Search This Blog

Showing posts with label Asset. Show all posts
Showing posts with label Asset. Show all posts

Thursday, February 18, 2021

“10 Ways to Avoid Living Paycheck to Paycheck”

 


How long can you survive without a paycheck from your employer? If you’re constantly on the edge of your seat waiting for payday to arrive, you’re probably living like a majority of Americans who are experiencing the paycheck to paycheck syndrome. Don’t worry – this is your year to change your financial story and live the life you imagined. It’s time to say R.I.P. to living paycheck to paycheck and embrace a world of financial freedom. These 10 tips will help you get started in the right direction.

1. ALWAYS PAY YOURSELF FIRST: If you pay yourself first, you’ll always be ahead of the game. If you pay yourself last, you’ll always be left behind. Change the way you allocate your money and you’ll change how much money you have in your accounts. When you receive your next paycheck, put some money aside in a retirement or savings account and stash some cash away for a rainy day before you pay your bills.

2. UNDERSTAND YOUR NET WORTH: Net worth is not the same as net income. Net income is what you make and net worth is what you keep. Many people live paycheck to paycheck because they focus on the income that flows into their account instead of their overall financial picture. Redirect your attention. Start looking at your assets and liabilities to better understand your net worth and how you can use your net income to positively impact your financial position.

3. DON’T GIVE UP YOUR GOODS SO EASILY: Don’t give people the power to take your money from you so fast. Whenever you walk into a store or think about giving up your dollars, evaluate your decision. Do you really need it? How will the purchase impact your net worth? Does the item reflect something that is important to you in your life? Think before you buy. Most impromptu purchases quickly decrease your net worth while making someone else’s pockets fatter. Is the purchase really worth it?

4. NEVER DEPEND ON ONE SOURCE OF INCOME: If you’re depending on one source of income to meet your daily needs, then you are only one paycheck away from a financial disaster. Diversify your income. Position yourself to have a portfolio and passive income in addition to your earned income. The more streams of income you have, the more freedom and flexibility you will create in your life. You’ll never have to depend on one paycheck ever again.

5. LEARN HOW TO USE YOUR PAYCHECK TO INVEST: People who never learn how to invest will always have to work twice as hard for half as much. You shouldn’t have to work hard for every penny that flows into your account. Learn how to multiply your money by becoming an investor. There are so many ways to invest your money. If you’re looking for a simple way to increase your streams of income as an investor, consider dividend investing. You’ll earn money every month or quarter just by investing in high-quality dividend stocks. You can earn dividends while you sleep and build a dividend portfolio that allows you to pay your bills and travel around the world.

6. UPGRADE YOUR SAVINGS STRATEGY: If you find it difficult to save money, you need to leverage technology to make the process easier for you. You can schedule recurring transfers from your checking account to an online savings account to help you build your savings. Using an online account reduces the temptation to immediately withdraw funds when an “emergency” arises. Start by scheduling weekly transfers of $10, $20, $25 and increase the amounts every quarter. If you commit to automating your savings strategy, you’ll be able to easily save $1,000 within a year.

7. TRACK YOUR CHANGE: Don’t take any of your pennies for granted. You should be so focused on your money that you know where every penny goes. You can either pull out the almighty excel spreadsheet to track your spending patterns or you can download a personal finance app that will record your change for you and show you where the majority of your money goes.

8. STOP TRYING TO LIVE LIKE YOU’RE RICH: You’ve probably heard this a thousand times but it’s important to live below your means if you want to get out of the paycheck to paycheck trap. Unfortunately, living below your means can be a foreign concept if you were taught to constantly “treat yourself”. Reward yourself when your financial foundation is taken care of, not when you’re trying to escape financial misery. Always remember that having money in your account does not mean that you can afford whatever it is you want.

9. USE YOUR PAYCHECK TO BUILD YOUR FREEDOM FUND: Similar to an emergency fund, a freedom fund gives you the cushion to never feel stuck or disrespected in your career. You’ll never have to work a job out of desperation. You’ll be able to work jobs that give you a sense of dignity and allow you to bring your gifts to the table. Build your freedom fund with enough money that allows you to sleep peacefully at night and live in harmony. Contribute to this account as often as you can so that you can have enough money to thrive in moments of uncertainty or transformation.

