CategoryFinance And Investment

4 Instant Hacks To Stop Burning As Much Money & Boost Your Business’ Cash Flow

MISTAKE 1: NOT LINKING YOUR BANK TO XERO

Why?

You could potentially miss when a customer pays, or worse not notice if they don’t pay, and may run into cash issues using old data, rather than real time up to date information.

What to do:

Imagine logging into an app every day which has pulled in the bank transactions from your online banking system. This means you can immediately match payments in and out of your bank to your customer invoices and any payments due to suppliers such as hosting costs, contractors etc. Xero Touch operates on IoS and Android and provides a real time hand held update on your business finances, meaning you can be anywhere in the world and never be in the dark.

MISTAKE 2: NOT BILLING YOUR CUSTOMERS ON TIME

Why?

There is nothing worse than doing the work, getting side-tracked with the next job and forgetting to bill for the first job. This can cause cash flow issues if it extends into more and more jobs, yet too often we find people are literally too busy with the work to action this.

What to do:

1) For one-off projects, when agreeing on the initial fee for the job create a quote on Xero which you can then turn into an invoice at the touch of a button when the work is done; and

2) For retainer jobs or repeat, subscription income create a repeating invoice on Xero which means the invoice gets issued each month until you tell it to stop. As an example, our invoices go out on the 1st of each month while we are sleeping!

MISTAKE 3: NOT SENDING YOUR INVOICES TO THE RIGHT PERSON

Why?

If your customers are small businesses, this won’t be a big issue as the person you agree to do the work for will likely also pay the bills. Imagine, however, that you are dealing with much larger firms, with multiple sites, multiple departments and running bureaucracy crazy processes. If you don’t get the invoice to the right person and department it simply won’t be paid when you need it to be.

What to do:

When the fee is agreed with your contact get details on how the invoice will be paid, specifically finding out if the invoice needs a reference for their system (e.g. a purchase order) and the details of who the invoice should be emailed to (never post An invoice when it can be emailed!). Then email the invoice from Xero to your contact and the payments department and attach all the backup to the invoice when sending.

MISTAKE 4: NOT MAKING IT EASY TO PAY THE INVOICE Why?

Your customers are busy people just the same as you. What would you do if you received an invoice without bank details on it? You would procrastinate unintentionally and say, “I must check up on that” while never doing so as a million other things come in.

What to do:

Xero now allows you to insert a “pay now” link on your invoice. So, when the email is received (see Mistake 3 – never issue an email other than by email), the recipient can see the backup to the invoice and an extremely handy button which allows them to literally pay within a few clicks. Imagine being paid within an hour or so of the invoice going out! We recommend you set-up a PayPal or Stripe account for credit card payments and GoCardless for bank transfers to offer as much choice as possible.


Construction Bonds Establishing Secure Connections

This construction bond is the title given to a kind of surety bond that has been made to come into use by investors in projects related to construction. This step has mostly been taken to provide a certain kind of protection against a very severe kind of event taking place that can cause a certain kind of hindrance or failure in the completion of the project, the reason behind it being the insolvency of the builders or the inefficiency of the job to meet ends with the specifications of the contract.

Usually you will notice the existence of three kinds of parties in a construction bond, namely they are the party that has a hand behind the building of the project, the eventual owners and then finally you have the surety company that has got the back of the bond.

As for the types, this kind of bond contains three types; let us have a look at the list:

• THE BID BONDS

In situations where as the expected honor and respect for the bid by the principal which in this case might be the contractor is not met, this bid bond comes into the picture where it provides protection to the owner of the project. The obligee held under the existence of this bond in this case is the owner and he absolutely has the rights to sue the surety and the principal if he wills to in order to establish the enforcement of the bond. In case the principal refuses to extend any kind of honor to the concerned bid, then he takes the responsibility of being liable for any kind of additional costs that might surface.

• THE PERFORMANCE BONDS

This performance bond is used to provide a kind of assurance or rather guarantee by the contractor or the principal. This guarantee talks about the completion of the contract in full accordance with its respective terms. IF under any circumstances, the principal is seen to be facing defaults, the owner holds the right of calling upon the surety to ensure that the contract meets its completion. In that case, the surety will have no other choice but to hand over the contract to a new designated contractor.

• THE PAYMENT BONDS

This is the kind you head to when you need all your payments to be guaranteed, the payments that have been lying under the due tag to subcontractors and some other from the mentioned principal. The subcontractors and the suppliers are the ones who qualify as the beneficiaries for the payment bond. This bond proves to be of a tremendous benefit to the owner especially, the reason being that it comes as a substitute to the mechanic’s liens as a non-payment remedy.


