Be True To Your Finances

Money will never be enough. Whether you earn $100 or more there will always be room for more and more needs and wants in your life. Currently I earn twice as much as I used to earn two Years ago but my expenses are also twice as much. If you do not watch out on the trend you take with your needs and your income, you will get frustrated and think the problem is with money yet you are the one causing the problem.

I prayed for wisdom on how to spend wisely to avoid pitfalls and I got help. I have not reached the peak but so far I am very happy with the way I manage my finances. At this point in time I will give you tips on how to manage your needs and wants in regards to money and avoid going overboard. The secret is to live within your means and this is how

1. Write down your daily needs and wants that you spend on and divide the needs and wants into three categories; Daily, Weekly and Monthly

2. Beside each category write down the needs and wants and how much you spend on them. Be honest with yourself do not underestimate or overestimate, you have to be on point. If you over/under estimate you will not make it. Prices do not change within a short period of time so you will have to go to a grocery shop or supermarket to get the exact price of the commodity you buy daily, weekly or monthly.

3. Find totals for each category, for example, your daily category must be multiplied by thirty for you to know how much you spend in a month and the weekly budget by four. Add up your totals and see how much you spend.

4. If your budget exceeds what you earn, then you have to review your needs and wants and be disciplined enough to reduce your wants at this moment and check whether your needs may also be overboard. If you find that your needs are expensive, then you should find a place where the same needs can be bought less expensive, for example; instead of buying tomatoes or other raw vegetables and fruits from a supermarket try getting them from a local vendor. If the house you are staying in is eating up your money move to a descent less expensive apartment.

5. Stick to this budget and consult it regularly, go back and check whether you are on track or off track. Try this for just a month and you will see a very big positive difference and you will even manage to save money.

Beware of Fake Designer Clothing and Fashion Accessories

The selling of fake or counterfeit designer clothing and fashion accessories online is a booming business and more and more people are finding out the hard way that that it is easy to get riped off when trying to save some money when buying designer clothes and fashion accessories online. To start with, if the deal seems just too good to be real then it most likely is.

Fake designer goods are virtually without exception inferior products, so if you intentionally buy knock off designer products then you have no right to complain when you finally see what you get. Cheap fabrics, crooked stitching, glue blobs on sneakers and buttons that quickly fall off are standard on fake designer products.

The real tragedy of course, is when someone pays good money for a designer product and an inferior counterfeit product arrives at their door step. They so many times have no recourse either, because it was shipped from some obscure Asian country where counterfeiting is a crime that is only winked at.

This is why you should always check your source before you hand over your money. Many Asian countries are literally flooded with counterfeit products, so you should always avoid buying high end designer products that are shipped from them. Also, it is now a legal requirement that all websites have full contact information listed on them.

If they don’t have all of the required contact information listed then there is an obvious reason why. A legitimate dealer will always have contact information listed, so clients can easily get in touch with them. An unscrupulous dealer on the other hand, won’t list it, because when a client contacts them it is always to complain and to try to get a refund.

Telecommunication Industry Tricks

How many of you out there are unhappy with your current phone company? Do you feel like you are being ripped off and taken advantage of. Well I'm going to share with you how to get better customer service and better products as well as guard against telecommunication industry tricks I will also share with you some of the common problems with telecommunication industry services today.

Some companies in the telecommunication industry will do anything to get your business as the telecommunication industry is so competitive they even use really dirty tricks to do this, Below are just a couple of the tricks telecommunications industry companies use which you should be aware of.

1. Picking. This is a very sneaky way of getting your business and laws have done a great job of putting an end to it, but it still happens from time to time. 'Picking' is when a communications carrier gets your business by your 'something' unaware authorization. You fill out some form to win a prize or answer a survey and the next thing you know, you've been switched without knowing it and suddenly your outrageous bill is your only indication that something is horribly wrong.

2. Slamming – This is just what it sounds like, you go to bed using one service and wake up using another and you'll never know it until you've gotten that outrageous bill.

A lot of telecommunication companies out there in the telecommunication industry use all kinds of creative ways to get your business, none of which is really based around approaching your business.

The best advice I can give you to avoid these problems is to have a personal telecommunication industry specialist who is assigned to make sure all of your telecommunications needs are being met. The assigned telecommunications specialist will make sure all your services are being provided at not only the best rate, but also with the best in customer service. I'm not talking about hiring someone for this, but finding a company that allows its reps to provide that 'direct link' to the company.

Jewelry Making Or Perfume Making – What’s the Difference?

Very recently I've stumbled upon what proves to be another new hobby of mine, making perfumes using natural, essential oils. I've purchased several oils from the UK so far, and started combining them to make perfumes. Which does not seem to be so easy as I first thought. Most of the concoctions smell horrible, at best as a bad medicine.

I've searched a lot the internet for recipes on the subject, but it's hard anything out there. There are a couple of real life workshops that one should attend, at over $ 1000 a piece, and very few books on the subject, mostly touching the history of perfumery and the ingredients, but less the actual blends, mixes. So I broke down and purchased from Mandy Aftel the Level 1 Workbook, at a price of $ 375 (yep, you've read it right!) And shipping to Europe $ 80 (right again!), As this looks pretty much the only feasible avenue for somebody to really learn perfumery without spending a large amount of essential oils on trial and error, by not knowing what is one really doing in the process.

So now I'm waiting for it to arrive …

And in the meanime I'm musing …

Most probably since the time I started with wire wrapping, I did spend about this amount or even more on books and tutorials, however the difference between this workbook and the tutorials for wire wrapping, is that I've bought MANY tutorials, on all aspects of wire wrapping and jewelry making. I've learned a lot of skills in the process. I have now a new level of appreciation for all the wire wrappers who so freely share their knowledge in allowing the rest of us to learn their secrets, and to make their jewelry pieces. Without all these tutorials, and book out there, it would have been much more challenging to learn wire wrapping, even to the level I am right now (which is not that far). It is a completely different world between the two.

Perfumers guard their secrets as if with their lives, they will not share but the very basic of blends, which does not bring one very far, and wire wrappers, or jewelers in general are very generous, and share. Yes, for a price, but the prices are very reasonable, anything between $ 5 and $ 15 for learning how to make one pendant, a pair of earrings, a ring, any items from start up to completion. Plus there are also many free tutorials out there, which allow you to build on your existing knowledge and widen it too. Best example out there is Eni Oken, who has many tutorials for a veeeery reasonable price, but also many freebies to get you started.