Many people spend money in different ways. Some only spend a little, yet others (over half of Americans) spend freely with little concern about debt.
I would like to think I’m somewhere in the middle. I don’t carry credit card debt and have over six months of an emergency fund, but I do believe in the old Greek saying that translates to everything in moderation, even saving money.
Obviously, you can’t save everything you make, or you wouldn’t be able to pay your bills. But saving money often becomes a problem, especially if you are in debt.
Yes, saving money is difficult. Yet, you will find once you start training yourself to save, you will learn to like it and keep your money by creating separate sinking funds for everything.
It will feel great when Christmas rolls around and you have money for gifts this year!
How to do Your Household Chores Fast Without Complete Overwhelm – Cleaning Tips
How many of you LOVE housework? I’m picturing all of you with your hands down!
I’m right there with you? After having my second baby, I felt like my house was chronically messy and although I truly believe everyone that says we should leave the house messy and play with our children, I was having a hard time coping with the overwhelm of messiness! I realized I needed a plan to keep a clean house and it needed to be something I would be able to keep up with. However, with a toddler and a baby household chores seemed so overwhelming.
The Science Behind House Cleaning
Woman’s brains perceive clutter differently than men’s. A study from the January Issue of The Journal of Neuroscience from The Princeton Neuroscience Institute states, “Multiple stimuli present in the visual field at the same time compete for neural representation by mutually suppressing their evoked activity throughout visual cortex, providing a neural correlate for the limited processing capacity of the visual system.”
In everyday terms, the more stuff and clutter you have in your home, the more stressed out and less productive you will be. As a result, it is more difficult to focus because clutter is competing for the brain’s attention. This means as a mom, you can never truly relax. Before I read the research, I knew I felt this way often. Now I know why.
So even though I spend a lot of time with my kids, I’ll opt for a clean house too which will help all parties involved because we will save my sanity! You can follow suit with this fool-proof method! Also, the best part is that will only take 25 minutes in the morning and 20 minutes in the evening. That is just 45 minutes a day, broken up into small accomplishments.
Dave Ramsey is a financial guru that has been through it all. He was a millionaire at age 26 but lost it all, only to turn it around and come back stronger at a net worth of around $55 million. Dave made it his mission to help others learn from his mistakes and to leave debt in the past.
Dave often uses biblical references to teach people about money. Moreover, he is known to quote Proverbs 22:7 stating, “The rich rule over the poor, and the borrower is a slave to the lender.” After losing it all Dave has quickly built up his wealth, maintained his marriage, and now helps people learn the value of a dollar. Nonetheless, he teaches people how to pay down debt with his debt snowball methods.
Not only does Dave have New York Times Bestselling books he also created a class called “Financial Peace University” where he teaches live or video versions of his baby steps method for becoming debt-free and building wealth.