10. WORK WITH A COACH: You go to a doctor when you’re sick, right? You seek out the best lawyers when you have legal troubles, right? Why not seek out a financial coach to help you get your money right? The best financial coaches help you to see where you are and where you need to go so that you can make the necessary changes to achieve your goals.  Isn’t your financial freedom worth it?

Charlene Rhinehart is the Best Selling Author of “How to Find Happiness Again” and “Dividends Are a Queen’s Best Friend” available on Amazon.  She’s a Health & Lifestyle writer, former fitness instructor, and brand ambassador who helps others invest in their dream life.  Charlene is the Founder of Wealthy Women Daily, Career Goddess Academy and Black Couple Travels.

Much Love, Dr.Shermaine, #InformativeRead #PleaseShare #HealthyBodySoulAndSpirit #IWantYou2LiveWell #FeelFree2SignUpAndFollow

The Goal is to Always Make You Aware of What Concerns Your Body, Soul and Spirit, So You Can Have Open, Honest and Frequent Discussions With Your Physicians and Counselors. You Can’t Treat or Cure What You Don’t Know is Sick.
 
"It's Not Selfish to Love Yourself, Take Care of Yourself and to Make Your Happiness a Priority. It's a Necessity." (Mandy Hale)

"Self-Care is Not Selfish. You Cannot Serve From an Empty Vessel." (Eleanor Brown)

The contents of the Black Doctor and Self-Care With Dr. Shermaine Sites, such as text, graphics, images, and other material contained on the Black Doctor and Self-Care With Dr. Shermaine Sites ("Content") are for informational purposes only. The Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on the Black Doctor and Self-Care With Dr. Shermaine Sites!

If you think you may have a medical emergency, call your doctor or 911 immediately. Black Doctor and Self-Care With Dr. Shermaine does not recommend or endorse any specific tests, physicians, products, procedures, opinions, or other information that may be mentioned on the Sites. Reliance on any information provided by Black Doctor, Black Doctor employees, others appearing on the Site at the invitation of Black Doctor, and Self-Care With Dr. Shermaine or other visitors to the Sites is solely at your own risk.

Friday, March 16, 2018

“Sit With Them, Before Their Seat Is Empty”




“Then Jonathan said to David…You will be missed because your seat will be empty.” (1 Samuel 20:18 NLV)

When you lose a loved one, you realize that Relationships are much more important than Possessions. But we often forget that in our scramble to the top of the heap of what this world considers Success. In fact, we’ve become so busy with climbing the ladder of success, that many of us haven’t even noticed that our families have fallen down, while we were climbing up.

However, I’ve come to discover that True Valuables are not found in cars, houses, land, businesses, money, vacations or success. But True Valuables are driving in that car with your family to a restaurant for dinner and laughing the whole way there; walking into the rooms of your home to see your family has a roof over their head, food in the fridge, clothes in the closets, shoes for their feet, running hot and cold water, air in a hot season; and heat in a cold season; going out into your backyard to see children running around, happy, healthy and at play; being about your Father’s business and not your own personal, selfish agenda; having enough money to give away especially to those in their time of need; sending your parents away on vacation; and ultimately having the real success of knowing how to Treasure all these True Valuables! 

Which reminds me of when the Apostle Paul said, “But we have this TREASURE in earthen vessels, that the excellency of the power may be of God, and not of us.” (2 Corinthians 4:7). When I think of that Scripture I learned to also personalize it, meaning my life may not be all I desire it to be, I may not have a fancy car, big house, prominent career and all the money in the world, which is equivalent to an unattractive “earthen vessel” that’s misshaped and cracked. However, I still have Treasure! And my Treasure is not found in Things, but it’s found in the People in my life that make me Wealthy! In other words, my Wealth is not in my wallet, purse, stocks, bonds, paycheck, 401K, checking or savings accounts. But my Wealth is found in my husband, children, family and friends; my peace, joy, contentment, happiness, wholeness and health. That is what I consider my Greatest of Assets! And what is an “asset”? It’s defined as “a useful or valuable thing or person”. And I for one can indeed admit that my Loved Ones are both Useful and Valuable! 

