Every time, on getting my paycheck, I eagerly make a list of my expenditure and try to cut up on areas that I think are ‘unessential’ for my living. These included going out for a movie and eating out every weekend; pizza treats from the nearby fast-food center, getting my laundry done at the laundry store nearby; and buying dresses and cosmetics every month. Now these are things that you might consider unessential too and might want to budget on all these at one go. That’s what I did, but the results were not too good. I stopped going out for a movie and eating out and stopped buying cosmetics and dresses. I also stopped the pizza delivery and washed my clothes myself. Spending time at home in the weekends was too boring and eating only homemade food was pretty uninteresting. My taste  [...] 

Customers are Gods. This is the fundamental rule that any business owner teaches his employees. After all, it’s the customer that you have to satisfy in order to make your business flourish. However good your product maybe, if you don’t have the support and goodwill of your customers, you’re bound to be a loser. But some companies after reaching a high level of success lose their focus on customer satisfaction. The reasons are plenty ranging from over-confidence, bad management, corrupt practices etc. That is when they start falling. Here are some situations that seem to be a common occurrence with many customers. “We packed the wrong commodity, that’s not our fault ma’m” At a leading shoe retail outlet, I finalize a pair of red stilettos from a leading footwear manufacturing  [...] 

A few days ago, I needed a pair of shoes badly and was contemplating a good buy. The posh store selling international brands next door flaunts of some really awesome footwear. I am tempted to buy my new pair from there but nowhere else. But then, the present day altruistic movement of encouraging local business for a number of community benefits is coaxing my ethical senses. Therefore I want to weigh the pros and cons of making local purchases. Here are some reasons that seem to surface when you compare a local purchase with a non-local purchase. Why I should make a local purchase: Coming to the quality of products, local markets have pulled up very much in their standards. If not better, you can expect local made products as not bad. Of course, in no way they come close to branded products  [...] 

When I was a new entrant in the corporate world, I was fresh and burbling with ideas. At many meetings, I would come up with innovative ideas. My bosses would just consider them good but would not be very keen on implementing them. Maybe, I was lacking in experience then. I understood that roping in the boss to agree with your ideas is a difficult thing. The boss is more experienced than you in the subject and naturally to sell your idea to these hardcore professionals is not a joke. Many of you maybe like me. Here are some tips to win over your boss and make your idea a bit hit in your company. When a number of my ideas were not encouraged, I stopped giving ideas arbitrarily. I understood that grasping the business mentality and professional personality of the boss is very important. I analyzed  [...] 

What do you call a good bargain? Buying something at a low price or buying a good thing at a reasonable price? Well, earlier my naiveté as a home manager would always make me opt for the former option. But now out of experience, I find that though the first option does look lucrative and makes me feel as though I’m the winner of a transaction, with a few more dollars in my pocket than expected; in the long run I made a foolish decision. I’ll tell you how, as I proceed with the subject. For the time being let me tell you – be a saint when you go out on to the streets. Don’t get lured by the slogans “cheap and best” vehemently shouted out at you when you pass by. Don’t even look at the hoardings saying “take 3 for the price of 1”. Be detached to all distractions like a  [...] 

The world has emerged with some of the most stunning and thrashing speed. All the jobs that were done by the people are automatically done with the help of the machines or even with the Robots. So, the world is changing towards the “automatic” funda. There are lots of benefits of this automatic funda as people have shorter memories and also in the fast and dynamic changing world, it’s the best thing to avoid the scraps of remembering the routines. Already there are so many things that one has to remember every month like credit card debt, electricity bills and also various types of dues. So, in all these stuffs, if some one asks you to remember the unusual thing of “savings” every month, then who’s going to do that? So, there should be a particular way for the implementation of  [...] 

The most important stuff of the world a man is having is The Life!! There is nothing more than the life, every one of us are aware of that fact. But, still, there are so many facts that we are either neglecting or making avoidance towards that. One of such truthful fact is that there is no security of life at all. There are so many places and sectors of the life where we are fully insecure, and even we never bother for it. Also one of the truths is that men are social animals and there are so many people around us that are dependent on us. So, anything happening to any one makes a great trouble to the other ones. This insecurity makes a great sense for the Life Insurance business. Life Insurance is the way where one can assure that till the time the insurer is alive, the surrenders are safe  [...] 

We generally are taught in the schools, that there are three basin necessities of any human being, Food, Shelter and Clothing. But, after education, when we step up in the practical world, we find only one basic necessity of any human being, MONEY!! In fact all the basic necessities are also earned and driven by money. Money is the heart of any of the human society. Even all the business decisions are also generated and targeted to make money. Money making is the only goal of all the business houses. But, there should be some particular ways which can make money, right? Suppose, if you want to earn some cloths, there are fixed ways. You go to the shop, have a trial of the size and color that suits you, pay the money and the shirt is yours. It’s so simple!! Same way, there should be some simpler  [...] 

We all have a tendency to use the money but not using wisely!! We all have needed to earn money, but not the art of earning them smartly!! We all are desperate to save money, but have no ways to save them!! We all have some targets in mind, but having no ideas for the fulfillment of it!! So, there are various questions and problems we are facing, but all the questions have just one answer, manage your money!! It’s an art of managing money which makes the beginner a millionaire!! See the history of all the persons started with nothing and earned everything and you’ll find one thing in common, they were masters of managing their money. Managing Money is an art of multiplying money with the help of some systematic and disciplines ways of marketing and finance. There are numerous ways of becoming  [...] 

I had an interesting experience with one of my friend. He won some prize at a competition and got worth $50,000.  It was an unexpected bonus from him. He started spending the money even before he actually got the check in his hand!! He was too much thrilled and excited. Despite of saying by all, he was rushing towards throwing money in the waste fields and after a very few month, he had to sell his own home to fulfill the debt which he occurred because of the misuse and mismanagement of money. It was really a shock to everyone that the man who earned $50,000, had to sell his own household to cop up with the increased debt. But when diagnosed the problem, we found that the problem was not the extravagant nature of him, the problem was the ill management of the earned money.   [...]