7 Signs You Don’t Make Enough Money

If you are constantly struggling to make ends meet, you may be facing a combination of problems. It can be frustrating to be in a financial rut and not be able to find a way out. You may think that you make decent money, but you are still struggling each month. You may be overspending or you may not make enough money. You may be overspending while not making enough to cover your basic needs. This can lead to real trouble. If you do not make enough to cover your bills, you will need to take steps now to increase your income. Even if you feel like you are too poor to budget, a budget can help you get back on track, and you can use these strategies to help you cope with being poor. Learn seven signs that you do not make enough money.

 You Are Using Your Credit Cards Every Month

One of the biggest signs that you have an income issue is that you are using credit cards towards the end of the month to cover all of your expenses. If you are running out of money during the month, or you are using credit cards to help you manage between paychecks, then you are most likely facing an income issue. At first, this may not seem as big, but as you run up your balance and your credit card payment goes up, the problem will only become worse. You need to stop using the credit cards as quickly as possible.

It may seem difficult to stop using your credit cards when you do not seem to have enough to cover your basic necessities. Switching to cash for your daily purchases can help you limit what you are spending. Leaving the card at home when shopping can help you cut back on impulse purchases too.

 You Run Out of Money at the Beginning of the Month

Every now and then, you can have a bad month where everything is super tight the last week or so. However, if you are struggling to make ends meet after the fifth of the month, then you are most likely facing an income crisis. This is a strong indicator of an income crisis because it demonstrates that there is not as much overspending going on. If you are barely able to pay your bills and you do not have enough left over to eat on, then you are not making enough money. You may feel like your paycheck is already spent before you receive it.

Finding a new job may be the best way to increase your income. However, taking on a second job or working side projects can help you pay down debt and build up an emergency fund so that you can do more than tread water. If this is going to be a long-term issue, then going back to school so that you can qualify for a higher paying job may be a good solution. As you improve your income, be sure to remember the lessons you learned while poor.

You Can’t Cover Your Bills

If you are choosing between which bills to pay, then you definitely have an income crisis. It is important to do something about this situation as quickly as possible. You may need to take on a second job to help you catch up. You should also look for ways to reduce your bills like moving to an area with lower rent or selling your car. Take the steps both in the short term and the long term to fix this situation.

Cutting your lifestyle means cutting back on the things you do across the board. It may mean taking your cell phone plan down to the bare minimum and canceling cable television. Instead of eating out, you should be cooking at home and sticking to a tight grocery budget. A night watching a movie may need to be a rental at home versus going to the theater. You can still enjoy life on a tight budget, but you need to be careful about how you spend your money.

There’s Nothing Else to Cut

When you look at your budget to find extra money, you cannot find anything else to cut. You are already doing without cable, you do not have a gym membership, and you never eat out. It can be very frustrating when you are choosing between eating and paying your electricity bill. If you have cut everything you can and you still cannot make ends meet then you have a serious income issue.

A bare-bones budget is more than just cutting your lifestyle. It means that you only spend on necessities and quit spending on luxuries altogether. This means instead of buying the steak at the grocery store, you go with the hamburger meat. It means that there is no eating out and you do not buy anything new unless you absolutely need it no matter how good the deal is. Generally, this is a short-term budget that can help you get by until you do something to improve your situation.

You Can’t Handle an Emergency

When you are stretched tight each month, it is difficult to put money aside in an emergency fund. If you are not able to handle an emergency, you may end up using your credit cards. Eventually, your credit card payments will grow large enough that they cripple you even more. If you do not have any extra money to save for an emergency fund each month, then you do not make enough money.

It may sound crazy to set aside money each month if you are struggling to get by, but having money to cover your emergencies can bring peace of mind and allow you to focus on other goals and issues. You can start with just an extra $50 a pay period and build up from there. Work to have between $1,000 and a month’s worth of income in your emergency fund.

 You Are Constantly Worried About Money

There is a difference between worrying about how to pay for an unexpected car repair and the sick knot in your stomach that never leaves as you worry about how to pay for groceries or cover the rent. If you are worried about money constantly, and it is keeping you awake at nights, you are likely not making enough money. Put some of the worries to good use and start making a plan that will turn your situation around.