Do you make sure that your loved ones feel the same way…Treasured…Valuable?

Look at it like this: Being told you’ve only a short time to live puts you into shock, and then re-orders your priorities. All of a sudden you realize that what mattered yesterday, should’ve never mattered at all. Anger seems useless, bitterness no longer dwells in your thoughts, and unforgiveness no longer has room to hide in your heart. Revenge becomes of no interest, and malicious words no longer proceed from your lips. And all because you realize you have no time to waste! Which brings to mind Moses’ words, “So teach us to number our days, that we may apply our hearts unto wisdom.” (Psalm 90:12). The Contemporary English Version states it like this, “Teach us to use wisely all the time we have.” (CEV). And why should we do this? Because you have no idea how much time you have! That’s why you make the most of it, with those who matter most!

Knowing you only have an allotted amount of time left, of which you do not know how much, should make you want to fill each precious moment with the words you’ve left unsaid and the things you’ve neglected to do. Think about it, how many more times can you possibly say that you’re going back to school, that you’re going to spend more time with your family, that you’re going to eat right and exercise, that you’re going to lose weight, that you’re going to forgive and forget? Saying it and doing it are two very different things. And when you don’t have a concrete timetable of how much time you have remaining, it ought to motivate you to stop saying and start doing before there’s no more time left to procrastinate with.

Also, make sure you don’t allow self-centeredness, masquerading as ambition (or religious zeal), to keep you from showing love to those who need it. Nobody is that deep, spiritual, gifted, anointed or BUSY to do and say what matters most, to those who matter most! In other words, stop making excuses and go ahead and make that phone call. Send that email. Buy those flowers. Take that trip. Visit more often. Say, “I love you.” In other words, “be there” while you’re “still there”. Do and say what you can, while you can, because the moment will come when you have no breath or time left to do or say either!

And if you are a leader, you’re particularly at risk for neglect! Meaning, don’t you dare sacrifice your family on the altar of your career, ministry, church, schedules, assignments and appointments, because if you do, you’ll end up with regrets you can’t resolve. This is a good portion of the reason why we have so many people in counseling. Because so much that should’ve been said and done, was not, and the moment was missed, and now the person is gone, and there’s no way to reconcile. Or on the flip side of that coin, words were said, and actions made that should not have been, but once said or done, can’t be reversed or forgotten and so we spend a lifetime of regrets and anger. But remember what the Bible admonishes: you are to “… use wisely all the time [you] have.” The key word is “wisely”. Can you imagine how many mistakes and bad choices would never be made if only we used Wisdom?! Well, while you still have time, why not use Wisdom today? And what’s a Wise thing to do? Start taking advantage of the time you have and stop taking it for granted! 

Listen to this: The son of a well-known missionary stood at his dad’s grave without shedding a tear. He told someone, “You never miss what you never had. My dad loved people on the other side of the world, but I’m not sure he loved me.I wonder how many people in your life feel like that about you? Aren’t you curious yourself? How many people do you “assume” know how you feel; know that you love them; know that you care; know that they’re important to you? And how do they know it? Because you’ve taken out the time to say so and do so and not “assume” they know so! You do not, under any circumstances, want people to feel as the son above did, that at the end of your life they’re wondering if they were ever really a part of your life at all!

I had a dear friend to recently pass away and to hear everyone speak of her with such wonderful words made me smile, but didn’t make me happy. And the reason why is because I knew she battled depression really bad for many years. We had extensive talks about her feeling unloved, unwanted, and not noticed. And this was a married woman of 25 years with 3 adult children and a pastor’s wife and overseer of the women’s ministry. And yet, she always felt lonely, disregarded, and even shunned. But her home-going celebration was marvelous. However, it makes me wonder if those who said I love you, at the grave said I love you while she still had breath…I cannot force this point hard enough, make sure the people you love, KNOW you love them!

