then that good for you but if you don’t let me give you a heads up, WANT is when you want things like a car or luxury items, furniture’s and so forth. NEED is basic life essentials such as food, shelter, clothing and so forth. When you’re spending your money buy the things you need not the things you want until you can afford it of course. When you’re in debt focus on the things you need while you pay off your debts and not the things you want. You can expect to be in debt and still go out and buy a new hummer. Focus on what you buying all the time, think and double think if you need the Item first before you buy it rather than just wanting it, anything you want you can have it’s just a matter of time and having some patience ( I paid $1’500.00 for that word). HABIT Habit, we all have them it just depends on what type of habit we have, there is a book about habit I can’t remember the name of it but if you want to learn more about habits you should look for books that speak about it because I can’t tell you everything you need on this topic, what I can tell you is breaking habits are very hard and may never be broken only stopped or used fewer time than normal. I’m sure you know what type of habit you have if not ask a friend or family who’s close to you to tell you what your habit may be, if it is a good habit good for you but be careful persons may want to take advantage of you because of this. If it’s a bad habit you in for a long ride, one stop saying “I’m going to stop” because you never will, instead try to cut down the number of times you do whatever it is you do and then without you even knowing it you may very well stop for example I have a habit, when I get my salary I end up buying lots of things like food that I don’t normally buy, now that I’ve realized this I bring my lunch to work with me on salary day. Once you’ve figured out your habit try your best to fix it. STEALING Stealing, everyone does it (even me) but I’ve come to realize that stealing is a waste of time depending on what you steal and so forth. To me there are two reasons for stealing one to gain things you don’t have and two is selling the stolen item. Honestly if you’re going to steal then steal for yourself and for nothing else, like let’s assume you need a pack of laundry detergent of a food Item then if you’re going to steal, steal that instead rather than stealing something to sell. Stealing stolen items is bad because one, you may have to sell the item for a cheaper price than what the item is worth also the buyer may try and con you by asking for a cheaper price than what you all agreed on at first. Let me give you a reason why i don’t steal which is, think of this for a second, why should you risk you well being to steal an item worth $500.00 then have to sell it for $250.00 when it was you who gone through all the tricks to get the Item, the value of the stolen item should be more than what it’s worth seeing as you put all that work into it to get the Item don’t you think. All and all stealing is bad and it will bring nothing good no matter how you look at it so try not to steal. One thing dough if you going to steal for people please steal form the rich people and not the poor okay. Read More

 

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