Tag Archives: living

Great Reading for Christmas

Two great books as gifts for Christmas


This of course is my book ‘Living better on less’  which I believe to have some great tips and a good Christmas present.



Just click on books to go to Amazon

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Stretch your dollars — Get rid of Your Debt



It does not matter where you live. Credit card debt can be one of the most difficult things to overcome in trying to get ahead financially. Having a high balance on your cards will hurt your credit score, and it can be extremely challenging to break the spending habits that got you into debt in the first place.

Thankfully poor credit is not the end of the world—  There are some credit cards for people with bad credit — but it can make your finances more challenging. Not advisable unless it is totally necessary it costs.

One of the best ways to improve your credit while tackling debt is to prioritize making payments on time and reducing spending, so you can chip away at your credit card debt rather than add to it.

Paying off your credit card debt may also help you save money. The sooner you pay it off, the less you’re going to pay in interest and can save over time.  We all  kinda know that,  but sometimes we need to reminded of the advantages of getting rid of that debt. Its like a load off your shoulders.


More info in Simply Fantastic – Living better on less

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11 States Where $1 Goes the Farthest


This is a report from USA today which I thought quite interesting. Note Texas is not mentioned.

The Bureau of Economic Analysis, which published in July its report for 2014 prices for household consumption across the country. Your dollar will go a lot farther — 30% farther, in fact — in states like Mississippi and Arkansas THAN say Washington, D.C., and Hawaii.
This of course is 2 years ago, there may be a few changes but basically it gives you an idea of where it would be cheaper to live. If you want to move.

The states where your dollar (rounded to the nearest cent) is worth the most are:

1. Mississippi ($1.15)

2. Arkansas ($1.14)

3. Alabama ($1.14)

4. South Dakota ($1.14)

5. Kentucky ($1.13)

6. West Virginia ($1.12)

7. Ohio ($1.12)

8. Missouri ($1.12)

9. Oklahoma ($1.11)

10. Tennessee ($1.11)

11. Iowa ($1.11)

The cost of living in 35 states was below the national average.
The areas where your dollar is worth the least are the District of Columbia (85 cents), Hawaii (86 cents), New York (86 cents), New Jersey (87 cents), and California (89 cents).


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Did You Know – 08/15/2016


Happy Birthday Jamin. Fishing and relaxing with a Dark and Stormy Drink

Happy Birthday Jamin. Fishing and relaxing with a Dark and Stormy Drink

1.That it is my Son Jamin’s Birthday today. It is also our good friend Tim’s Birthday.Hope they both have a wonderful day.

Happy Birthday To our 'Awesome' Tim.

Happy Birthday To our ‘Awesome’ Tim.




2. The Rules to get the best seafood.

a. Buy low – Slash toxin exposure by buying seafood low on the food chain: scallops, oysters, shrimp and anchovies, catfish, clams, pollock, sardines, salmon squid and Tilapia.

b. To minimize mercury avoid predatory fish like: Shark, Marlin, Swordfish, Tilefish, Ahi, and bigeye tun, King mackerel and orange roughy.

c. Pick long living species like bluefish, albacore, yellow fin  tuna and striped bass only occasionally.





3.You need to  read the Ingredients of Sunscreens

Chemicals to avoid like Retinyl palmitate, a type of vitamin A found in many SPF products can speed skin Tumor growth. Oxybenzone, a chemical found in many sunscreens is not only bad for your skin it has been found to be killing coral reefs and other sea creatures. Because of sunscreen used while swimming the Oxybenzone harms the DNA of both adult coral and larval young.

Sunscreen chemicals interact with sunlight to hamper the growth of phytoplankton, causing the death of whales, fish and other species that rely on tiny plants for food.

Source : Prevention.com

run a marathon crop menthol deep coal menthol cool racerback

4. That  studies have found that runners who rinsed with minty mouthwash solution during workout  are able to go faster than those who drank an icy sports drink. Menthol can make you feel cool all over and appears to reduce feelings of dryness and thirst that can slow you down. 

Source: Scandinavian Journal of Medicine and Science in sports



5. According to the American Journal of Clinical Dermatology that there is an impressive reduction of 25% in melanoma occurrence among people who drank one to four daily cups of coffee compared with non-coffee drinkers. Various antioxidants in coffee apparently interfere with the formation of cancer via UV light



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Oh My How Things Change In 50 Years

This may be boring information to some, but I thought it was fascinating and amazing how much the cost of living has risen.

