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Befriend Your Budget, This Yuletide and Always

It is that time of year again. Yuletide?Christmas in the air. Nostalgia, goose pimples and casting off all financial discipline. It was originally meant to commemorate the birth of Jesus Christ. Joy to the world, and good will to all men?

Then the commercial establishment descended and hijacked the season. Coca Cola dug into the archives, fished out Saint Nicholas, dressed him in Coca Cola colors with a long white beard, and christened him Santa Claus. It has become:

"Joy to the world, and good sales to all shop owners".

It is the biggest sales season of the year. Shops prepare all year for this moment. To boost sales, high street shops offer some tantalizing price reductions, 50% off, buy one get one free etc. They work on your psyche until you give up the fight, switch your brains off and give in fully to your emotions. There is a nice sounding word for this victory: consumer confidence. Buy now, regret later.

You must buy new clothes for every member of the household, especially the kids, take them to Santa arcade, and send gifts/hampers/cards to relatives, friends and foes. You must upgrade your living room, get wider screen TV, upgrade your cable subscription, give your home a fresh coat of paint, change the curtains, the list goes on. Buy one, get two free, and suffer buyer's remorse later. It is all in the spirit of the season. You can think of the credit card companies later. You are helping to crank the engine of the economy.

How do you withstand this massive onslaught against your fragile purse strings, this war against the soul of your finances?

Befriend your budget. Run back home and make friends with your budget. Period. The standard advice is, "Make a budget and stick to it". A lot of folks like us have attempted that. If you make a budget and stick with it, you are home safe and dry. This article is not for such lucky folks. It is for folks that are still struggling, budget after budget.

Befriend your budget. A well-made budget is a good sight to behold. The snag is, you have to follow it. That is when the rubber hits the road. This is where most folks take a bow. If your budget is balanced on paper/computer, and unbalanced in reality, something is wrong. That budget is not you. It is an expression of your wishes. There is a communication problem between you and your budget, though you live in the same house. It happens all the time. Married folks will understand what I mean. You guys are speaking in foreign languages.

How do you befriend your budget, and speak the same language?

How can you turn your budget into a friend, rather that a cruel taskmaster?

To attempt to answer these posers, let me tell you a story about two friends: Mr. Nice and Mr. Necessary.

Meet Mr. Nice. An easygoing guy, does not like stress; cares a lot about what others think about him, especially his clique and peers; generally goes with the flow of current trends and fashion; does not like to be the odd man out; does not mind "buy now, pay later"; likes eating out a lot and enjoying the moment to the fullest; hates "cracking" his brain etc. Likeable guy, Mr. Nice?

Now meet Mr. Necessary. Easy going but seriously minded guy; thinks long term; does not care much about public opinion; has a long term focus and is ready to delay immediate gratification; does not care much about trends and fashion; has his eyes on his goal and dreams; does not window shop; would not touch consumer debt with a ten foot long pole etc. Mr. Necessary, seems quite boring to his friends?

Now imagine both guys coming together to form a partnership to float a small-scale business. Sparks will fly, guaranteed. They will forever quarrel about money and expenditure decisions. Now do you still wonder why you are having problems with your budget?

Can these two guys ever get to work together towards a common goal? I think so. It takes a lot of work. All relationships do. Ask your favorite Agony Aunt. Something has to give. If both guys remain in their trenches, then status quo rules? The only way forward is to come to a common ground: an alignment of two different paradigms.

First, get to know your budget. How it thinks and operates, its mindset and idiosyncrasies, modus operandi etc. Then you evaluate your similarities and differences. Then work at bridging the gap. There are three ways of approaching this. Lets call it option A, B and C.

Option A:

Meet your budget all the way. Change your ways and habits, and adapt to suit.

Option B:

Middle of the road option; you give some and your budget gives some. This will entail re-writing your budget to suit the new scenario.

Option C:

You don't move an inch. Your budget comes to meet you. This will also entail re-writing your budget to reflect your current cash flow. Of course you will make provision for deficit financing. You are not making any progress here, but at least you know where you are.

Whichever option you choose, you will end up with a budget that works, a budget in touch your reality. Being frank to yourself is key; if you deceive yourself, you will continue in the merry-go-round. Put your finger on where you need to change, and work on it. Stay focused at you short and long term goals.

Having a budget that works is your only bulwark against the yuletide madness. When you befriend your budget, you form a formidable team.

While making your yuletide budget or wish list, always remember that your November salary is for December expenses and your December salary is for January expenses. It is so easy to forget this in the midst of battle, especially as some employers pay December salary mid month. If you mix it up, you will join the bandwagon of folks that believe that January is the longest month in the year. For them, it is, and their creditors will love them for that?

Joy to the world, and goodwill to all men.

