We been discussing with my wife about our financial status. I spent so much than I received from my salary. So we came up of solution that i would like to share it to my fellow men that has the same problem in over spending. First we must discover where our money going and to do this we must keep a record. We must be itemized to the last penny. By writing down every expenditure in a notebook so that we can trace up where our coins are dropping. The result may be a shock. Saving begins with wise spending. Nobody can tell us how to use our money wisely, whether it’s a quarter or a hundred pesos. Because if we like something we are tempted to buy it, with out knowing it is not necessary to have it. One such rule is to practice comparison buying. If you’re going shopping for something don’t just walk into the store and buy. Check out the item first and compare it to another store before buying it and see which is better to buy. Decide what you want first and plan what to buy. Buy only what are you really want and make sure the quality meet your needs. Be selective, after all- it’s your money. When you spend more that you earn you help contribute to inflation. When you buy more food than you can eat, you help raise prices. So one way to beat inflation is by spending less and saving or invests more. There are certain rules, which can help you get the most of your money. For example those store use the word SALE a lot now because of inflation. They feel it’s attracting customer. A sale item may be worth the price it’s selling at, but it may never have been worth the price. ON SALE may not always be good buys. Remember- money even in small amount gives freedom to do something. In the whole process we can start by saving a peso or even a centavo for solid financial stability in the near future and have saving for the rainy days.

The golden key to attain happiness and being successful living is through constant communication of our creator. Prayer is the highest power in the world, when we pray we commune with GOD. Prayer can changes things-just spent a few quite moment of praying. GOD acts to us through our prayers. Be grateful and begin the day with good deeds and opportunities. Be glad for the privilege of life. Live in a simple life and be temperate in your habits. Avoid self-seeking and selfishness. We should pray for spiritual and physical strength, for wisdom, joy and happiness. Pray for other people and we should realize on this changing world, GOD never changes. Today, tomorrow he stills the same he loves us so much. There are no greater joys in life than to render happiness to other by means of giving. Meditation with our creator can help us to communicate with him. When we meditate, we experience the presence of GOD in many ways like peace, joy, beauty and wisdom. The happiness and successful living does not mean looking for a person, or a place. To find happiness and contentment is within inside our heart and in words with GOD which we carry it any place at anytime and with anybody