Archive for life tips

Life Tips – Saying NO increases your income

Posted in Knowledge, Life Tips with tags , , , on June 24, 2015 by Sirusdark

Here’s how to increase your income without working harder or asking for a raise: learn to say “NO“. That’s it!

Test chamber

I did that last month. I said no to all/most expenses and, according to my last credit card statement, represented approximately 500$ worth of savings… That’s friggin 6000$ a year!! Cool huh? Not so much. Imagine how stupid I feel now…

Dumb simple? Yep. Easy? Heck no! It’s very hard! ‘Cause as soon as you decide to say “NO” to those extra expenses, they’ll be in your face BIG TIME. You’ll be a spending opportunity magnet.

Of course, it’s impossible to have zero expenses (unless your parents still supports you). There’s always the unavoidables like rent/mortgage, bus pass/car gaz, cell phone, Internet, electricity, etc.

You get the point.

Ready?

I now challenge YOU to do it!

Simple! 30 days of saying “NO” to ALL extra expenses.

Managed to succeed (and survive)? Got re$ult$? Share YOUR success stories in the comments below!

Enjoy!

Sirus
sirusdark.ca

P.S.: Of course, I don’t always have the same monthly spending all year long. Can be less, can be more. So keep an eye out for my future post on running the numbers, which will explain the super crazy complex underlying mathematical algorithms required to calculate that. :D

 

Life Tips – Balancing your wallet

Posted in Knowledge, Life Tips, Methods with tags , , , , , , on May 30, 2015 by Sirusdark

Hello! Today I’d like to share with you one of my most useful life technique: wallet balancing.

You may also combine this tip with this great financial tip:

Never bring more cash than you can or wanna spend!

Show me the money

In today’s era of electronic transactions, cash may seem obsolete, but it’s not. This technique literally saved my arse the day countless times!

Here are some true stories on how this simple method saved the day:

  • Went for an onsite residential job: customer was suppose to pay with cheque, but instead, decided to pay cash. That wasn’t planned… Still, I was able to give the exact change on the spot.
  • Went to see a relative and by some unplanned circumstance, had to take the bus back home. Fortunately, I had the exact amount to pay the trip’s fare!
  • Went for a bite with a friend: AFTER eating, waitress gives us the addition and tells us the debit/credit card machine is out of order; cash only! You guessed it: I was able to pay. I was even able fill in the missing cash/change for my friend who didn’t have a balanced wallet. (Now does!)

How is when

The most important aspect of this wallet balancing technique, is to do it “daily“. What it really means is the second you use your cash, your wallet becomes unbalanced (I know… Rocket science). The “hard” part is balancing it the same day or the next morning before grabbing it for a new day.

My Settings

Safe (can give change for any bills up to 50$)
2×20$+2×10$+2×5$ (Total of 70$)

On budget
20$+10$+5$ (Total of 35$)

wallet_budget_001

Change (never, EVER changes)
2×2$, 2×1$, 6x 0.25$, 3x .10$, 2×0.05$ (Total of 7.90$ or 13.90$)

wallet_sparechange_001

Instead of keeping a total count of my spare change, I simply configure them in a specific layout: all that’s left to do is empty my wallet’s change pocket and match my original layout.

The above picture shows my basic pattern (left) and the extra pattern add-on (right), if needed.

Voilà! I hope you find this tip useful. Now, by all means, do adapt this technique YOUR specific needs!

Enjoy!

Sirus
sirusdark.ca