Merry Christmas

Usiere Uko is the webmaster of the Financial Freedom Inspiration website and editor of the monthly Financial Freedom Inspiration Newsletter, a free ezine to inspire you to exit the rat race and fulfill your God given dreams. To subscribe or visit the site, please click on the URL below. http://www.financial-freedom-inspiration.com

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In The News:

Tracking the progress of the third party testing we at PES are coordinating along with U-Plug Products LLC, of their 2 kW U-Plug magnet motor that is a 24"x6" portable cylinder weighing 20 pounds, expected to cost 2,000 USD. We want to run it three times longer (21 hours) than what the best batteries available could provide. (PESWiki; February-April 2016)
Pre-launch video announces a new LENR website coming March 1, 2016 at http://LookingForHeat.com The video is very well done as an entertaining piece that hopefully will go viral. (Free Energy Blog; February 21, 2016)
It's not easy to find a qualified testing agency that is also willing to sign off on something that appears to defy our existing understanding of the laws of physics. U-Plug has agreed to allow for a group of us scientists, including at least 3 PhDs to go test their unit and publish our report. (PESN; February 20, 2016)
So that this is quite clear, this is a test on a Regular Torch. NOT the ELFE flashlight. This is to compare them. 2 x NiMH AA 1.2v Battery's in a Regular Torch with a Halogen Bulb. Load is 2.8v and 0.85amps. (PESN; February 17, 2016)
Video explains the scientific principles behind how the ELFE flashlight harnesses endless free energy from the environment (Earth's magnetic field), which works better in some regions than others. It also shows the insides the torch. Uses the word "antennae," as one of the components. (PESN; February 14, 2016)
"The OPhone contains a capacitor that directly powers our phone. During extensive use this capacitor may become discharged, however this capacitor is being constantly trickle charged by Orbo. So after a period of time the capacitor will be recharged and the phone will be functional again. In essence the phone is charging itself." (Free Energy Blog; February 13, 2016)
The company that has figured out how to harness the earth's magnetic field to produce usable power and has been selling the ELFE flashlight (two more customer reports), is now developing a 3 kW generator. In two weeks, they are holding a business meeting for international distributors. (PESN; February 12, 2016)
Illinois company is gearing up to manufacture a 2 kW (115 volts, 17.3 amps) magnet motor that is load-following, portable, 24"x6" tube, weighing 20 pounds, very quiet, with 3-year warranty but expected to last at least 20 years with zero maintenance. Third-party tested. MSRP 2000 USD, beginning March, 2016, through distributors. (PESWiki; February 11, 2016)
The government agent who worked on this technology five decades ago, that is similar to Professor Steven E. Jones' Joule Ringer, thinks it is conceivable that we could eventually scale this solid state technology up to have a device the size and price of an air conditioner providing 20 kw. (PESWiki; February 9, 2016)
Nagendra Singh in Mumbai, India, informs us that they have built five of these and have two running for customers presently, in the 40 kVA range. "Presently it is too [expensive], costing 3200 USD per kva below 30 kva." (PESWiki; February 8, 2016)
The SunCell is described as a solid state "Sun in a Box." A 200 kW module would weigh around 250 pounds, with energy production cost being around 1 cent/kwh, so return on investment could be ten days. They are expected to be available commercially by Q1, 2017. (PESN; January 6, 2015)
"Today I received my Elfe Flashlight and it works. Time will tell if it meets the claims of automatically recharging, when depleted. If it holds, the claims a real breakthrough in FE technologie would have been accomplished." -- German customer (PESWiki; February 6, 2016)
The phone battery indicator stays near full even with heavy usage throughout the day. (The battery is charged by the internal OCube that pulls energy from the wheelwork of nature, solid state). (PESWiki; February 5, 2016)
The capacity of the Proton-3ND (Proton -3 Nano Diffusion) battery is projected to be 44 times the capacity of lithium batteries. Electric vehicles with these batteries would have more power and much more mileage at no extra charge. (PESN; January 4, 2016)
HH2 water fuel cell creates pure hydrogen off a 9-volt battery. This was a big diesel HH2 cell that was tested on a 16-liter Cat engine for CARB testing; yet it ran on very low amps and a low 9 volts. (PESWiki; February 3, 2016)
A former U.S. Government worker describes his effort to bring to public awareness (by highlighting things presently in the public domain) energy and anti-gravity technologies that the government had operational 50 years ago but has kept from the public. (PESN; February 2, 2016)
Imagine an incandescent bulb that is actually more efficient than LEDs! Well, it actually exists (MIT) and it does so by recycling light. (Free Energy Blog; February 2, 2016)
SMBC-Comics.com has posted a fun spoof on our skeptics. (Free Energy Blog; February 1, 2016)
"OK, so a lot of people are asking what's the difference between an Orbo power cell and traditional batteries." Batteries store energy, Orbo generates energy, then trickle charges a lithium ion battery.] (Free Energy Blog; February 1, 2016)
Mr. Keshe is as misleading in the field of free energy as he is regarding me. That has been my experience the years I've been exposedto his work. He takes something and blows it so far out of proportion that it barely resembles the fact from which it was extrapolated into infinity. He demands: "Close PESWiki now." (PESWiki; January 31, 2016)
They have achieved solid state operation using an electromagnetic pump to spray the molten silver between the electrodes for the 1000/second continuous pulsing for continuous power production. (Free Energy Blog; January 29, 2016)

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