7 Habits of Highly Frugal People

I ran across this article not too long ago that caught my attention. Simply titled the “7 Habits of Highly Frugal People”, it does an impressive job breaking down seven habits that everyone can do (if serious and committed) to become frugal in their spending and living. Living frugally means spending sparingly, scrimping, and skipping on purchasing simply because you have the money– choosing rather to save towards a purchase or investing in something with greater returns.

If you’re sick and tired of being sick and tired, barely making ends meet, having more month than money (with only high-end clothes or gadgets to show for), or realize that your financial legacy may not be much of one in 50-70 years (or worse, 5-10 years), then this article is for you. I took each habit, highlighted key characteristics and then provided additional details and resources at the end. I of course also included a link to the article so you can read it for yourself. Let’s get started shall we?

Habit One: Be Proactive
**Taking the first step and claiming responsibility; telling others this is your goal and intended lifestyle; listen to yourself and your excuses for buying things**

Habit Two: Begin with the End in Mind
**Visualizing effective frugality**

Habit Three: Put First Things First
**Recognize the effects of your finances and understand it’s okay to say no**

Habit Four: Think Win-Win
**Creating frugal win-win scenarios**

Habit Five: Communication
**How listening can help you to become effectively frugal**

Habit Six: Synergize
**Learning ways to be more frugal, and surrounding yourself with other frugal people**

Habit Seven: Sharpen the Saw
**Learning to frugally renew yourself physically, mentally, emotionally, and spiritually**

To read the article in its entirety visit: http://moneyning.com/frugality/7-habits-of-highly-frugal-people/? There are also some other great things and resources to consider that were mentioned in the article:

1. There are six action steps to take when you are feeling financially vulnerable: http://moneyning.com/better-yourself/6-action-steps-to-take-when-you-feel-financially-vulnerable/

2. When building wealth, remember to think of the big picture too http://moneyning.com/investing/seeing-the-big-picture-in-creating-wealth/

3. Learn to embrace the positive influence of saving money http://moneyning.com/money-beliefs/positive-influence-of-saving-money/

4. Frugality doesn’t mean having to give up all of your luxuries and things that make you happy  http://moneyning.com/frugality/are-you-tired-of-being-frugal/

5. Practicing frugal principles  http://moneyning.com/frugal-living/

6. Making SMART goals http://moneyning.com/better-yourself/add-an-s-to-smart-goals-this-year/

7. Consider these 25 ways to pay off your debt more easily. http://moneyning.com/debt/25-debt-reduction-tips-for-your-immediate-action-plan/

Copyright 2011.
Copyright 2012. Natasha L. Foreman

Natasha’s Thought of the Day 12.20.11

Life is like giving birth. We sometimes have the most excruciating pain that we could ever imagine, and we’re not sure if we will make it through– but then after it’s done we have peace, joy, and a gift–whether it be wisdom or something tangible, or both. We must remember that even the worst experiences are only temporal. So take life head on, face your fears, and fight your best fight ever!     – Natasha L. Foreman                                              

 

 

Copyright 2011. Natasha L. Foreman. All Rights Reserved

Natasha’s Thought of the Day: My Definition of a Coward

A coward is a hilarious yet pitiful sight to see and experience. A coward hides behind aliases, anonymity, avatars, masks, lies, and other people. A coward yells loudly behind mommy’s dress and daddy’s coat, but never stands out and speaks up for the world to see. A coward spits venom like a serpent but is too scared to face those they attack. A coward has little to no self-esteem, self-worth, dignity, or grace, so lacking a spine they sneak around trying to drag others to their level. A coward will hide behind a title but never live up to it. A coward is never dependable, reliable, or consistent…except in their cowardice. They simply exist, but never live, and even in their existence they don’t leave much of an impression.