A budget allows you to plan out your purchases ahead of time. An emergency fund allows you to cover unexpected expenses. If you are moving from financial crisis to crisis, you will not make traction on your goals. Utilizing these tools will make it possible for you to create and stick to a financial plan.

 You Are Not Reaching Your Financial Goals

If you are barely staying afloat and not making any progress on paying off your debt or saving money, then you are likely not making enough money. This situation may not be as serious as the other signs listed above, but it is still enough that you may want to take the steps you need to change your current situation. You may find yourself in this situation when you start your first job, and you don’t make as much as you thought you would. You need to address this before it becomes a more permanent problem.

Making a goal to get completely out of debt in a year may be a great one, but if you have close to $30,000 in debt and you only make $40,000, this may be impossible. Make sure the goals you are setting are achievable and specific. It may be paying off one credit card by the end of the year or it may be sticking to your budget while working on your debt. You can begin to make real changes in your finances a step at a time.

Source: thebalance.com ~ By: Miriam Caldwell ~ Image: pixabay.com

Self-Care for Health and Stress Management

Do you struggle with so many responsibilities in life that you forget to take care of yourself? You might be dealing with the care of your children, perhaps you are a caregiver for a family member, or maybe you are giving  150% of your energy to a business you are trying to launch.

And, while it is hard to prioritize something like getting in just 30 minutes of exercise when you have so many other things on your to-do list, remember that self-care is an important aspect of stress management.

How Self-Care Benefits You:

However, if you want to feel more resilient and better able to manage life’s stresses, you need to take time for self-care.  A walk around the park, a long soak in the tub or other forms of pampering renew you inside and out. Taking time out to maintain self-care has several benefits:

It Makes You a Better Caregiver

When people ignore their own self-care, and forget to tend to their own needs,  they risk deeper levels of self pity, low self-esteem, and feelings of anger and bitterness.

Sometimes people who spend most of their time taking care of others can be at risk for burn out, which in turn, makes it very difficult to care for others, much less themselves.

In reality, when you care for yourself regularly,  you make you a better caregiver for others.

It Affects Your Health & Wellness

While self-care doesn’t always lead to any health and wellness enhancements, the way healthy a diet and exercise do, the relaxation you get from self-care can trigger a decompression response… which can prevent persistent stress from damaging your health.

It Affects Your Emotional Well-being

If you feel like stress is taking over your life, think how you can better handle its effects and find relief in simpler routines.

Taking time out to care for yourself can remind you, and others, that you also have needs that are important too.

And, when you take care of  yourself — you feel better about yourself and your life. This sends a message to family and friends around you – that you value yourself. It also contributes to your long-term feelings of well-being.

The Importance of Self-Care

It goes without saying that if you are getting enough sleep, eating healthy meals, including down-time in your schedule and making time for friends, you already understand the importance of self-care.

However, a few hours of self-indulgence on a regular basis is also a good idea. A couple of hours of  ‘me-time’ for a spa treatment might be just the ticket to help manage the stress, and here’s why:

It Calms Chaotic Feelings

Giving your body special treatment is an inherent way to alleviate stress. Besides keeping your skin soft and your body well maintained, spa-like activities, like massage, and warm baths have been known to comfort even cranky babies like nothing else.

Similar activities continue to be effective means to an end, providing the necessary diversions we need as we get older, however, sometimes we forget to make use of them.

It Gives You a Break from Stress

Spending some time in a bubble bath, or taking the time for a full body massage can help you relax and escape the day to day stressful reality, providing a  mental and emotional break.

As previously mentioned, it triggers the relaxation response and allows you to come back to the reality of your life feeling refreshed and relaxed.

It Gives You Time Alone

Whether you are an extrovert, or an introvert, having some time along is important to most people in order to function at your most efficient.

When you give yourself some down time, it’s much easier to slip into a state of quiet introspection and soul searching, giving your mind the chance to work on problems without taking all of your attention.

Side Hustle Your Way To Extra Income

Who couldn’t use a little bit more money? Whether you are a stay at home mom, starting a kids college fund, trying to pay off student loans, saving for a down payment on a house, trying to pay down debt, or just putting some money away for a rainy day, a little bit of extra cash can go a long way. You need a side hustle

Maybe you have a job but you dream about being your own boss… running your own business. A side hustle from home can be a game changer that’ll make a difference in your cash flow while giving you the freedom you have always wanted.