The Islamic Banking Model

The origin of Islamic banking dates to the very beginning of Islam in the seventh century. The prophet Muhammad’s first wife, Khadija, was a merchant, and he acted as an agent for her business, using many of the same principles used in contemporary Islamic banking. In the Middle Ages, trade and business activity in the Muslim world relied on Islamic banking principles, and these ideas spread throughout Spain, the Mediterranean and the Baltic States, arguably providing some of the basis for western banking principles. In the 1960s to the 1970s, Islamic banking resurfaced in the modern world.

This banking system is based on the principles of Islamic law, also referred to as Sharia law, and guided by Islamic economics. The two basic principles are the sharing of profit and loss and the prohibition of the collection and payment of interest by lenders and investors. Islamic banks neither charge nor pay interest in a conventional way where the payment of interest is set in advance and viewed as the predetermined price of credit or the reward for money deposited. Islamic law accepts the capital reward for loan providers only on a profit- and loss-sharing basis, working on the principle of variable return connected to the actual productivity and performances of the financed project and the real economy. Another important aspect is its entrepreneurial feature. The system is focused not only on financial expansion but also on physical expansion of economic production and services. In practice, there is a higher concentrated on investment activities such as equity financing, trade financing and real estate investments. Since this system of banking is grounded in Islamic principles, all the undertakings of the banks follow Islamic morals. Therefore, it could be said that financial transactions within Islamic banking are a culturally distinct form of ethical investing. For example, investments involving alcohol, gambling, pork, etc. are prohibited.

For the last four decades, the Islamic banking system has experienced a tremendous evolution from a small niche visible only in Islamic countries to a profitable, dynamic and resilient competitor at an international level. Their size around the world was estimated to be close to $850 billion at the end of 2008 and is expected to grow by around 15 percent annually. While system of banking remains the main component of the Islamic financial system, the other elements, such as Takaful (Islamic insurance companies), mutual funds and Sukuk (Islamic bonds and financial certificates), have witnessed strong global growth, too. Per a reliable estimate, the Islamic financial industry now amounts to over $1 trillion. Moreover, the opportunity for growth in this sector is considerable. It is estimated that the system could double in size within a decade if the past performances are continued in the future.


Fully Maintained Novated Lease Vs Non-Maintained Novated Lease

Novated lease is considered as a financially productive way in securing yourself your dream car. There are two types of novated lease. A fully maintained lease and a non-maintained lease. Both leasing options allows you to get the car that you want through salary sacrifice and with tax benefits. However, one is more financially rewarding compared to the other. Let us differentiate the two through this article.

What is a fully maintained lease?

Fully maintained novated leases were designed with an easy life for a driver in mind. In this contract, a pre-determined amount is deducted from your wages before tax in each pay cycle to cover for the lease expense as well as the operating cost of your vehicle as well as any FBT payable.

The operating expenses that is included in your lease pay is reviewed in regular intervals to be able to be in a balanced amount. If your vehicle is costing more to operate than expected, you will be expected to add a top-up on your leasing account to meet the shortfall. On the other hand, if what is being deducted to your salary as operating expense exceeds your actual expenses, you will be reimbursed with the excess funds.

A fully lease also includes several day-to-day inclusions that can help you save more in the process.

You can basically fill up with a fuel card. Simply presenting your card to participating service stations allows you to quickly purchase fuel without having to shell out cash from your pocket.

You can call for help through a 24-hour roadside assistance to help you in case of a dead battery, flat tire or even something more serious.
High maintenance anxiety can be avoided. Maintenance of your car is paid from the funds that already deposited into your salary packaging account that ensures you to receive pre-negotiated discounts on labor and parts costs that are in line with the manufacturer’s recommendation.

Life becomes even easier with a fully maintained novated lease.

What is a non-maintained lease?

Meanwhile on a non-maintained novated lease, a pre-determined amount is being deducted from the wages each pay cycle to cover for the least costs of your vehicle and any other FBT payable. Compared to a fully-maintained novated lease, you only pay for service and maintenance costs only when they occur. This plan allows you to enjoy tax benefits while paying for your car, through salary packaging, while giving you full control of your service fee, maintenance and other operating expenses.


5 Things to Consider While Selecting a Financial Planner

Unlike someone calling himself a CPA or a physician, just about anyone can call himself a “financial planner” or a “financial advisor” regardless of their educational background and professional experience. Moreover, not all of them are unbiased in their advice and not all of them always act in their clients’ best interests.