Cost of Living — 1962

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Open Your Arms To change, But Don’t Let Go Of Your Values


18 Rules of Living
by the Dalai Lama

1. Take into account that great love and great achievements involve great risk.
2. When you lose, don’t lose the lesson.
3. Follow the three R’s: 1. Respect for self 2. Respect for others 3. Responsibility for all your actions
4. Remember that not getting what you want is sometimes a wonderful stroke of luck.
5. Learn the rules so you know how to break them properly.
6. Don’t let a little dispute injure a great friendship.
7. When you realize you’ve made a mistake, take immediate steps to correct it.
8. Spend some time alone every day.
9. Open your arms to change, but don’t let go of your values.
10. Remember that silence is sometimes the best answer.
11. Live a good, honorable life. Then when you get older and think back, you’ll be able to enjoy it a second time.
12. A loving atmosphere in your home is the foundation for your life.
13. In disagreements with loved ones deal only with the current situation. Don’t bring up the past.
14. Share your knowledge. It’s a way to achieve immortality.
15. Be gentle with the earth.
16. Once a year, go someplace you’ve never been before.
17. Remember that the best relationship is one in which your love for each other exceeds your need for each other.
18. Judge your success by what you had to give up in order to get it.

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Did You Know – 06/25/2012

Human Eye Detects sound

Yes, sound. University research studies show that mild and incidental noises cause the pupils of the eyes to dilate.
According to David Louis’s book of  Fascinating Facts, Uninvited noise bothers professions like surgeons, watchmakers  and others who perform delicate work, because the sudden noise causes their pupils to change focus and maybe blur their vision.

The only part of the body that has no blood supply is the cornea in the eye. It takes in oxygen directly from the air.

The cornea has unmyelinated nerve endings sensitive to touch, temperature and chemicals; a touch of the cornea causes an involuntary reflex to close the eyelid.

In 600 AD, Pope Gregory 1 decrees that “God bless you” is the correctly response to a sneeze.

A sneeze was believed  the expulsion of some sort of evil, and the phrase was meant to ward off the evil’s re-entry.

In Vermont A wife must obtain written permission from her husband to wear false teeth.
Crazy but true.


The only known poisonous bird in the world is the Hooded Pitohui of Papua New Guinea.

The poison is found in its skin and feathers.
They call it the “garbage bird” because of its unpleasant smell, and avoid eating it because of the bitter taste and a tendency to make people sick. The Hooded Pitohui has batrachotoxin (BTX) in its dander, and in its skin and feathers, a neurotoxin identical to that used by deadly poison frogs in Colombia, South America.

The oldest living tree and hence one of the oldest known living things on earth

Is a bristlecone pine tree located in California, its actually over 4,600 years old. The ancient warped and twisted bristlecone pine tree, a big draw for photographers, painters and other artists.


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5 Expressions of Mindful Living

This is an article that was brought to my attention, by someone very close to me whose name I will not mention. To my surprise and inward delight he was (oops did I say he) very impressed and admitted to being enlightened.
It is written by Haider Al-Mosawi
I have read many articles on harmonizing our lives, but I have to admit this one is certainly one of the better ones.


It’s sometimes difficult to give the principles we wish to uphold practical expression in our lives. That’s because we don’t know what they truly look like in the real world.

A good way to overcome this obstacle is to incorporate mindful expressions into your daily vocabulary. This will help you become aware of your principles and apply them to everyday challenges.

I find the following five expressions extremely valuable in adding more meaning and mindfulness into my life, and I hope they will have a similar effect on yours.

1. “I don’t know.”

Contrary to popular belief, being “enlightened” doesn’t mean that you know everything there is to know about the world, and it certainly doesn’t mean that you pretend to know everything.

Ignorance isn’t a weakness. It’s a fact of life.

Choosing to ignore your ignorance will only add to your ignorance, as it will prevent you from embracing learning opportunities.

We can feel shy to admit that we don’t know, especially when everyone else seems to know. But pretending to know only masks the fact that we don’t.

Enlightened living isn’t about pretending, but about accepting reality.

If we don’t know, then we don’t know, and there’s no use in hiding this fact.

When it comes to learning, it’s essential that we focus on the “half empty” portion of the cup, so we can develop the desire to take in more knowledge rather than feeling satisfied with what we already know.

You may even want to consider the cup as being completely empty, so that you can see a subject with fresh eyes, without basing your opinions on your existing assumptions.

That way you become more open to accepting a radically new outlook, without resisting it because it’s wrong, based on your current views.

2. “I was wrong.”

One of the biggest impediments to our happiness is identification with our own opinions, and refusing to accept that they might be wrong.

