Health is the greatest wealth of man. Invest in your health because it is your number 1 asset. If you are not healthy, your mind and brain is affected. You cannot think and decide which is better for your success.
Most of the time you miss to grab the opportunities once your health is not stable.
It is not the money or your income your number one asset. The first and the most important asset is you.
So, it is important to care your body and your health.
Healthy well-being can produce a wealthy mind. I will share the top health is wealth quotes. These inspiring sayings about wealth and heath will give the real “health is wealth” meaning.
Here is the 10 best phrases for your health is your wealth quote.
“Health is the great of all possessions; a pale cobbler is better than a sick king.” – Isaac Bikerstaff
“It is health that is real wealth and note pieces of gold and silver.” – Mahatma Gandhi
“The first wealth is health.” – Ralph Waldo Emerson
“To get rich never your risk your health. For it is the truth that health is wealth of wealth.” – Richard Baker
“He who has health, has hoe; and he who has hope, has everything.”– Arabian Proverb
“Early to bed and early to rise, makes a man healthy, wealth and wise.” – Benjamin Franklin
Health Is Wealth Quotes
“Heath is like money, we never have a true idea of its value until we lose it.” – Josh Billings
“Time and health are two precious assets that we don’t recornize and appreciate until they have been depleted.” – Denis Waitley
“A wise man ought to realize that health is his most valuable possession.” – Hippocrates
“You cannot enjoy your wealth, if you cannot enjoy your health.” – Unknown
What to do with a raise on your salary? This is a common question I encountered from my friends who got salary raise as they welcome the New Year. Actually, in the middle of last year I got a salary increase. Though the amount of increment is not as my expected one but I am still grateful to receive it.
It means my company appreciates my hard work and my dedication to my job.
What to Do With a Salary Increase
I want to maintain my cost of living so that I could not include my increment to our monthly expenses. If you ask me what will I do with my salary raise, I will do like what successful rich people do. I will save my raise amount.
Yes, it is practical to make the most of your pay raise by saving rather spending on unnecessary things. I don’t want to spend it to buy gadgets, clothes or to spend vacation. Expenses like these have no return value at all.
I like the idea of saving like what rich people do. Then I will use it as a capital for my investment or business venture.
What I observed from most of the people is when their income increases their expenses increases also. It is by nature to people to live and spend based on his income level.
In our society, low income family purchases a house and lives in an affordable community. They send their kids in public schools. The worst is they are eating unhealthy foods. Healthy foods are expensive in most modern cities nowadays.
High income or middle class people live in the middle class community. They send their kids in private or good schools. They wear branded clothes and watches. They maximize their income by eating outside most often.
Poor and middle class people spend on liability to show up or pretend that they are rich while the wealthy people are always hungry to buy assets. Assets can surely give substantial return over time.
What I like one of the good habits of the highly successful people is buying items that will have in return in the future. They buy businesses or assets to leverage their money. Rich people acquire more and more assets in order to receive multiple stream of income.
I found out that affluent family desire higher revenue from multiple stream of income in order to buy freedom and to live their dream life.
The big difference between the poor and the rich people is how they use or spend their money or income. Rich people want to buy time in order to have freedom to utilize their precious time. They want to spend more time with their family. They care to spend their time to do what they love to do most.
Poor and middle class want to sell their time to wealthy people in exchange of money and we called it salary. They look for job where they can trade their time with the affluent people.
How to Make the Most Out of a Pay Raise
The most important for me is to quit a job as soon as possible. I want to have a personal and financial freedom. I don’t want an idea of begging from your boss if I want to take a vacation or leave.
I want to save more and more money in order to quit from my present job. That is why any extra income or pay raise I will automatically put it into savings account.
Save and invest wisely your pay raise so that you can enjoy it later with your family
I want to explore and take the adventure of starting and running my own business. For me, having worked with someone is enough. I am happy for all those years that I gained experience and I learned lessons of life.
Without saving you cannot get out from the rat race. You cannot reach financial freedom if you are still spending more than what you earn.
Regular pay raise is good and it can be helpful to save more money. The higher amount you put into saving and investment the earlier you can reach your financial goal and freedom.
Invest your salary increment and when you get rich do not forget to visit this place
A little sacrifice of being frugal in order to save more money will have a great impact of your financial life tomorrow. Elbert Hubbard said, “The best preparation for good work tomorrow is to do good work today”.
Reading the best quotes about frugality empower one’s life to focus on improving financial being. Get inspired and motivated from the great ideas of some leaders, gurus and writers to manage your finances, creating financial planning and working your financial goal.
