4 simple tips to save money

savings

We all want good things in life, but we weren’t all born with a silver spoon in our mouths. Somewhere down the line someone would have mentioned about savings and we must have rolled our eyes and thought we had plenty of time to make money. Well no matter if you’ve just starting to enter the work force or how great a career you might have, things are going to come up and you will need money.

At whatever stage of life you’re at, it’s never too late for some self-realisation and inculcating the habit of saving.

Here are 4 simple tips to get you started, but first of all Pay off your debts. You can’t start saving unless you are debt-free. Keep the credit cards for emergency situations only.

Pretend you make less money: Ever yearly bonus only increases our wants for something we really don’t need: A bigger TV, one more car, the latest phone. Keep the extra bonus aside by tying it to some short financial plan like a recurring deposit and you’ll be better off later on.

Stop impulse spending: In a bad mood or something caught your eye in the magazine? Don’t go to the mall. Hungry but need to buy groceries? Don’t go to the super market just yet. Most of the time, impulse buying only leaves us with regrets. Don’t we all have a piece of clothing lying at the back of our cupboard with the tag still on? The less you shop, the more money in your bank account.

Eat in: Why waste money eating out (not forgetting the exorbitant taxes) when there are lots of fresh, beautiful ingredients you can cook with. There are tons of simple recipes online, so turn on the music, grab yourself a nice drink, and cook away. Whatever money you think you would have spent eating outside, drop that exact amount in a jar. You might be surprised how much you would have been spending on eating out every month.

Live below your means: Most of us live above our means, esp. with the easy availability of credit cards. While this might be okay for a while, in the long run it will become a financial burden in the future. Keep your indulgences under control and seek the simple pleasures of life.

Hope this helps 🙂

 

Living the “hygge” life

Hygge

Before I start, let’s get the pronunciation of this Danish word out of the way- Hue-guh.

Alrighty, so what is this? Simply put, this concept is about the feeling of warmth and togetherness/wellbeing.

Joe Pickard partly describes ‘hygge’ as: “…the art of building sanctuary and community, of paying attention to what makes us feel alive. A feeling of belonging to the moment and celebrating the everyday. It’s in the small rituals that comfort us, make us feel at home.” 

Let’s face it, most of us live stressful lives and we yearn for that ½ hour of nothingness by mindlessly stretching on the couch in front of the TV sipping on warm tea/coffee or wine. But what do you do if you come back to bawling kids, a messy apartment, or an uninspirational space? It is time my friend to delve into the concept of hygge.

Here are some ways you can apply hygge to your everyday life:

  1. Create a hygge space in your home/apartment. Create a spot where you can relax by yourself with a book or share a hearty meal with family or close friends. Create an inviting/cozy spot or arrange your whole house with comfy furniture, fluffy cushions, warm tones, and mood lighting, and most importantly light a few candles (it’s very hygge).
  2. Start off with quiet mornings. Get up a bit early and take time to slowly wake yourself up by sitting in front of any open window or on your balcony with a warm cup of coffee. Either silently take in the fresh air and surroundings, light a nice scented candle and listen to gentle music, or listen to your favorite podcast.
  3. Invite family or friends over for a meal. Spending time with our loved ones is a sure way of uplifting our mood and creating a sense of togetherness. It needn’t be an elaborate or stressful affair. Share a few pizzas or a simple meal where your guests can help out too. Remember, it’s all about having fun in each other’s company.
  4. Catch up over coffee. Have a small coffee session at your home or at a coffee shop with your partner or a friend. With no distractions like a TV, a one-to-one chat over steaming coffee is a great way to reconnect in a relaxed atmosphere.
  5. Indulge in a treat. Food is really everyone’s happy pill. Tuck into a warm pie or a decadent chocolate cake once in a while.
  6. Connect with nature. Take a break from technology and go for a nice long walk. Rejuvenate your mind by enjoying the calmness and beauty of the landscape.
  7. Start a gratitude journal. Relax in your hygee nook and spend some quite time jotting down happy thoughts and things you’re grateful for.

