Life Of Self Improvement


If you are reading this, you’re likely interested in searching for ways to control your finances. Developing and sticking to a monthly budget has always been one of the ideal methods to do this. A sound budget is an essential tool for managing money, one that has allowed me to survive even on limited funds. Monitoring my monthly budget is one of the most critical things I do every month, and it has allowed me to consistently meet all expenditures, grow my savings, and control debt.

I map out my budget for the coming month towards the end of the month. This gives me a better view of my expenditure in the coming month. It’s not a good idea to develop a budget after getting paid because, too often, that flush feeling of getting a paycheck results to unessential and impulsive spending before the paycheck ever reaches the bank.

Start your personal budget by listing all the things that must be paid that month like rent, electricity bills, insurance policies, loan repayments and telephone bills. These are the things I have pay to keep a comfortable roof over my head and continue earning money. I like to pad these requirements to make “money back” after paying the bills and, if costs increase circumstantially, I’m always covered.

Next, my budget is subjected to a list of discretionary things I need to cover but could live without if absolutely unavoidable. These items may include monthly savings deposits, credit card repayments, and donations to charity. These things are also needed, but in case of emergency I could put them off for a short time. By giving credit card companies the maximum instead of the minimum, I keep my credit score high and my debt low.

My budget will not include the cost of food, clothing, or entertainment. Ultimately, these items get covered by what’s left in the budget. Some months involve lots of beans and rice, slow-cooker meals, free or cheap entertainment, and only one inexpensive piece of clothing . This strategy of overseeing my monthly budget has worked out very well over the long term as long as I observe it conscientiously.

It’s not that you fail when you fill somebody with light and then release them, and then turn around and stick your foot in your mouth; it’s that there’s some stuff going on. What we talked about previously, about the ways in which we utilize the techniques of Deity Yoga in our daily lives, is this very thing. We identify with the orientation of being victimized within a situation. We allow that sense of being victimized to be the superstructure of our perception upon which all circumstance, all perceived circumstance, is kind of hung. So that eventually, no matter how positive the circumstance on a momentary basis may be, we’re going to see it in terms of our victimization.
In other words, that superstructure is kind of like the core flavor, or the fundamental note, in interpreting phenomena, and that’s why after a while, we just couldn’t hold the new position as easily.

It literally organizes your perception of circumstance around it, so that no matter what the circumstance may be, it takes the form of the organizing superstructure. Now, it’s really great to recognize that this happens in us, and that this happens on a regular basis. This is the way we live our lives.

It truly is a gift, because with it is a recognitionagain, going back to the ideals of The Everyday Sanyasinthat we have the power to change. The power to change is in of itself a very empowering experience. If you feel you have the power to change then you won’t be looking for that power outside of yourself. And if you are not looking for that power outside of yourself then your lack of dependency on others actually makes you more powerful because you are not depending on them for your power!

Between regular monthly bills and unforeseen expenses, it seemed I was always upside down on my budget. My paycheck was already spent as soon as I received it. I got a lot of bills every month and put them off to the last minute, then did them all in a hurry. As a solution I ended up taking money from the next paycheck just to make it through. The problem was not related to how much money I made, it’s that I didn’t know how to manage my budget. Worse yet, any emergency landed me even further in debt.

I am positive most of us have been in this position. We try to be cautious with our money, but long before month-end, the money is gone. Paying bills is a juggling act that we don’t have the time or energy to comprehend. There’s always one bill that was forgotten or delayed, one more expenditure we weren’t prepared for. With school supplies and fees for the kids, groceries, new tyres for the car, and the raising cost of petrol, just making it from paycheck to paycheck is challenging enough; saving money is out of the question. Meanwhile, debt is slowly piling up. How can I get my budget under control?

Fortunately for me, I discovered a service which will help me budget my money more sagely and take away the stress of paying off monthly bills, letting me concentrate on the things that really matter to my family. No more distressing about where the money will come from; I can finally relax, knowing that my finances are in good hands.