Successful people love to read inspiring words and quotes. They know that encouraging words of wisdom stimulates their mind and inspires their heart while creating their own future.
I am happy to share these 25 living below your means quotes. In fact, living below your means is one of the great habits of successful and wealthy people.
The Best Quotes About Frugality
You can share these thrifty quotes to anyone you could inspire to start their new financial life or to anyone you know that can focus or encourage practicing frugal living and living below your means.
“Whatever your income, always live below your means.” – Thomas J. Stanley
“There is no dignity quite so impressive and no one independence quite so important, as living within your means.” – Calvin Coolidge
“Be industrious and frugal and you will be rich.” – Benjamin Franklin
Everyone knows that saving money for this year can be achieved if we wanted it to. There are plenty of ways to save money that you can apply in your daily life. This is the right time to be practical, frugal and to manage your money that can put into savings.
“Financial peace isn’t the acquisition of stuff. It’s learning to live less than you make, so you can give money back and have money to invest. You can’t win until you do this.” – Dave Ramsey
If you have a great career or start earning, frugal living and saving money is one of the greatest habits of successful people. We are not sure what our future will bring us but if we plan and make action now, it is like we are making our own future.
Best Ways to Save Money
Pay off your Credit Card Balance
You will save a lot of money every month if you will avoid late payment and interest charges from your credit card. Always pay off your balance every month.
The credit card’s interest rate is very high and among the highest. In fact, in the United States alone, a typical credit card charges you an interest ranging from 7% to 36% against the balance debt.
Having a shopping list is one of the best ways to save money on groceries. You only stick to buy what you need and what in your list.
If you do not have the shopping list and you are going for shopping or grocery, the tendency is you buy even those things that are not necessary to you and to your family. You lost your focus. Please check my 10 tips to save money on groceries.
Avoid buying branded clothes
Branded clothes are pricey. Designers and clothes companies charge their products higher to attract fatter wallet or higher class community. The price adds the cost involved on costly advertisement fees and celebrity endorsements. These are the few reasons why branded clothes are expensive.
Some folks buying branded clothes because of ego or psychological reason. They want to show up that they can afford to wear designer clothes.
For me it is not practical at all to buy expensive clothes.
You can buy good quality clothes yet not so expensive. Try to visit Forever 21, Style for Less, Rue 21, ASOS and many other stores or on-line stores.
Big Saver’s Billionaire
Book your Ticket Early
If you are planning to go for vacation or to travel, you should plan ahead and book your ticket early. The price of plane ticket is cheaper if you are booking early. The ticket will increase within the two weeks’ time before the flight.
We used to book our plane tickets 2 to 3 months before our flights and most of the cases we found it cheaper to buy early.
Health insurance is very important and you do not know when you need it. It does not need to be expensive one for your family.
Health insurance can greatly affect the family finances when one of the members get hospitalize.
Cancel Gym Payment
To exercise, work out or to get fit it is not necessarily to pay for gym membership. There are many options that are effective, efficient and practical workout that can be done outside the gym.
Let say you are currently paying $50 every month for your gym membership and if you cancel it, at the end of the year you are saving about $600.
Walking, abdomen benches, push ups, jogging and squats are few effective workouts for your body. You can do these exercises outside the gym or in the public park.
Cut your Telephone Lines
I think we are in the modern generation and we have better communication technology. If everyone in your family has a mobile phone and you are still paying for your telephone lines, now is the right time to cut it.
Your mobile or smart phone is enough if you want to call your friends, family, boss or during emergency scenario. You can save from $120 to $480 each year if you stop telephone subscription.
Avoid TV Subscription
You can watch your favourite TV program from internet. TV subscription is additional family cost. If you have internet connection, it is logical to cut your subscription.
You can save money for your television bill.
Do not get me wrong, yes you can watch your favourite TV channel through online. There are many free online TV programs.
“Wealth consists not in having great possessions, but in having few wants.”- Epictetus
Buy Using Cash
Develop a new habit this New Year by using cash whenever you want to purchase groceries or any of your needs. There is a psychological reaction in your brain if you pay cash. Most of the time you are reluctant to hand over your cash to the cashier once you are paying your stuffs.
Not like if you are using credit cards, there is an impulse to buy things even though it is not necessary. There is no pain feeling to go for shopping using your plastic card and the tendency you will purchase more.
However, if you practice using cash to buy anything you need you are avoiding going out to buy or to eat. Using cash not only can limit your spending habits but you can also save more money from buying wants.
Take advantage on discount price or on sale
When you are planning to buy for electronics or other stuffs take advantage on sales or discounted period. Thanksgiving and Black Friday sales or even year-end sales are the best times to buy electronics, clothes, etc.
