Save Moola Easily

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6 Simple Tricks to Help You Save More Money in 2014.

You work hard for every dime in your paycheck; why not make your money work just as hard for you? The first step, of course, is holding on to more of it for long enough that you can put it to work.

So, here are six easy-to-implement moves to help you step up your savings a notch or two in 2014.

1. The tax bands are adjusting for inflation; save the increase. All other things being equal, your first paycheck in 2014 will be slightly larger than your last paycheck of 2013, because the tax brackets shift every year due to an inflation adjustment. If you were covering your costs from your take-home pay before, you’ll never miss the money if you sock away the increase.

2. Make saving automatic. If you job offers you electronic deposit for your paycheck, see if you can get some of your check automatically deposited to a separate savings account. If not, then talk to your bank about setting up an automatic transfer, and then treat that transfer like a must-pay bill.

3. Getting a raise? Save half of it. Salaries are expected to go up around 3 percent in 2014, and inflation over the past year has been around 1.2 percent. If that pattern holds true in 2014, and your raise is at least average, you ought to be able to save around half of the after-tax part of it without any impact to your standard of living.

4. Negotiate the interest rates on your credit card debt. If you’ve got a good payment history, your card issuer will want to keep you as a customer. If you don’t, your card issuer may be worried that your debt could be headed for a bankruptcy discharge. Either way, it doesn’t hurt to call and ask for a rate reduction; you just might be successful.

5. Even better, get that debt down to $0. Create a debt snowball and put as much money toward it as you can. The sooner you retire your debt, the sooner you can start saving all that principal and interest that you had been paying to the banks.

6. Budget for fun. Seriously, make sure you leave some room in your budget every month for entertainment. It’s a lot easier (and more enjoyable) to set aside a little bit each month for entertainment than it is to try to live a Spartan lifestyle and deny yourself all pleasures. Not only will any attempt to cut fun out of your budget likely backfire, when it does, it’ll probably be way more expensive than letting off a little steam within preplanned limits.

It’s Your Money — Keep More of It

These are just a few of the ways you can get control of your money, save more of it, and direct more of it to exactly where you want it to go. Make 2014 the year your money started working for you as hard as you work for it.

To find more pretty stinkin’ smart articles like this check out –

Source: http://www.dailyfinance.com

Have a great day!

Rebeca~

One isn’t always a lonely number.

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The Numeral Uno Habit of Highly Creative People!!!

“In order to be open to creativity, one must have the capacity for contructive use of solitude. One must overcome the fear of being alone.” ~Rollo May

What habits do creative people have that makes them so successful at being creative???

I’ve thought about my own creative habits, but decided to research the habits that others consider the most important to their creativity.

Rather than list EVERYTHING I found in reviewing their lists, and then comparing to my own, there was one that stood out the most to me. I think it’s the most important habit when it comes to creativity.

What is it you ask?
In one word it’s SOLITUDE!

At least for me and the many creative geniuses I researched, it seems that creativity flourishes in solitude. Within your quiet zone, you can hear your thoughts, you can reach deep down within yourself, and you can focus.

In the past I really didn’t like being alone. Especially when i was so used to being around lots of people and chaos the last 10 years. However after a few months of finally getting that whether i wanted it or not, I discovered many benefits from solitude.

You actually have time for thought, you get to know yourself, you have
space to create, space to unwind, you find peace, you have time to reflect on what you’ve created, and you learn from it. Really, isolating yourself from the influences of other helps you to find our own voice. The quietness helps to appreciate the smaller things that get lost in the madness life can bring.

Its very important to make it a habit NOT to judge yourself on your creative output. Sometimes your creativity is on fire. Thats great and feels amazing!! but other times, it’s not. You just can’t get down about this. We all have slumps!

Live a creative life everyday. I very much believe in doing creative stuff everyday. When I’m starting to feel in a rut I make a habit of trying a different routine, make something you never thought you would, just shake your own tree and use your imagination.

Find your fun!! Doing what you love inspires you to be more creative.

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“Creativity is essentially a lonely art. An even lonelier struggle. To some a blessing. To others a curse. It is in reality the ability to reach inside yourself and drag forth from your very soul an idea.” ~Lou Dorfsman

It’s officially FRIDAY- have a BEAUTIFUL weekend!

Rebeca~