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What I have observed December month is different from the other months because there's lot of expenditure which exceeds our income. What makes December a month expenditure are 1.Holidays(Christmas,Bonuses, Renovation, Entertainment etc. 2.Competing (Clothes, Cars) 3.Touring(local, international) 4.Food exploration (Visiting Restaurants) 5.Visits (from the families,throwing dinners) Can you be able to control some of the above  expenditures.Yes,we can if  we plan. Let's start from finances. A.How many bank accounts do you have? B.Who keeps those cards? C.How do you categorized your expenditure? D.How  many part time or full time jobs do you have? E.How big or small is your family? A.Bank accounts  You need 3 bank accounts. 1.Normal bank account which covers the day to day expenditure like gasoline,bread, vegetables and other regular food items.This type of account  covers the daily expenditure under R200 or $12.00 2.Emergency bank  account like Tyre puncture...

Finance determines  our freedom, happiness, health and progress.Most  of us  the  standard of living is higher than what we want. Whether you get a million a month cannot be  enough because the expenses have been pitched very high. You know,People want to be "seen"  that they are rich which  which they believe  that  the community around  respect and honour them. The following expensive  items are used 1.Cars 2.Houses 3.Clothes 4.Food 5.High Friends  In order to get money,more money will be needed. Thats why we see people  from the  media who have  -acquired money illegally  -stolen the properties of other people  -stolen the  properties of Government  -extorted the communities  What is the solution of an  ordinary person. 1.Earning Salary. 2.Having Savings 3.Selling some of your  properties. 4.small business if it is possible. 5.Extra skills like (painting) Some  People ta...

The world of finance is interconnected. You may  see things, production running well,where you are  working.Behind the scene the management is struggling. For the sake  of progress some of the frustrations you are not told  because you can 1.be demotivated. 2.be unproductive. 3.look for another job when you are still  working OR 4.Work  part time somewhere. 5.misbehave 6.demand their pension  7. resign. Thats why the management  will not tell you about all the problems which they encounter. The management have the  following options  1.Borrowing 2.Selling  some of the assets like transport. 3.Closing  some  branches. 4.Renegotiate the rent  5.Reducing  the work space. 6.Cut hours of  work. 7.Give  more free days. 8.The last Resort is insolvency. The labour expects to be involved  right  from the beginning.When there are problems the labour will agree to -No increment. -Reduced  working ho...

Your success does not depend on how much you have, but how much can you can utilizes. We all have the basic needs.Our salaries and income are measured against the inflation. The Employers depend on the inflation. The other factors are the profits, expenditure as labour is classified of non- profit.There are no  external rules or percents which stipulate how much the labour should receive. The Governments measure the salary against  (1) Qualifications (2) Experience (3)The Weight or the Volume of the work which includes the rank. Moreover the private sector looks  at how much you bring to the company.They also look at your past performance and the contributi to the production which is measured by the outcome. In the past most  companies paid their workers weekly,but as the time went on they opted for the monthly payments. The Financial Discipline will mean to utilizes your salary and save what remains. What I have seen.,the financial flow is disturbed by: -Demands -Wa...

There are  5 types  of  Money Spenders There  are those who  •dont save.Their money is finished before  they get it.The whole income is consumed by debit orders. There are those who save •1% and consume the rest  of the money. •5% and consume 95% •10% and consume 90% •above 20% In reality our  consumption is affected by the needs of the family and personal needs.Some of these needs cannot do away with them,they are 1.Electricity bill 2. Water bill 3.Basic Food 4.Transport  5.Car(s) instalments  6.Funeral insurance  7.Children's  Education  8.Medical Aid 9.Gasoline 10.Emergency Funds You cannot live without above necessities. What are the circumstances which we find ourselves in? 1.One Job 2.Low salaries 3.No  Promotion  4.Daily  Job challenges  5.Unexpected expenses  A Big Question is How did you survive  up financial up to this time? The Second  Big Question is What will you do to allevi...