These times you can save a lot and you can get best deal suited for your needs.
Pack your own lunch
If you are having a day job, it is practical to pack you own food for lunch. You can save few bucks every day than eating from restaurant.
Preparing your own food is healthier than eating in the canteen. Remember that the healthier food you are eating the lesser prone to diseases. Meaning you are also avoiding hospital or medical bills.
Avoid eating out often
Eating outside with your family or friends is costly. Try to limit one or two times a month. Instead of meeting your friends in the restaurant, you can invite them in your house.
You can cook and serve it to your friends.
Best Way to save money on food is to eat meal from fastfood
Rent out your Spare room
If you are living in a big house or apartment and you have extra room, you can rent it out. Many working people are looking for room sharing or renting room.
Once you earn from renting room, your monthly amortization or rental will be reduce subsequently. If you are paying $1,200 every month and you are renting your extra room for $600, you save at least $600. This is a big saving, imagine for one year you save $7,200.
Consider small house
If you are planning to buy new home, consider a decent small house. Having small house can pocket you huge bucks saving every month from amortization, interest, utilities bill and maintenance cost.
I bought my iPhone through plan and I watch always my international call expenses. By monitoring your extra calls or internet data consumption can avoid additional cost for you.
If you are using iPhone, always make sure that your “Cellular Data” is off if you have access to free Wi-Fi in your office, home or public places. I have a friend that he forgot to turn off his cellular data and he found out at the end of the month he received higher amount on his mobile phone bill.
Send Kids to Public School
If you are spending much money for your kids’ education, consider sending them in public schools. Enrolling your child or children in private institution will not guarantee to get a quality education. There are many state run schools that offer quality education and produced successful professionals.
Once you transfer your kids to public school, you will notice that your monthly expenses will drop obviously.
You can save money by saving water. Don’t rely only on tap water to clean your garage or to water your plant. Collect rain water and you can use it in many ways.
You can save water by taking shower instead of taking a bath tub. Another tip to save water is to boil exact volume of water you need rather than to fill full your kettle.
“Never spend your money before you have it.” – Thomas Jefferson
Consider Solar and Green Energy
Solar electricity or green energy became famous because of some folks that are concerned on global warming issues. Sun is free and it is a smart decision to take advantage of the energy coming from the sunlight.
Solar panel and other related materials are expensive at the start but on the long run it can pocket a lot of money. Indeed adopting green energy can save too much money in heating or cooling your house.
If you have co-workers that are living near your home, you may consider carpooling. I recommend also adopting carpooling with neighbours that are working near your office.
You are driving less but save more. You save on fuel expenses, car maintenance and wear and tear of your car if you practice carpooling.
Company Health Insurance benefits
Take advantage of health insurance benefits from your company. My kids’ health insurance is covered in my wife’s company. Once we visit the doctor we spend less for consultation and for medicine.
Health insurance can give you huge saving every time you or any of your family members visiting the hospital. You do not know what you family medical needs in the future. Having insurance is a must not only to save money but also to have access to the right medication.
Reduce your Power Bill
Cut your electricity consumption to pocket your savings. Always turn off the lights if nobody is using.
My personal tip is if your kids are still small or young, you can sleep together in one room. You can turn on only one air condition unit especially in summer.
Save money regularly in order to spend remaining of your life here
Consider free credit cards fee
If you want to have credit card for whatever reason, choose only those that can provide free annual fee. You know that 25% of credit cards have no annual fee. The credit fee ranges from $50 to $500.
Drinking soft drinks is not only unhealthy but also will cost you few bucks every month. It is true that you can pocket some money if you drink only clean water rather than soft drinks.
If you are travelling or going out, I recommend bringing your water also. Every time you feel thirsty no need for you to buy for drinks.
“Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time.” – Johann Wolfgang von Goethe
These are only few of the best ways to save money this year. You can practice more ways of saving money in your daily life. The more money you save the more stable your financial being is.
Practicing frugal living is essential to build wealth. Without saving, you are making your future endanger. In this case the lack of money controls you and you became more trapped of financial struggle.
The world’s popular New Year’s resolutions ideas are the utmost and most common goals to achieve by majority of people through the year. New Year is fast coming and most of the people are busy preparing their New Year’s resolution. Making resolution is the first step in attaining your promises to yourself or to your love ones.
People who write their resolutions or goals are the most likely to succeed. So the important tip to do is not just say it but write your goals in the paper with your heart.
New Year is the best time to reset your goals and your priorities. This is also the period that you can refresh yourself.