 

BANANA WALNUT CAKE

I love banana bread and I’m sure a lot of you do too. Comprising simple ingredients, the banana walnut cake makes for a quick, stress-free, delicious recipe.

Ingredients: banana walnut cake

2 eggs

½ cup oil

½ cup sugar

2 bananas mashed

1 cup all purpose flour/maida

¼ tsp baking powder

¼ tsp baking soda

¼ tsp vanilla essence

Method:

» Sieve the flour alongwith baking powder and baking soda and set aside.

» Coat a 6” tin with a drizzle of oil. Sprinkle a little flour on top and shake the tin so that it forms a thin layer on top. Keep aside.

» Whisk the egg and sugar together.

» Add the oil and whisk again.

» Add the mashed bananas and vanilla essence and whisk thoroughly.

» Fold in the dry ingredients and mix well.

» Add walnuts into the mixture and pour it into the prepared tin.

» Preheat oven to 180˚C for 10 mins.

» Bake for 40 mins. 

Quick check: Insert a knife or toothpick to check if it’s cooked. If not, cook for an additional 2-3 mins.

» Once done, remove from the oven and let it cool for 5 mins.

» Run a knife along the edges, invert the tin on a plate, and give a gentle tap on the bottom to release the cake.

Enjoy your cake! I heard it tastes great with some fresh cream.

It’s never too late to rewrite your life

thinker

Hey, how’s your life looking right now?

Pretty cool or a total dumpster?

 

Alright, let’s think this through.

If someone were to write your obituary today,

Go around and ask your family and friends about the kind of person you are,

Would they gather nice things about you?

 

Would you be considered a compassionate person, a happy go-getter, a nurturer, an inspirer…

 

Not quite getting the answers you were hoping for?

Luckily it’s never too late to change

Put a little more thought and effort and start reworking on your relationships

Make your life count to others, not just yourself.

 

Is Jesus your buddy?

worship-mobile

If you had to spend an entire day with someone, a best friend would definitely be one of our choices.

If you were asked to describe your day, it’d probably include long hours of chit chat, laughter, a fun activity, and also just some quite time, like lazing on the couch doing nothing much.

If we compared our relationship with our best friend with that of our relationship with Jesus, would there be any difference?

Would you want to spend an entire day with God?

Would you have lots to talk about?  Not just asking, but sharing things that happen in our day.

Would you have fun in his presence? Praising Him, thanking Him, delighting in His abundant love.

Maybe it’s time to rethink for most of us. Let’s renew our relationship with God and get back to enjoying our time with Him.

Learn to smile through the clouds

stars

The world sure feels like crap doesn’t it when you’re sick, just got fired, lost a loved one, ended a friendship…

Yes, you have the right to mourn, mope, feel depressed, sad, angry, and a whole load of inexpressible feelings that no one might understand. Go through those feelings, accept them, whole-heartedly wallow in them, take comfort from your family and friends, and be dependable for a while but don’t choose to live in that misery every day, all day long and become a victim to your circumstances.

Live your life the way you want to. Make the decision to override your misery with positivity.

Choose to wake up with a smile

Choose to focus on a positive message/verse

Choose to see good in something that day

Choose to relax and laugh a little

Time heals everything they say, it does; but you can decide when that happens because you only heal when you decide to let it go. The circumstances are the same but you are different: more mature, more toughened. Get in touch with your inner strength and fight your battle with a positive approach one day at a time.

Now smile 🙂

 

Keep it together, keep it tight

blog

Who am I?

Me and much more

A sum of people; some inherited and some I chose

Someone’s child

An accomplishment I hope

A strong hand so that they don’t walk in old age alone

A sibling

A close one I hope

To share laughter and sorrow and mull over silly matter

A friend

A loyal one I hope

Keeping it honest, never giving in to rumors, or forgetting favors

A spouse

A loving one I hope

Being a steadfast anchor and keeping the vows unbroke

Stay responsible for people in your life

They’re all a blessing in disguise

Everyone’s life is on a timer

So keep it together, keep it tight