A truth about debt

Hippy Tat

I wasn’t going to post this blog for a while, it just feels too personal and it is not a comfortable subject but after seeing an article on the BBC News website today I decided to take the risk and post it.

bbc pic

When I was 22 I lived in London for a year. I had barely enough to eat anything other than pasta and no money at all for heating. Often we wouldn’t be able to afford electricity so we would make up games and play them by candlelight. In many ways it was a creative time but it definitely wasn’t easy.

On one occasion my mum had bought me a coach ticket to go home for the weekend. I had no money on my Oyster Card and literally no money in the bank. I had to walk from my job in Mayfair to Victoria Coach Station in order to get…

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The Pyramid Of Mastery

The Improvement Factory

True mastery comes from being in balance with the most important areas of your life. Doing this is no easy task but if done correctly it will give an extraordinary quality of life. These areas are:

  • Physical Body
  • Emotions and Meaning
  • Relationships
  • Time
  • Career
  • Finances
  • Contribution and Spirituality

Each of these areas requires focus – neglecting any one of them can cause massive pain in your life. To create a life of true fulfillment, you must master all seven areas.While some areas may be stronger than others, it is important that you continue improve each of them. In doing so, you will create more balance in your life. This balance will allow you to create more momentum and power. Continual progress is the way you get bigger and better results while feeling more fulfilled.

To live an extraordinary life, you must know where you are and where you want to be …

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Millennials: Entitled? Or Simply Screwed?

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Image result for Daria quotes

dont date(,) megan

Sometimes, as a Millennial, I get really resentful.  I get tired of the image of our generation being soft and entitled.  I’m tired of being told that we need to just “get on with it”.  This idea that we were simply given too many participation ribbons as children.

The fact is that the world has changed in the past decade… And Millennials are the fodder.

Tutitions began to rise and we came out  of university with record levels of debt.

Jobs, good and steady jobs, became a thing of the past, replaced by contracts that start and stop, and give very little security.

And, housing, dear God, housing.  In the Lower Mainland one can’t win.  Renting is too much.  Owning is too much.  We buy these little places, our small foothold into the market, and then can’t move up.

We put off marriage, babies, as we attempt to get a grip.

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Beginner Budgeting Tips

Finance in Heels

How many time have someone has said that they couldn’t buy something whatever they want, but the next week or next Monday because it’s paycheck? (they are living paycheck to paycheck

I heard this sentence twice a week, and I don’t talk to a lot of people. This really makes me think that we should teach young adults more about budgeting than mathematic in school. And this makes me want to write this article.To help people like me before with no clue where to star and how to do a budget.

There is an epidemic of people just surviving paycheck to paycheck. I’m using the word surviving because that it’s what it’s, they’re surviving with what is left of their salary until the next one come. And this needs to stop, people need to stop living these ways.

“living paycheck to paycheck – it’s not really living anyway – it’s…

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Attitude is Everything – Scientific Proof Thoughts & Intentions Can Alter The Physical World Around Us

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Be Like Water

http://themindunleashed.org/wp-content/uploads/2014/01/i-hate-you-1050x787.jpg

Dr. Masaru Emoto, a researcher and alternative healer from Japan has given the world a good deal of evidence of the magic of positive thinking. He became famous when his water molecule experiments featured in the 2004 film, What The Bleep Do We Know? His experiments demonstrate that human thoughts and intentions can alter physical reality, such as the molecular structure of water. Given that humans are comprised of at least 60% water, his discovery has far reaching implications… can anyone really afford to have negative thoughts or intentions?

The rice experiment is another famous Emoto demonstration of the power of negative thinking (and conversely, the power of positive thinking.) Dr Emoto placed portions of cooked rice into two containers. On one container he wrote “thank you” and on the other “you fool”. He then instructed school children to say the labels on the jars out loud…

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Quick Guide: Renting vs. Buying

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Spot

Are you thinking moving and not sure which route to take? To rent or own?

There are a few things to consider when trying to decide what works best for you and your family…

Are you financially ready?

If you’re buying, you’ll need a down payment to pay upfront that will fund the equity in the property that proves to lenders you’ve got skin in the homeowner game. The amount you’ll need varies, but the standard preferred amount is 20% and that often gets you the best rates.

When renting – in most cases – there’s no need for a hefty down payment. You may have to come up with a deposit, but it’s generally a lot less than the 20% usually required for buying.

Are you ready for monthly mortgage payments?

If you’re buying, this is the amount you’ll pay each month, which in most cases includes principal, interest (both of which are…

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