I had another friend recently pass away from cancer. He was not a believer, did not go to church, and therefore, even after being put into hospice, still did not want a funeral. The family tried their hardest to persuade him about a funeral so people could say their goodbye’s and share their tears, stories and memories. However, I’ll never forget his words in our last conversation, they summarize in part like this, “Sis, I’m almost 50 years old. Meaning I’ve been on this planet for almost 5 decades. I’ve met a lot of people, and loved a lot of people. And for some reason I simply feel that those who have known me, and especially those who have loved me, would have already told me and shown me by now. After all, if they love me, wouldn’t they want me to hear them say I love you or for me to see their love for me in their actions? Why would they want to wait until I can’t hear, see or know what they’re saying or doing on my behalf? Why not now while I’m still here? That’s why I don’t want a funeral, anyone who loves me, has already told me or shown me. Nothing else need be done once I’m no longer here.Some may consider that depressing, but as for me it made me think…am I wasting time waiting to say or do things that can and should be said and done now? Will I still have the opportunity to do so tomorrow? Will others have the opportunity to do so for me on tomorrow? I reiterate, make sure the people you love, KNOW you love them…and might I add…do so TODAY for Tomorrow is NOT promised!

Listen: The truth of the matter is simple: The clock’s ticking and the days have taken up their wings and they’re flying by rather quickly. Before you know it they’ll be out of diapers, or off to their first day of school, first day of high school, first day of college. Before you know it your wedding will have passed and you’ll be wondering how in the world did we get to 20 years so fast? Before you know it, you’ll be wondering where did mom and dad get all that grey from, when did they start walking so slow, are they really retiring already, am I already looking for their nursing home? Before you know it, they’ll go from a play date to a marriage proposal, wedding and kids and you’ll be wondering how did I become a grandparent so soon?
 
In other words, life is moving by more rapid than you remember from when you were a kid. So, slow down, prioritize what and who is really important then pour your all into them. Give them your all and your best. Not just your wallet, but YOU and your time! 

And might I add, sometimes life hits you below the belt! Some parents are heart-broken now because they buried their child, and surely this is not how this is supposed to go. Someone’s 4 year old has leukemia, someone’s 21 year old sister had to have a full hysterectomy and she has no children. Someone’s dad was killed in the line of duty. Someone’s mom was hit by a drunken driver. Someone’s brother never returned home from school. Someone’s marriage ended in divorce after just 3 years. Someone’s house foreclosed. Someone’s business burned down. Life comes with many unexpected, and therefore unprepared for moments. We assume that we have all the time in the world, and that my friend is a far cry from the truth. How do you know what is going to happen tomorrow? For the length of your lives is as uncertain as the morning fog – now you see it; soon it is gone.” (James 4:14 TLB). Even the Bible calls your life but a morning fog, appears out of nowhere, disappears in the same manner. So, enjoy your life and your loved ones, before the fog lifts…

Now, I am not telling you to neglect work or ministry for you must fulfill your God-given assignment in life because in the end you still have to give God an account. However, this should not be attained at the cost of losing the people who matter most in your life. 

Lastly, take a moment and think about these words from our opening text: “So Jonathan again made a pledge to David because he loved David as much as himself. “Tomorrow is the festival of the new moon,” Jonathan told David. “You will be missed because your seat will be empty.” (1 Samuel 20:17-18 CEB). As for David, this was not about his death, just about his presence being noticeably missed when he’s not at the festival, leaving his seat empty. But I love the way the text reads because of who David was, what he did and what he meant to the people, if he were not present for dinner, his empty chair would be noticed by all. Another translation reads, “…your absence will be noticed if you aren’t at the meal” (GNT). Do those you love know for certain that if they are not around, their absence is noticed by you? With that said, might I also add this little tidbit…the Church is supposed to be a family. And personally, neither of my siblings can be out of communication with me for a day or two and I not know where they are or how they’re doing. In other words, when you haven’t seen someone from your church in a while, reach out! Let them know that their absence is noticeable. Let them know that you miss them, you love them, you care about them and their well-being. Many of people have left the church and not returned only because we treated them as a number in a census instead of the siblings that they are. Don’t let weeks, months and even years pass by. Life is short and precious. Let your spiritual siblings know as well that their absence leaves a void that they need to refill.

