Simple Tips for Better Financial Management

Some days are tougher than others. This 2013 has begun with its share of challenges; nevertheless I will continue to push forward. This post is to give tips for managing money.

My tips are simply:
1. Pay your bills on time because late fees are like throwing money in the garbage
2. Save little by little because it serves you better to save $10 per month and not touch it than save $100 and withdraw it after two days
3. Please prioritize your needs and wants. I re-posted a photo onn my Facebook that had a simple caption "You have an iPhone 5 and your kids have no food?" Please don't let that be you
4. Cut unneccessary costs. Do you really need to have the top cable package when you are hardly at home?

You may say that the tips are no-brainers. However, then why are so many people in heavy debt today?

Do what you know is right and spend wisely!

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POEM: I Want to be the Change

I want to be the change
I want to be effective
not just selective
but an agent of change
I'm not deranged
or strange
but want to be an advocate
for those with no voice
I want to be the one
that is able to cause little ripples
that turn into big waves
because we see all that is wrong
but noone wants to make correction
so it's time for a change injection
and someone's gotta make the decision
it is no longer acceptable to just sit there
like you're not aware or just don't care
I want to be an agent of change
and get us properly re-arranged
so that we can function
and work together in unison
let's go cause we can make it happen
so don't walk with your spirits dampened
change is in you and it's in me
just be the best you that you can be
and together we can make it happen

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JSPS Sports Was Great

The Joyce Samuel Primary School sports was awesome today! The Eagles - Red House came first. The defending champions, the Hawks - Green House came second and the Doves - Blue House came third.

The children did well and I know they had fun!

Congrats to all the children, teachers and parents!

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JSPS Sports is Today!

JSPS Sports is Today! I am a proud parent who will be there representing!!!!!!!!!

Truth is ...

Truth is...
no one likes plagiarism
people tend to be fake
children speak their minds openly
many people do not utilize their talents
many of us are in the wrong profession
too many of us hold grudges
many people are underappreciated
teachers have a lot of work to do
lawyers should give half their salaries to teachers
my ideas are not the same as yours
you may get offended by something on this list
I'll hear your side but will stick with mine

The truth is simply the truth. You don't have to agree or comply, but it is what it is.

Farmers' Week 2013

Herb entries for BVI Farmers' Week 2013 - Tortola Exhibition

I am the 5%.....

They say that when you join an organization, you have to accept its culture. I guess I'm the 5% that really needs to be a hermit. My stomach for nonsense is very small. I hate disorganization and foolishness. I think what peeves me the most is when everyone disregards your needs but wants you to help them to make them look good.

People who are users are the worst kind to be around and work with. Well, maybe they are on the level with the nitpickers, the lazy ones and hypocrites. I'm not perfect and I don't pretend to be. However, I can make things happen. I put my best foot first EVERY TIME! I don't need to be acknowledged for it. However, I expect that if I am in a team, that 110% will be given by ALL.

I am the 5% of people who will be vocal, be boisterous and be dissatisfied with the mediocre. I am the 5% of people that have no tolerance for stupidness. I am also the 5% that will be in the midst of mess and still try to save face.

How long can that go on? It's time for a change!

5%

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