If may I ask. Is this month fast or slow to you? Different People will respond differently. The usually responses are: "This month is slow" When you evaluate the lifestyle of these people you will find that Their  financial stress which does not cover all their monthly needs.Such People don't have the solution even I give the solution under the Parttimejobsseekers.blogspot.com these people are too smart to work for a dollar per day. If the response is "This month is fast" These are ever busy  throughout the whole month  whether  they are successful or not.  The bottomline  such people are busy. I'm getting to another phase. The evaluation  may be viewed as -Self evaluation  -Job Evaluation  -Education evaluation  -Continuity Evaluation  -Community Evaluation  When the daily challenges crop out,you must  evaluate first the nature,weight,source,impact, resistance of  the problem.Dont blame others People if you fail. Wha...

In Southern Hemisphere is cold while in the Northern Hemisphere is  very hot.The bottomline  July month affects the health of anyone. Visiting  a medical  center needs the extra cash. The  second one are the clothes. In the Southern Hemisphere it is cold and you need warm clothes.You bought the  summer clothes so you have to buy the winter clothes and the more the winter is severe the more you buy  more clothes. You will need also more blankets. Same applies in the Northern  Hemisphere,it is extremely hot.You  have to buy  the summer clothes for yourself and your family. July is the most expensive  month which demands 1.Food (extra drinks) 2.Lifestyles 3.Relationships 4.Markets 1.Food (extra drinks) The July becomes more  expensive you have to eat the balanced food which includes the  7 colours. 2.Lifestyle Like  it or not our life styles change in different seasons. 3.Relationship People   have close or ope...

I don't know  what Freedom is I have visited the various countries. Some are jailed for their views. Some are not allowed to pronounce the word. Some tell us what Freedom is. They want,wish to keep the word. I ask myself how do they understand  Freedom. They feed us their own freedom. Freedom looks like a mountain. At the top of the mountain, It is cold and windy but  looking at the bottom is very dangerous. All the sweating have become useless. Over the other side, there are streams of Freedom  Some of these streams flow very fast. Some of the streams are slow. Some look shallow but deep I can see the green grass over that  side. Where are the cattle and goats for the grass? Do we have enough rains to nourish our Freedom? I cannot eat grass alone. The Lions and impalas are roaming free. Are they freer than me? Are the snakes have better freedom than myself? Are the Tiger's have boundaries? Who had created those boundaries? Do these animals carry visas? Who coul...

I would like personally  to congratulate you from the deep of might my heart.The reasons for congratulating  you are -living  your own life. -have decided  to join or not to join the money making sites which I gave you the previous sites. -reading my sites. -passing  my sites to others(evidence has showed that this  my sites are forwarded) In my life,I know  the following kinds of  people:. Those who -want  FREE money. -want Work but lazy -graduated from cunning money like stealing  -were raised by stick and that erased all their thinking.They are satisfied with what they are satisfied. -listen and take the initiatives That's why we have people who are -satisfied  about their jobs, they don't want  any  extra job because when they get home they are flat tired  -made to believe  that their  lives are destined to work  only  one type of job.They are not prepared to learn or  do  anything. -...

Whether it is formal or informal  or both formal and informal,it does help you and does help you to certain extent. We say a good education must -give you enough money. -enables you to have better health  -afford you to pay debts -be able to "feed" your family. -afford to have a better lifestyle like •clothing •having a transport. •accessinf the likes of yourself  Giving you enough money  Money is enough when you can plan and use it in a satisfactory way.Money will be not be enough when 1 Your desires are more than you earn. 2.You want to cover unlimited needs 3.You have limited sources 4.You  don't have the supplement resources. Enables you to have better health  Your education must enable  you to buy the quality medication and gives you the probability to be treated by well equipped  hospitals. Otherwise the minimum financial sources will not fit those purposes. Afford to pay debts When you live from hand to mouth,you will be pulling very hard f...

