Saving thousands while still spending.
Millionaires make up just 2 percent of the population. They get a bad rap during recessions for being wasteful with their money and are frequently used as examples of excess. It's the millionaires that you don't see that you can learn from in times like these. I call them the frugal millionaires and interviewed 70 of them to uncover ways we can all be smarter with money.
Nearly 70 percent of the economy is based on consumer spending. To keep the economy going we need to keep spending but not waste money in the process. This is where the frugal millionaires come in. They've been smart with their money all along and haven't lost it all and had to remake it. These are the kind of people you want to learn from when it comes to spending your money.
Spending philosophy.
Frugal millionaires are unique thinkers when it comes to spending money: 1) they can easily delay their need for gratification when purchasing; 2) they are resourceful in getting what they want by carefully timing their consumer purchases; 3) they make living below their means painless; 4) they don't like wasting anything (especially money); 5) their sense of "self-entitlement" is highly minimized: and 6) spending is OK with them...depending on what they are buying (think: appreciating vs. depreciating assets).
[For more, see, "10 Secrets of Millionaires' Money Management."]
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These 10 habits of highly successful women are practical, easy, and effective — and they’re what “See Jane Soar” is all about! These tips for success range from maintaining your hormonal balance to letting go of the past - and they affect your mind, body, and soul.
First, a quotation from writer Anais Nin:
“Dreams pass into the reality of action. From the action stems the dream again; and this interdependence produces the highest form of living.”
Taking action is one of the most important habits of successful women…and so is dreaming. For inspiration and practical advice for succeeding in life after failure or knock-out punches, click on This is Not the Life I Ordered: 50 Ways to Keep Your Head Above Water When Life Keeps Dragging You Down by Deborah Collins Stephens et al.
10 Habits of Highly Successful Women
1. Maintain your hormonal balance. Are you moody, exhausted, irritable, or sad? Check your hormones. If they’re out of whack, then you’ll struggle to be successful! Make sure you’re getting enough protein and vitamins, and decrease your refined sugars and carbohydrates.
2. Forgive yourself for your mistakes. Highly successful women don’t obsess or feel guilty about past choices or failures. They make mistakes, move on, and apply what they’ve learned to new situations.
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Eaten many coconuts lately? How about cherries or blueberries or grass-fed beef?
You should, because these are all foods with powerful health properties. However, few people pack their grocery carts full of these items.
Take kiwifruit. It's chock full of vitamin C--a whopping 115% of what you need to eat in a day. It's also low in calories--just 45 per fruit, sans skin.
"In America, most people don't eat three servings of fruit and vegetables a day," says nutritionist Jonny Bowden, author of seven books including, most recently, The 150 Most Effective Ways to Boost Your Energy. According to him, there are 10 very healthy foods we don't eat enough of. For more read here.
Although we like to think that the people in our lives are well-adjusted, happy, healthy minded individuals, we sometimes realize that it just isn't so. Personally, I've had moments where I'll be skipping through my day, happy as can be, thinking life is grand and BAM, I'll be blindsided by someone who manages to knock the happy wind out of my sails. Sometimes it is easy to write it off and other times, not so much.
Maybe you are a positive person, but when you are around a certain individual, you feel negative. Or, maybe you have an idealistic view of the world and when you are with certain people, you are made to feel silly, unrealistic or delusional. Or, maybe you pride yourself in being completely independent and in control of your life, but when you are around a certain family member, you regress into a state of childhood.
Some of these situations, and yes, these people, can have a tremendously negative impact on our lives. And, although we are all human and have our 'issues,' some 'issues' are quite frankly, toxic. They are toxic to our happiness. They are toxic to our mental outlook. They are toxic to our self-esteem. And they are toxic to our lives. They can suck the life out of us and even shorten our lifespan.
Here are the worst of the toxic personalities out there and how to spot them:
1. Manipulative Mary: These individuals are experts at manipulation tactics. Is a matter of fact, you may not even realize you have been manipulated until it is too late. These individuals figure out what your 'buttons' are, and push them to get what they want.
