Savings  your own way

If you feel overwhelmed about how to save money, you’re not alone. While some may think saving money is relatively straightforward, one in five Americans have nothing saved at all. Especially in 2020 during this pandemic year with COVID-19. I would imagine it’s harder for many to start savings now.

Many might ask “how do I start that saving thing? The answers to that question is always complicated. The first thing to saving is coming up with an objective as to why you want to start saving for. Once you have that goal set in place then you have to start working on reaching your goal.

As I tell people it’s better to pay off debt as they carry higher interest than what your savings will bring. You can also set up a plan on how you going to do this. The first thing I did was giving myself 5 years to achieve the payment on my school loans. And try not to carry credit cards balance to the next month.

Trust me everybody living paycheck to paycheck, things are pretty tight you don’t see how that savings thing going to happen. Relax yourself a little, human were meant to be challenge. Tell yourself you dare it to do what you want to do. Like challenge yourself to put $25 away from every paycheck with the goal of doubling it next paycheck.

Now you probably already asking yourself how would that be possible. Because you always come short on the bills. Well it takes a little sacrifices. For instance if your phone bill is $69.00 a month switch to a different carrier they have good deals.
Talk to other people find out what service they are using and how much it cost them.

Also cut back on all the streaming services, it’s nice to have options but at what cost? Look back a little when was the last time you use all these services for more than 45 minutes in a single week. Be mindful of how you spending your hard earnings.
If you burn $150 in electricity. Start managing the way you consume energy don’t leave the  lights on if their not needed. Open the shades let some sunlight in.

You like it cool well while you at work keep the AC at 77. Unplug telelphone chargers when their not in use. Try to open the fridge as less as possible. All those little things will contribute towards doubleling that $25 dollars saving, stay focus and carry on.

Remember my motto “is not to spend your working hours money in minutes”.

Money and Us

What defines us as a person? Most of us will have different answer to that question because we all come from different background of ducation level, surrounding, and way of life.

2020 has been one hell of year. 2020 is the year people find out what they are made of and what they can over come. 2020 has been a year of self discovery, trying new things and finding new hobbies. As the world continues its battle to contain the  spread of the coronavirus pandemic, we have find it very hard to remember a time before COVID-19 and social distancing wasn’t top of mind.

The lives of many people around the globe has come to a complete screeching halt earlier this year, with the virus forcing most to stay at home, order necessities online and avoid physical interaction to help further prevent its spread.
We are all searching for a little bit of sunshine or a rainbow at the end of this. Right now happiness, joy, laughter and the peace of mind is all we are searching for these days.

There are time of sorrow and moment of darkness that we have no power over. But to get through those situations we need something to aim for. It could be a hobby an academic achievement or something else. We ofen find ourselves searching for this things all in the wrong places.

According to the Web in Google search Happiness is a state, not a trait; in other words, it isn’t a long-lasting, permanent feature or personality trait, but a more fleeting, changeable state. Therefore, it is safe to say money doesn’t buy happiness, while we often spend our lifetime chasing it, even taking chances sometimes that involves high risk even death.

For it we spend more time with coworkers than our love ones. We trade 40 hours a week if not more, in return to tax taken off, social security and medicaid all while getting little back. In action the importance we give money have a lot of similarities with blood. It enable leisure, pleasure and it’s a way of life.

The real thing is money don’t buy happiness but it facilitate it. I’ve never seen someone crying on a speed boat or heading to Dubai in a private jet, while they might not be happy which one will you rather be, the one above or the one punching the clock?
Like the song says “we are not happy where we are. There is greener grass in the neighbors yard a bigger house and a faster car.” Human nature we were made for this and will spend our lifetime chansing it one way or another. Weather it’s through hard work or hardly working, we gotta make a living and regardless of our income we always want the best, specially what we can’t afford.

The Hardship

How to navigate through difficult financial situation?
A popular current text in the King James Version shows 1 Timothy 6:10 to be: For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.

Money might be the root of all evil but it sure makes the world go round. For us every day people working 9 to 5 to make ends meet, money is the reason everything, every night you set up your alarm just to make it to work on time.

You do that so your can check your account bi-weekly on Fridays to make sure every cents is accounted for. People with money will have you feeling like money is not everything, when in fact they don’t understand how to go without. Hypocrite they are.

Most people are looking for a good paying job with stability. They are even opening small businesses. Average people are looking all over just to bring extra income. They are looking for ways to make a living while still having time for their families. We are all have expenses, while most of us go above our means but someway somehow we are making it.


The paycheck to paycheck lifestyle have nothing to do with how much you are making. It’s all about how you are spending you paycheck.

We all love nice things and we want to show everyone that we are doing well by buying expenses items we can barely afford. If you are bringing home about $3000 a month, which most average Americans does, for most of us 85 percent of that goes towards mortgage/rent and utilities. With 85 percent of your paycheck gone toward bills that doesn’t leave you much wiggle room for anything else untill that next paycheck. Thats that paycheck to paycheck lifestyle.


I’m sure we can come up with multiple different ways to change your lifestyle of living paycheck to paycheck. One way to get you out of this uncomfortable situation is to start by decreasing your expenses.

Start by eliminating anything that is not essential to your well-being or your families well-being. You might find yourselves stating that everything is essential. Just imagine how much you can save if you make your own lunches or even skipping a few Starbucks stops will make a big impact on your savings.

Baby steps. Do whatever you can, not all at once but gradually to decrease the amount that goes towards your entertainment and your personal lifestyle, you can do all that while making changes to your finances and saving money without even knowing it.


You work really hard to make Whatever you are making take good care of it and don’t let anyone else enjoy it more than you. Remember my motto

“is not to spend your working hours money in minutes”.


Be careful of conn artist. Be aware of people telling you to send money. The only places you should spend money to make money is SCHOOL.