The Art of saying NO !

Do You now how to say No ?

I find saying No is one difficult thing to do !
Why is it so hard to be nice to yourself ?

I had an E-mail from one of my dear friends, who had turned down a friends request to become her friend on face book. My friend needed to turn the request down, not because she did not like the person who wanted to be her friend, but what feelings that person brought out in my friend. gosch this is even difficult to explain..can you imagine living it ?

The point is, my friend was strong enough to look after Her self by saying No in a nice way.
This way she took care of her own well being and did not fall for what most people would have done, gone with flow, been nice to the other person , or to please that person hurt herself.
How many of us would have said "Ok, sure you can be my friend", been polite and done the "right thing" even if the right thing was wrong for us. I am so proud of my friend for actually standing up for herself. So easy to say but so hard to do.
I salute all of you who dare to be nice to yourself !!
Take care of yourself, love yourself first and make every one in your life happy, even if it means not complying with their wishes.

LIVING TOGETHER

Hi,
I was thinking about all us women out there going trough changes in life, and many of us end up on our own, by default. I was living with a young student and he moved out after 3 years. I was very lonely as he had become my "adopted"son. I arranged his wedding, and I was a proud" "mum" to help him find his job. When he moved there was a big gap, and you can't just fill it with anyone or anything.
So happened my dear friend Louise got a new job in the City and was living out in Narrabeen, ca 1.30 hours North of Sydney. She spent 4 hours a day in traffic and came home to her empty home, as her two girls had flown the nest. I could not find a good "roomie" so I asked Louis eif she wanted to move in with me, as I lived 15 minutes from the City.
She came the next day !
We lived in Rose Bay for about 9 months and felt we needed a bathroom each. We went house hunting for 3 months and saw what I think EVERYTHING !
We finally found a great place with 3 bedroom, two bathrooms and two car garage! They also threw in a swimming pool and two terraces with water view... We absolutely love living together! We would never have been able to afford the standard and the food with out sharing it with some one.
You should not be afraid to try it if you find yourself lonely. It is great for your soul.

Missing In Action

Some times life just takes over and time runs away from you!
Have you ever wondered what happened to time?
I do all the time. I have been at my " what I thought,temporary" work for over a year!
I do not have have time to waste on things like, but what do you do when you do not have time ??
Every day is so important, and still I have wasted so much time.
Does any one have any idea how to stop this ?
I will try to find some answers and tips to find more time, as I could really use it.

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10 Ways to Save Money Now

Easy and painless ways to save money every day.

1. Trade Starbucks for, well, more bucks. If you’ve already spent $6 on a beverage alone and it’s not even lunchtime, you’ve got a bad breakfast habit. If expensive coffee drinks are draining your funds yet you can’t give up the caffeine, brew your own or give the old deli coffee a try. At less than $1, you’ll be able to save up to $25 a week and a whopping $1,300 a year!

   "Reigning in mindless spending -- and wearing what you already have -- can save you hundreds, if not thousands, a year."

2. Don’t get taken to the cleaners. If you’ve ever been to the dry cleaners, you’ve no doubt scratched your head at the diabolic pricing structures. How can it really cost that much? Spare yourself the bitterness and reevaluate your dry-cleaning needs. Try to cut your bill in half by laundering some items at home.
3. Brown-bag it. If you eat lunch out five times a week and spend about $5 a clip, you’re looking at about $1,300 a year in sandwiches, soups, and other fast foods. But bringing your lunch doesn’t have to suck. If you stock up on readymade items like soups, burritos, and frozen meals, you can save up to $2 to $3 a day. The only thing you need to do is remember to bring it with you!
4. Dine in rather than out. Craving that Indian spot you love to hit on Friday nights? Try making that chicken tikka masala at home. By digging up your favorite recipes online and then heading to the store for all of the ingredients, you’ll save money and have leftovers for the next day. Plus, you’ll get to congratulate yourself on your amazing samosas and pakoras!
5. Ditch the brand names. We’re not just talking about Coach and Polo; we’re talking about Panadol, Hellmann’s, and Charmin too. Whenever possible, choose the generic store brand over your favorite label. Most of the time, the formulation is exactly the same; you’re just paying for the packaging. A dollar or two here and there adds up!
6. Give the horse a rest. If you’ve been called a “shoe horse” or a “clothes horse,” this message is for you. If you’re known for buying clothes, makeup, pillows, or home decor in excess, it’s time to cut back. Reigning in mindless spending -- and wearing what you already have -- can save you hundreds, if not thousands, a year.
7. Jump on the wagon. Alcohol can be a diet-wrecker and a budget-buster. When you’re drunk, you think nothing of buying a round of Grey Goose shots for your nearest and dearest friends (and the awesome dudes you met 10 minutes ago). Later, you go home and wash the booze down with eight slices of pizza and a side of wings. When you control your drinking, you’ll have more money in your pocket and less flab around your waist.
8. Carpool. A year or two ago, we would’ve laughed this idea off. We’re all down with saving money, but carpooling? Doesn’t sound very easy! Fast-forward to 2008 with gas prices climbing higher and higher; suddenly, saving money is no laughing matter. By splitting the drive and cost of gas with just one other person, you can reduce commuting costs by half -- add another person and save more!
9. Watch at home. With the average price of a movie ticket at almost $7 per person (and even more in some areas), a night out at the movies is no longer a cheap date. Add two kids to the mix and it’s bordering on “special occasion” status. Why invest your hard-earned money in what could be a Hollywood flop? Instead, consider blockbuster weekly movies. If you hate the movie, you’ve only spent a dollar or two and you can take it right back to where it came from.
10. Indulge yourself at home. If manis and pedis have become weekly must-haves, it’s time to cut back. Extend the life of your mani/pedis by repolishing rather than running back to the spa for every chip or smudge. By investing in the tools of the beauty trade (remover, polish, and a manicure set), you can save a good chunk of change a month. Now that’s beautiful.
11. Put the money in a jar every time you have saved on something, do this for a month and then open a super fund and keep on putting the pennies in every time you save. Over the years on a 5% interest... Wow, it does become a lot of money !!!
    

What are some of your favorite cost-cutting tips? Share yours below.