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09/10/18

Finances & Printable Bill Sheet!

Learning to balance our money and be responsible, is an important lesson to learn. Balance in all things is what we are trying to achieve here. Since this is a major factor in our life, I decided a post was in order. Not to worry, it will not be all physical- for currency is also a thing of heaven. There are a couple of things I have learned that are key when you are learning about how to balance your finances. Even better, I have gone ahead and created a PDF printable sheet you can print and laminate and use with a dry erase marker for your monthly needs!

Needs vs Wants

One of the first things to get in order is to know the difference between a need and a want. Your definition of a need and want is crucial to know for your financial success. A need is something to sustain life, something necessary, a basic need to live humanly. Basic food, water, hygiene, and sleep. Now, there are levels each of these… there is basic and then there is splurging. Splurging is good I believe, but all in a balance, and if the funds are there. Lets talk about that…

Do you NEED and $60 steak to survive? Or can you live on a $5 meal? How much does a basic meal cost you? I know I can feed my family of 5, eating out for $25. I can also go cheaper cooking a lentil meal at home for under $10. We can also go out to eat for $50-60 bucks easy- and splurge. What is basic meal to you? Water, and hygiene are the same as well. There is expensive water and there is basic generic brand water. Expensive toothpaste and basic toothpaste. If money is tight you go with the basic generic brands and only with the basic needs to sustain yourself.

Lets talk about cars, do you need a car? Can you do public transportation? If you say a car… do you NEED a Mercedes or a $2000 car? Get your needs and wants straight and this will help you with setting healthy priorities. Wants are all the extras and fluff. The nice things to have that make life easier, but not necessary to sustain it.

Positive or Negative

Next, everyone either has a positive or negative relationship with money. What are you? Do you see it as evil? I think this quote is true:

Money is not evil, it is the love of money that corrupts

It is all about where your heart desires and intents are. Usually someone that has a toxic relationship with money, has a blocked flow in their giving and receiving. One thing I know is the law of giving and receiving. There has to be a flow in your life of money or you will always struggle with it. If you hold onto it SO tight, you will loose it and never seems to have enough, always slipping through your fingers. If you always hand it away without any thought, you will always have the short end of the stick and people take advantage of you. There must be a balance in your life of giving and receiving. Do not take, take, take and do not just give, give, give.

Abundance follows Joy

Having abundance comes from heaven, for in that space nothing is lacking. It is always the best of the best. If you realize your abundance directly correlates with you living your joy and being authentic, you then realize the power to change lies with only with one person- you. We always need to point the finger at ourselves if we want something to change. Also, realizing it is not ALL on your shoulders helps too. I have written a post on the book called The power of the subconscious mind, this book will help you re-program your mind and change your relationship with money.

There is currency in Heaven

1 Peter 1:7- That the trial of your faith, being much more precious than of gold that perisheth, though it be tried with fire, might be found unto praise and honour and glory at the appearing of Jesus Christ:

Even though I do not believe there is “money” in heaven, there is a currency we can trade with for things. Here is says: the trial of our faith is more precious than gold. Faith is already a gift from God, and as it gets tried and becomes stronger and stronger we can trade that back into heaven for other things we need. There is always a giving and receiving with heaven as well. You can trade and give up something like food for a day, bad habits, your time and your agency for things of a better from heaven.

Back to Basics

OK finally, onto the printable sheets! It always helps, at least for me, to see something physical and in writing. To see it right in front of me. This is the basics: this sheet will help you see the money you have coming IN vs the money you have coming OUT. You can see it plain and simple. Then you can come up with a plan to BALANCE the two sides.