With the all the blogs,I have sent to you does it mean  that you did not improve your life,or regressed? Think of the Time you have spent on your -data you have paid daily, monthly up to now. -opportunities you have lost. -social interaction you have lost. Did you imagine to be in this situation or it happened accidental? Is there any extra payment you got  from other sources. Are you prepared to be helped? or you  just believe that your life was destined from only the monthly check? I call that a Mind Slavery. Perhaps you have been strictly confined to 1.Family Relations 2.Work Relations 3.Friends Relations 4.Community Relations I don't blame you. What I know none will get you out of that thinking. No Prayers, Culture,Habit or any help you will get  Just like a car which has reached beyond repairs. So, don't make people to confine you to their dormant ancient stagnation  the so-called  Pull down syndrome. Does it mean all the blogs I sent to you amounted t...

The daily content which you  receive fits into  all the types of people young and old. At Work All the contents which I send  to you,help you to understand the background and the previous or even the present  life of the people   you are working with.There are many misunderstandings. For instance some  colleagues are showing the gloomy face  and we  misunderstand the situation.It takes a long time to understand the motive behind your collegues.So, the blogs  which I send you open your eyes. In a summary,what  will happen when you don't understand your colleague? You may fall into the following trap You could have -wrong  conclusions -heartache -family headache -bitter life -collision So,when you read all  my blogs you will be able to -accomodate the behaviour of your  colleagues. -ease any tension -understand that people are not the same -understand that your colleagues and yourself were not brought in the same way. D...

When your hope is dashed,then there will be no -logic -energy  - determination -positive thinking  How long one must have hope? When you Put energy  the following types of hope will prebail Short Term hope Medium hope Long Term hope. Short hope motivates immediate Results like doing house chores or any manual work. Medium hope The monthly work will be  what had been achieved like the sales had been attained.One had to ask are your sales improving. Long term  hope This is the collective  successes of short,medium achievements.That will be a fair assessment of your work . Any hope when built  in strong relations -impacts positively in any job  situation. -it brings growth. -it improves your finances  How is hope build? -constant  effort -realistic goals -take the available opportunity. -understanding your strength  -eliminate all the  negative factors. Hope is supported by -creativity  -positivity -smooth navigation (passing...

The Real World means 1.you can afford to meet your day to day needs be finances, energy to work and health. 2.Why People don't want to live in the Real World? 1.Competing with others  2.Personal competing 3.Living  out  of financial  means 4.No planning 3.What happens when someone does not live to his/her means 1.Spiral deterioration  of health  2.Impatience 3.Blaming  everybody 4.To be out of control  5.Making  costly mistakes  1.Competing with  others The  problem is,there are people who swim in debts because they want to match  to the upper class. 2.Personal Competing This person wants to keep a high standard of  life. He/She  lives  a false life.This one wants to please the community. Some have the following aims -to be counted as rich. -to be trusted  by the rich people  This person believed that a higher life will reap  future benefits like access to financial resources. 3.Living out of ...

I don't know your friends and I don't know how do you behave when you are with them. Obviously in any company of friends there are 1.There are those  who are more vocal. 2.There are listeners. 3.There are those who contribute less. 4.There are those who act less. There are common characteristics.You like your group because they  -make you free. -give you guidance  -have good or even best ideas  -have what you like. Your group was formed with  -common interests -common destiny -growing interests -common preferences Well, there are people who don't like a group. Perhaps you are one of them There are those who made Social media like Facebook,Tiktok and Instagram as part of their life. There is another which is little bit sophisticated. This group like  to read the magazines, newspapers sometimes they read selectively reading about the stocks or gossips or sports. There is this group which is got  much information about the local or international  aff...

