Busting those budget busters When spending far less than you earn is a problem 10 Ways We Hurt Our Romantic Relationships Tactics & Strategy

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Busting those budget busters

Smart Spending readers:
The buddy system.
"Usually one of us has the ability to be much more rational than the other,"
Try a smaller splurge
to buy her a single cupcake,
Count the true cost
$60 wine tasting. "That's a month worth of cable TV."
You better shop around
the Internet for about $11.75 including shipping
Can't say "no"? Say "maybe later
• Refuse to use cards.
nceled and cut up all but one of their credit cards. "
Wait, wait and wait some more.
"absolutely have-to-have feeling
Looking at money differently

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When spending far less than you earn is a problem

When spending far less than you earn is a problem
Recognize that you may be overdoing it.
the 10-second rule is ingrained
Let yourself trust the people worth trusting in your life.
Set aside some money that you're willing to spend.
, don't feel guilt about the choices you make

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10 Ways We Hurt Our Romantic Relationships

1. You’re playing to win
2. You don’t trust
3. You don’t talk
4. You don’t listen
really listening
I’m
think
5. You spend like a single person
6. You’re afraid of breaking up
7. You’re dependent
8. You expect happiness
9. You never fight
10. You expect it to be easy/you expect it to be hard

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Tactics & Strategy: Do you know the difference?

A system based on tactics without strategy leads to shooting in the dark
If you want to set up a productivity system, invest the time in not only learning it but making it a habit, and be able to use it for many years to come, it’s very important to consider well your strategy—the foundations of the system.
It’s a good time for a retrospective, introspective look at the way you work. Do you work best under pressure? In a minimalist environment? Does having information scattered and cluttered around you inspire you to work?
Knowing your work mindset and your strategic outcome allows you to form a workable strategy.
Tactics
What is your strategy?
• An action
• A purpose
• A schedule
• A measurable result
The Action
The Purpose
1. It ensures that every tactic adheres to the principle outlined earlier: all tactics must help you achieve your strategic outcome.
2. It ensures you’re not wasting time on tasks that provide no return.
I regularly go through my task list and ask myself, if I do this, what goal or strategic outcome will it advance or satisfy? and frequently, if I don’t do this, how will that affect my projects and outcomes? Shaving unnecessary tasks is important when the list gets too long to complete.
The Schedule
empty inbox
tactic
The Measurable Result
• One more piece in my body of work
• Roughly a thousand more words in my body of work
• One account receivable
• Comments (measure success of article and refine for next time)

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The Art of Negotiation: Fifteen Steps to Success
http://www.dumblittleman.com/2008/02/art-of-negotiation-fifteen-steps-to.html

• Know what you want. Sit down and work out exactly:
Find out what’s available
Re-evaluate your goals
o Do you want a cheaper car (house, TV, holiday, etc.)?
o Can you afford to pay more? Where does this item fall on the need/want spectrum?
o Should you wait until prices come down / you’ve saved up?
o What you need and what want. Secure the needs first and negotiate with the wants (aka the extra stuff you can do without)
Arm’ yourself.
o Which professional bodies oversee the industry
Select your supplier
Understand how the company works
Arrange your appointment.
Remember who’s the customer.
Show what you know.
Admit what you don’t know
Don’t let them ‘blind you with science’
Give and take.
o Compromise – if you’re being offered a good deal, don’t turn it down because there’s one tiny thing missing.
o Consider new ideas – just make sure you understand the pros and cons, and find out if you can ‘mix and match’ elements of various options.
Don’t be rushed into anything.
o At the very least, you should read the small print – and ‘sleep on it’.
o If it’s complex / full of legal terms, you might consider taking it to an independent specialist.
o Don’t feel pressured. You can always walk
The end?