  1. The first sheet goes through and gives you ideas of what you might need to include in your monthly bills. There is an explanation and ideas given of what might go in the needs vs wants sections. And then after seeing your totals, there are some questions to ask yourself, to help you come up with a plan to get the two sides into balance. Here is the sheet: Monthly Bill Plan Explanation. 
  2. The second sheet is the one you want to email to your local copy store. Ask them the print it and laminate it in THICK laminate so that you can use it for a long time and it will not be flimsy. This cost me $3.50, no big deal right?! Then you get a fine tip dry erase marker and get to work! Here is the sheet: My Monthly Bill Plan.
Debit Card, Credit Cards and Checks

Lets have a little excerpt on the differences between credit cards, debit cards and the pros and cons of each. Knowing some key things can make a huge difference in making your life easier or more difficult. Credit cards can be a blessing or detriment depending on your knowledge of using them. So lets start:

Debit Cards

This card is simply a piece of plastic instead of carrying all your cash. Writing a check is the same thing as using your debit card, except that it is faster and you do not hold up the lines. Both ways do not build credit and depending on your account, you can not use more than you have of hard cold cash in your account. You deposit your money in your account and then simply use the card to take out the money when you purchase. There are no rewards with these cards, and when your money is gone your card will no longer work. So do not forget to keep making those deposits 🙂

Credit Cards

A credit card is given based on qualification and your credit score. Also looked at is how much income you have coming in. You are given what is called a line of credit. This credit card is not based off of money you already have or “hard cold cash” but essentially is borrowed money from the bank. This means that if not paid back, you will pay interest for your borrowing of the bank money and usually that is 18-25% of what you borrowed. This is wasted money on your end and should be avoided.

If the money is not paid back at all, and your can not make payments, your name is sent to the creditors for collection. Your credit score to your name is also ruined. If you still can not pay, you will have to claim bankruptcy which will forever be on your credit score. This is the dreaded curse of credit cards.

There is way to avoid credit cards being a curse, and turn them into a blessing. Here are a few tips to follow:

Your credit score is how you are able to take out loans. Loans to buy a home later in life, qualify for rent, buy a car and bigger things like that. If you do not have a good credit score you can not qualify for these things. Your credit score should be between 750 to 800+ to be considered good credit. This way you can qualify for loans and have lower interest rates. Your credit score is something you want to build, not destroy, and it will help you.

Credit Card tips:

1.Always pay off the FULL amount owed. They will tell you, you only owe a “minimum balance” and you do only owe that. But do not pay it. They do this so that they can get more money from you and so they can charge you interest! Your main thing to understand and do with credit cards is: do not spend more than you have.

Lets do an example:

If you have a credit card with a limit of 5,000, that means you can not go above that, but if you do not have $5,000 to pay it ALL off in a month then do not spend that much. Only spend what you can pay off in FULL in one month. If you use $500 of the $5,000, you now have a limit of $4,500 to use. Once you pay off that $500 in a month, your credit limit goes back to $5,000. If you can not pay off the full $500 used the will charge you interest of that $500. If your interest is 18% that means you pay $90 to them just for using their money. That is $90 more dollars of your own money that could have been used for something else.

2. Get a credit card with rewards. I get back anywhere between $500 a year from what I spend on my credit card. That is free money! There are other options like: miles for free flights, hotels, gift cards etc. Pick one that will best benefit you.

3. Use as cash. Any bills you would pay in cash with your hard earned money, put it on a credit card instead and then use the cash to pay off the FULL credit card. This way you build your credit score, earn free stuff, and do not have to carry around all the cash. Do not think a credit card is “free” money and you can use as much as you want. See it just like cash.

Hope this helps bless your life and make it easier! Shifting into being able to have a good relationship with money, will help you be on your way to living a High Vibe Life.

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Welcome, I am Leticia. I am a professional wellness designer. Education and learning are my passions, in my free time I love to create and make family lives better and healthier. Lets create a world with less unnecessary suffering and elevate the health of the world together. Read More…

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QUOTE OF THE MONTH

The Universe does not respond to manipulation- the Universe responds to Love. Love is Divine Power.

START IN 3 STEPS

STEP ONE: MAKE A SWITCH


STEP TWO: CHANGE YOUR MUSIC


STEP THREE: USE AN OIL

Welcome

Welcome, I am Leticia. I am a professional wellness designer. Education and learning are my passions, in my free time I love to create and make family lives better and healthier. Lets create a world with less unnecessary suffering and elevate the health of the world together. Read More…

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🌿 Augula & chopped iceberg lettuce. 🥑Diced a 🌿 Augula & chopped iceberg lettuce.
🥑Diced avacado. 
🍊 Slice & dice Cara Cara orange.
🍅 Add diced tomato 
🥒cucumber
🍐& pear
🧅 Dice small red onion or shallot.