I’m not too sure if I should feel sorry for the cowards of the world, sympathy, or nothing at all. They are a sad group of people. They can never stand on their own, they can never fight their own battles, they can never truly lead, they always make excuses for their inadequacies, and blame others for their shortcomings. Cowards are always the victim, always the damsel in distress, always the ones needing saving, always the ones complaining about what’s wrong and why they can’t do something. The words, ‘can’t’ and ‘impossible’ begin and end their sentences, and sometimes their days.

Cowards live for revenge, wanting to pay back those who hurt them, but they don’t have the courage to actually face this person head on. Cowards like to pick fights, but never stick around for combat, or they find a way for others to join the fight so their weaknesses are never revealed. They are the ones who spread rumors and cause drama, but in a sneaky, cleaver kind of way–that always make them look innocent. They pretend to be someone they aren’t because they don’t have the courage to be who they were created to be. They are weak-minded, weak physically, weak morally, and weak spiritually. They live in constant darkness; for only in light can one find true strength. It’s no wonder why cowards always prefer playing devil’s advocate, because for them it is too great a mountain to climb reaching up towards hope, possibility, and excellence, when they can use less effort kneeling down towards mediocrity.

I have encountered many cowards in my time, some as recently as today, and I am amazed at how much time they have on their hands to focus their energy on doing absolutely nothing of relevance in our world–except in their minds. It is pitiful that these insecure people spend so many hours of their day thinking about me, plotting and planning against me, and envious of what I have that they wish they had. We all have had our run-ins with cowards like this. See, cowards have plenty of time and energy to spread lies and hate, try to destroy other people’s reputations, families and businesses,  yet they don’t invest the time and energy to bring goodness and love into our world. They don’t have the time and energy to make a positive contribution to society, yet they can waste all of their resources trying to drain someone else and destroy their dreams. They don’t have the time and energy to build, create, innovate, inspire, embrace, uplift, and shine. Yet they have the time and energy to tear things apart, destroy, manipulate, deceive, and play childish games. They have time to send stupid messages and make phone calls to others hoping to make them feel as miserable as they do; post idiotic things on the Internet for even the tiniest bit of attention; make claims without supporting evidence; and just take up much-needed space in the world. They eventually leave this world as they entered it and lived it…clueless!

I have more respect for the person who tries and fails, than the one who never tries. I have more respect for the person with bumps, bruises, cuts and burns from falling down in life, because in their walk I see that they found a way to get back up. I have more respect for the person who comes to me directly, without masks, anonymity and code names, and just speaks their mind. I have more respect for the person who comes right out and confronts me with the goal to fight, than sucker-punch me in the dark. I have no respect for a person who isn’t brave enough to stand up and speak their mind. I say what I want to say, and clearly say my name when I’m speaking. I don’t post to my blogs or anywhere else as “anonymous” or with some made up alias, or using a picture not mine, because I have the courage to speak up, speak out, and back up what I say. My parents didn’t raise a punk, so I don’t cower over like one. I’m no bully and I won’t be bullied–never have and never will!

So I have one last thing to say to the cowards of the world…you can say what you want and do what you want, because just like your anonymity, you really don’t exist!

 

Copyright 2011. Natasha L. Foreman. All Rights Reserved.

>Never Losing Sight of Who We Are and Where We’re Going

>Let me first start by saying that I am truly blessed. I have had my share of ups and downs. I have enjoyed acquiring countless worldly possessions. I have also experienced the heartache of losing them to theft, oversight, or total disregard that they weren't mine to begin with, but God's gifts to me on loan. I have seen, experienced, and felt great loss through death, personal economic downslides, and career and relationship failures. This young woman, soon-to-be age 35 in 22 days, has experienced many things that some people will never witness; but I'm blessed for these experiences.

I can recall the day when I was around the age of four when my parents and I walked though our huge storage unit, to see that only a few items were there. Our beds, furniture, and the majority of our personal belongings were gone…stolen. How traumatic an experience at such a young age. My Holly Hobby playhouse, bedroom set, and so much more was gone! What about when 1993 rolled around and once again, personal property was stolen from my family- this time, directly from our home. Then the knockout blow came shortly after when we lost that same home. Yikes! We were homeless by definition, but to my family, home is where the heart is- and our hearts were connected together and intertwined with God.

