#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

* "Have One Week, Will Relax" Your 7 days program to Stress management By Titus Maduwa

They say there's more than one way to skin a cat. The same goes when you start tearing your hair out with all the frustration, grief, anxiety, and yes, stress. It's a state of mental conditioning that is like taking that bitter pill down your throat, causing you to lose your sense of self, and worse your sanity. Just thinking about it can drive anyone off the edge.

And they say that the proactive ones are already living off the edge.

As one stressed-out person to another, I know how it feels, and believe me there are many variants when it comes to stress. Coping with life, and carrying the problems that may or may not belong to you can scratch away the little joy and happiness that you can carry once you head out that door. You can't blame them for being like that; they have their own reasons, so much like we have our reasons to allow stress to weigh us down. They say that stress is all in the mind, well, what's bugging you anyway?

There are several ways to manage stress, and eventually remove it out of your life one of these days. So I'll try to divide it into a seven-day course for you and I promise it's not going to be too taxing on the body, as well as on the mind.

1. Acknowledge stress is good

Make stress your friend! Based on the body's natural "fight or flight" response, that burst of energy will enhance your performance at the right moment. I've yet to see a top sportsman totally relaxed before a big competition. Use stress wisely to push yourself that little bit harder when it counts most.

2. Avoid stress sneezers

Stressed people sneeze stress germs indiscriminately and before you know it, you are infected too!

Protect yourself by recognizing stress in others and limiting your contact with them. Or if you've got the inclination, play stress doctor and teach them how to better manage themselves.

3. Learn from the best

When people around are losing their head, who keeps calm? What are they doing differently? What is their attitude? What language do they use? Are they trained and experienced? 

Figure it out from afar or sit them down for a chat. Learn from the best stress managers and copy what they do.

4. Practice socially acceptable heavy breathing

This is something I've learned from a gym instructor: You can trick your body into relaxing by using heavy breathing. Breathe in slowly for a count of 7 then breathe out for a count of 11. Repeat the 7-11 breathing until your heart rate slows down, your sweaty palms dry off and things start to feel more normal.

5. Give stressy thoughts the red light

It is possible to tangle yourself up in a stress knot all by yourself. "If this happens, then that might happen and then we're all up the creek!" Most of these things never happen, so why waste all that energy worrying needlessly?

Give stress thought-trains the red light and stop them in their tracks. Okay so it might go wrong - how likely is that, and what can you do to prevent it?

6. Know your trigger points and hot spots

Presentations, interviews, meetings, giving difficult feedback, tight deadlines…. My heart rate is cranking up just writing these down!

Make your own list of stress trigger points or hot spots. Be specific. Is it only presentations to a certain audience that get you worked up? Does one project cause more stress than another? Did you drink too much coffee?

Knowing what causes you stress is powerful information, as you can take action to make it less stressful. Do you need to learn some new skills? Do you need extra resources? Do you need to switch to decaf?

7. Burn the candle at one end

Lack of sleep, poor diet and no exercise wreaks havoc on our body and mind. Kind of obvious, but worth mentioning as it's often ignored as a stress management technique. Listen to your mother and don't burn the candle at both ends!

So having stress can be a total drag, but that should not hinder us to find the inner peace of mind that we have wanted for a long time. In any case, one could always go to the Bahamas and bask under the summer sun.

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# 1 International Author Titus Maduwa

#2. Six Tips on How to Save Money on Transportation by Titus Maduwa

Prices go higher every year, especially the cost of gas. Transportation is one big factor that makes the household budget difficult to cover all your expenses. Here are some guidelines to help you save money from transportation:

1. To save money, you must always check on your vehicle regularly. A well-maintained vehicle can get you out of trouble with repair expenses. You can actually spend only $50 on maintaining your vehicle and save up to $800 on repair costs in a year. You can even save more if you do the maintenance yourself and not bring your car into an auto shop.

2. If you want to save more money, it is recommended not to buy a new car. The value of a car depreciates automatically when you drive it out of the showroom of the car dealer shop. You may buy a car that is used for at least one year. It will save you thousands of dollars to the actual worth of the car when it was new. The owner will then pay all the depreciated value of the car.  

3. Save money on buying used cars by comparing the prices of the car dealer and the actual price on the list of the used car dealer ads. To ensure the car that you buy is well conditioned, you may ask for the help of a mechanic to check if the car is good enough for its price. It is better to buy a used car from a person you know and trust. This will help you make sure that you have a good deal in acquiring a car. 

4. Try to compare gasoline rates. You may refuel your car with the gasoline station that offers the lowest price on gasoline. You can even save more by pumping gas yourself and use the lowest octane in your car’s manual. It is also recommended that you pay cash than credit cards that charge extra rates. Do not forget to check the gas cap if it is tightened to ensure no gas is spilled out. 

5. Always keep your engine tuned-up and have your tires inflated to their desired pressure to save you more money. A well-maintained engine consumes less gas. Keep your car’s trunk clean to save more fuel. Heavy loads in your vehicle can consume more fuel because of the excess weight it carries.

6. Try to limit the use of your car on your daily route. You may take the bus or the subway to save gasoline. You can also save time by ignoring the traffic that you encounter every day on the streets.  

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#1 International Author Titus Maduwa

Don't Die With Your Dreams Still Inside You

I write and talk a lot about dreams. Primarily because I know we serve an awesome and amazing God, who gave us dreams for an awesome and amazing purpose. We all have a dream to do something great, go somewhere incredible, achieve the unachievable, beat the unbeatable or meet the "unmeetable." Unfortunately, more often than not, most dreams remain unrealized; silenced by fear and doubt. What's needed is a renaissance to recapture the spirit and belief we once had as children. 

We need to remind ourselves in all that we desire to be, have and do... "I can, if I believe I can."
My aim is to inspire as many people as possible to passionately pursue and do their dreams. Revitalize your dreams. Start today. Don't just dream; dream BIG dreams! Put them in your heart, then put them on the wall, refrigerator, mirror ... wherever you'll see them often. Remind yourself you are more than worthy of everything your heart ever imagined. Believe, then diligently commit to a plan to achieve.

Resolve to live a life that ends the way you want it to; and don't you dare, I say don't you dare... die with your dreams still inside you.

Fran Briggs is the founder of The Fran Briggs Companies and is "a motivational speaker of the inspirational kind." She is the author of several articles, manuals and books including her latest, "Seeds for Success." This prominent voice of motivation speaks to audiences of children and adults of all ages and backgrounds with the aim of inspiring them to their respective levels of greatness. 

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