VARIATIONS: pomegranate seeds, Italian parsley, micro greens. 

Drizzle olive oil and balsamic glaze with fresh cracked pepper & salt.
Sunburned and beet red Monday browned and peeling Sunburned and beet red Monday browned and peeling Thursday 😅and it was terrible getting my hair straight for these and it didn’t last long lol. I could never do my hair straight if we lived there!! Family pictures 2023 👊 thank you @saltycures for the easy 30 min on the beach so glad we did these while we were there! @officialyosamo
(Did you catch my last post on Testosterone Excess (Did you catch my last post on Testosterone Excess?)

Let’s talk about the signs of Testoserone DEFICIENCY.

Watch for…
💙Loss of sexual function and lowered libido
💙Low energy levels/fatigue
💙Depression
💙Low weight, muscular atrophy/wasting, and generalized weakness
💙Loss of bodily hair 
💙Male breast growth
💙Infertility
💙Shrinking and softening of the testicles
💙Softness to the voice
💙Swollen/tender prostate gland

💌If you think you might have unbalanced hormones, and would like some guidance, feel free to contact me and we’ll figure it out together!
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#hormonehealth #menshealth #testosterone #testeronehealth #balancedhormones
Signs of Testosterone Excess… I haven’t forgo Signs of Testosterone Excess…

I haven’t forgotten about the men, they experience unbalanced hormones too!

Watch for:
💚Oily acne from testosterone thickening the skin and increasing sebum secretions.
💚Insomnia and difficulty sleeping, nervousness, headaches, head hair loss but increase body hair. 
💚Increase in LDL (bad fat), reduced HDL (good fat), stiff low back, persistent erections. 
💚Overall emotions leading to anger, frustration, irritability, and excess sexual energy.
💚This excess puts stress on the liver, which has to detoxify these hormones. 

❗DO NOT self medicate with drugs and alcohol for your stress levels. This puts further strain on the liver.  

💌If you think you might have unbalanced hormones, and would like some guidance, feel free to contact me and we’ll figure it out together!
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#hormonehealth #menshealth #testosterone #testeronehealth #balancedhormones
Have you ever wondered if your adrenals are shot? Have you ever wondered if your adrenals are shot? 

Adrenal deficiency means the adrenals have worked too hard and too fast for way too long. NOTE: It takes a long time for adrenals to crash and most of the time people have nervous system burnout (low fat and cholesterol numbers, dryness, no energy) before their adrenals are totally wiped. 

➡️Increase your: Omegas, Coconut oil and Ghee

🌱HERBS: Blue Vervain (Verbena hastata), Burdock (Arctium lappa), Angelica (Angelica spp.), Licorice (Glycyrrhiza glabra) (❌Do not use licorice with high blood pressure.)

*Massage sandalwood essential oil with warm sesame oil on kidneys.

💌If you think you might have unbalanced hormones, and would like some guidance, feel free to contact me!
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#hormonehealth #adrenalhealth #adrenals #balancehormones #womenshealth
Want a lovely medley of flavors salad 🥗 idea? Want a lovely medley of flavors salad 🥗 idea? 

