#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

* "A Better You" Your 7 days program to self-improvement By Titus Maduwa

 I seem to lost count on how many times I've read and heard of celebrity marriages failing almost left and right. Not that I care (and personally I don't), it seems strange that we often see movie and TV stars as flawless people, living the fairy tale life of riches and glamour. I suppose we all have to stop sticking our heads in the clouds and face reality.

There are many ways to lose your sense of self-esteem despite of how trivial it could get. But whatever happens, we should all try not to lose our own sense of self.

So what does it take to be a cut above the rest? Here are some of the things you can think and improve on that should be enough for a week.

1. Know your purpose 

Are you wandering through life with little direction - hoping that you'll find happiness, health and prosperity? Identify your life purpose or mission statement and you will have your own unique compass that will lead you to your truth north every time.

This may seem tricky at first when you see yourself to be in a tight or even dead end. But there's always that little loophole to turn things around and you can make a big difference to yourself.

2. Know your values 

What do you value most? Make a list of your top 5 values. Some examples are security, freedom, family, spiritual development, learning. As you set your goals for 2005 - check your goals against your values. If the goal doesn't align with any of your top five values - you may want to reconsider it or revise it.

The number shouldn't discourage you, instead it should motivate you to do more than you can ever dreamed of.

3. Know your needs 

Unmet needs can keep you from living authentically. Take care of yourself. Do you have a need to be acknowledged, to be right, to be in control, to be loved? There are so many people who lived their lives without realizing their dreams and most of them end up being stressed or even depressed for that matter. List your top four needs and get them met before it's too late!

4. Know your passions 

You know who you are and what you truly enjoy in life. Obstacles like doubt and lack of enthusiasm will only hinder you, but will not derail your chance to become the person you ought to be. Express yourself and honor the people who has inspired you to become the very person you wanted to be.

5. Live from the inside out 

Increase your awareness of your inner wisdom by regularly reflecting in silence. Commune with nature. Breathe deeply to quiet your distracted mind. For most of us city slickers it's hard to even find the peace and quiet we want even in our own home. In my case I often just sit in a dimly lit room and play some classical music. There's sound, yes, but music does soothe the savage beast.

6. Honor your strengths 

What are your positive traits? What special talents do you have? List three - if you get stuck, ask those closest to you to help identify these. Are you imaginative, witty, good with your hands? Find ways to express your authentic self through your strengths. You can increase your self-confidence when you can share what you know to others.

7. Serve others 

When you live authentically, you may find that you develop an interconnected sense of being. When you are true to who you are, living your purpose and giving of your talents to the world around you, you give back in service what you came to share with others -your spirit - your essence. The rewards for sharing your gift with those close to you is indeed rewarding, much more if it were to be the eyes of a stranger who can appreciate what you have done to them.

Self-improvement is indeed one type of work that is worth it. It shouldn't always be within the confines of an office building, or maybe in the four corners of your own room. The difference lies within ourselves and how much we want to change for the better.

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# 1 International Author Titus Maduwa

* Your 5 minutes daily program to Stress management By Titus Maduwa

We all have this favorite expression when it comes to being stressed out, and I wouldn't bother naming all of them since it may also vary in different languages. But when it comes down to it, I think that it is how we work or even relax, for that matter that triggers stress. Ever been stressed even when you're well relaxed and bored? I know I have.

Since Error! Hyperlink reference not valid. is unavoidable in life, it is important to find ways to decrease and prevent stressful incidents and decrease negative reactions to stress. Here are some of the things that can be done by just remembering it, since life is basically a routine to follow like brushing your teeth or eating breakfast. You can do a few of them in a longer span of time, but as they say-- every minute counts.

Managing time

Time management skills can allow you more time with your family and friends and possibly increase your performance and productivity. This will help reduce your stress.

To improve your time management:

· Save time by focusing and concentrating, delegating, and scheduling time for yourself. 

· Keep a record of how you spend your time, including work, family, and leisure time. 

· Prioritize your time by rating tasks by importance and urgency. Redirect your time to those activities that are important and meaningful to you. 

· Manage your commitments by not over- or under-committing. Don't commit to what is not important to you. 

· Deal with procrastination by using a day planner, breaking large projects into smaller ones, and setting short-term deadlines. 

· Examine your beliefs to reduce conflict between what you believe and what your life is like. 

Build healthy coping strategies

It is important that you identify your coping strategies. One way to do this is by recording the stressful event, your reaction, and how you cope in a stress journal. With this information, you can work to change unhealthy coping strategies into healthy ones-those that help you focus on the positive and what you can change or control in your life.

Lifestyle

Some behaviors and lifestyle choices affect your stress level. They may not cause stress directly, but they can interfere with the ways your body seeks relief from stress. Try to:

· Balance personal, work, and family needs and obligations. 

· Have a sense of purpose in life. 

· Get enough sleep, since your body recovers from the stresses of the day while you are sleeping. 

· Eat a balanced diet for a nutritional defense against stress. 

· Get moderate exercise throughout the week. 

· Limit your consumption of alcohol. 

· Don't smoke. 

Social support

Social support is a major factor in how we experience stress. Social support is the positive support you receive from family, friends, and the community. It is the knowledge that you are cared for, loved, esteemed, and valued. More and more research indicates a strong relationship between social support and better mental and physical health.

Changing thinking

When an event triggers negative thoughts, you may experience fear, insecurity, anxiety, depression, rage, guilt, and a sense of worthlessness or powerlessness. These emotions trigger the body's stress, just as an actual threat does. Dealing with your negative thoughts and how you see things can help reduce stress.

