#3. Five Tips on How to Teach Your Kids to Save Money by Titus Maduwa

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area. 

You should be able to teach your kids how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old. 

Here are some tips on how you can teach your children how to save money:

1. Your children should be educated on the meaning of money. Once your children have learned how to count, that is the perfect time for you to teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.

2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.

3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy a new pair of shoes or the toys they want once they are able to save.

4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes, or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.

5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.

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# 1 International Author Titus Maduwa

# 2. Self-Discipline And Saving Money by Titus Maduwa

A great way to save money is to be aware of the fact that one has the power to define the state of his finances specifically through a conscious effort of disciplining the way one spends and controlling one's expenditures.

Self-discipline will most definitely be the key to reducing one's debts, therefore, increasing the possibility of growing one's savings.  And in the long run, improve one's standard of living.

According to money management book author Titus Maduwa, "Undisciplined money, usually spells undisciplined person".  Therefore, if one notices how his hard-earned money seems to slip away so darned easy, then it is about time that he rethinks his ways and tries to discipline his unpleasant spending habits.

One of the essential keys to successful money management, specifically saving money is to possess a proper attitude.  Self-discipline is at the topmost of this proper attitude list, of course.

Only with self-discipline that people recognize that they do have the freedom and power to do the right thing over doing as their impulses dictate.

Sounds complicated?  Well, not really.  Knowing fully the fantastic rewards of disciplined money in a disciplined person's hands should be motivation enough for one to do all that is humanly possible to achieve that elusive financial stability everyone hopes for.

Here are some helpful money-saving tips.

1.  Realize that the most convenient method of building one's wealth is by saving money.  Money is the only sensible material to save.

2.  Focus expenditures on the things one needs.  Live day-by-day knowing that you have enough.  

3.  Avoid buying on impulse. Take your time when buying, especially the expensive items.  If you really need it, it would most definitely not slip your mind.  Otherwise, if you go along forgetting all about it, then it isn't really worth the money you have to spend on it at all.

4.  Credit card debts hold the number one slot as the cause for financial drains these days.  Control your spending by using your credit cards less.  Or for unavoidable circumstances when you really have to use the credit card, consider using the ones that charge less interest.  Then dump the high-interest ones for good.

No matter how you look at it, saving money is so easy to do.  A little bit of imagination, some creativity, and a lot of self-discipline will take you a long way in keeping hold of your hard-earned money.


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# 1 International Author Titus Maduwa

#1. Five Great Ideas to Save Money by Titus Maduwa

Want to save money but don’t know how?  Feel like depriving yourself when it comes to saving money?  Don’t be disheartened.  Try these five money-saving ideas, without breaking up a sweat!

1. Reduce or eliminate magazines.  If you are a typical American family, your mailbox gets its regular fill of magazines: business, sports, home and garden magazines.  Can you imagine how much each of these subscriptions cost?  Annually, it is an average of about $20 per magazine.  If your family is subscribed to 5 different magazines, that’s already $100 savings per year!  If you still need the information from such mags, try to check out their websites and you’ll be surprised at how much free information is available! 

2. Buy in bulk.  How can warehouse and discount clubs drastically lower their prices?  Because they buy and sell in bulk.  And so should you! Consumables that are non-perishable can be purchased 10-15% cheaper when bought in bulk.  Be sure to stock up only on fast-moving items such as kitchen towels, cleaners, canned goods, etc., to avoid wasting money on rancid food.

3. Eat at home.  Eating out has become an American lifestyle.  What used to be an activity to celebrate special occasions has become part of the daily, fast-paced life.  But did you know that eating out could chomp as much as 40% of your budget for food?  That’s as much as $40 weekly, saved just by eating in!  

4. Plan your meals.  Eating out 4X a week need not be your solution to a dynamic lifestyle.  Menu planning is! Take time on weekends to plan for the following week’s meals.  Every night, before you hit the sack, take out the ingredients for the meals of the next day from the freezer, and store them in the refrigerator.  By the time you get home from work, everything is thawed and ready to be cooked.  And because eating out is part of the American way of life, you would have saved enough money to spend on dining out on special occasions!

5.Homemade skincare.  Is your dermatologist eating up your budget? Don’t you wish you can be beautiful and save money at the same time? The answer is yes, you can!  By using ingredients from your pantry, you can take care of your skin and still save a fortune.  Try the following:

- Honey and oatmeal can exfoliate dry skin.

- Ginger seeped in a bath softens your skin.

- Cucumber and milk soften tired skin.

Without drastically changing your lifestyle, you have started your path to saving money.  Secure your future by using these money-saving ideas, today! 