And a funny thing is Saul was David’s enemy and yet the Bible says, “Jonathan said to David,Tomorrow is the New Moon festival. Your seat will be empty, SO MY FATHER WILL MISS YOU.” (NCV). Can you imagine that even David’s enemies would notice his absence? Now if David’s enemies noticed his absence, don’t you think I’ll loved ones should KNOW that we notice theirs? Just a little something to think about…

I shared a testimony on yesterday on my social media sites about my mom. You see, yesterday (March 15th), was a full year to the day of the very last time I would hear my mom’s voice. She would then spend March 16th – April 1st in a coma. And April 1st at 1:46pm she would leave all the machines and pain behind and go off to Glory. She is now Pain-Free and Peace-Full, but it’s still hard to know she’s gone. I’ve spent the last 5 years as her caregiver and not a single day would go by that we wouldn’t chat about something. At her home going celebration, I thought I would cry, fall apart, fall out, lose it and everything else. However, surprisingly, I smiled and laughed a lot, even making jokes with my mom’s only living sister, my Aunt Gerry. We had so many stories to share even at the celebration of life, and we would sit in the pews and giggle and laugh. And truthfully, that was only possible because when I looked back over the last 5 years, the good outweighed the bad and I spent the good and the bad WITH mom. I didn’t feel remorse or regret. A little lonely that I lost my best friend, but we have had so much fun in these last few years. And that’s even with her battling hypertension; diabetes; losing sight in one eye; an amputated toe; poor circulation in her legs; breast cancer; chemo; breathing difficulty; oxygen tanks; loss of hair; heart failure; kidney failure; dialysis; and the millions of pills and doctor appointments. And still none of that could compete with our good times in the midst of those bad times. In fact, it’s hard to even find a picture anywhere of my mom NOT smiling and laughing. Even all the pictures I’ve taken of her over the years in and out of hospitals, she’s smiling, IN ALL OF THEM! She had the most wonderful personality; kind hearted; generous to a fault; understanding; helpful; loving; forgiving and her smile could brighten the darkest day and bring life to dead places. Just an all-around beautiful woman. She took every lump, bump, bruise, pain, stick, poke, prod, diagnosis with a smile. I share this today, because today, one year ago, it all changed. I would never hear her voice again. I would never see her smile again. I would never hear her laugh again. And still I smile and laugh today just at the thought of all the memories I have of her.

What I’m saying to you brothers and sisters is this, you only have this day and this moment, and not even those are promised. There are no guarantees for tomorrow. So today, while you have life, health, breath, strength and soundness of mind, reach out to those you love so that when the last night is the LAST night, you’ll weep, but then you’ll wake up in the morning with joy, no regrets and no remorse. Take it from someone who personally knows, it will bless your entire life!

Therefore, today, it is my prayer that this devotional has charged, challenged and encouraged you to love your loved ones, better and more! Be verbal, be expressive! For at the end of your journey, you don’t want to have anything left in you that was supposed to be given to someone else. Say your I love you’s; give your gifts; go out to eat; take the trip; watch the movie; make the phone call; send the email; mail the letter; show up and surprise them. Restore, reconcile, fix, repair, whatever has been ruined. Get that friendship and relationship back on track. Don’t hesitate, don’t procrastinate, don’t wait for them to make the first move. Enjoy your spouses, your children, your parents, grandparents, god-parents, siblings, cousins, nieces and nephews, aunts and uncles, in-laws, friends, church family, community, coworkers, etc. You’re still alive, so act like it and LIVE! And not just live, but do so as Jesus said you should: John 10:10, “The thief comes only in order to steal and kill and destroy. I CAME THAT THEY MAY HAVE AND ENJOY LIFE, AND HAVE IT IN ABUNDANCE [TO THE FULL, TILL IT OVERFLOWS].” (AMP)

That’s how you are to LIVE! Enjoying Life Abundantly, to the Full, Until it Overflows, With Those You Love!

