7 Budgeting Mistakes to Avoid


budgeting

Budgeting is crucial to efficient and effective financial management. When we don’t budget, we end up either squandering money or missing out on paying for important and/or time sensitive transactions.

Note that the lack of budgeting is the very reason why the poor remain poor–because they don’t take time to think about what they want and research on how much it will cost.

The question is, how will you know what to spend your money on if you don’t budget? Remember that there is more to living than paying bills. Therefore, take control of your finances and establish budgeting as a mandatory act.

Below are 7 budgeting mistakes to avoid.

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Mistake 1:

When you don’t stick to your savings plan, or when you don’t have a savings plan. In order to achieve financial freedom putting away money as savings to either invest or fall back on in hard times, should be part of the game plan. If you don’t budget for your savings, you are basically rendering yourself vulnerable for financial disaster.

Mistake 2:

When you don’t update your budget plan:

It’s important to update your spending plan so that you are aware of what’s going on periodically. Get a note book, or download an app on your phone (www.everyDollar.com is a good one)) and use these tools to periodically update your budget.

Mistake 3:

When you underestimate or overestimate how much you spend: To avoid this mistake evaluate your previous month’s expenses to use as reference for your spending patterns.

Mistake 4:

When you don’t have a budget: When you don’t have a budget how will you know much to save or what to spend on?

Mistake 5:

When you don’t communicate with your spouse or people in your household about your budget standards: This applies if you have a family. You need to let your spouse know about your budgeting plans so that they spend within its limits.

Mistake 6:

When you only budget once in a while: You have to be consistent with your budget plans. It is an ongoing process, and the good news is that it gets easier with time.

Mistake 7:

Lack of budgeting before your payday: Getting money before you create a spending plan can be dangerous.  Note that by the time you create the plan, half the money will be gone on expenses that can not wait for you to decide whether you need a budget or not.

Note that budgeting is a healthy financial habit that you should embrace. Doing it right will make all the difference, and having a success infused mindset is the starting point.

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Looking to get more organized with your life and finances, check out my book, Do Not Force It, Tap The Good

Tap The Good

Dr. Jacinta Mpalyenkana, PHD, MBA is a counselor, transformational coach, corporate trainer, published author and professional speaker. For more about her, please check out http://www.tapthegood.com

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The Only Competition there is, is with YOU!


Beloved soul,

Know that you are enough, and can never compete with anyone. You are unique, and there’s only one you with your blue print. So, focus on making yourself the best you. Don’t try to compete with anyone. Compete with yourself. Be better today than you were yesterday. Even when you are in a competitive setting, focus on expressing yourself the best way you can. The rest will work out itself.

In this VIDEO, I share an empowerment message with the preceding content as the theme.

Link to the video – https://youtu.be/Y0Mjku0GUb4

Love and light

Remember, March 1st, is Global Worry-Free Day.

Coaching with Jacinta – http://www.tapthegood.com/coaching/

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Professional speaking services – http://www.tapthegood.com/speaking/

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Celebrate Yourself – An Inspirational Holiday-season Message


 

Pardon my error, it is 12/24/2017 and not 12/24/2018, like I indicate in the video. I guess, I’m living fast forward. 🙂

In this audio recording, I share my take on what a holiday season and especially Christmas, could be redefined by each of us in order to create individualized experiences that do not only rekindle our spirits, but also contribute to humanity and the environment, rather than take from it continuously without considering the consequences.

Link to video – https://youtu.be/wqZmTUgki1o

Sending you warm greetings, and God’s love and light.

http://www.tapthegood.com

10 Actions That are Guaranteed to Keep you Broke and a Failure


It wont work out

I know that most people tend to focus on the actions or behaviors that have been proven to help others achieve success. But it is also important to identify the actions that are known to keep people broke or as failures.

Embrace failure (2)

In this VIDEO, I share 10 actions that are known to keep anyone broke if they are persistent with them. I invite you to identify these actions so that you can avoid them.

Link to Video – https://youtu.be/tcWGgHyI3r0

 

This is article was written by Dr. Jacinta Mpalyenkana, Ph.D., MBA, who is a counselor, Transformational Coach, author, and professional speaker. For more about her, please check out her website at http://www.tapthegood.com.

Looking for a good book to read, please visit this link – http://www.tapthegood.com/books/

 

Have Faith – Based on a Powerful Inspirational Story – Audio Recording


In this week’s inspirational blog, I share a story about having faith. Faith, in my opinion is that consistent profound, soothing inner state, that convinces us that everything will be okay. We all need faith to inspire our confidence and help us push forward regardless of the obstacles that we may be facing.