Popular List of New Year’s Resolutions Ideas
For your guide to prepare you to prepare your own list of New Year’s Resolution, below are the most common world’s New Year Resolution ideas list.
Most Common New Year’s Resolutions
Spend more time with the Family
This is absolutely right. Quality time is you have to set aside more time with your family. Spending quality time with your family is essential especially if you have kids to play with.
Many mom and dad quit their job and decided to work at home in order to be with their family most of the time. Time is too short to waste. Time is gold and you cannot return back every minutes that passed by.
Get Out of Debt
Many people decide that New Year is the right time to start paying off debt. They want to get out from financial obligation from their lenders and stress of managing debt.
One of the top financial New Year’s resolutions is to save money either for investment or for future uses. Starting January you have to commit to live below your means or control your spending habits. The lesser your expenses the bigger amount you can save.
In saving, it does not matter how much is your income. The most important is you have to save first before you spend your income.
Billionaires like Warren Buffet, Carlos Slim and even Mark Zuckerberg are big savers. These billionaires are living below their means. Actually, in my older article, to save money is the top financial new year resolution.
As soon as you realize that you need to have a body shape, you must starting working out to become fit. Getting fit became famous among all middle class and working people.
They realize that having a fit body is an asset or wealth. They are not prone to spend high medical expenses due to disease brought my unhealthy body.
There are big advantages of being fit compared to being fat. Being fit, you are almost free from disease.
Eat Healthy Foods
As many folks getting health conscious they realize to eat only healthy foods. Though healthy foods are expensive, many people opt to buy it.
Eating healthy foods are one the New Year Resolution for teenager. Healthy body cannot be achieved with regular exercise but by eating healthy foods and good diet.
Top New Year’s Resolution Ideas
Get a new Job
Many people find that New Year is the right time to look for new job. There are a lot of reasons why every person want to move to new organization. Other folks want to get a new job with a higher compensation.
If you desire to have a balance life or quality life, may be a new job can offer you.
As the year start many companies are hiring for the new projects or new division.
Earn higher income
It is common to many people to want more and get more. Middle class families are striving financially because of materialism or consumerism. For them, the answer for financial struggle is to earn more.
There are lots of ways to earn more income. Even at your present job you can earn higher income. Try to ask salary increase, bonus or allowances.
Get higher education and learn something new
It is evident that most of the people desire to learn new skills and lessons that can improve their life. New skills and education can change your life.
This is popular new year resolution for students. In fact, earning a higher education will make you marketable or you can demand a higher position and salary.
Learning mobile application can give you good income. Many young adult earn huge money through this path.
Many smokers nowadays become health conscious. They know the effects of smoking in their body. And it is the most common New Year’s resolution among smokers to quit smoking.
There are a lot of tips how to quit smoking you can find in the internet.
This is the top resolution of all people around the globe. People want to lose weight in order to get shape or to be healthy.
It is true that losing weight can reduce a person the risk of getting disease.
New Year Goals Ideas
Achieving your New Year’s goal is within your reach. It matters on how committed you are and how you plan to achieve it.
Regularly monitor your progress and status to track your accomplishment.
The most important is you enjoy and have a lot of fun while you are working to attain your most priority resolutions.
Wishing you a Joyful Yuletide Seasons and Blessed New Year!
Christmas money saving tips is important to consider in celebrating holidays. It is practical not to waste too much money on buying and spending things that are costly. What matters most is you celebrate the true meaning of Christmas.
The excellence of a gift lies in its appropriateness rather than in its value. – Charles Dudley Warner
Christmas is the time to share and cherish the goodwill.
The most important meaning of celebrating the yuletide season is to give love and sharing blessings to our love ones and other people around us. Giving gifts is not necessarily the most expensive one but as long as it is meaningful to the receiver.
Practical Ways of Celebrating Christmas
8 Best Christmas Money Saving Tips
Reuse old Christmas decors
It is practical to reuse your old Christmas decors. We bought our Christmas tree three years back and still in good condition. After the yuletide season, you can keep immediately your Christmas balls, lights, lanterns and others so that you can use it again in the next Christmas.
Every year, the price and cost of Christmas decors are keep increasing. Avoid over decorating your house with expensive decors. The simpler the design, the better.
Prepare a Christmas Plan and Budget
It is a good idea to have a plan how you will celebrate your yuletide season. Make a budget how much you spend for the gifts, foods, shopping and house decoration. Stick to your budget and plan.
Christmas is not the time of overspending but the time of giving. You should give something from the heart. It is not important how much is the price tag of your gifts but the essence and spirit of celebrating Christmas.