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   # 1 International Author Titus Maduwa

* Leadership Exposed: Things You Thought You Knew About Leadership By Titus Maduwa

Much has been written about leadership: rules, pointers, styles, and biographies of inspiring leaders throughout world history. But there are certain leadership ideas that we ourselves fail to recognize and realize in the course of reading books. Here is a short list of things you thought you knew about leadership. 

1. Leaders come in different flavors.

There are different types of leaders and you will probably encounter more than one type in your lifetime. Formal leaders are those we elect into positions or offices such as the senators, congressmen, and presidents of the local clubs. Informal leaders or those we look up to by virtue of their wisdom and experience such as in the case of the elders of a tribe, or our grandparents; or by virtue of their expertise and contribution on a given field such as Albert Einstein in the field of Theoretical Physics and Leonardo da Vinci in the field of the Arts. Both formal and informal leaders practice a combination of leadership styles.

· Lewin’s three basic leadership styles – authoritative, participative, and delegative

· Likert’s four leadership styles – exploitive authoritative, benevolent authoritative, consultative, and participative

· Goleman’s six emotional leadership styles - visionary, coaching, affiliative, democratic, pacesetting, and commanding.   

2. Leadership is a process of becoming.

Although certain people seem to be born with innate leadership qualities, without the right environment and exposure, they may fail to develop their full potential. So like learning how to ride a bicycle, you can also learn how to become a leader and hone your leadership abilities. Knowledge on leadership theories and skills may be formally gained by enrolling in leadership seminars, workshops, and conferences. Daily interactions with people provide the opportunity to observe and practice leadership theories. Together, formal and informal learning will help you gain leadership attitudes, gain leadership insights, and thus furthering the cycle of learning. You do not become a leader in one day and just stop. Life-long learning is important in becoming a good leader for each day brings new experiences that put your knowledge, skills, and attitude to a test. 

3. Leadership starts with you.

The best way to develop leadership qualities is to apply it to your own life. As an adage goes “action speaks louder than words.” Leaders are always in the limelight. Keep in mind that your credibility as a leader depends much on your actions: your interaction with your family, friends, and co-workers; your way of managing your personal and organizational responsibilities; and even the way you talk with the newspaper vendor across the street. Repeated actions become habits. Habits in turn form a person’s character. Steven Covey’s book entitled 7 Habits of Highly Effective People provides good insights on how you can achieve personal leadership. 

4. Leadership is shared.

Leadership is not the sole responsibility of one person, but rather a shared responsibility among members of an emerging team. A leader belongs to a group. Each member has responsibilities to fulfill. Formal leadership positions are merely added responsibilities aside from their responsibilities as members of the team. Effective leadership requires members to do their share of work. Starting as a mere group of individuals, members and leaders work towards the formation of an effective team. In this light, social interaction plays a major role in leadership. To learn how to work together requires a great deal of trust between and among leaders and members of an emerging team. Trust is built upon actions and not merely on words. When mutual respect exists, trust is fostered and confidence is built. 

5. Leadership styles depend on the situation.

How come dictatorship works for Singapore but not in the United States of America? Aside from culture, beliefs, value system, and form of government, the current situation of a nation also affects the leadership styles used by its formal leaders. There is no rule that only one style can be used. Most of the time, leaders employ a combination of leadership styles depending on the situation. In emergency situations such as periods of war and calamity, decision-making is a matter of life and death. Thus, a nation’s leader cannot afford to consult with all departments to arrive at crucial decisions. The case is of course different in times of peace and order---different sectors and other branches of government can freely interact and participate in governance. Another case in point is in leading organizations. When the staffs are highly motivated and competent, a combination of high delegative and moderate participative styles of leadership is most appropriate. But if the staffs have low competence and low commitment, a combination of high coaching, high supporting, and high directing behavior from organizational leaders is required.

Now that you are reminded of these things, keep in mind that there are always ideas that we think we already know; concepts we take for granted, but are actually the most useful insights on leadership. 

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# 1 International Author Titus Maduwa

* The Key to a Better Life By Titus Maduwa

 

Time management is basically about being focused. The Pareto Principle also is known as the '80:20 Rule' states that 80% of efforts that are not time managed or unfocused generates only 20% of the desired output. However,  80% of the desired output can be generated using only 20% of a well time managed effort. Although the ratio '80:20' is only arbitrary, it is used to put emphasis on how much is lost or how much can be gained with time management. 

Some people view time management as a list of rules that involves scheduling appointments, goal settings, thorough planning, creating things to-do lists, and prioritizing. These are the core basics of time management that should be understood to develop efficient personal time management skills. These basic skills can be fine-tuned further to include the finer points of each skill that can give you that extra reserve to make the results you desire.