To ensure your financial planner is well-qualified in personal finances and impartial in his advice, consider the following five things:

1. Planning Credentials: Having a highly-regarded credential in financial planning, such as Certified Financial Planner (CFP) or Personal Financial Specialist (PFS), confirms that the professional you intend to work with has acquired the education and experience necessary to serve as a financial planner. CFP and PFS credentials are awarded to only those individuals who have met the certification requirements of education and experience in planning for personal finances. In addition, they have to pass the certification examinations and agree adhere to the practice standards and continuing education requirements.

2. Subject Matter Expertise: Financial planners are planning professionals, not necessarily subject matter experts. For example, a financial planner will be skilled in tax analysis and planning,but unlike a Certified Public Account (CPA) or an IRS Enrolled Agent (EA) he might not necessarily be a subject matter expert when it comes to tax rules Similarly,a he could be skilled in chalking out an investment plan, but unlike a Chartered Financial Analyst (CFA) he may not be an authority in the subject of investments. Work with a financial planner who is also a subject matter expert in those areas of personal finance that are important in achieving your financial goals.

3. Client Specialization: Not all financial planners serve all types of clients. Most specialize in serving only certain types of clients with specific profiles. For example, a personal planner may build his expertise and customize his services to serve only those individuals and families who are in certain professions, or a particular stage of life with specific financial goals and net worth. Ask whether the planner specializes in serving only certain types of clients with specific profiles to determine whether he is the right fit for your situation and financial goals.

4. Fee structure: The fee structure largely determines whose interests he serves best – his client’s or his own. A Fee-Only professional charges only fees for their advice whereas a Fee-Based professional not only charges fees but also earns commissions, referral fees and other financial incentives on the products and solutions they recommend for you. Consequently, the advice from a fee-only one is more likely to be unbiased and in your best interests than the advice from a fee-based financial planner. Work with a professional whose fee structure is conflict-free and aligned to benefit you.

5. Availability: He or she should be regularly available, attentive, and accessible to you. Ask the planner how many clients he currently serves and the maximum number of clients he is planning to serve in the future regularly. This clients-to-planner ratio is one of the key factors in assessing your planner’s availability to you in the future. Also, ask which planning activities are typically performed by the planner and which ones are delegated to a para planner or other junior staff members. Lastly, make sure the planner is easily accessible via phone and email during normal business hours.

Once you have shortlisted a few well-qualified and unbiased financial planners in your local area, consult the ones who offer a FREE initial consultation first. During the initial consultation, assess the planner’s availability and any other professional attributes you are seeking in your financial planner.

Having a well-qualified and unbiased financial planner by your side is extremely important in your journey towards your financial goals. When searching for one, consider the planner’s professional credentials, client specialization, subject matter expertise, fee structure, and availability to select the right financial planner for your needs.


Stop Bad Financial Habits And Choose A Fresh Start

People are often influenced to give unsolicited advice to others about the easiest way to manage finances. Even though of the will make sense, the majority of these are very generic in general. You must exercise caution when you assemble a monetary strategy out from this information, though it’s important to create a precise and consistent plan.

Nevertheless, you happen to be still left together with the unanswered question. How would you prevent the decline of funds on stuff that are of no use, and yet approach managing your individual finances?

The Situation: A lot of people, including you, don’t fully understand how important it is to save cash with regard to their future. Figure out how to save first then spend, not the other way around. While this is superior to no savings in any way, it is definitely not the correct way to build an excellent savings plan.

Steps To Managing Your Individual Finances Well.

Listed here are some important tips that you can consider if you wish to reduce costs for the future. These techniques have helped a lot of people be successful at taking better proper care of their finances.

Put 20% Of The Earnings Into Savings

In case you are to be successful in the foreseeable future, carry out the opposite of just what the average person does. As opposed to saving whatever remains, save first and spend afterward. Even if you are expecting a reduced check than normal, be sure to save 20% out from each and every single check that you receive. Make sure to deposit this money once you receive money. You will have learned a vital lesson, and saving the amount of money than enables you to work your way down taking good care of everything, bills first.

Saving money assists you to create a healthy financial habit that will help you to budget your money efficiently for the rest of your way of life. You could possibly feel much less stressed about finances when you know that you have an urgent situation fund available.

Don’t Complicate Matters

It is obvious the iPhone 7 is great. Your buddies and colleagues have purchased it,but the iPhone 6 plus is one that you simply bought a few time ago. While many of these new gadgets are fun and exciting to have, you undoubtedly don’t need a new phone unless your old phone is dying. You must never buy it unless you really want an iPhone 7.