No matter where you live or what you do for a living, one of the benefits of the internet is the ability to make money, anytime, anywhere.

Think of it this way – you have the world at your fingertips and all you have to do is tap into an unlimited number of potential clients on social media, and BOOM! – your side hustle is producing an income. And you are earning that extra income you need, moving in the direction of a full-time, work from home, legitimate business!

How to Build a Successful Side Hustle

So you have decided to get started with your own side hustle from home but you don’t know where to start. Here are a list of steps to follow for you to start developing a successful side hustle today:

Don’t go into this endeavor blind – you need a personal development plan.

“Setting goals is the first step in turning the invisible into the visible.”  Tony Robbins

Are ready to stop drifting along doing whatever comes to your attention, and you are ready to have more control over your life – then you need a precise plan.

The power of a precise plan lies in the fact that, if you plan, you are able to focus all of your activities in the right direction. The result – more control over your life!

A Personal Development plan is a detailed coordination of a complex operation where you develop strategies and implement tactics that result in a prosperous future. Think of it as an attack plan for your life!  READ MORE

Know what your goals are and why you want to accomplish them.

“If you want to be happy, set a goal that commands your thoughts, liberates your energy and inspires your hopes.”  Andrew Carnegie

So what’s your plan? If you’re like most of us you have some goals in mind, but let’s go one step further and put together some SMART goals.

SMART goals will give you a game plan that makes it much easier to make decisions and helps keep you on track.

Just the process of writing down SMART goals will go a long way, but defining the reasons for accomplishing those goals makes all the difference in accomplishing them. READ MORE

Schedule time for your side hustle

“He who every morning plans the transactions of that day and follows that plan carries a thread that will guide him through the labyrinth of the most busy life.” Victor Hugo

It’s time to remove any self-sabotage or self-limitation you have around “not having enough time,” or today not being “the right time” to start a business or manage your current business properly.

There are only three ways to spend time: thoughts, conversations and actions. Regardless of the type of business you own, your work will be composed of those three items.

As an entrepreneur, you may be frequently interrupted or pulled in different directions. While you cannot eliminate interruptions, you do get a say on how much time you will spend on them and how much time you will spend on the thoughts, conversations and actions that will lead you to success. *entrepreneur.com  READ MORE

Set up Business Systems

“Systems run the business, and people run the systems” Michael Gerber

Once you have been working a week or two, you should have a lot of connections and a lot of follow ups. And next week you should have more connections and more follow-ups.

Let’s talk about purpose management. It’s very, very important when you are managing your business that you are ‘keeping the main – thing the main thing’. Right now we’re focusing on our income producing activities.

For example, when you are setting up your calendar and scheduling time for:

  • Income producing activities and highlight in green.
  • Time with family for meals and everyday activities and highlight in blue.
  • Fun time with family and friends, or just time for yourself should be highlighted in yellow
  • Other things we have to do in life (doctors appointments, grocery shopping, banking, etc.) should highlighted in orange

I don’t believe in time management, but I do very strongly believe in Purpose Management… manage your life with purpose, include work, family and fun – it will set you FREE! READ MORE

Learn the Art of Connecting with People

“The goal is to provide inspiring information that moves people to action.”- Guy Kawasaki

Connecting with people is about understanding their motivations, and providing VALUE whenever, and wherever possible. However, we cannot simply ‘give’ endlessly. We have to build our lives (and our relationships) connections that reciprocate.

Most of us are looking for deep connections with:

  1. People we can trust implicitly
  2. People we can rely on
  3. People who sincerely appreciate us for who we are

When you sincerely connect with your own soul, who you are and what your purpose is… other people see that and want to connect with you. READ MORE

Learn the Art of Social Media Engagement

“Lead people with what they want. – Lead with what they’ve already said. – Lead people from where they’re at. – Lead them with the things that concern them.” – Sandi Krakowski

Once you know the target audience you want to reach on social media, what social networks they are active on, and the social networks you will use to reach your target audience, here are 9 social media basics to help you get your social media presence off to a good start.