We shut ourselves off from new information, avoid making any observations that conflict with our views, and ignore what others want to tell us, simply because we fear that our beliefs will be challenged.

So what if we’re wrong?

As human beings we’re bound to make mistakes in understanding the world. That’s part of our learning journey and it’s nothing to feel ashamed about.

Being able to admit when we are wrong will help diffuse a great deal of tension in dealing with others, as we’ll no longer feel the need to take a defensive stance to protect our opinions.

3. “I made a mistake.”

The amount of time, effort, and energy we spend coming up with excuses and rationalizations for our mistakes can be better spent on moving our lives forward.

You may have noticed that most of our struggles in life don’t come from the problems we face, but the fact that we refuse to face them. Why? Because we’re not willing to admit a past mistake, and so we resort to evasion or blaming others for our own mistakes.

By accepting that you’ve made a mistake and acknowledging it verbally, you free yourself from the need to come up with excuses or shift the blame to avoid taking responsibility.

I should stress that you make mistakes. You’re not the mistakes you make, and you shouldn’t identify with these mistakes.

See them as poor decisions that you can learn from for the future and not as character traits that you will continue to possess for the rest of your life.

4. “It happens.”

We feel frustration when our expectations aren’t met and we struggle to make sense of why things happened the way they happened.

To diffuse that frustration and to accept reality as it is, you can remind yourself that what happens happens, and there’s no need to fight it.

You certainly don’t need to arrive at an answer for “why did this happen to me?” before you are able to move on. Some things just happen, to good people and bad people.

Beauty and serenity come with accepting reality the way it is, without demanding that it conform to our own wishes and whims.

Once we become more accepting of reality, we can become more effective in dealing with the challenges we face in life.

5. “How can I help?”

There’s a difference between saying “can I help you?” and “how can I help?”

The first infuses your ability (and willingness) to help with doubt. It supposes that you can either help or can’t help, and is often used to resist the opportunities to help others.

But the second question begins with the assumption that you can help. All that matters is how you can help. It’s definitely more welcoming, and allows you to exercise a greater level of creativity in finding ways to help others, or in advancing your own life.

Sprinkle your life with these mindful expressions and you’ll find it much easier to put your principles into practice.

What other expressions can you use to help you live more mindfully?

Haider Al-Mosawi writes about holistic growth through balanced living at PersonalGrowthMap.com, and believes that we must embrace being human – with all that it entails – in order to lead meaningful and harmonious lives.

SOURCE: Tiny Buddha

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Living Under The Same Roof

Are the kids showing no sign of leaving home?

Maybe they flew the nest only to find that the cost of rent, food, study fees and maybe a broken romance gave them the excuse to return to the fold.

I have been there. I love my children very much but their return to home was not as enjoyable as it seemed to them. My privacy went out the door and peace and quiet. I did though put down some rules which I stuck to. It made my life a lot less confrontational and they knew that the rules were written in stone never to be broken.

The rules were:-

  • Rent/Board « They had to pay rent of a set amount each week. There was no cash handouts to accommodate their lifestyle. No money « no play.
  • Money tip « Use their rent/board to put towards your mortgage or superannuation.
  • Food and Bills « The extra needed to pay electricity, food and water can add up and hit the hip pocket, when your costs should be reduced. You need to calculate what the extra cost is going to be and your lodger child should contribute to the kitty as he would if he lived with a flatmate.
  • Money tip« Insist on a set amount they pay each week towards all the costs of running the house.
  • Using the car « It is a money pit to be running your children everywhere or allowing them to use your car without putting in fuel or pay any of the running costs. Don’t even start this habit, be very consistent about them paying for fuel and costs.
  • Tempting but don’t give in.
  • Money Tip « Set a limit on the kilometres they can drive each week. Once that has been reached they can use public transport or use a friend. Insist they pay for the fuel they use, part of the insurance and maintenance.
  • Downsizing « Moving to smaller house, duplex or semi can be a way of reducing your cost of living. Keeping a larger house so that the adult children can be accommodated may result in you paying a lot more living expenses than necessary.
  • Money Tip « Consider selling your family house and moving to a smaller place.
  • Move out time « If you allow your adult children to sponge off you and not pay their share of expenses then it is likely to delay your retirement plans. If you keep propping up your children’s lifestyle it will lead them to poor money handling habits. It could lead them to a habit of living in debt as they are used to a standard of living with you that they could not afford on their own.
  • Money Tip « Give your children a deadline to move out. 6 – 12 months is a good time. Empower your children.

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Living On A Dime.

This is an interesting website that I believe has some very helpful information. You can also subscribe to a free newsletter.



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