Can that new phone do something that your particular old model can’t do? It is essential to sometimes treat yourself with luxuries, just make sure this really is something great rather than some of those undesirable habits one does repeatedly. Additional money is the best money to pay, not the 20% you will be saving.

Cash Over Credit

Maybe you are from the opinion the charge cards in your wallet should be used, not hidden away. Often we start off with good intentions buying only small things likely to pay them off at the conclusion of every month. $50 here or $25 there can’t hurt, and you can always pay it off following the month. That brand of thinking gets people in trouble quickly, plus they rack up a pile of debt.

Using cash whenever you can will help you to curb this tendency. Don’t make use of credit card unless it’s a crisis situation. Alternatively, it is possible to change it out having a debit card, and that is a significantly better option!

Keep in mind that becoming a rock star at personal finance doesn’t have to be hard. It requires breaking undesirable habits and creating new, healthier ones.

Donna Gain is a well respected home based business owner herself for over 15 years. She has been in several different home based business helping others grow with herself the solid foundation to having a successful business. To discover all the internet marketing keys to success you need to know to explode your business, and to claim your free copy of “How To Create Your First 6 Figure Month In Network Marketing,” click on the link above…


Best Tips to Avoid Squandering Your Inheritance

When you receive an inheritance, it is important to figure out what will you do with that money. If you do not plan properly on how to spend that money, it will slip out of your hand within no time. If you have already got the cash, or you are about to inherit the money, here are some five tips for using it properly.

Don’t Rush Your Decision

People generally do not allow the money for a cooling-off period, after receiving the cash. This is one of the worst mistakes that people usually do. They are always in a hurry of spending the money without thinking twice. You can save the money either in a money market account or savings for at least two months in order to plan your options. You can also put the money into a short-term deposit for saving it, because you have to pay penalty if you withdraw it before time.

Assess Where You Are

If you analyse your present financial situation, you can get an idea about your future move. You can plan to start a college fund for your children, add the money to your retirement savings or keep it as an emergency fund. Make a goal in life, so that you can achieve it with the help of your inheritance.

Be Realistic About Your Inheritance

A sudden chunk of money will you lead to towards a changed lifestyle. The things like a new car or a luxury vacation that you could not afford before will now seem to be very tempting. You have to be careful to control your temptation and save your money for future needs.

Establish Boundaries

It is evident that when you receive an inheritance, many people come with a try to have a share in the money. Bank or financial sales people may call you so that you invest your money in their products. You may also be asked to make a huge donation by any charitable organisation. So, it is very important to set boundaries and prepare yourself for saying no to the people.

Be Proactive

You may need some professional help to figure out how to save your inheritance. It is absolutely fine to hire a financial advisor, but do not make your decision solely as per his guidance. In the end, it will be you who will take the final decision. Do some research and set your goals before taking professional’s help.

Thus, though an inheritance is like a blessing to you, but along with it comes responsibility. Plan properly to make sure that your money lasts for a longer time.


The Future of Currency Is Digital

Would we be better off without paper money and coin? Some say yes, and some say no and the debate rages on. Government tax collectors would prefer only electronic or digital money – it’s easier to control and easier to keep taxpayers honest – but are those gains worth the drawbacks? I mean what’s wrong with cash – you can spend it anywhere, you can pay your babysitter, go to a garage sale, or stop at a lemonade stand – all of which are part of our underground economy by definition and harmless uses of transferring money.

Then there are the illegal things, no one uses digital money because it leaves a trace, so you cannot use it to buy things you are not allowed to buy or that someone else is not allowed to sell. Does it thus, make sense to get rid of the money that allows illegal transactions, shut down the entire underground economy and if we do, will our society and civilization be better or worse off for that solution? Let’s discuss this shall we?

Yes, a digital currency would be similar to regular currency and really we are almost there already anyway. If we go to “digital units” and change the paradigm to cover the needs of people who contribute who are not rewarded fairly now, then we will get more of what we reward, as is the famous axiom. A technocrat would enjoy this conversation and the thought of micro-managing the exact worth of every job, but technocrats are not so good at considering their own created unforeseen consequences as they pave the road to hell.

The reason humans use money now is simply because things and choices are more complicated than they were in the past when our species were only hunters, gatherers and traders. Let me explain; you see, if I make hammers and you need one, but you only have cattle, then you cannot cut off the tail of your cow to buy my hammer, so instead you give me $11 and you can sell your cow in the future for $1100 and give me the one-percent of it so you can build a new barn.

