Do you have emergency cash?

Several financial planners would agree that one of theforemost and important steps that you should take toprotect your financial stability is to set aside fundsas emergency reserve.

The concept that you have the fund for emergency and unexpected events is enough to help you stay away from using your credit card and drown yourself in debt.

Everyone must stash a little extra cash in case ofemergencies. However, how much money should you keep?

Although the topic of exactly how much money is neededfor your emergency fund is open to debate, the minimumamount should be enough to cover your expenses fordaily living for at least three months. It is alsowiser to save for six months though most financialplanners agree on a full year worth of cash.

Your personal circumstances and what it takes toprovide you with a peace of mind are the elements tohelp you determine just how cautious you want to be.

If for instance, you have well-off family members who havealways been supportive and willing to help you in afinancial crisis, an emergency fund for three monthswill be sufficient.

On the other hand, if you had to reach for your credit card for help, you will end up paying a large amount in interest on the debt, you would be better off saving enough money for your expenses that would last for at least six months.

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Repair your credit

Negative remarks on your credit report can costserious money. You do not have to despair though,since it is never too late to become credit worthyagain.

However, always remember that credit repair donot happen overnight. It requires serious dedicationand perseverance to start in a clean slate once more.

How to Get Started

You should know who your credit bureau is andwhat they are saying about you.
Since creditors do not have to report to every credit bureau, they generally only report to one or some to which they are subscribed to. This only means that each report from each bureau is slightly different from one another.

The first thing you need to do is to order your creditreport. Remember to order it from each bureau becauseyou would only waste time and money if you only ordera credit report from one bureau.

The cost of the credit report will vary from according to your location, although the norm is quite affordable. Especially given the value you’ll obtain from knowing what is being said about your credit.

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Improve Your Budget

Firstly if you don’t have a personal budget or business budget, you’ll find yourself in debt quicker than you can imagine.

If your currently in debt, you’ve got to get yourself out, as soon as possible. Budget ensure that you don’t spend more than you earn. Budget also allows you to save and allocate your money more effectively. A budget ensures that your have the money to go on that holiday or buy that new car.

The following are a few of the most effective ways to improve your budget and increase your spendable income.

Coupon’s

This is the single most important rule of personal budgeting.Why? Simply because a few minutes spent clipping coupons could end up saving you multiple dollars in the checkout line.

Buy in bulk.

If your favorite products are on sale, buying in bulk may cost you more at present but could end up saving you a lot in the future.

Some good examples are items that do not have an expiration date, such as soap, shampoo, toiletries and other household items. Canned foods, which carry a long expiration date, are also ideal for buying in bulk.

Saving your change.

You will be surprised how quickly change can add up and, even if it’s $50 or $100 per month, your coins can add up to some serious cash.

Many people discard their coins or simply toss them around without thought, but saving them in a sealed money box will help a great deal when it comes to personal budgeting.

Save a little each pay check.

By putting a proportion of your pay into a bank account that is not easily accessible is an effective way to save a lot of cash. Make contributions to this bank account on the same frequency as your pay, whether its weekly, fortnightly or monthly. If it’s a few dollars or several hundred, always make sure that you are putting aside some amount of money into a savings account. If possible, deposit 10-20% from each paycheck.

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Impacts of stress

Stress management is an essential step for you to take once you have determined you are facing stressful situations in your life, regardless of the cause. Although there are helpful types of stress that enables you to cater this added burst of energy into something positive and productive, it is not recommended for your body. Long term stress can specifically produce negative impacts on your health and is recognized to deteriorate your health faster.

Furthermore, stress can reduce your capacity to perform and function well, either at school or in the workplace. Therefore, stress isn't something to be dismissed. Aside from the personal impacts you can experience from stress, it also affects how you deal with the environment and the people in your lives.

Knowing Your Stress Level

When it comes to stress management, determining the source of stress is often not enough. For people who are often stressed, keeping a stress journal is highly recommended in order for you to monitor the different levels of stress you are experiencing and what effects it produced. This is an effective way for you to closely study your levels of stress, its triggers, and for you to pinpoint exactly what you can do to relieve yourself from it.

Starting on Stress Management

Now that you know the effects that stress can do to you, getting started on a stress management method is necessary. Managing your stress helps you regain control over your life, instead of being consumed by the amount of stress you had to deal with. Here's how you can get started:

• Determine what causes stress in your life.
• Think of ways that you can reduce that stress.
• Formulate your stress management technique for relieving stress.

Steps on Stress Management

One thing you need to keep in mind is that you cannot expect to totally get rid of stress. It is a process wherein your initial goal would be to reduce the amount of stress in your life until you eventually get rid of it.

The following ideas will help you establish a stress management method that could work for you:

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Reduce stress at work

Those who spend more time working tend to suffer from stress more than others. The mental and emotional burden that is often attributed to the demands of work can affect our productivity and efficiency with our task that would often lead to troubles.

This is one reason why it is very important for working individuals to undertake stress management to avoid compromising their career. You don’t have to be in a special place to apply stress management. In fact, you can do it anytime and anywhere if you feel like it.

You can do it while at your work desk, in the meeting room, or even out in the lobby. The idea here is to control your mind to relax so that you can continue fresh with your task emotionally, physically, and mentally.

Here are some tips that will surely help you out.

Understand The Cause Of Your Stress

You will never be able to get rid of stress if you don’t know what's causing it. The first stress management tip you might want to apply is to determine what stressed you out. If it is the project you are working on, your boss, or with your work mates then take some time to determine what about them that gave you stress.

Feel free to list them down if you want to keep track of it.

Learn To Relax Your Mind

Relaxation is a very useful stress management technique. Having a clear and focused mind can help in dealing with problems even before they blow up on your face. You can relax by doing light meditation, breathing exercise, or simply get out for a breath of fresh air. Try to stop thinking about the cause for a few minutes to clear your head.

Indulge In After-Work Pampering

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Overcoming Public Speaking

Most people are resolved to the fact that they are never going to speak in front of a crowd, however, little do they know that the keys to overcoming the fear of public speaking is as simple as any practical solution could be.

People gain influence over others and one of the most notable feats that they are likely to possess is the ability to speak well before a group of people or before an audience.

Take note of the most famous people in history, most if not all of them, are good speakers in their own right.

It all begins with two key points for consideration that can help not just students, but also business and other organizations as well.

Prepare.

First thing to help you overcome the fear of public speaking is getting to know how to prepare.

Preparation is key to understanding how your presentation will be structured, especially since it has been proven that people do get nervous with the fact that they will be speaking in public.
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Building your business

Creating a successful and profitable business is no easy task. It’s reliant on many outside factors, including competition, timing and demand, which you have very little to no control over at the beginning.

Assuming all of these external factors are in your favor, having a sound business plan can lead to having a successful business.

Here are three steps to consider when you’re building your business from the ground up:

Determine your business.

What are you selling?

This question isn’t as easy to answer as you may think. For example, Nike is in the sportswear business, but the truth is that when you buy a pair of Nike shoes and a t-shirt at the mall you’re buying a lot more than sportswear, you’re buying an image, a feeling. You're buying the Nike brand.

You need to establish a brand for you business and products. You need to create exceptional value and satisfaction for your customers. Saveyourchain offers our clients effective solutions and services to build their businesses.

Select your market.

Who are you selling to?

This step is a bit less interpretive as the first, though equally important. Who are you selling to? or more importantly, what do you know about this person?
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