Dice small a red onion 🧅 or shallot & put first in bottom of bowl.
Slice an orange 🍊 place on top.
Top with arugula & chopped iceberg lettuce.
Add diced tomato 🍅 cucumber 🥒 pear 🍐 
Drizzle olive oil and balsamic glaze with fresh cracked pepper & salt.
Do you have friends & family with birthdays coming Do you have friends & family with birthdays coming up?? It’s a big season for my family 🥳TAG your favorite Taurus ♉️ and let them read how awesome they are.
•So what is a TAURUS about?! Taurus season is from April 21 to May 21. It rules over the neck, throat, vocal cords, thyroid, lymph’s in the neck, tonsils, ears and upper back area. This is where sickness & stress will tend to hit you when you get out of
b a l a n c e; the areas to pay special attention to. Having all options of throat remedies on hand is a very good idea.
•Taurus individuals are about stability & consistency. As the sign of Peace in the Zodiac and ruled by Venus- the planet of Love, they are the foodies of the zodiac and very loyal people. They value loyalty in a relationship the most & are very grounded & practical. Taurus have a strong sense of personal values, with a reliable, industrious and consistent temperament. Taurus also represents physical possessions, and feelings of self worth and self-assurance. They are kind, gentle, humble and loving. And they can be gifted in music with it being the key in their healing.
•When out of balance emotionally/mentally a Taurus will tend to greed, stubbornness, and inflexibility, possessiveness and jealousy- these are all signs of a rigid state of mind. It’s hard for them to see outside of the box. This can lead to poor self image & low self-esteem & can lead to potential eating disorders. They mistake the seeking of inner peace & security by outer attainment of possessions, food, money, cars houses etc
•Instead bring balance with sound & NATURE. As the first earth sign in the zodiac, it is very important for them to be directly connected to nature. Forest bathing can make your trip into the mountains a more mindful experience & one that reminds you of a simple truth: nothing is ever stagnant. Change is constant. Hearing all of the sounds of the forest can bring you back to yourself & bring you the peace you seek inside. Singing can help clear up & harmonize your throat area & sound therapy is a good healing modality as well.
•Studies have been done showing that Taurus is one of the longest live signs because their vitality burns low & slow!
Do want to feel healthy and vibrant? It can be har Do want to feel healthy and vibrant? It can be hard to know which hormones are connected to which symptoms and how to balance them but I’m here to help you get started. 

(Make sure to check out my previous posts on Progesterone and Estrogen).

➡️Adrenal Excess leads to:

🧡Impaired digestive function (breaking down of food, absorbing and ulizitzing nutrients). 
🧡Constriction of circulation (increase of blood pressure and irregular heartbeat). 
🧡Dryness in skin or lungs etc...
🧡Shaky, nervousness, excess thinking in the mind
🧡Sweating
🧡Infertility.  

🌱HERBS: Hops (Humulus lupulus), Skullcap (Scutellaria lateriflora), Blue Vervain (Verbena hastata), Motherwort (Leonurus cardiaca), Lemon Balm (Melissa officinalis) 

*Massage sandalwood essential oil with warm sesame oil on kidneys.  

💌If you think you might have unbalanced hormones, and would like some guidance, feel free to contact me!
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#hormonehealth #adrenalhealth #adrenals #balancehormones #womenshealth
7 Signs of Estrogen Deficiency: *VIDEO explanatio 7 Signs of Estrogen Deficiency: 
*VIDEO explanation in stories* under Hormone Balance 
🤍Very low levels of fat (no this is not good), 
🤍Not feeling well during ovulation in the middle of your cycle (which is longer than 14 days. 
🤍Dryness of mucosal membranes
🤍Bones break easily because they are weak/brittle. 
🤍Flow can be scanty or excessive
🤍Spontaneous bruising 
🤍Hot flashes/night sweats
➡️What is needed is a balance of the varicose and subcutaneous fat in the body- upping the HDL and good fats in the body. 
🌱HERBS: Black Cohosh (Cimicifuga racemosa), Angelica or Dong Quai (Angelica sinensis or archangelica)
💌If you think you might have unbalanced hormones, and would like some guidance, feel free to contact me!
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#holistichealth #holistichealthcare #holistichealthandwellness #holistichealthtips #holisticcommunity #holistichealthfoods #holistichealing #holisticliving #holistichealer #holisticlife #holisticcoach #healthyliving #healthylivingtips #healthylivinginsideandout  #holisticcounselling #holisticnutrition #wellnesstips #wellnessadvocate #wellnesslife #naturalwellness #wellnessblog #wellnessproducts #wellnessinfluencer #wellnessforlife #wellnesstip #hormonehealth #estrogen  #instagramwellness
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