  • Complete Your Profile
  • Ensure Consistent Branding
  • Share Content Regularly
  • Respond Quickly To Comments & Questions
  • Share Content Your Customers Value
  • Link To Your Website
  • Use Images & Videos
  • Prepare to Pay for advertising
  • Persevere – Don’t Quit

Real progress or growth with social media is a slow, steady and sometimes painful process. This is especially true when you are just getting started with social media. Like most anything of value, social media requires time, attention and especially perseverance to produce results. READ MORE

Conclusion

A side hustle can bring in that extra money you need each month. You will also develop new skills, build a personal brand, achieve financial freedom and live on your own terms. And with some more money in your pocket, there’s nothing stopping you from making your dreams come true.

Cleansing Your Way to Better Health

Basic nutritional re-balance in your body and understanding the principles of inflammation -disease-manifestation are the cornerstones to improving your overall health. It is of no real benefit to masking the symptoms without removing the original causes. On the contrary, such an approach robs the body of its ability to fight its own problems and may lead to permanent health damage and may unfortunately lead to dependency on drugs/treatments that often have devastating side-effects.

The following may shed some light on why people develop inflammation – diseases, which when analyzed properly, can turn out to be no diseases, but appropriate, natural responses by the body to protect itself against the conscious or unconscious abuse on the body. Depending on constitutional status, dietary habits, excessive lifestyles, ability to deal with stressful situations, environmental factors, and existing predisposed weaknesses in the body, the symptoms may vary from person to person, but the mechanisms of inflammation – disease manifestation are similar.

One person may develop fibromyalgia, another respiratory weakness, a third, chronic fatigue- stress, yet they are all suffering from severe intestinal trouble and resulting lymphatic congestion and nutritional imbalance -undernourishment. Wherever the blockage occurs, symptoms show up. And wherever the blockage is removed, the symptoms disappear. It is up to each person suffering from health problems to help himself/herself.

The following are a few examples of conditions affected by inflammation, since these conditions can be chronic in nature, that is, they are constantly re-created by the afflicted person making the same mistakes over and over again. Many conditions caused by inflammation can be reduced if with body cleansing: elimination of cellar waste and detoxification.

FIBROMYALGIA

Fibromyalgia can be a painful condition that affects the connective tissue responsible for holding muscular cells in place and feeding them with nutrients. The symptoms may vary, in some patients the pain is felt all over the body. In others, it appears in localized areas, for example in the shoulder (frozen shoulder) or the elbows (tennis elbow). Fibromyalgia s considered to be a form of rheumatism with the difference that it affects the softer tissues of the muscles rather than the harder tissues of the joints.

Although there may be a number of causes involved, many of them lead to one common underlying factor — acidification of the body’s connective tissues, toxicity. Many patients are told that excessive, regular, and one-sided use of muscle groups causes the death of muscle cells because the increased oxygen requirement cannot be met. This then results in the accumulation of dead muscle cells, leading to a thickening and hardening of the connective tissue.

RESPIRATORY WEAKNESS

It is much more likely that when the respiratory functions are already impaired through congestion and insufficient drainage of lymph/waste from the lung and bronchial areas, the oxygen demands of the body cannot be met. Most respiratory weakness is due to lack of enough ‘fresh’ air, not enough exercise, allergies acid-forming foods such as milk and dairy products, meat, sugars, soft drinks, coffee, cigarettes, alcohol, and/or irregular sleeping patterns. Suppressing emotional issues is another major contributing factor to respiratory difficulties.

Those parts of the body where waste removal through the lymphatic ducts is obstructed creates havoc in your lungs. For muscle cells to die and remain trapped in the connective tissue it takes much more than just repeated strenuous physical movements. Thickened and acidified connective tissue does not permit sufficient amounts of oxygen and nutrients to make their way through to the cells. Among the above reasons responsible for causing poor respiration, diet and digestion assert the greatest influence. Regular consumption of animal proteins, dairy food, refined and hardened oils and fats, as well as most processed foods are notorious for causing such acidity-related problems. Most factory-made processed food products are deprived of all living substance, and are considered “non-physiological”, that is inflammation – disease-generating.

