HOW I AM LIVING

MONEY MONEY is what the world runs on and we all need it, a lot of people (me including) don’t have it, some can’t get it, others do anything for it. It does not matter how you look at it, spin it, twist it the fact remains that we need money. Dough you may have a job or getting money by other means is that the type of money you want, is it enough to buy your needs and wants. Money is a tricky thing one you and every other person should pay close attention to, when you get a job I bet you’re happy especially depending on how long it took you to get that job, you think of the things you’re going to buy which may be a lot of things seeing as you have needs. First let me tell you take it easy, you’ll have enough time to buy all what you desire, I can’t tell you what’s the first thing you should buy because of the situation you may be in, what I can tell you is you need a strategy as to what you want out of life also you need to know what your wants and needs are this can help you to buy the important things you need rather than the things you may just use one day and toss it a side, your money is what you’ve worked very hard for and you should spend it wisely because you could get you salary this afternoon and by next day you money finish, believe me it’s true I know of persons this has happened to. I’m going to tell you the different topics of money, there is SALARY, SAVINGS, FOOD, EXPENSE, MONLTH BILLS, SECONDARY BILLS, LOANS, RENT and RELATIONSHIP. All these topics play a very important part in our lives. I’m going to tell you about five of these topics for now let’s start first with FOOD. FOOD FOOD we all love it well depending on what it is, I’m sure you know how to make your list of Items you need and so forth but if you have a carrier you want to achieve and you’ve cut down on a lot of things guess what food has to be one of them, food is something everyone must buy and when it comes to your stomach you should not mess around you don’t want to get an lacerated stomach. When you go out to shop I’m sure you realize that a lot of different supermarkets have different prices for the same Item, for example JAMES supermarket will have a lower price for their MAC N CHEESE than a 7-11 supermarket, also the brand of the Item is very important as well, some brand has better taste than the other but may cost more, you must wonder which one is better, better taste or lower price. It all depends on you the person who’s making the list of the items you need and where you’re going to buy it. Now if your thinking of buying a macaroni and cheese at JAMES supermarket which costs $1.59 then head over to the 7-11 supermarket to buy milk which is much cheaper there $1.25 than at JAMES supermarket which costs $1.80 then that’s a bad Idea even if it looks like you saving $0.55 cents. Even if you save that little bit of money it helps but why it’s a bad Idea to go all the way to the 7-11 supermarket to buy the milk is because of the bus fair of gas you use up, if you saved that $0.55 cents from the milk you would still have to use it to pay for the bus fair or gas and that don’t make since. Some supermarkets overall have more cheaper Items than another supermarkets, let’s assume that WALMART has that same milk for $1.40 and the macaroni and cheese for $1.25 besides most of the other Items you need which also cost cheaper than JAMES and the 7-11 supermarket then it’s in your best interest to buy everything at WALMART even if there maybe one or two Items that may be a little more costly. If it’s an Item you always use then try to buy it in bulk. Another thing is when you buy an Item you use depending on the amount of persons that use the Item you should figure out whether you need a large portion or a small portion of the Item for example you and buy a tin of corn which comes in two sizes a small and a large, do you know that it is cheaper to buy a large corn than two buy two small ones depending on how much you’re going to use, so you should always take note of things like this making sure you don’t over spend. Another way you can waste money is when you buy a lot of an Item then you little bit in it and put the rest of the item in the fridge which spoils. Don’t let this happen to you, but we all know it happens. As I keep saying everything depends on how your living meaning what Items you buy depends on whether you live alone or with your kids or with a roommate etc. You have to balance it out and make it work for you best you can. Next we move on to RENT. RENT Rent, what I’m referring to is house rent. Renting is a troubling thing at times. When looking for a home or an apartment to rent try to get one that is in walking distance to your work place or one that takes less bus fair to get to and from your home, also try to get a house or an apartment that is semi furnished that way you don’t have to worry about buying too much appliances but remember to take care of them as well cause you don’t want to lose your deposit. The most important appliances you need are a stove, fridge, bed and a washing machine that’s just for starters. Make a note that when you find a place you would like to live in ask about the place, like how does the place