How to save money and not live like a pauper?

Money jarIt is a bitter truth that our lives revolve around earning money. We cannot discriminate between needs and wants.

Luxuries have now become a necessity because we want to compete in the race of attaining a high social status. I am a keen believer of the fact that there is always a way to materialize your dreams provided you act a bit smart.

Well the simplest way out is by saving money. When you would spend smartly you would always be able to fulfill your dreams.

Now most of us want to go out of the country for our holidays. Well that is an expensive deal so I am just going to suggest some smart ways through which you can save up money.

  1. The most important tip is to keep track of your expenses. When you will track your expenses you would never run out of money. Maintain a checklist. See how much money you spend throughout the month and how much money you are left with. Try spending on your essentials only. It may seem difficult, but you have to cut down on your expenses if you want to go out of the country for your holidays.
  2. Identify your needs. For example, do you really a forty-two inch flat screen TV? Now this does not fall in the category of a need so you can delay it.
  3. Paying with cashTry to pay your bills through cash. Most of you make a common mistake and that is you try to settle your bills through a credit card. This means a lot of payments in the future so you have to take care of this aspect.
  4. You should make it a point to have a separate saving account. You can directly deposit amount into your saving account. You can even opt for automatic transfer system for transferring amount into your saving account.
  5. Try figuring out best insurance policies at the best prices.
  6. Buy gifts smartly. You may be enticed to opt for the most expensive gift items, but you might regret it later when you run out of money.
  7. Online bill payments are the most effective way to save money on stamps and secondly you would be making your payments on time.
  8. You can conserve energy and cut down on your energy bills. Turn off lights and appliances when they are not needed. You would recognize this later that this would have a considerable impact on your expenses.
  9. Eating out and home delivery food does sound fun. However, this can disturb your budget. You can save this money and utilize it later when you go on a trip to another country.
  10. Last, but not the least you do not have to go in for designer labels. Most of the time reasonably priced items are quite good. You need to get all these thought out of your mind. When you have a contended and satisfied life even the simplest of wardrobe looks good. The real happiness lies inside you and not in your clothes.

I am preaching these tips after practicing them. This is the reason that my sons have understood the value of money.

Our family has been able to go on international holidays because we have stuck to these tips and we do not have regrets. I have spent quality time with my family and that matters to me the most in this world.

I strongly believe that money should not be ruling the life of any individual and I have benefited through this school of thought.

O’ Canada! Brrrrrr

Help me - I am boredIt is incredibly cold in winter in Canada. At times this weather becomes dull and boring. I love going out with my three sons, but winter restricts our outdoor activities. Personally I do not like the cold weather because of restrictions that it imposes on me.

Finally I figured out a way to generate some winter activities for me and this is how I stepped into woodwork. Now I feel that when you are sitting back home doing nothing then negative thoughts come across your mind.

These negative thoughts rip off the positivity from you so woodwork was the way out for me. Secondly, I am a workaholic.

I want to keep myself busy and I also want to teach a very important lesson to my sons and that is to value time. Every moment can take us to new heights of success.

I wanted to become an example for my children how to utilize their free time and explore their hidden talent.  When I started woodwork I never knew that it would become addictive for me, but now it is.

Father and son - happy at the workshopThe interesting part is that this work is so different from being an accountant. Well once I started woodwork winters never sounded that boring because my woodwork kept me busy for hours and hours. Being busy is bliss because you are utilizing every moment of your life in doing something worthwhile.

My sons love to go out and winters used to be a boring time for them as well, but not anymore. They also enjoy watching me at work and they feel proud that I make good use of my time.

I believe that a person who is multi-talented would never run out of work because he would have so many options coming his way.

Now every winter morning is exciting for me because I have interesting work to do. Creating great wood craft is a source of joy for me and gives me a sense of accomplishment that is hard to put in words.

You need to derive your source of joy from your work and every day would be a happy moment for you.

My life is an example that you just do not have struggle to survive in just one profession. There are so many things that you can do.

I learnt to beat the boring cold weather through my creative woodwork and you can do the same. Do not let weather or circumstances become a hurdle.

Your spirit should be alive and life would become worth living. Every night I have a sound sleep because I feel that I am a productive member of the family and I am teaching the right lesson to my sons as well.

Now even they are interested in my work. Now winter season is the harbinger of joy and happiness for me because I know that I can remain occupied with my woodwork all day. Life cannot get better than this.

Try figuring out your winter favorite activities and bring back the joy in your life.

The Limited Entertainment Options in New Zealand

New Zealand is frequently regarded as a place endowed with fun outdoor and natural entertainment. But then later on, guests find it as a place that has a reverberating and diverse entertainment sites with its cities and towns offering a vast entertainment venue such as racing tracks, musical and movie theatres, casinos, outdoor pool and resorts, pubs and clubs for those who want to enjoy the night and restaurants.

New Zealand

Tourists who have children and teenagers with them will greatly enjoy spending their holidays in New Zealand because of their family and friends events being organized throughout the season. Vacations also become memorable when spent in New Zealand because of the unique landscape and scenery that make a good memento for the vacation. But how about those that reside in the place who have gotten used to these natural entertainment and city enjoyment?

