Personal Finance

Money was scarce last year and it may or may not continue to be for some this 2011. It is the case for most of us in global terms. Everyone has been tightening their belts and saving so much to make both ends meet. It has been a challenging feat but people are still struggling with whatever they have and can at the moment.

There are plenty of helpful tools to aid us in our drive to monitor our cash flow and expenses. Some people use the old method of tallying their monthly income by using budget worksheets. That is the old school style of recording every penny earned and spent. It may be useful to some who have conservative approach to their personal finance. However, modernity introduced faster and reliable ways of tracking personal finance for us. The use of software tools to do this endeavor has been a great help for many computer savvy people who value not just their money but their time. These financial softwares not only track expenditures but they also record home budget, investment and other means of income.

Another means of governing our hard-earned money is through the services of financial advisors who give sound and knowledgeable personal finance advice. Their opinion matters because they have a track record under their belt of achievement. Their experience and knowledge on the depth of the financial world makes them good authority in the field of finance. Plenty of people who have valuable assets to protect and invest use their trusted financial advisors for opinion on how to manage their wealth properly.

For some of us who cannot afford the service of a personal financial advisor, we can do our own managing with the samples I have given above. It may be old-school style of tracking or with the aid of computer software. We can still achieve the end result of managing our personal finance. 

Many people are devising ways to keep track of their money flow. And with the pressing times, it is wise to do so.

My Spiritual Wealth

I have always believed that no material possessions I have here on earth can ever save me. I try my level best to live by that rule. I am not a goody-goody Miss Two Shoes kind of person but I try so hard not to cause any harm to others nor bad-mouth someone nor think ill thoughts. I just want to do and say the right things as far as my faith and belief are concerned. I would like to face my God during the last days of my life with a clean heart and conscience.

The tenets of my spiritual wealth includes prayers and doing good deeds to others. These are the kind of wealth which cannot be measured in terms of monetary value. It is not a simple task because I face different people with varying personalities and beliefs as mine. Most often, other's ways and habits contradict my views but I practice tolerance and respect as long as they do not question my faith. Sometimes, these people will test your patience but I just accept them as they are and pray that we gracefully accept whatever differences we have.

The worldly possessions I have here are just physical manifestations of the great blessings I receive. As my act of gratitude, I believe in the word of God and the Bible Prophecy. I digest His words like my daily bread and spread the word thru good deeds. I would like my Lord to be proud of me and when End Times come, I am ready to walk in His kingdom with all my spiritual wealth.