hold up in rainy season, if all outstanding bills are paid out, you don’t want to move to a place and after a month your getting a water or light bill of x amount of money which you did not have anything to do with, also some landlords are mean and maybe a liars so get to know your landlord a bit before you rush in and pay the deposit for the house or apartment. Besides that also check the place inside out, look for ways a bugler can get in, if you notice anything out of the ordinary let your landlord know of this before you move in, some landlords after their tenants inform them of something they have noticed they never do anything about it, so don’t want that to happen to you. Be sure to also check and see how long it would take an ambulance as well as a fire truck to get to where you live in case of an accident, get a house or an apartment that gives you an advantage not a disadvantage. Seeing as your looking for you new house or apartment be sure to check for the price, don’t rent a house and still have to pay a bus fair to work it’s a waste of money. There is one more thing that you should beware of when renting which is sharing a house or an apartment with someone this topic we shall look into another time. MONTHLY BILLS Monthly bills are bills that you receive every month such as light, phone and water bill. Monthly bills are bills you don’t really have control over because these bills always come no matter how low your bills are. You should always try your best to keep these bills low as possible, because the cost of living is always going up meaning what you use to pay a $1.00 for is now $1.50 can you imagine paying more money than usual for same Item or thing you a custom of paying for. A bill that depends on how you use it is your phone bills which at one time is more and at other times is less but again remember it depends on how you use it even if there’s a service charge. I remember I use to live for my phone company because I always had a high phone bill it’s only now that this does not happen to me again, one thing I can say only call when you need to call and not just calling because you’re feeling lonely also don’t use your home phone to call cell phones because that rates are higher, most times when we chatting with a loved one we tend to forget were on a home phone cell phone call. Be sure to look out for deals or promotions which can be used to your advantage. Besides the phone bill pay attention to other bills like your light bill, water, internet and so forth all these monthly bills if high can stack up on you and put you in debt without you even realizing it. SECONDARY BILLS Secondary bills are bills you add onto yourself such as internet, a new television you took on hire purchase, a $100.00 dollar you borrowed, someone you owing because they fixed the licking pipe, these are just a few of the things that are called secondary bills. You should also pay close attention to these type of bills as well, secondary bills I would say falls under wants rather than needs because while you may need a television with direct TV to watch you may only want to get the internet. Don’t go and add secondary bills onto your back spending money for Items you don’t need as yet. Example you want the internet, to get that you need a telephone line you also need a computer (desk top) or a laptop, all these Items can cost you lots of money maybe not in the USA because it’s cheaper there but elsewhere in other countries like mines it’s very costly, you should only get into things like that if you have the extra money to spend as well as if you need it for important things not just for chatting with friends and looking at porn. Secondary bills can be tricky to manage because you always have wants also sometimes you want an Item so much (bad) you go and buy a second hand Item. For example I bought a second hand computer it cost me $1’500.00 EC which is around $550.00 US what I did not know was the amount of work and money I’d have to put into it, from one to the next something bad kept happening first I made a mistake and blew the power supply which cost me, then the key board then the mouse and so on and so on boy was I a fool. Let my mistake be a lesion you should learn from. Electrical Items such as DVD players or computers or laptops are things you should not buy second hand also if you intend on buying desktop (computer) dough it maybe more expensive buy a laptop instead because it only uses one power cord and can be charged up giving you few hours without needing to use electricity. Your gold is to make money not go out and spend it all away, think how do you expect to make money when all you do is spend it carelessly remember to focus on your wants and needs that way you know exactly what you desire. Now that you know what you’re monthly and secondary bills are it’s time to move on to EXPENSE MONEY. EXPENSE MONEY EXPENSE MONEY is the money that remains after you’ve paid all or most of you monthly, secondary bills as well as you food money and your savings etc. Your expense money can buy you secondary Items or it can be used to give yourself a treat. Sometimes after you’ve paid your bills you may have few extra dollars which is