Multiply-by-25 Rule (from passion savings)
The Multiply-by-25 Rule (click on link for full article)
“The power of the Multiply-by-25 Rule is how it gets to the nitty-gritty of what is going on in the money management project. Why is it you want to save? It’s so that your money can start earning money, and thereby a bit of the burden of doing that by going to an office or factory each day can be taken off your shoulders.”
The Multiply-by-25 rule assumes that you will be able to invest the money saved in an investment that will provide a 4 percent annual real return.
1. You need to determine how much an item of spending costs over the course of a year.
2. You need to multiply by 25 to learn how much you need to save to create a fund that covers that expense for life.
Have you found that there are people who will never allow you to be happy. They always find some way to pour water on your fire no matter what? The simple thing to do would be to just cut those people out of your life. Sometimes however, it’s not that easy, especially if those people are close family members. I try to put as much space/distance as possible between myself and those individuals but it doesn’t always work. I need to get to a place where I can just let it roll off my shoulders.
I’m learning how to put myself first and not allow others to use passive aggressive ways to try to make me feel guilty about that. At the end of the day everyone has to lead their own lives and you can’t depend on anyone for your happiness. Do what you can to help others but your happiness should be numero uno. If you are not happy how can you take care of others or foster happiness in others?
I’m starting to realize maybe those people are not happy themselves. Maybe what is said about misery liking company is true and that’s probably the major reason they try to want to put a damper on your happiness.
How do I deal with that behavior? I take a break from those people for a while. I don’t feed into the negativity. I also try not have arguments or back and forth conversations with them.
How do you handle such behavior towards you from others?
I’ve decided that this month October, 2017 will be my month of renewal. Shedding the old and exploring the new and reviving some of the thoughts I’ve had by putting them into practice. I’m born anew over and over again. My metamorphosis is not always complete hopefully this time I will not stay in the cocoon to long nor get out to soon and evolve renewed, refreshed, and wholly complete. I have realized that even when it seems like everything in life is conspiring against you, the Universe is aligning things in your favor.
“You attract to you the predominant thoughts that you’re holding in your awareness, whether those thoughts are conscious or unconscious.” That’s the rub.” – Michael Bernard Beckwith
Operation Exit: Week One – 11 Sept 2016 – 17 Sept 2016
I participated in this writing project my niece Write to Bliss put together. It was called The Love Habit. She ascribed one love habit per day and one could write publicly or in one’s journal. I wanted to hold myself accountable so I decided to write publicly on Instagram. At the end of the 21 days (It took me a little longer than 21 days because I didn’t always do it everyday but I picked up where I last eft off) I realized I needed to make a change. I am moving to another country. I set my exit date two years from 10 September 2016.
You know that life is meant for living and that you have only one life to live. Show the world you aim to make it count. You can only die once. Stop living in fear. This is my new life motto. Well, it has always been but now I’m actually going to put it into practice. I will be making weekly updates on how and what I’m doing to get to my goal. Follow me why don’t you? Thanks.
1. Live in the moment instead of always wishing for something else.
2. Concentrate on what you want Instead of constantly pointing out what you don’t want.
3. Don’t be overly concerned about what others are doing.
My Trip to Kenya Part 3
Picking up where I left off from part 2.
Today (8 June 2015) is the last day in Kenya for my friend and her daughter. We took a Mombassa City tour and got some shopping in. Had lunch and it was time to head to the airport to drop them off for their return trip to the US of A. It was sad to see them leave. I was now on my own for the next seven days.
The following day I just loughed at the pool and read for the most part. The day after that I went to the supermarket and purchased some groceries. I had lunch while I was out and took advantage of the free wifi at the mall to make a few phone calls on WhatsApp to family and friends. The next few days I borrowed two books from reception and just relaxed at the resort. I had the pool all to myself since it was low season and I think only four of the units were occupied.
on 12 June 2015 I departed for the South Coast of Mombassa and my last four days in Kenya. The resort was beautiful even though I had to run away from monkeys on a few occasions to get to my room. I whiled away my days at the resort sunbathing, eating, drinking, reading etc., and spent my evenings/nights with some locals exploring the local area and nightlife. All in all it was a fantastic trip and I hope to visit again. Hopefully do a lot more site seeing next time.
I shall remain job free for as long as I can. The end.
I love not having to worry about my hair. Everyday is a good hair day unless I need a haircut :-).
As soon as I hit send I will be leaving for the airport. I have always wanted to go to Haiti but hadn’t made it yet. Finally getting to visit for the first time. Hope it won’t be my last.
I refuse to accept any kind of religion because from what I’ve seen every time religion was brought to a people they lost their identity, freedom, and land. This is my truth. I’m not asking anyone to go along with it. I’m speaking for myself and only myself.