The financial planning process:
During your first consultation, your budget specialist will evaluate all of your present debts and monthly payments to come up with a program that works for you. They will handle your money, setting aside money for savings, emergencies, and long term investment, ensuring your family’s financial security. If you are planning a major purchase, this will be figured into your budget so that when you are ready to buy, the money will be there for you.

Your paychecks are typically deposited with your financial planner, and a separate account is set up for your living expenses. Your bills are directly delivered to your budgeting consultant for payment. Some budget services will even negotiate with your creditors to lower your monthly payments and reduce your outstanding debt. A affordable monthly fee is assessed for all these services.

For me, the most important monthly service my budget specialist provides is peace of mind. I don’t have to stress about paying any bills; I know my bills will be paid on time, and that I’ll have money in reservation for life’s little emergencies. My budget is finally under control, thanks to my financial planning service.

I never imagined the radiant Belinda Sharp, my youthful partner in crime, would accessorize with medical wigs. Her iconic hair and fashion added so much to her attitude. Guess what? The woman will be eternally known because of her impeccable looks. Very few can tell she confidently masks her medical hair loss under lace front wigs. It’s not so unusual.

Back in the day as mere children in Arizona, we regularly stole the spotlights to every dance. But in college her hair loss reared its head and she went bald. I hinted about these human hair wigs. Oh well, she shrugged it off. What a strong soul, she aggressively fully owned her bald-headed look.

Appearing at her fiance’s golf competition, we ate nuts until some kluts purposefully launched the puck (or that thing they use) towards the fans. Quick on her feet, she jumped up for it when her head scarf landed in a beer, unveiling her shiny head. No big deal, she lobbed it playfully into the goal. That’s so her!

Of course, who can be invincible at all times? Once we got together for a mid-day lemonade chat, the day she quietly revealed that she opts to go bald out of anger. She missed her natural hair too much to think about medical wigs, even if she wanted her hair back. At that disclosure, miss invincible grew embarrassed and asked that I drop it. I thought “oh, well.”

I wanted to help so bad. Shortly after, I asked her about settling the wig issue. After a long deliberation we arrived at an agreement: we’d buy each other wigs One for me and one for her.

We had a great time, amazed by how natural they looked. I never knew that wigs were so confidence inspiring for beautiful people and famous actors. These lace front wigs brought out her youthful spirit. I built an entirely creative ensemble to go with my wig. We do it all together, if you haven’t heard. Last Christmas she thanked me for her dignified synthetic wig, and confessed it invites a fresh spirit for many occasions. It’s my pleasure to realize my best friend reclaim her beauty. We both are.

Seldom do we witness youths and young adults in their early twenties with spots of hair lacking from their scalps. The majority of hair loss in men occurs in their 30’s & forties although it isn’t uncommon from men in their late twenties to start losing hair as well. The thought of aging is feared throughout today’s society. Where aging was once upon a time a symbol of awareness and judiciousness, it is currently in many instances looked upon as if the older you get, the more unexciting you become. All this is absolutely not TRUE in most cases. Nonetheless, since this is how the media & current society paint middle aged men & women, and losing hair is a symbol of getting elder, it is no disbelieve that hair loss can affect someone’s self-esteem.

TV shows repeatedly portray middle aged men with hair loss as the individuals most unlikely to succeed with scoring dates, or being happy in general. The character George Costanza in NBC’s hit series, Seinfeld, is one perfect example of this. Costanza was in his late thirties and endured classic male pattern hair loss. He quite regularly referred to his hair loss as one of his largest excuses for never before succeeding at just about anything in life. Men & women alike both have a tendency to feel self conscious, exceptionally when it comes to the opposite sex. In our culture, a dense, luscious, head of hair is considered to be beautiful, & make one look more youthful & healthy.

Current technology is most useful in restoring hair loss. Advanced hair treatments are attainable to restore one’s hair and make it look entirely natural as if you had never lost hair to begin with. It isn’t necessary in this era and age to have to deal with hair loss. One’s quality of life doesn’t have to be changed with low confidence when there are so lots of advanced hair restoration treatments to choose from. Whether a medicinal drug, modern remedy, follicle transplants, or laser therapy, there are lots of options that will probably suit many budgets.