you expense money or other times you may not have at all. Be sure to spend your expense money wisely and don’t just go run off and buy expensive things. Dough there is few more things I can say I’ll keep it simple don’t over spend if your income is $100.00 then don’t bring up your entire bills pass that amount. Here is a HOUSEHOLD BUDGET SUMMARY CHART to help you balance the way your living. HOUSEHOLD BUDGET SUMMARY CHART YOU’RE INCOME: YOU’RE SPOUSE INCOME: OTHER INCOME EXPECTED: TOTAL EXPECTED INCOME EXPENSES: FOOD: HOME; (MORTGAGE, RENT, REPAIRS): UTILLITIES: TAXES; (INCLUDING TAXES ON PRINCIPAL HOME): MEDICAL EXPENSE; (DOCTOR, DENTIST, PRESCRIPTIONS): CLOTHING; (FOR YOU ALONE OR WHOLE FAMILY): TRAINPORTATION; (GAS, PARKING, MAINTENANCE, PUBLIC TRANSIT, ETCETERA): LIFE AND INDIVIDUAL HEALTH INSURANCE; (DISABILLITY, LONG TERM CARE): CURRENT EDUCATION; (HIGH SCHOOL DIPLOMA, CXC’S): CHILD CARE EXPENSES: VACATIONS: HOME IMPROVEMENT AND FURNISHING: ENTERTAINMENT AND RECREATION: CHARITY AND GIFTS; (CHURCH, GIFTS, DONATIONS, BIRTHDAYS, ETCETERA): SAVINGS: INVESTMENTS: EDUCATION FUND: And that’s it for you household budget summary chart. If I’ve missed something then you can add it in. All these things that are on the household budget summary chart are a part of life and it will cost you money, for those who have the money to afford all these things well done but for others like myself we have a lot of work to do. It’s a sensual you keep up to the game and not let you’re self fall back. Stay focus on what’s important to you, your wants your needs your gold’s which you want to achieve and work towards getting them no matter how hard, tiring or frustrating it may be. LAST WORDS Again thank you for taking the time out to read my book. All the topics that I spoke about is just about everyday living the thing is we spend a lot of money on our everyday living while we say to our selves “ things are bad, I not going anywhere”. And so forth not realizing that the things we are doing is what is preventing us from achieving our gold’s besides other flaws. There are few topics that I did not speak about such as, BORROWING, SUCSSES, RELANTIONSHIP, LOANS, SALARY, SAVINGS, IDEAS and RESOURCES. In time I will get to them. My book dough it speaks about everyday living topics the book is really all about three main topics, MONEY, RESOURCES and SUCSSES. While you gold in life is to have a better life for yourself etc. You get a lot of problems along the way let me tell you few more things to help you. A lot of persons have Ideas which they want to pursue these Ideas can sometimes work while others fail because of lots of reasons such as lack of money or resources or unreliable people etc. While an Idea can make you a lot of money if it works some can live you dead broke or even worst broke and in debt, this is something that you should avoid letting happen to you. Be sure to have something to back you up or a safety net to help you in the likely event that an Idea which cost you a large sum of money went belly up. Internet is a good thing to have but it also has lots of bad things there as well especially if you’re looking for a way to make money, be sure to look out for internet fraud, for example once a guy on the internet emailed me and told me some crap about I was related to a man who passed away, it seemed that the man had left a very large sum of money and because me and the man had the same last name I could pretend to be a relative and receive the money not forgetting that I had to send a small few to help the process along which was all a lie except for the part about sending the money, also data entry companies while some may work others steal you money giving you empty promises like this company INETDATAENTRY trust me it sure fooled me, while you’re looking for a way to make money be sure to look out for all these companies that may try to scam you. When things are not going your way don’t let that keep you down instead let that be the drive you need to push you even harder, there are two sayings that I like to use one is “LET YOUR MASTER BE YOUR AMBITION”, and the other is “YOU ARE YOUR OWN WORST ENEMY”. You can be your worst enemy that is why you should pay attention to your habits and so forth which can prevent you from achieving your dreams. People play a very important part on your quest to achieve your gold’s, some persons may try to help you while others try to pull you down. Prey and look to god for guidance, trust and have confidence in yourself, even if you have negative energy around you use it to your advantage make it into positive energy which can keep you moving. My name is H. RICHMOND SAMUEL I hope that after reading my book you’ve come to realize that you’re not the only one trying to achieve something as well as using what you read about to your advantage which can help you grow in life. If you have any questions or comments you can email me at Richmond_epyun@yahoo.com or epyun_adds@hotmail.com you can also add me to your hotmail messenger that way you can ask me anything you want and get a response right away, I’m on almost every day but not at evenings. THANK YOU. ...

 

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