But there is more skills involved in time management than the core basics. Skills such as decision making, inherent abilities such as emotional intelligence and critical thinking are also essential to your personal growth.

Personal time management involves everything you do. No matter how big and no matter how small, everything counts. Each new knowledge you acquire, each new advice you consider, each new skill you develop should be taken into consideration. 

Having a balanced life-style should be the key result in having personal time management. This is the main aspect that many practitioners of personal time management fail to grasp. 

Time management is about getting results, not about being busy.

The six areas that personal time management seeks to improve in anyone's life are physical, intellectual, social, career, emotional, and spiritual.

The physical aspect involves having a healthy body, less stress, and fatigue.

The intellectual aspect involves learning and other mental growth activities.

The social aspect involves developing personal or intimate relations and being an active contributor to society.

The career aspect involves school and work.

The emotional aspect involves appropriate feelings and desires and manifesting them. 

The spiritual aspect involves a personal quest for meaning.

Thoroughly planning and having a set of things to-do list for each of the key areas may not be very practical, but determining which area in your life is not giving enough attention is part of time management. Each area creates the whole you, if you are ignoring one area then you are ignoring an important part of yourself.

Personal time management should not be so daunting a task. It is a very sensible and reasonable approach in solving problems big or small. 

A great way of learning time management and improving your personal life is to follow several basic activities.

One of them is to review your goals whether it be immediate or long-term goals often. 

A way to do this is to keep a list that is always accessible to you.

Always determine which task is necessary or not necessary in achieving your goals and which activities are helping you maintain a balanced lifestyle.

 

Each and every one of us has a peek time and a time when we slow down, these are our natural cycles. We should be able to tell when to do the difficult tasks when we are the sharpest.

Learning to say "No". You actually see this advice often. Heed it even if it involves saying the word to family or friends. 

Pat yourself at the back or just reward yourself in any manner for an effective time management result.

Try and get the cooperation from people around you who are actually benefiting from your efforts in time management.

Don't procrastinate. Attend to necessary things immediately. 

Have a positive attitude and set yourself up for success. But be realistic in your approach to achieving your goals.

Have a record or journal of all your activities. This will help you get things in their proper perspective.

These are the few steps you initially take in becoming a well-rounded individual.

As the say personal time management is the art and science of building a better life. 

From the moment you integrate into your lifetime management skills, you have opened several options that can provide a broad spectrum of solutions to your personal growth. It also creates more doors for opportunities to knock on.

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# 1 International Author Titus Maduwa

* Unlock Your Self Improvement Power By Titus Maduwa

When we look at a certain object, a painting for example – we won’t be able to appreciate what’s in it, what is painted, and what else goes with it if the painting is just an inch away from our face. But if we try to take it a little further, we’ll have a clearer vision of the whole artwork.

We reach a point in our life when we are ready for change and a whole bunch of information that will help us unlock our self-improvement power. Until then, something can be staring us right under our nose but we don’t see it.  The only time we think of unlocking our self-improvement power is when everything got worst. Take the frog principle for example – 

Try placing Frog A in a pot of boiling water. What happens? He twerps! He jumps off! Why? Because he is not able to tolerate a sudden change in his environment – the water’s temperature. Then try Frog B: place him in lukewarm water, then turn the gas stove on. Wait till the water reaches a certain boiling point. Frog B then thinks “Ooh… it’s a bit warm in here”.

People are like Frog B in general. Today, Anna thinks Carl hates her. Tomorrow, Patrick walks up to her and told her he hates her. Anna stays the same and doesn’t mind her what her friends say. The next day, she learned that Kim and John also abhor her. Anna doesn’t realize at once the importance and the need for self-improvement until the entire community hates her. 

We learn our lessons when we experience pain. We finally see the warning signs and signals when things get rough and tough. When do we realize that we need to change diets? When none of our jeans and shirts would fit us. When do we stop eating candies and chocolates? When all of our teeth have fallen off. When do we realize that we need to stop smoking? When our lungs have gone bad. When do we pray and ask for help? When we realize that we’re gonna die tomorrow.

The only time most of us ever learn about unlocking our self-improvement power is when the whole world is crashing and falling apart. We think and feel this way because it is not easy to change. But change becomes more painful when we ignore it.

The change will happen, like it or hate it. At one point or another, we are all going to experience different turning points in our life – and we are all going to eventually unlock our self-improvement power not because the world says so, not because our friends are nagging us, but because we realized its for our own good.

Happy people don’t just accept change, they embrace it. Now, you don’t have to feel a tremendous heat before realizing the need for self-improvement.  Unlocking your self-improvement power means unlocking yourself up in the cage of thought that “it's just the way I am”. It is such a poor excuse for people who fear and resist change. Most of us program our minds like computers. 