Hair loss treatments are now incredibly popular and tried out by both men and women. Folks who have lost their hair due to illness and have found it is never to grow back can occasionally benefit from advanced hair therapeutics. Even if people are not effectively losing hair, but suffer from a receding hair line or your hair is thinning, you will probably benefit from an array of hair loss treatments. The days of entrusting on fake looking wigs & spray on hair are bygone. With so abounding selections of different hair loss therapeutics, people no longer have to live life feeling any less confident than they did in their early twenties.

You guys know I eschew drama, because its hard to date at my age. I finally bottomed out, merely hours ago I ate a whole bag of Oreos. During my birthday party of datelessness, no less. Yeah, I did it. Does that tell you anything? Honestly, that’s the moment when I first considered joining a dating service in North Dallas.

No problem. I’ll meet new singles with Great Expectations Denver Dating Service. Definitely sounds like a plan. Loneliness bites, heres why. When I was a little tipsy at my boy’s t-ball game near North Dallas yesterday, Mom wanted to know if I have yet to win my true love. At first I didn’t know what to say to that. I didn’t want to answer, but then laughed, “what’s your deal, yo?”

And of course “The Twerp” (my nephew, age 9) mindlessly kept jabbing me about my personal matters. I quipped to the family gang: “Dating isn’t for me, but you would bring that up.”

Can you believe this? Everyone looked away and giggled. Immediately, I called Dave just to get some perspective. Why can’t I stop thinking about this! I would have learned more by asking my son. Chuck, who was a fellow Ram in high school (go Rams!) recommended that I enlist in Great Expectations. I said, “Yeah, maybe I should.” See, everything always works out. I will never regret joining Great Expectations Dallas.

Early on, dating services were new from my perspective. I was a bit nervous at first, so much so that I got a little queasy. This slip up could not put an end to another incredible Great Expectations event. The evening was a great way to start at Great Expectations. The gems of the occasion had to be the many enjoyable people I met, all available singles.

There’s something great about going to these glorious Great Expectations Denver singles events, I rubbed elbows with a handful of marvelous guys and gals that obviously have similar ideas for how dating should be done. Don’t know why I ever let my family give me a hard time about living the bachelor’s life after all these years. Wonderfully enough, mingling in Dallas with Great Expectations is enjoyable and like a dream come true.

Ted

Just Trying to Help

As a girl, women’s wigs were not even on my radar. Modeling was the thing that occupied my mind. This applied until the moment I lost my hair due to medical hair loss. I decided that I cannot sign off on the possibility of living as the balding Mr. Clean of this world.

I thought that I was all alone, robbed of my trademarked hair do. This was a sign that that it would be hard to realize great fashion and the hair to match. Boy, how wrong. Before I got wise and bought my lace front wig, I attempted a great deal of inadequate phony hair weaves that didn’t match my scalp. My lover Harry found me a few medical wig stores offering human hair wigs I would love.

So I hopped to it and checked it out. I found myself browsing a diverse world of, stylish lace front wigs. Their natural African American wigs suited me best.

Trying on the right wig, a woman in my situation would grow fearlessness when admitting to her loss of natural hair. Not since I was a girl did I want to parade my new voluminous hair. This meant the world to me to sassily go about as I used to at the dinner table.

Perhaps things are not as great as they seem, but hair is integral to my career. Is it possible there’s something else to existence than a fabulous style of hair? Darn-it, it couldn’t mean much if that were so. Here’s the good news: women’s hair loss can be beat!

You would not believe what these blessings have been like. No one has noticed the truth of me and alopecia. Nevertheless that’s life, I’m thankfully glad to fearlessly approach my career again. Fashionable medical cranial hair prosthesis improved things for me and everyone who depends on me.

Judgmental people could think that method needy. It’s not. What makes existing on earth so practical? For me, the secret is my family and my hair.

Embrace Living!

Denise Sullivan

Enjoy a great quote to start off this fantastic week!

