Author: David Beairsto
Becoming Healthy, Wealthy and Wise
Change is essential for anyone wanting to make a difference in this world. Knowing how to prosper, like knowing any process, starts by embracing change as a way of lfie.
Moving from one fixed point to a desired conclusion requires action. Action by definition is the opposite of being fixed or permanent. While our current state and our desired conclusion may be inactive reference points, the process of moving from the beginning to the end is fraught with activity.
You Can’t Win Unless You Finish The …

Being in debt has become quite normal in today’s world: people buy real estate and take a mortgage, a loan is taken in order to buy a car, a television or the newest Playstation is quickly bought with the credit card, and this month’s phone bill seemed to bit slightly higher than usual. Actually, debt does not have to be all that bad… if it planned and under control.

I wanted to write this short post as a reaction to a phenomenon I saw yesterday at a discount store: hundreds of people were running around in a discount store, which sold many items at extremely low prices. People were virtually falling over each other, just in order to get the cheapest item available. I got curious, and went in.

I tried following the same principle, and during a month I asked many different salespeopel whether he would bargain. I did receive a lot of “no’s”, but also a “yes” a couple of time. Even my favourite shop, where I buy shirts, gave me a 8 Euro discount on 2 shirts, provided I would buy two and not just one. Since I buy at least 10 shirts per year, that is a discount of 45 Euros per year. It might not seem much… but as they say, small amounts also count.

In the past I could have lived an easy-going month, with little financial activity, and by the end of the month I would notice 150 Dollars is missing from my budget, without really knowing what I spent it on. I could not track this amount anywhere.