It seems just like yesterday, but it was actually 1999, when I received a phone call that almost everything I owned was stolen out of a personal storage unit. The few items I possessed I had stored at my uncle's home, and at my mother's home. Something about those storage units, even with so-called top-notch security, my stuff always seemed to come up missing. That same year my prized BMW was vandalized by someone who didn't want to see me happy. I lost yet another material possession.

Several of my first posts to this blog shared my experiences of loss through death. I have had so many loved ones pass away that it was at one point seeming like a sick, twisted joke. I was questioning God why I was experiencing all of this loss, why did it have to be so painful and agonizing. I noticed I was becoming even more fixated on death, on losing things and the people that I loved and still love deeply. I began to miss my childhood, when everything seemed perfect and as it should be…depression caught ahold of me and placed me in a series of bear and sleeper holds that was crippling for many, many years.

Depression caused me to lose faith, lose sight of what my plan and purpose is here. It caused me to not extend my hand when opportunity was dropping 'loaves' for me to sustain, to build, to grow. I wasn't seizing the moments that were presented as gifts. I was letting life pass me by. I was so obsessed with not losing anything that I didn't notice that I was still losing plenty. My career spiraled head-first into the ground, partly because I sacrificed it in order to appease a man I was dating; and partly because I was so fearful of losing something that I wouldn't trust and believe in myself consistently to make the right decisions. I soon exhausted all of my savings, my credit sank like the Titanic, and I began to have serious health issues. I was at a low.

Now let me stop here for a moment and say that this isn't one of my deep spiritual posts. It is spiritual, but I'm not trying to go directly there with you. You can visit my other blog breakingbreadwithnatasha.blogspot.com if you want to lovingly break bread with me and share some daily scriptures, prayers, and reflection. Now let's continue…

It takes a strong person to face loss, fall flat on their face (figuratively shattering every bone) and then get back up on their feet. I have been one-two punched, jabbed, caught a hook to the kidney region, sucker-punched in the gut, and undercut dead center on my jaw by life countless times. I just find a way to dig down deep, pray for strength and guidance, as I look for something to grab ahold to so that I can pull myself up to my knees, then my feet. Once standing it can cause your vision to be blurry because the hit you took knocked the wind out of you and jogged your faculties. Slow, steady breaths help to cleanse you and clear your mind so that you can reconnect. The tingling from numb extremities eventually dissipates, and you know that your body's blood flow is back on its normal pace. There is a constant reminder that you just got your butt kicked, because your face still hurts from falling on it…but even that is okay because at least you know that you survived, and are alive!

It is important to look back and ask yourself, "okay so how did that happen?"

The answer is simple yet possibly hard to grasp, and even harder to implement a solution- You lost sight of things. You weren't paying attention in the boxing ring of life. You instead did one or more of the following:

1) You stood there in the middle of the ring and took a pounding
2) You were too busy looking out in the audience trying to see how many fans were cheering for you, and didn't see that hook coming towards the temple of your head.
3) Your foot action got sloppy because of your lack of conditioning, and being tired, you allowed yourself to rest and eventually be pinned against the ropes, as your opponent tagged their name into your forehead, chest and rib cage.
4) You should have been bobbing and weaving, making sure to keep your gloves up, arms tucked in, and feet moving. You got anxious and dropped your right hand trying to land that TKO, but instead life tapped you with it's left fist and you landed face first on the floor.

It is very easy to lose focus when our focus is on fear, a desire for power and privilege, and or, on acquiring worldly possessions just because we want something to possess- to prove our success, and that we made it. It is also easy to lose focus when we turn our eyes away from our path, and focus on someone's path in hopes of walking beside them. If we are meant to walk on the same path with someone, then that will be revealed, and our eyes are never diverted from what we were doing before we met them. It should be a natural flow and transition, no delays or derailments. It should be seamless.

