Say what you mean!
Let your YES be Yes, and NO be NO. If you like something say you like something. If you don’t like something say you don’t like something.
I have heard people trying to sugarcoat their critisim and feedback by saying something like, “Oh, i like the way you … bla bla bla… BUT perhaps you could … bla bla bla.“.
That’s dumb. You are insincere.
After a while, no one will take what you say seriously. As soon as people hear your “I like the way you...” they will stop listening. EVEN if you mean it, no one trust you anymore.
Have some guts, stick by what you say, don’t have to sugarcoat your words! Say what you really think, make your words count. If you want to praise, just praise whole heartedly. If you wanna give critisim, feedback, then give it. Then people will value what you say.
You need to start saving!
According to some experts, at least half a year of salary to act as a buffer, an Emergency Fund. That Emergency Fund, or Reserve will give you confidence and a peace of mind, to weather the rainy days, to deal with emergencies and help achieve your goals.
Many people feel stuck with their jobs (that they hate), and have no freedom to do what they want, to pursue their dreams because they don’t have enough savings to give them the freedom.
How much to save?
The more the better. Some says 50%.
Have a goal, by X months, I must have $X as emergency fund. Whatever the amount you decide, set it aside in a different saving account and don’t touch it! Have some form of budgeting, allocate how much to save. Check out these and these or Google on personal finance advise.
Think of different ways to saves, for example, bringing your own meals to office (cheap and more nutrition, drop your loose changes into piggy banks and deposit them into saving, use Groupons, vouchers.
I don’t have a large amount of reserve, but whatever I have now has already help me tie over some months when there are cash flows difficulties. So I’m glad I have that. 🙂
I think the most important point anyone need to get their head around is that, you are using your future money. You are asking someone to pay for your purchases first, and you promise to repay them later.
The word ‘Credit’ means – “The ability to obtain goods or services before payment, based on the trust that payment will be made in the future.” In Chinese, credit is “信用” and that word represent trust (Based on the reputation as a person as being dependable, trustworthy).
When you owe others something, you make sure you repay. “有借有还 再借不难” – roughly translate to be “Always return after you borrow,then you can always borrow.”
Carrying a credit card is just a form of convenience of not having to carry cash around, making online purchases and occasionally you get a little discounts, perks and rebates, but that’s all.
If you think that having many cards in your wallet is a way to “show off” your wealth and status in life then you are a person without any depth and have no real sense of reality of life.
Make sure you are able to repay your credit card bill (in full) end of the month before you make any purchases. And stop buying stuff you don’t need! If you are making a zero percent installment purchases, then you make sure you can repay those installments every month.
“Don’t use money that you don’t have”
Don’t spend money that’s not yours, Don’t buy things you can’t afford. To me, I thought that’s really basic common sense. However when I read about how many people in certain country are in credit card debts, it just makes me wonder, how many people are without common sense. At that same time, we see how how many people can queue up for nights buy latest phones, games, latest whatever (While there are wars, famine, floods, disasters, poverty around the world). How we are consuming and consuming..complaining and complaining about stuff that doesn’t matter and doing things that don’t matters to the rest of the world. I get angry. I feel that people are just unable to decide for themselves, to pause, and reflect anymore on what they really need.
Sawadee Car!! Koh Samui (03-06 Nov 2011)
Went up to Koh Samui, end of Cheweng Beach over the weekend with some of my colleagues.