· Thought-stopping helps you stop a negative thought to help eliminate stress. 

· Disproving irrational thoughts helps you to avoid exaggerating the negative thought, anticipating the worst, and interpreting an event incorrectly. 

· Problem solving helps you identify all aspects of a stressful event and find ways to deal with it. 

· Changing your communication style helps you communicate in a way that makes your views known without making others feel put down, hostile, or intimidated. This reduces the stress that comes from poor communication. Use the assertiveness ladder to improve your communication style. 

Even writers like me can get stressed even though we're just using our hands to do the talking, but having to sit for 7 or 8 hours is already stressful enough and have our own way to relieve stress. Whether you're the mail guy, the CEO, or probably the average working parent, stress is one unwanted visitor you would love to boot out of your homes, especially your life.

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# 1 International Author Titus Maduwa

#3. High-low Numbers: 3 Secrets on Saving Money on Clothes by Titus Maduwa

Are you craving for the newest designer clothes, a pretty tank top, and that pretty dress? All this fashion comes at a price — you choose.

Buying clothes these days is always a choice between the designer-made outfit or those cheap but quality items that you could pull together and express your personality in many different ways.

Most experts contend that clothes can definitely make or break a person. They say that your personality is usually reflected on how you dress up. But it does not necessarily mean that good fashion would absolutely mean expensive clothes.

Hence, you can still make a remarkable fashion statement without having to spend hundreds or even thousands of dollars just for your clothes.

Here is a list of some money-saving tips when buying clothes that would turn other people’s heads to you but would not definitely break your wallet.

1. Do the math

Choosing fashionable clothes can be really tricky, not unless you know how to do math! So before you buy three sets of clothes that would cost you hundreds of dollars, try to go for the budget-friendly dozen of items that you can even match alternatively.

The number of expensive items that your money can buy is definitely doubled or even tripled when you buy cheaper ones but can still make a good fashion statement.

2. Know what you want

Saving money is definitely based on knowing what you want whenever you spend your money on something. If you know what you want, this means that you have researched the item, have compared them with the other items, you will be able to come up with the lowest price of the product. 

3. Drive your way to a “thrift store”

Usually, these “thrift stores” are non-profit organizations. This means that they are usually operating for charity. They give their proceeds to some charitable institutions. 

Hence, the prices of the clothes being sold in the thrift store are absolutely cheaper than the ones being sold in the department store. So that would mean many savings for you.

Best of all, you do not only get to save more money, but you also get to do some charity work as well.

The bottom line here is that when shopping for clothes, do not shop for the brand name, shop for the quality.

Nowadays, you just have to be practical. Better spend your money on more important things than those designer clothes.

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#1 International Author Titus Maduwa

Top 10 Food and Nutrition Affirmations- by Titus Maduwa

When you have "convenience" food bombarding you from every direction, it can be difficult to choose options that give your body the nourishment it needs.

However, if you have daily reminders and effective tools at your disposal, you just may find that eating the right foods and feeding your body the best fuels becomes a lot easier.

Of course, there will always be temptation, but when you equip yourself with anti-temptation tools, you will be able to quickly re-focus your mind on your greater goal of getting healthy!


Using Affirmations to Make the Healthy Food and Nutrition Choices

When everyone around you at the office is indulging in burgers, fries, and sugary drinks, it's awfully tempting to join in, isn't it?

But what if you could stop that temptation in its tracks and actually choose to make a healthy choice? You don't need me to tell you that fatty and sugary choices are not the kinds of food that your body needs - you need to tell yourself!

It can be hard in moments of temptation to make the right choice, but with the help of positive affirmations, you can re-train your brain to replace the desire for junk food with healthy choices.

Affirmations can help you stick to your diet, say no to temptation, and eat nourishing and satisfying foods. How? By replacing the negative spiral of thoughts in your mind with powerful, positive ones.

But first you have to believe that it is possible to gain control over your thirsts, desires, and cravings. The first step in making a lasting change in your life is to make the commitment to success. Are you committed? Do you believe that you can overcome your cravings?

Once you've set your commitment in stone, you're ready to learn the top 10 affirmations to get you through moments of weakness.

Top 10 Food and Nutrition Affirmations

Before reading the list below, you should know that affirmations are most successful when you internalize the saying and repeat it frequently. Whether you're having a good or bad day, you need to be constantly repeating these positive statements in your mind. Temptation will strike when you least expect it, so it's better to be prepared!

1. I can neutralize bad habits with good food, exercise, and healthy living.

2. I am proud to reach out to my support network instead of leaning on food for comfort.

3. I am losing weight for me because I love me.

4. I set aside time just for me.

5. My good health and productivity are the rewards for the nourishing foods I eat.

6. Weight gain happens over time, so my weight loss equally requires time, patience, and lifestyle changes.

7. I use self-care, not self-control.

8. The more I take care of myself, the better I feel.

9. I am firmly committed to staying active and healthy.

10. I deserve a healthy body and mind.

When you look at these food and nutrition affirmations, they may seem like ideals - behaviors and thoughts that you only wish you could have - but each time you reaffirm them by saying them aloud, you're slowly changing your mindset. Over time, these ideals will become a reality through your thoughts and actions.

But remember, you must first believe you can change. Once you make the commitment to your success, you will change your attitudes about food and you'll be thankful you did!



Author- Titus Maduwa