Processed foods, no longer being in their natural form, rob the body of vital nutrients and can damage the probiotic flora of essential bacteria located on our skin and mucous lining along the intestinal and respiratory tracts. It is vital to have these highly useful bacteria, they are our first line of defense against any harmful substances and adverse invading organisms. Once the flora has been damaged, these acidic food compounds find entry into the connective tissues creating havoc throughout the body. Consequently, just to neutralize these substances, the muscle, bone, and organ tissues must give up some of their own oxygen, minerals, vitamins, trace elements, etc. Once this second line of defense is exhausted, too, the connective tissue becomes increasingly filled and saturated with cellular debris, metabolic waste, and toxic compounds and it thickens to a gel-like consistency. Microbes start coming on the scene, attacking the accumulated waste matter, which leads to inflammatory cascade.

Hampering proper lymph drainage and reducing the clearing of all naturally occurring metabolic waste products, results in stagnation causing overused and tense muscle groups in the body. This lends to malfunction and battle cry for attention and the battle to fight inflammation begins.  Most of the people who are affected in this way have no idea; however, the regular intake of sugars, stimulants such as coffee, cigarettes, sodas, alcohol, dairy products, fast foods and junk foods, may have something to do with their muscular rheumatism. They may also not realize that the pain syndrome in their body indicates the presence of a deeper metabolic imbalance that affects the entire organism.

The organs of elimination and detoxification become heavily overtaxed, which forces the body to dump the waste matter elsewhere, such as in the connective tissue of muscles. Also energy levels drop, and emotional well-being is disturbed. All this can cause multiple symptoms, including headaches, constant tiredness, reduced ability to concentrate, fluid retention, abdominal pain and diarrhea, etc.

The most thorough and fundamental treatment program for these and many other health problems consists of cleansing the major organs and systems of elimination and detoxification, including the liver, kidneys, large intestine, small intestine, lymphatic system, lungs and skin. Unless they are cleared of any obstructions such as gallstones in the gallbladder and bile ducts of the liver, stones or grease in the kidneys, hardened deposits of undigested foods in the intestinal tract, layers of accumulated protein in the walls of blood vessels, etc., the body will continue to absorb toxic wastes in the connective tissues. Once the absorption capacity is exceeded, the waste spills over into the body’s orifices, e.g., eyes, ears, nose, mouth, skin pores, causing congestion and impairing sensory functions.

When these organs and systems are cleansed and begin to function more efficiently again, the body systematically retrieves and neutralizes the deposits of toxic wastes in the connective tissues. As a result, the symptoms of inflammation – pain begin to disappear. This is easy to understand since pain arises only when ducts, pathways, vessels, etc. become obstructed. Respiratory weakness and many other inflammation areas of the body may not be considered to be diseases, but they could be a signal the body generates in order to warn its owner of the imminent danger and to deal with the existing toxicity crisis in the best possible way.

CHRONIC FATIGUE – STRESS

Chronic fatigue is a sign of major imbalance on all levels of living, physiological, psychological, and sociological. Its main cause, however, is overuse of the body’s energy resources. Since waste elimination is suppressed, there may be multiple symptoms of congestion, swellings, headaches, pain in joints and muscles, enlarged lymph nodes, etc.

Many professional athletes, for example, suffer from this condition later in life, especially when drugs were used to increase performance. There is a certain amount of life-energy available that is supposed to last for the entire natural lifespan. If used up within a few years, there is not much left for the later years.

But not only athletes tend to abuse their energy systems. Many people over-stimulate their body unnecessarily, just to derive sensory pleasure. Excessive travel to different time zones, chronic exposure to stressful activities can lead to the same depletion of energy that athletes can suffer. Even the overuse of the sense of sight, by watching too much TV for example, can cause major energy depletion. The nervous system must use vast amounts of energy, vitamins, and water in order to keep up. If this over-stimulation, prompting a constant release of the stress hormone adrenalin, becomes too strenuous for the body, it goes into exhaustion and may fall asleep — a common experience especially among the elderly. Also, regular exposure to low frequency electromagnetic fields, radiating from TV sets, computers, car engines, and household appliances, are another major source of energy depletion.

Perhaps the most important cause of chronic fatigue is many years of over-stimulation through food and beverages. Foods that are non-physiological, have no real value for the body, rob the body of its energy reserves. Since they don’t provide energy to the body, the body is forced to give up its own resources to deal with them. Typical foods and drinks that have such an effect on the body are isolated sugar, cakes, candy, pastries, all stimulants such as caffeine in coffee, tea, chocolate, soft drinks, preservatives, coloring agents, emulsifiers and other chemical food additives, pesticides, hormones, and antibiotics contained in meat, milk, and other foods, meat, and basically all factory-produced foods.