Friends and Family, whatever you do, just make sure that TODAY you do and say something meaningful to those who mean the most to you.  

In a Nutshell: Sit With Them, Before Their Seat Is Empty…

“Sometimes you will never know the true value of a Moment until it becomes a Memory.”

“The most important gifts you can give are your love, time and attention. Slow down, take time to smile and enjoy loved ones…life goes by way too fast.” (Carla White)

“We waste so many days waiting for the weekend. So many nights wanting morning. Our lust for future comfort is the biggest thief of life.” (Joshua Glenn Clark)

“That breath that you just took…that’s a Gift.” (Rob Bell)

“Tomorrow isn’t promised to anyone. Live Today.” (Mark Black)

“I’ve learned that regardless of your relationship with your parents, you’ll miss them when they’re gone from your life.” (Dr. Maya Angelou)

“Love your parents and treat them with loving care. For you will only know their value when you see their empty chair.”

“We’re not promised tomorrow, so don’t waste a moment living in the past.” (Joel Osteen)

“Say it before you run out of time. Say it before it’s too late. Say what you’re feeling. Waiting is a mistake.”

“Don’t take your health for granted. Don’t take your body for granted. Do something today that communicates to your body that you desire to care for it. Tomorrow is not promised.” (Jada Pinkett Smith)

“We aren’t promised tomorrow. We aren’t even really promised today, or that next second, or minute that ticks by. We’re gifted with moments, each one precious, each one different. So take those moments, and use them. Don’t let them pass by in anger. Don’t let those moments build up into silence between the two of you, because you never know if they’ll be taken, and we never know the final number of we’ve been awarded. Let no moment go unused. Let no moments escape where you could have expressed love for one another.” (Rachel Van Dyken)

“The greatest weakness of most humans is their hesitancy to tell others how much they love them while they’re still alive.”

“Today, why don’t you love a little deeper, laugh a little louder, hold the ones you love a little tighter. Because tomorrow is never promised.”

“Tomorrow has not be promised, so Today, I want all my family and friends to know how Thankful I am for Each and Every one of you and how Blessed I feel that you are All a part of My Life.” (Truth Follower)

“Life can change so fast, so unexpectedly. Love when you can, while you can, as much as you can.” (Mandy Hale)

“Life is a train ride, and at the many stations along the route, people important to us debark, never to get aboard again, until by the end of the journey, we sit in a passenger car where most of the seats are empty.” (Dean Koontz)

“I enjoy nothing more than spending time with my loved ones, young and old, and at least once a year we get together for a formal family photograph.” (Elliott Erwitt)

“Enjoy the time you have with your loved ones. Too many people wish they had spent more time with their loved ones before they passed away.”

“We don’t know what tomorrow is going to bring and the only thing we really have is right now. So, don’t stay angry for too long and learn to forgive. Love your friends and family with all your heart. Have fun and live your life the way you want to live it. Most of all, don’t worry about people that don’t like you and enjoy the ones who do.” (Informative Quotes)

“Cherish every moment and every person in your life, because you never know when it will be the last time you see someone.”

“If we remembered every day that we could lose someone at any moment, we would love them more fiercely and freely, and without fear – not because there is nothing to lose, but because everything can always be lost.”

Much Love, Dr.Shermaine #EnjoyTheReaad #BeEncouraged #LoveYourLovedOnes #LoveInAction #AppreciateLife

"It's Not Selfish to Love Yourself, Take Care of Yourself and to Make Your Happiness a Priority. It's a Necessity." (Mandy Hale)

"Self-Care is Not Selfish. You Cannot Serve From an Empty Vessel." (Eleanor Brown)

"13 Ways to Use Apple Cider Vinegar That Will Change Your Life!"

    Of all the well-touted natural health remedies that exist today, very few are followed quite as religiously as taking a tablespoon or tw...