Jen repeatedly tells everyone that she doesn’t have the guts to be around groups of people. She heard her mom, her dad, her sister, her teacher tell the same things about her to other people. Over the years, that is what Jen believes. She believes it's her story. And what happens? Every time a great crowd would troop over their house, in school, and in the community – she tends to step back, shy away and lock herself up in a room. Jen didn’t only believe in her story, she lived it. 

Jen has to realize that she is not what she is in her story. Instead of having her story post around her face for everyone to remember, she has to have the spirit and show people “I am an important person and I should be treated accordingly!”

Self-improvement may not be everybody’s favorite word, but if we look at things from a different point of view, we might have greater chances of enjoying the whole process instead of counting the days until we are fully improved. Three sessions in a week at the gym would result in a healthier life, reading books instead of looking on un productive things will shape up a more profound knowledge, going out with friends and peers will help you take a step back from work and unwind.  And just when you are enjoying the whole process of unlocking your self-improvement power, you’ll realize that you’re beginning to take things lightly and become happy.

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# 1 International Author Titus Maduwa

* Unleash Your Creative Thinking By Titus Maduwa

People seem to have the misconception that only a select few are able to unleash a steady flow of creative genius. That is not true at all. The fact is, creativity is very much like a muscle that needs to be exercised in order to consistently give out great results. If you don't practice harnessing creative thinking, this skill will very much atrophy into inexistence. But keep working and this skill will soon come to you in a snap.

So how do you unleash your creative thinking? Well, the first thing is to become a human leech. No, we're not talking about just sucking the blood out of every living being available, we're saying that you should take in as much knowledge and learning you can find. Read everything available -- good and bad, and keep your mind open to the infinite possibilities of the universe. The more you know, the more you'll want to know, and the more your faculty of wonder will be exercised. Prepare to be amazed at little facts that add a bit of color to your life.  

Focus on a creative activity every day. Yes, it's an effort. Even doodling is a creative activity. Don't let anything hinder you. Mindlessness may be a creative activity, but for people who are just starting out to unleash a little bit of creative thinking in their lives, it is helpful and encouraging to have concrete evidence, that, "hey, what I'm doing is getting somewhere." So why don't you try it? Practice drawing for a couple of minutes each day. Bring out your old camera and start snapping photos like crazy. Keep a journal and make a point to write in it religiously. Another cool idea is to write by describing something with your five senses. Try to avoid vague adjectives like "marvelous," "amazing," and "delicious." Before you know it, you'll have built yourself a tiny portfolio, and you'll be amazed at the growth you've undertaken after amassing all those works of art. Who knows, you might actually take to liking those things you do every day. Pretty soon those things will become a part of you and you'll be addicted to these creative exercises.

Think out of the box -- or don't. Sometimes, constraints are actually a good thing. Limitations discipline you to work within your means. It enables you to be more resourceful. Creative freedom is great, but limitations enforce discipline.

Try something new every day and let your experiences broaden your perspective. Explore a new district in your neighborhood. Spend an afternoon in a museum to which you've never been before. Chat up someone on the bus. Open up to the people around you. As you thrust yourself out of your comfort zone more and more each day, your sense of adventure grows and so does your zest for life. Think about it. When was the last time you did something for the first time? If it's been a while, I tell you, you've been missing out on a whole lot of experiences that could've added to your growth, emotionally, mentally, physically, or spiritually. Why don't you try bungee jumping today? Not only will you learn, but you will also have plenty of stories to share, enabling you to practice your storytelling skills and making you the life of the party. 

Embrace insanity. No, not to the point of practically admitting yourself into the mental ward. As John Russell once said, "Sanity calms, but madness is more interesting." Exactly! Every creative thought was once deemed insanity by other "normal" people at one time or another. Luckily, that didn't stop the creative geniuses from standing by them. The thing is, sanity or being normal confines people to think... well, normally. Within limits. Creativity is essentially breaking through barriers. Yes, this includes the bizarre and the downright strange. I'm not saying that you yourself should develop a creative personality. That might go haywire. An example of a creative personality would be George Washington, who often rode into battle naked, or James Joyce, who wrote "Dubliners" with beetle juice for an intense fear of ink, or Albert Einstein, who thought his cat was a spy sent by his rival (or in thinking creatively in this case, the term could probably be "archnemesis.") It's important that your creativity doesn't get you detached from the real world completely. 

I hope this message has inspired you to start thinking beyond your "limits." If you follow these steps pretty soon you'll be living a life full of interesting adventures. Unleashing your creative thinking will bring about a new zest for living life. 

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# 1 International Author Titus Maduwa