Many modern foods and drinks literally trigger a fight-or-flight response in the body — a system of survival that is only to be used in emergency situations, such as facing an immediate danger from an approaching car. All stimulants trigger this survival response. Constant stress, and irregular sleeping habits, of course, do the same. A typical adrenalin release uses up a vast amount of energy in the body. Fatigue results when a number of these factors, combined with a longstanding weakness of the digestive functions, lead to the exhaustion of almost all energy reserves in the body. Since digestion is impaired there is not much energy left to fill up the complex sugar reserves.

Stress always goes hand in hand with severe congestion occurring in many parts of the body. This applies particularly to the lymphatic system, where thickened lymph fluid filled with metabolic waste products, toxins from foods and environment block the small and large lymph ducts and cause lymph node swelling or lymph edemas. Once lymph flow is continuously inhibited the surrounding tissue turns into a pool of toxins, which in turn can have a detrimental effect on nutrient and energy supply to the cells, organs and systems in the body.

The body, being a composite of ducts, channels, vessels, biochemical and electrical pathways, can only be energetically self-sufficient, when it is free of any abnormal obstructions. The various symptoms of inflammation simply reflect the location and degree of congestion and toxicity. In the case of chronic fatigue, the degree of congestion in these ducts and vessels is very high. Water, oxygen, glucose, and other essential substances are increasingly hindered from entering the cells.Consequently, cellular energy production remains too low to meet the body’s high demands for energy.

Since the liver serves as the main energy distribution center in the body, a series of body cleanses usually alleviates the situation greatly and in fact often fully restores normal energy levels.

In closing, to restore normal energy levels, remove pain and other symptoms of inflammation it is necessary to open all congested areas in the body through simple body cleansing. Diet and lifestyle must be adjusted to support the body in restoring its complex energy reserves and to deliver nourishment to all organs and systems. A body that is cleansed and free of congestion has no need to generate pain signals; instead it is a constant source of happiness, freedom and rejuvenation.

Circadian Rhythm – Our Body-Energy Clock

Our Body-Energy Clock ebbs and flows with energy a during a 24-hour day. Every hour of the day our body supplies fluids, nutrients, proteins and removes toxins; this process is referred to as Circadian Rhythm.
Circadian RhythmResearch supported by the National Institutes of Health has shown that the body’s Circadian Rhythm can influence sleep-wake cycles, hunger, cell regeneration, hormone release, body temperature and important bodily functions. Studies show that disruptions to your Body’s Energy clock can effect your sleeping patterns, hormone balance and could be linked to a host of health issues such as heart problems, obesity and depression.
Do you plan your daily activities around our Body-Energy Clock?  Think of lifestyle habits you might modify in order to better synchronize with your Body’s Energy Clock.
A good start is to eat heavier meals early in the day when the stomach is at its peak to catch your body’s warming energy. Eating larger meals of the day early delivers nourishment to the small intestine when it is strongest, which aids absorption and assimilation.
By contrast, have you ever eaten too much in the late evening, and awakened in the wee hours of the morning and were unable to fall back to sleep? Chances are good that you were tossing and turning between the hours of 1 a.m. and 3 a.m. when your over-loaded liver was struggling to do its work.
Before electricity and the light bulb, people ate supper and retired early, allowing time for the last meal of the day to digest so that the liver could be most effective in its peak hours of activity.
The work shift of the liver reinforces the concept of making the last meal of the day a light one that is consumed on the early side. The more time that passes after food is eaten before peak activity of the liver, the better the liver will be able to carry out its myriad functions
In the same way, it is taxing to the system to deal with late night snacking. When we eat late at night, food is not well absorbed by the small intestine and the liver has little opportunity to do its job of housekeeping.  Between 1-3 a.m., the liver reaches its peak, doing its work to cleanse the blood, while the small intestine, the organ responsible for the absorption and assimilation of many key nutrients, is at its ebb.
When you eat with your natural Circadian Rhythm, you give your body the best chance to do its work well.  You feel better and release your natural energy.