Real Spirit of Christmas
Use Your Credit Card Rewards
It is now time to redeem your credit card points or rewards. This is one of the practical Christmas money saving ideas. You can use your rewards for shopping and buying gifts.
I will use my credit card rewards for this year to purchase clothes for myself.
Avoid Spending too much on food
Another ways to save money at Christmas is to void buying too much food. Most foods are perishable and it is not good idea to stock it in the fridge.
Plan what menu you will prepare during Christmas or New Year. Two or three menus are enough to fill up your stomach.
Give Personalized Christmas Cards instead of Gifts
If you have a skill to draw, you can create your own version of Christmas cards. It is more practical to make personalized Christmas greeting cards rather than to buy branded one.
Again the practical way of celebrating Christmas is not to spend. The most important is your pocket is full and happy. Show your love and care to your love ones.
Remember that there is a personal touch on your own cards. Many people now will appreciate your arts or creative design.
Look for Discounted Price
Always look for discounted price when buying foods, Christmas gifts and decors. Sometimes bulk items are cheaper than buying one piece.
Online shopping can give you lower price and at the same time you can avoid traffic and hassle. In fact, this is one of my favourite Christmas shopping saving tips.
The items will be delivered in your front door without wasting your precious time and money for fuel.
Christmas Shopping Saving Tips
Avoid using Credit Cards for Christmas Shopping
To control your overspending habits or temptation of spending more, it is recommended to leave your credit cards at home.
It is proven that using cash to buy can save money during Christmas shopping. There is pain or uncomfortable psychological reaction if you handover your cash to the cashier rather than credit cards.
You can use your card only to redeem the points or rewards.
Shop Early as Possible
Shopping ahead of holiday seasons give you ample choices to buy non-seasons gifts at lower price. The price of wine and chocolates are cheaper before December.
Last minute spending means you are shopping with time constraint. You cannot select quality items.
You cannot grow your wealth or money if you will not start saving first. Don’t you know that Mark Zuckerberg, one of the youngest billionaires and co-founders of Facebook, is great saver?
During their weeding, the reception was held in their backyard in Palo Alto, California rather than in a fancy five star hotel. During their honeymoon in Italy many people saw them eating in McDonalds. This guy is still wearing ordinary t-shirt to work every day.
I understand why he practices saving habits. Saving money is important to him to grow his wealth more and fast. He use extra money into other businesses, investments and acquisition.
Saving Money for future vacation destination
5 Importance of Saving Money for Future
“Save a part of your income and begin now, for the man with a surplus controls circumstances and the man without a surplus is controlled by circumstances.” – Henry Buckley
With your savings you can immediately start investing. However if you are overspending your income, there is no money left for investment.
Carlos Slim Helu the world’s second richest man is very keen of saving money at young age. It became his habit to save money out of his allowance. Every week he was reviewing with his father his saving development.
With his saving money, he started buying stocks of Banco Nacional de Mexico at the age of 12 years old.
“All days are not same. Save for a rainy day. When you don’t work, savings will work for you.” - M.K. Soni
Saving money for the future gives you protection for unexpected circumstances. You don’t know what will happen to you next days or weeks. If you will lose your job still you can survive while looking for a job because you have your savings.
benefits of saving money
You will not stress out if there is an emergency because you have money to spend of.
You can also pay down your debts from friends, family and even other lenders. The bigger you have saved the earlier you can achieve debt free life.
Saving money offers a worry free life.
People who are fond of saving money early for future can retire early. These are the people who are thinking about their future, dream life after 10 years or 20 years.
Saving for Retirement funds
They sacrifice not to spend things that are expensive. They are particular on preparing themselves to quit the stressful life of working with someone. They are putting savings to their retirement funds.
If you want to retire early, you have to start saving early. It is the power of compounding interest will work hard in your favour and to your savings.
Improve Financial Being
Having a saving habit will improve your life. It avoids you from overspending, debts and stress of thinking of your financial obligation and financial struggle.
Financial Education is the first investment a man should have. Gaining adequate financial knowledge can be useful in creating wealth, making money and even quitting a job.
Personal education about money and wealth is the key to unlock the door of financial success. Without knowledge about finances, a person cannot create financial planning for his future. A person cannot improve or change his life without education.
It was on the first quarter of 2005, I visited one of the book stores in Dubai. I was intrigued by the book entitled “Rich Dad Poor Dad“. I read few pages and I love the contents.
Everyday is vacation day if you have financial education
Then, I decided to buy it and bring it to my room. I read the whole book and the rest is history.
This blows my mind. It changes my life with the way I think and spend my money.
That was the start of my awareness and learning process about money and wealth. I was awaken by the truth of finances and why rich people get richer.