One entertainment options for residents of New Zealand aside from online surfing and social media engagement is watching movies online; Netflix in New Zealand have become a go-to entertainment option for most people who want to sit and back and relax in the very comfort of their own homes. With a wide range of movie or show options available, you can prepare your choice of snack and sit back as you enjoy.

This type of entertainment is one that most people prefer because it requires less preparation and effort. You can subscribe to it on a monthly or yearly basis or simply visit the site and see some trailers before you actually choose your movie.

Entertainment is an important part of life; it is a good way to counter the stress we get from living our day-to-day life and work as well. Entertainment allows us to enjoy some “me-time” and care about other concerns but getting entertained. When we practice a good balance between work (stress) and relaxation, we become more productive in other areas of our work.

Choosing an entertainment option depends on how one views entertainment. While some require physical activities to be entertained such as sports and other outdoor activities, some like it settle and stress-free; a couch, an internet connection or simple a movie.

Netflix in New Zealand offers this kind of entertainment to people there and they’re getting quite good responses from them too. Because entertainment can be tagged as an essential, it is important to identify which type fascinates you. It all boils down to personal preference when it comes to past time and entertainment.

A good movie or a run in the park; either of the two can amuse people. And for those residing or visiting New Zealand, both are available for your consumption.

You can look up for outdoor venue suggestions and visit Netflix’s website for instructions on how to avail of their products and how you can actually enjoy them; may it be just you or for the entire family, getting your dose of entertainment surely depends on how you view it.

Life Lesson: No win, no fee accident claims – are they worth it?

Anyone who has been involved in an accident, which resulted to injury, is eligible to file an accident claim if the other party was the reason for the accident.

accident-claimPeople today are pretty much aware of this, and how their legal rights play the role. What keeps most people from doing this action and taking matters further, is the high cost of acquiring legal services.

Lawyers’ fees have become too high for people, especially those who have no immediate or sufficient funds, to make accident claims possible.

A department store sales lady once met an accident on the road leaving her unable to report for work for the next two weeks. It was found out that the other party was responsible for the accident because he was driving a truck with fault brake lines.

Although it was clear that the driver was the one responsible for the accident, she still couldn’t find herself settling the incident legally because lawyers’ professional fees are way too high for her monthly income. The end result was her getting a medical treatment, which was paid by the driver of the other party.

The no win no fee accident claim resolves this problem. The claimants are given fair opportunity of acquiring the compensation they deserve after the accident, even if they do not have the money to pay for the upfront fees of the legal service.

The no win no fee accident claim allows you, the claimant, to pay your solicitor, only if you have won the case. Otherwise, no fee shall be made.

The introduction of this type of claim has made quite a buzz in the world of legal proceedings.

car-accidentAnd whilst it is expected for most legal counsels and lawyers to disagree with such claim, surprisingly, a lot of solicitors have taken the challenge.

I personally believe this to be quite relevant. The claimants are protected from shelling out money with no guarantee of winning the case after they have sustained all the injury of the accidents.

On the other hand, the solicitors and lawyers are challenged to give their best shot at trying to win their clients’ case, otherwise they wouldn’t be getting their pay for their service. It’s much like service with quality control.

Accidents are inevitable, and with this no win no fee accident claim available for all to take part of, we now have a chance of getting what is due to us.

There is no need to worry about whether we will only be wasting money to pay for legal services.

If the other party has an existing insurance, it will cover the bigger part of the legal fee, provided the accident claim is successful (in favor of you).

If the accident claim is unsuccessful, you will not be paying your solicitor’s fee. Also, personal accident claims are usually limited to 3 years for you to file a claim.

It is therefore important that you take action promptly if you decide to file a claim. That is my advice and I’ve been there.

A man and his workshop

I have always loved my profession because I know that I would not be able to excel in my profession if I do not have the liking for the job.

I know one thing for sure that being organized is the secret to success. My workshop is equipped with all the necessary tools.

This way I can work without any trouble. Wood work is a critical job and there is no room for mistakes. Over the year I have mastered the art. I would just give you a small list of tools that should be there in your workshop for sure.

  • Claw hammerThe most important tool is the claw hammer. Your claw hammer needs to be properly balanced because a poorly balanced claw hammer would twist in your hands. You need to take care of your wrist and hands as well so if you need to hammer in a lot of nails then go for a wooden handle claw hammer.
  • Your workshop should have a tape measure as well. You should try opting for a retractable tape measure and it should be about twenty-five feet long. If you get a longer tape measure it might be troublesome to roll it back.
  • You should also get hold of a utility knife that has disposable blades. This knife is ideal for scribing wood
  • Pinless wood moisture meterYou need a wood moisture meter in your workshop as well. This tool will ensure the long-term success of a woodworking project. Do not go for moisture meters having pins because they penetrate into the surface of the wood. This leaves holes in the wood. Go for pinless moisture meters that are unaffected by surface moisture on wood.
  • You should be having chisels in your shop as well. They have a lot of utility. They help clean out joints. The best chisels are the carbon-steel ones. Choose hardwood grips having metal caps because they would prevent the chisel handle from malformation so they are the ideal selection for sure.

Once you will be having these basic tools in your workshop working would become a lot more fun and you would enjoy the activity.

My work gives me a sense of satisfaction and I am happy that I earn my bread through hard work. My workshop is one place where I explore my skill and creativity and my tools are my assets. I could not have chosen a better profession for sure.