“All men dream: but not equally. Those who dream by night in the dusty recesses of their minds wake in the day to find that it was vanity: but the dreamers of the day are dangerous men, for they may act their dream with open eyes, to make it possible.” T.E. Lawrence

OK, so now that you know that, what does that mean to become one of the “dreamers of the day” that Lawrence talks about? Why can dreams help you do more and be more than you ever thought possible? And how can you make your dreams more powerful parts of your life?

I’ll begin with the last question first, making dreams a more powerful part of your life. The first step in making dreams powerful is to go to bed thinking about that which you want to dream about. That means turn off the TV, and turn on something else that you want to dream about. If you want to dream about accomplishing more in your life, re-read your goals before you fall asleep. If you haven’t already written down your goals, take 10 minutes and write one down tonight before you go to sleep, and tomorrow night, another one, and the next night another one, until you have all the goals you want to achieve written down. You can go low-tech with a notebook or 3×5 index cards, or high tech and type them on your computer and print them off on full sheets of paper. It doesn’t much matter, just put those thigns down. One of my favorite authors, Napoleon Hill said it best when he said “Reduce your plan to writing… The moment you complete this, you will have definitely given concrete form to the intangible desire.”

These dreams help you do more and be more than you ever thought possible because the more you think about something, consciously or unconsciously, the more you find ways to accomplish those thoughts. If your goal is to make $250,000 per year, and you write it down, and re-read it before bed, your mind will automatically find new ways for you to make more money than you ever thought possible.

Now to the best part: how to become a “dreamer of the day.” The first thing you should do to become a dreamer of the day is to set up a “dream room:” a room or place you can go to get away from it all and just think. Bring a notebook, and a pen, and maybe some music playing device. Some might want to bring a tape recorder so the thoughts are recorded as they are said. No matter, but make it a special place, and go there whenever you need to dream. Make it special, and you’ll make it great!

The next thing is to learn, always learn, more about whatever it is you’re passionate about, whatever it is you want to dream about. Go to the library and get all the books you can get about the topic, and read them. Take them to your dream room with you, and make notes on what you read, and use these to help clarify your goals.

Last, and possibly most important, is be persistent. You won’t be a great dreamer right away. It will take time, and that’s okay and in fact, that’s more than OK. That’s normal. As Mr. Hill says: “”The majority of men (and women) meet with failure because of their lack of persistence in creating new plans to take the place of those which fail.”

EzineArticles Expert Author Phil Gerbyshak

Phil Gerbyshak leads a team of people as manager of an IT Help Desk in Milwaukee, WI, and finds that sharing his knowledge is a crucial component for success as a leader and as a person. Phil’s personal philosophy is paraphrased from Tim Sanders’ fantastic book Love is the Killer App: “Share your knowledge, your network, and your love. The rest will follow.” Feel free to contact Phil at http://makeitgreat.org or call 414.640.7445 anytime.

Our physical brains quickly and easily handle mundane sequences of operations, or processes without question. It repeats processes like a machine: ABC…Z. Merriam-Webster’s Dictionary defines the word process to mean “a series of actions, operations, or motions involved in the accomplishment of an end”. Heartbeat, breathing, and digestion are processes that occur without a single thought about what comes next. But, in many cases, our movement has become so consistent, that life itself becomes one of the mechanistic processes of the physical brain. Although, life is supposed to be dynamic, the brain only handles what it knows—what it has learned and what is sequenced.

Just as life is a process of the physical brain, so is the mind. We can touch, feel, or see a brain, but we can’t touch a mind because it is a sequence of operations that occur to accomplish one or more tasks. The mind is our dynamic structure that takes in information, pushes it through the rules of our belief systems and stored knowledge, and devises a solution. The brain has many processes that interact with each other. The brain’s mind process has two lesser processes of interest: an ability to analyze and another to react.

Where do we develop dynamic solutions if our brains are so rigid? First of all, when the brain encounters a sequence of events many times, it stores that information so that it knows how to automatically react and what to expect—a new process. It is a way that we handle those daily tasks that we know must be done and don’t have to think about it. Taking out the garbage, saying “hi” to our mates, and some tasks at work become so ingrained that they are processed quickly and easily without thought or emotion. Call it the physical body’s way of making our lives more efficient.