I can admit that I can be hard-headed. I also believe that my Creator, God, obviously has a great sense of humor dealing with me. He obviously also loves me dearly because He could have easily zapped me out of here a long time ago. I do know that He often thumps me in the back of my head when I'm veering too far in one direction, when I should be going another route. Let me share why I say this.

After realizing that my career had spun out of control, that my financial prospectus was nothing worth sharing with anyone with a pulse, and that I had a weakness for loving love more than I loved God and myself; what do you think happened after I worked diligently to rebuild my credit, purchase a cute, affordable car (that wouldn't tear my vital organs out if it were vandalized), and gradually see a steady lifeline in my career?

I screwed it all up.

I lost my focus while in love, and let someone else's dreams and path deter me from mine. I forgot who I was and what my mission was. I leveraged my strengths and opportunities to counter and uplift his weaknesses and threats. The more I helped him on his path, the farther I walked away from mine. The more I helped his financial situation and career hiccups, the worse mine became. Eventually his credit became better than mine, his savings account balance grew, as mine was depleted; his career had a brighter outlook, and mine was almost in the toilet. I had walked so far away from my path that I was lost in the wilderness.

How could I do that to myself? How could I lose focus? How could I place more importance on someone else, and not on myself, especially when they weren't even helping me reclaim my footing on my path? I let someone's self-serving ways lure me towards servitude as their 'property', instead of staying true to myself. Guess what I received for sacrificing myself for him? Guess what I received for my loyalty, encouragement, and investments (both in time and money)? I received the gift of loss, enlightenment, humility, and wisdom all in one huge box with fancy wrapping paper and a bow. That was definitely my "ah-ha!" moment.

I'm truly blessed. I'm blessed to have experienced it, this time in a different way. I learned in that relationship exchange how to be giving, nurturing, supportive, caring, and understanding. I learned how to sacrifice my need for instant gratification in order to provide for what I considered my 'family'. It was a humbling experience. Going from breadwinner to just-over-broke in a few short years can do that. Having to rebuild alone, but never truly alone (I have grown to discover the past 13 months now), and having to believe that even that initial pain would pass, and lay the foundation of wisdom to grow and share with others.

Am I mad at him? Heck no, why should I? How can you be mad at someone else for something you did to yourself, for something you were a willing participant in? Duh!

I am blessed. My life so far has shown me that although I have been beat up from the tip of my toes to the scalp of my head, I am a fighter and I will thrive. I needed to see how it feels when I lose sight of what I'm supposed to be doing; when I get comfortable in accepting mediocrity in myself and others; and when I ignore that voice in my ear or that tug in my stomach warning me that I'm about to fall off the course.

I share this with you in hopes that you don't lose sight of the path you're supposed to be on. Make sure you aren't jumping on someone else's path, even if it appears to be more exciting or rewarding. You never know, their path may also be short-lived. I also hope that you remember that when you're in the ring to bob and weave, always keep your feet moving, keep those gloves up, and your arms in close…and remember…never lose sight of what you're supposed to be doing, who you are, and that you have the strength and ability to get back up when you're knocked down on your rump!

Natasha

Copyright 2010. Natasha L. Foreman. All Rights Reserved.
paradigmlife.blogspot.com

>Facing Life’s Daily Challenges

>

We all face challenges in life, some of us fall into valleys while others struggle to climb up to the mountain top…the difference between the person in the valley and the one climbing the side of the mountain is perseverance. Both people must look up and not look down in order to continue pulling themselves up to the next level. 
If you continue to focus on how far you must go to reach your goal you only find your journey extending farther beyond your expectations. We must focus on how far we have come to get to this point and celebrate those small and large victories for what they are…victories.
You made it another day and no matter what you’re going through you must realize and believe that IT IS a blessing! You must continue to have courage to continue to fight and grow; and faith that it can and will be done. I hope that all of my sisters young and old remember in times of turmoil, heartache and grief that, “…this too shall pass…”
©2009-2010 Natasha L. Foreman (first published November 12, 2009)