The Aims  of a Gift is 1.Fuel Friendship 2.Building  Unity 3.Moving to the  positive direction  4.To look at the bright side 5.To out  special characteristics to an individual   6.To Trust someone  What are the  benefits of this Gift blog? 1.More and better production. 2.Investing  in the  work energy  3.Honesty 4.To love  the job 5.Cohesion Fueling Friendship  One becomes more  excited  and your Friendship is strengthened. Building Unity Unity is built  when there are Gifts exchanged. Moving to the positive direction  A Gift  promotes the positive direction which will bring the positive direction. To look  at the bright side Every workstation is got  challenges. A Gift may bring the light  Special characteristics  Everyone shows his/her nature of appreciation. You can have a better understanding of the Recipient  Trust  someone A Gift brings Trust because it is a...

You were empowered since you were born. The fact that  you were taught to walk and you complied. -The fact  you were  taught to talk and responded. -You  went to school  and came through. -Perhaps the sport you played helped you to certain extent. All what I have said sounds obvious,it taught us -Preparedness -Readiness  -Determination -Energetic If such  early life  is not  catered the following might happen  - Anatomy Speech Defect  -Leg or legs stiffness -Vocabulary defiency ( which will paralyze the child's performance at school) -That  will also affect the communication skills such as •convincing,not arguing in the logic way •outlining the discussions  thoroughly. •poor leadership When you have a strong background. You will have  a convincing power. You could bring more opinions. We are living in the era  of -Mental Development  -Reality -high expectation of Results. -little or no room of failure -Intol...

We are in the mid year. When you look back from January 2026,how did you cope at 1.Home 2.Work ,3.Community 4.Finance. I know that this year is tough,that's why I provided sites which could  help you,not to make you rich but to keep you going.Those sites will help you to have 1.Less burden financially. 2.Positive Outlook. 3.Stress free 4. the  basics of life (staple food, vegetables,fruits and to a certain extent lessen the expensive fuel) Lets visit the above topics: 1.Home A Home is supposed  to be the place of Joy,peace, where you relax, honesty coupled with the progressive thoughts to crown it all,love all the people under your rough under  your  roof. Keep the developmental values. You must know you are not living in the Island. Some problems come from outside, including the relatives.The bottomlune you cannot satisfy  everybody. 2.Work/Business  I also believe that you must live by example. Not every person will like you,but try to draw the major...

We all want the better Life. It must consists of 1.Better wages (to meet the needs) 2.Good working conditions (manageable work) 3.Healthy body ( so that you may have enough energy) 4.Healthy mind (Positive utterances) 5.Stress free (Don't think too much about the Problems) 6.Happy life(Think about what can make you happy or visit comedynew.blogaddress.blogspot.com) 7.Love and be loved (A love language  binds all of us.It includes  warm welcoming, smiling and understanding. 8.Achievement (Personal Development) 9.Covering basic needs(Food, Clothes) What makes Life difficult? 1.Debt (accumulated Debt) 2.Sales ( No client or 1 client in 6 months) 3.Ever sick (no available medication) 4.Disturbed Mind (Not having clear  life goals) 5.Many Problems (Each day a new problem crops out and it cannot be solved easy) 6.Stress life ( You don't have any vision or many visions each day) 7.To be  hated by everybody(Everybody scolds, undermines and badmouth you) 8.Stagnant life ( No ...

This is the concept which most us  does not understand and it is poorly practiced from our family, workstation,place of Religion and in the society in general.If we knew and understood there will be no  -Violence -Oppression -Underpayment -Killings -Hatred -Wishing to grab other people's  resources,land or the property. -Greediness All the above concepts eliminated the freedoms of other people.There are couple reasons which have led us to such a life  like: 1.Inheritance of animosity. 2.Generational  Revenge. 3.Generational Avenge. 4.Moral decay 5.Slow disappearing of human values. 6.Disintegrating  of Family values  This kind of approach has been displayed in the world bodies like UN.We can see 1.Arrogance 2.Disrespecting other countries. 3.Aiming at Fearing. 4.Adopting the barbaric methods taught by their Ancestors. When these methods fail,some  sinistering methods  approached prevail like -Vague Economic  sanctions -A fairy story of...