Is it really an efficient method? In some ways, yes. We can simply go through life without thinking and allow our physical brains to issue commands to ensure that tasks are completed. Going through life without thinking is the key point here! We can set our physical brain’s mechanisms in motion to process life and then phase-out to let it run its path. In general, a consistent and repetitive motion in life, without thought, is called a rut. This is where we run into trouble.

Is going through life without thought a positive move? It all depends on what you want out of life. We can let it ride or actively participate. It is in active participation that we begin to acquire dynamic solutions and processes in our physical brains. But, all dynamic processing and information occurs within an area known as the virtual mind. The thoughts and dynamic ideas in this mind are intercepted and processed by the physical mind and turned into new or altered mechanistic enhancements—call it retooling.

However, we have to be open to the new information and understand what it is before we can truly make beneficial use of it. Some of the unique ideas that are intercepted become colored by our own mind to fit within our experiences and belief systems through analytic overlay. Analytic overlay, taken from remote viewing, is the mixing of signals. It is our need to take incoming information and apply our own assumptions, views, and beliefs to make it fit within our realm. With this regard, it is our taking of information arriving externally, and modifying it to fit our understanding and systems. In this way we become more comfortable with new information; however, we tend to obscure information that could provide us with new and intriguing insight.

Virtual Mind

The virtual mind is the higher self. Some call it the subconscious, other the soul. It is that part of us that exists among and communicates with the other entities across the Universe. It allows us to move about freely from our physical realm, investigate new ideas, communicate with others, and acquire information that is seen as a flash of genius.

We have, as a society, grown to ignore the virtual mind. It has been overcome and overpowered by orthodoxy, which is the basis of the physical brain—standard processing of standard information. The orthodox methods limit us as the greatest amount of information is limited by the person with the least amount of knowledge. In this view, it is ourselves that is the person with the least knowledge because we are limiting our access to the vast amount of information available to us.

Many have come to accept the idea of the virtual mind in religious terms. That which is not physically understood is taken as a miracle or as an understanding of faith. However, to truly grasp and take hold of the realities of life, one must move from the elements of faith to that of knowledge. Knowledge of ourselves, the Universe around us, and the interaction gives us the power to understand and control our lives.

The Doomsday Device

Without the virtual self, left to its own recognizance, the physical brain creates its own dynamic structures. But, these structures are merely replications of what is already there. When one lives inside their own head they tend to generate their own ideas. Such generation is a downward spiral because the physical brain is focusing and processing itself. In this case, we end up poking holes in our own existence because the mind is seeking resolution and solutions for itself.

By creating its own structures, it defines resolutions that actually require problems or issues to create the cause for the effect or solution. As such, our brain tells us to go out and seek a problem to which it can apply its solution. This is, as grandma called it, idle hands. I believe it was idle hands are the devil’s playground.

In both of these cases, self-flatulation and the search for chaos, the physical brain is seeking information and issues for those solutions that it’s created within its own realm. This occurs when we cut off the information given to use by the virtual self. It literally creates a doomsday device, or a self-destructive situation, in which we cannot move forward, cannot move back, and simply exist in a situation of pure chaos.

What’s next?

Essentially, you need to hang a sign on your brain that states Authorized Personnel Only. We are not smart enough to go into a closed off brain and create something forward moving. The brain, alone and cut off, can create the most tumultuous chaos out of, literally, nothing at all. However, it is in our virtual mind that we can interact and grow to acquire the information we need to move forward in our lives.

The virtual mind is that part of us that gives us the power, knowledge, and ability to move forward in the physical life. The physical realm is never satisfied and is only bent on survival. It is the virtual mind, the soul that is easily fulfilled and is bent on life, love, and happiness. Let it come to the surface once in a while. Distract your conscious mind and let your brain have a piece of a souler vacation from time to time. Not only will it allow you to acquire the knowledge you seek, but it will also allow your virtual mind to help you resolve and move forward in your physical life.

I think that I recall John Milton, in Paradise Lost, saying “The mind is its own place and in itself can make a heaven of hell and hell of heaven”. Bravo!