In this audio recording, I share the story. Please send the audio link to anyone who might need it.

Link to audio – https://youtu.be/ABGBurvxmvw

In the interim, I’m sending you God’s love and light.

Want to read a good book that will inspire fear to take a hike out of your system? Check out my book – Do Not Force it, Tap The Good: How to Develop a Profound Positive Mindset, and Live Life on Your Terms.

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**Inspirational story borrowed from http://www.inspire21.com

Jacinta Mpalyenkana, PH.D., MBA, is a Spiritual Counselor, transformational coach, Author, and Professional Speaker. To learn more about her, please visit her website at http://www.tapthegood.com

10 Proven ways to Cleanse Your Space From Stuck/Negative Energy


Many times, when we enter a room in our house/office, we might sense discomfort or experience body chills. This might be an indication that the room has stuck energy. Some people are so sensitive to this type of energy that when they access it in a room, they could get a headache or feel sick. At times, one might not even feel anything but could get an instant belief that the room is infected by some sort of stuck energy. I happen to experience all the above on different occasions.

clutter

Now, what’s stuck energy, and how is it created in a room?

Stuck energy is energy that is not flowing as it should. As you might know, everything is energy. Some of the causes of stuck energy are; a disorganized or dirty room; a room with trash; a room with boxes or other things close to the door(s)/window(s); a room where big arguments/fights or crying have happened.

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How does stuck energy affect you?

This type of space affects our own energies, because our environments have a way of affecting our moods/energy flow and overall health. For instance, imagine being in a smelly room for a certain period of time, and when you leave the room, you continue smelling it.

Furthermore, if this room is your working space/office, stuck energy will affect the energetic flow of money, i.e. prevent or reduce the number of clients coming in. If it’s your bedroom, you might have problems falling asleep–or even have nightmares.

negative-energy-and-its-effect

How do you cleanse your space?

  1. Remove all clutter
  2. Organize the room and create space at the entrance, and windows.
  3. Open the windows/doors for at least 2 hours to let the stuck air out.
  4. Lighten up the room by opening the blinds or curtains. Let light come in.
  5. Burn a white and black candle. (Explanations of what these two candles can do for your space and mind, can be found at http://psychiclibrary.com/beyondBooks/color-therapy-with-candles/)
  6. Burn sage and blow the smoke in all corners of your space. You can also call arch-angel Michael, Jesus or any other angels to help you with the process.
  7. Put a teaspoon of sea salt in a spray bottle filled with water, and spray all over the room with an intention to cleanse the room.
  8. Put 10 to 15 drops of Peppermint oil in a spray bottle filled with water and spare all over the room. If it’s your bedroom, also spray on the bed and under it.
  9. Pour 3 to 5 spoons of rubbing alcohol on sea salt placed on a saucer. Lighten up the mixture with a lighter. When the mixture starts bringing out smoke, put out the fire and then walk around the room/house while holding an intention in your mind to cleanse the space. (Remember to wear gloves to protect yourself from the heat that can be transmitted from the hot salt)
  10. Place a glass, or an open bowl filled with water in your room for 24 hours. Hold an intention that you are directing all the negative/stuck energy into the water. (You can also place the glass or bowl of water under your bed if it’s your bedroom that’s affected) After 24 hours, pour the water in the toilet as you affirm; “I’m now flashing all the negative in this water from this space.”

You can utilize one, any, or all the above tools to cleanse your space. Remember to hold an intention in your mind during the process.

In need of a Transformational coach, and Reiki Master? I will partner with you to achieve emotional freedom, and together we shall cleanse your mind, body, spirit and space–so that you can live life on your terms? Send me an email at author@tapthegood.com.

Love and light

Dr. Jacinta Mpalyenkana, Ph.D. MBA

http://www.tapthegood.com

 

 

You are More Powerful Than You Think


In this audio recording, I share a powerful and proven tip to help you disorient worry. The psychological tip will help you face up to your challenges and focus on what you want.

Link to video – https://youtu.be/0dl-rhzBgOY

Please remember the Global Worry-free day, March 1st, 2017. 7.00a.m to 7.00pm in your time zone. Please spread the word.

Love and light

Your Life Transformational coach – helping you achieve emotional freedom and live life on your terms.

http://www.tapthegood.com