1.
Manage your money With the global financial crisis taking its toll, the emphasis this year should be on saving, even if you think you're financially sound, still conserve.
We are beginning the year in shaky financial waters.
-Start saving via salary deduction if this is available.
Having a set amount come out of your check before you even see it is a really effective way for most of us to save.
-Do you have a tidy sum of money in the bank, consider putting it in fixed deposit for at least a year.
You'll thank yourself when you see how much it has grown at the end of the year.
The best part is you won't be able to touch it until then even if you are tempted.
-Don't buy what you can't afford, its easy to get things on credit but at the end of the day we are still spending other peoples money.
-Do you have loans? think about consolidating all your loans, then you only have to make one payment.
There are several financial institutions that are now helping people to do this.
2.
Create beautiful spaces.
-Put pictures of those you love on your desk at work.
-Surround yourself with inspirational words.
Print them and paste them on walls where you work if you are allowed.
-Buy inspirational plaques and pictures for your home and hang them somewhere you can see them -Throw out of your house, anything you consider an eye soar.
3.
Help Others -Volunteer.
There are a lot of organizations who could use your time.
This is also one of the best ways I know to get your mind off your own problems.
-Donate to charities.
We might be in shaky financial waters but still give.
You can't lose, whatever is given is always returned tenfold, sometimes hundredfold.
If you want to find great charities that interest you try Charity Navigator.
com.
They even give rating for various charities so you can feel secure about giving.
4.
Start a new hobby -All of us have something we want to try, that we think we have been too busy for or that we have been procrastinating about.
Buy a book about the hobby that interests you, take a class if you can.
Use the internet, sometimes there are great free tutorials or there may be online classes.
-Some of us have hobbies that have been thrown aside in the hustle and bustle of everyday life.
Pick then up again and begin anew.
It will refresh your soul more than you ever thought possible.
5.
Pray This may be my last tip but it certainly not the least.
Make this a year of asking.
Ask for whatever you want, believing that the windows of heaven will open up.
Don't be afraid to ask for something big.
Don't weary in asking, camp outside the gates of heaven this year, remembering that no prayer is ever wasted.
Always begin your prayers with thanksgiving.
Give thanks for every tiny thing and for every big thing.
Prayer is the key that unlocks the heart of God.
Manage your money With the global financial crisis taking its toll, the emphasis this year should be on saving, even if you think you're financially sound, still conserve.
We are beginning the year in shaky financial waters.
-Start saving via salary deduction if this is available.
Having a set amount come out of your check before you even see it is a really effective way for most of us to save.
-Do you have a tidy sum of money in the bank, consider putting it in fixed deposit for at least a year.
You'll thank yourself when you see how much it has grown at the end of the year.
The best part is you won't be able to touch it until then even if you are tempted.
-Don't buy what you can't afford, its easy to get things on credit but at the end of the day we are still spending other peoples money.
-Do you have loans? think about consolidating all your loans, then you only have to make one payment.
There are several financial institutions that are now helping people to do this.
2.
Create beautiful spaces.
-Put pictures of those you love on your desk at work.
-Surround yourself with inspirational words.
Print them and paste them on walls where you work if you are allowed.
-Buy inspirational plaques and pictures for your home and hang them somewhere you can see them -Throw out of your house, anything you consider an eye soar.
3.
Help Others -Volunteer.
There are a lot of organizations who could use your time.
This is also one of the best ways I know to get your mind off your own problems.
-Donate to charities.
We might be in shaky financial waters but still give.
You can't lose, whatever is given is always returned tenfold, sometimes hundredfold.
If you want to find great charities that interest you try Charity Navigator.
com.
They even give rating for various charities so you can feel secure about giving.
4.
Start a new hobby -All of us have something we want to try, that we think we have been too busy for or that we have been procrastinating about.
Buy a book about the hobby that interests you, take a class if you can.
Use the internet, sometimes there are great free tutorials or there may be online classes.
-Some of us have hobbies that have been thrown aside in the hustle and bustle of everyday life.
Pick then up again and begin anew.
It will refresh your soul more than you ever thought possible.
5.
Pray This may be my last tip but it certainly not the least.
Make this a year of asking.
Ask for whatever you want, believing that the windows of heaven will open up.
Don't be afraid to ask for something big.
Don't weary in asking, camp outside the gates of heaven this year, remembering that no prayer is ever wasted.
Always begin your prayers with thanksgiving.
Give thanks for every tiny thing and for every big thing.
Prayer is the key that unlocks the heart of God.