Edward B. Toupin, Ph.D., is a published author, life-strategy coach, counselor, Reiki Master, and technical writer living in Las Vegas, NV. Edward works with people to help them strive for a richer life. He also authors books, articles, and screenplays on topics ranging from career success through life organization and fulfillment. Check out some of his recent print and electronic books as well as his articles covering various life-changing topics! Contact Edward at etoupin@toupin.com or visit his site at http://www.make-life-great.com .

It has always interested me that pschologists, and many other
great thinkers from all times state that we only use 10% of our
brains full potential. Now if you think about it this is a
frightening fact. Think about all the people on Earth today that
have hopes, dreams ,goals and victories that never get
fulfilled. And wonder if everybody operated to their full
potential would anybody live a life of uncertainty, poverty,
depression and all the other ills that make peoples everyday
life a struggle. Think about the 90% of untapped potential
within your own mind and imagine what you could give to the
world and to yourself if you were just to release a further 10%.
That would double your current production.

Now that in itself is a very powerfull thought. If we were to
some how find ways of gaining more of our brains potential power
what could you do with it? Ask yourselves the question, What in
your life would be different if your performance in all aspects
of your life were improved by twice the amount that it is now?

Many people who hear these statements think that there is
nothing we can do to utilize any more of our potential and that
we are just born with our restrictive 10%. Well that has to be
completely wrong! Its plainly obvious that different people
perform better or worse than others in all our various human
skills .

Its starting to become clear to me that that we are only limited
by ourselves, and the untouched part of our life does not have
to remain inactive . We can begin to use more of the God given
potential we have if we are willing to learn and utilize a few
home truths. Why are we the way we are? Has anybody asked
themselves this? I certainly hadn’t untill recently.

During each waking hour our actions and statements reflect the
way we feel about ourselves, this is whats known as our Self
Image. This is very important to the way we perform and if we
have a bad self image we are obviously not going to function to
our full potential.

Before I go any further I want you to understand that I am not
claiming to be a psychologist or an excellent personal
developement trainer, I am just interested in this subject and
have read many theories on how to combat the power of our self
evaluating image if negative. Have you ever really examined the
way you feel about yourself, why you feel that way, and would
you want to feel any different? Is it really that important?
Well, you could argue that it isnt if you are satisfied with
everything you do. But if you want to chage your life, actions,
acomplishments and future, learning about your self image is
vital.

As maturing individuals, we take our self-images and whether we
know it or not shape our whole lives around it, we become a
product of our own self evaluation. This happens because our
subconscious mind, the 90% we dont control ,accepts what our
conscious mind is telling it. Therefore creating the outcome
that we have already given to ourselves.

Now try to stay with me here! Because of this it is of enormous
benefit to us all that we can use our conscious mind to improve
our 90% of untapped potential just by mentally “seeing”
ourselves doing what we want to be doing. Now this isnt just
goal setting, we’ve all heard the self help experts bang on
about setting goals to achieve greater potential but in reality
thats just half of the equation.

What I have been trying to do lately is to revaluate my self
image in order for my sub conscious mind to act apon what my
self image is creating. With the hope that the outcome will be
unleashed potential that I’d only dreamed about before becoming
reality. I must say that it does not take much time to notice a
diferance especially in your overall well being. feeling good
about yourself can only help achieve much more.

Its obvious really isn’t it ! But I bet most of you out there
would benefit from the following Self-Evaluation exercise.

This is a generalisation that you can fit into any area of your
life whether it be personal, work related or other. I have
personally found it to benefit my home business life because the
success of that boils down to you alone, there is no-one to back
you up.

Ask yourself these questions:

1.If I could have any job or posotion, what would it be?

2.If I could live my life again, what changes would I make?

3.What has been my greatest achievement in life and what was it
that got me there?

4.What are my greatest strengths?

5. Are my weaknesses fixable, are they just an image I have
created?

6.What has been my greatest disapointment?

7.What will make me actually achieve more success?

8. What is my main goal or purpose at this time?

Answer these as honestly as you can , think about the answers
carefully and this will help you start using that untouched
potential. Results will come quickly if your self image is
improved.

I am going to leave you now on those thoughts, thanks for reading

Tom Rhodes

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