If You Have To Buy Something On Credit, You Can’t Afford It

Every time you get ready to buy something on time (using credit) think, “If I have to buy something on time, I can’t afford it.” If you cannot purchase the item without using credit and paying the additional cost of the interest, you are probably indicating that you do not have the willpower to delay gratification until you save the … Read More

25 Foolproof Ways to Guarantee Financial INsecurity

Purchase new cars every two years or when you need a new image. Purchase only “designer” clothes and other expensive merchandise that you hope will give you a better image. Don’t wait to purchase something. Buy it now on credit so you can pay the purchase price plus the interest. Don’t bother to figure out what your ultimate cost will … Read More

Actions That Promote Financial Security

Live below your means. Said another way, whatever your income is, you spend less. Never spend more than you make. This is so obvious that I can’t believe I have to state it. Save the part of your income that you do not spend. Pay yourself first. Pay into your savings first. Do it in some automatic way such as … Read More

Choose to Be In Control of Your Life

Who controls your life? Depending on your stage of life, you might answer that your life is controlled by your parents, teachers, spouse, boss, children, government, your job, money (or the lack of it), or even your pets. You might say that you are controlled by all of these or some combination. I am going to suggest that a better … Read More

Spectators Don’t Win Trophies

I’ll bet that you will be a happier person if you are a participant and producer as well as being a spectator and consumer. I know personally and have observed that people generally are more “alive” when they are producing something than when they are only consuming something. They get more out of their lives because they are actively involved … Read More

You Are the Sum of Your Habits

Habits are behaviors that we repeat on a regular basis. Think of the different habits that you have and how they affect your life. What kinds of habits do you have in the areas of: NUTRITION? What do you normally eat? How much? How often? Do you eat to live or live to eat? Is your daily diet based on … Read More

Why Worry!?

We All Worry. It’s something everyone does at least occasionally. Some people even worry about almost everything. However, worrying, especially doing so frequently, is actually one of the most counter-productive things you can do. When has worrying about something ever actually helped? The truth is, it hasn’t. Even worse, it wastes your time and energy. But that may not even … Read More

How Do You Interpret Happiness?

How Do You Know When You Are Happy? Maybe Your Answer Is A Place, Or A Person, Or An Event. No matter what you believe makes you happy, the question was kind of a trick one. You are very much in control of your own happiness. Happiness isn’t the natural response to anything in particular, but the way we choose … Read More

Your Body; Use It or Lose It

A CASE FOR VARIETY AND MODERATION FOR HEALTHY EXERCISE Bill Svoboda Our bodies have 650 or so muscles. Generations before us used their bodies far more than most of us do today. They walked more, worked on farms, in manufacturing plants, and at other jobs which did not use the technology of today. In fact, the purpose of many inventions … Read More

A “Variety of Natural Plant-Based Food in Moderation” Lifestyle

We are bombarded with conflicting information about what we should eat. Corporate advertising, government pyramids, diet peddlers, grandmas, doctors and friends all have ideas of what food is best for us. What should we feed ourselves and our children? After spending decades of reading research studies, investigating diets, watching people do crazy things to lose weight and seeing people throughout … Read More