Money and currency is nothing more than units of trade thus, make things easier, that’s why it exists, but I do not like the bashing of currency, digital or otherwise, where many believe it is the root of all evil. I respectfully disagree. Please consider all this and think on it, as this topic does affect your life.


Power of Illusion, Illusion of Power

In my last articles I pointed out the fatal flaws of the current ruling paradigm; the paradigm of materialism rooted in dualistic thinking. Materialism not only fails to explain many essential aspects of our reality, but its logical structure also fails.

Materialism fails to explain past life recall, reincarnation, near death experience, telepathy, telekinesis and so forth… even though evidence for all these phenomena is well documented and statistically unassailable. Materialism fails to explain the origin of life on Earth, speciation, consciousness… and yet science is holding on to this false belief system, this illusion, seemingly at all cost.

Materialism also fails by internal logic; matter, considered fundamental by materialism, is convertible into energy and energy into matter. Nuclear energy and particle accelerators do this conversion every day, without doubt. If matter were truly fundamental, the ultimate basis of all existence, this conversion could not happen.

For matter to be converted into energy and for energy to be converted into matter there must be a common functioning principle through which the conversion occurs… and the CFP of matter/energy must by definition be more fundamental than either matter or energy. Matter and energy are the flip sides of a more fundamental CFP, whatever it may be.

The power of illusionary belief is immense; mainstream science is constrained by false belief, by illusion. The dogmas of materialist science are rooted in illusion; no evidence showing the failure of the prevailing paradigm or illusion is examined or even admitted to exist. The taboo against such investigation is too powerful for all but a few mavericks who investigate reality in spite of mainstream dogma.

History is filled with examples of the power of illusion; when the illusion that the Earth is flat prevailed, voyagers were afraid to travel out to sea because they would ‘fall off the edge’. When Galileo showed that the Earth is not at the center of the universe, the powers that be… in his case cardinals of the Catholic Church… refused to look through his telescope. Looking at the evidence was forbidden by taboo. Looking and seeing would have been an admission that their beliefs, aka illusions, were wrong.

Eventually all illusion is shattered; once the illusion of a flat earth vanished, sailors crossed the seas without any fear of ‘falling off the edge’. Once the illusion that the Earth is at the center of the universe vanished, science and cosmology progressed without hindrance.

The biggest illusion of all is the illusion of power. Specifically, real power is conflated with illusion of power. The US military is arguably the most powerful in the world. The destructive power inherent in the myriad guns, bullets, rockets, and bombs this military commands is beyond doubt. The illusion lies in the belief that a single man, the Commander in Chief, controls this awful power. The illusion is that hundreds of thousands of humans acts at the whim of one person; that the ‘chain of command’ represents real power.

The chain of command is an illusion, and has power only if and as long as the illusion remains intact. Mutinies, military stand-downs, revolutions, civil wars are all examples of shattered illusion. Once shattered, illusion loses power. Such is the fate of all illusion, even if extraordinary efforts are made by TPTB to maintain an illusion.

In the Soviet military, once considered the second greatest power on Earth, communist ‘commissars’ accompanied the troops… to make sure that orders were obeyed, that the illusions of Communism were upheld, at the pain of death. Indoctrination, brainwashing, threats are used to maintain the status quo, the ruling illusion… but eventually the illusion shatters, and the power of the illusion vanishes.

At this very moment in history we are witnessing the destruction and imminent breakup of the power of a major illusion. Ebola is a horrific affliction but it brings another illusion to the forefront. If Ebola truly goes ‘viral’, the illusion of the power of mainstream medicine will be shattered at a wondrous pace.

In a recent interview, an American doctor gave away the illusion, by pointing to its heart. Many other doctors see the truth, see through the illusion… see truth that is being withheld by ‘the powers that be’, with the excuse that ‘we must act to prevent panic’.

Another American doctor, just back from Sierra Leone, has shown that Ebola can be cured by a simple method of blood treatment using ozone. The ozonation of blood kills the Ebola virus, and helps to regulate the immune system. Immune system over reaction to viral invasion seems to be the proximate cause of symptoms and death; Ebola is an autoimmune disease.

The powers that be refuse to allow ozone treatment… because it is taboo, because it violates the current illusion that vaccination is the answer… and to be brutally frank; there is no wealth to be made using ozone therapy. Ozone is dirt cheap, vaccines are lucrative.

The reality is that ozone treatment is forbidden… at the pain of a doctor losing his license to practice. But this ‘license to practice’ is just a piece of paper. Who cares about a piece of paper if nasty, immanent death threatens? Even though many doctors still obey, others are ready to shatter the paradigm in spite of threats by ‘TPTB’. The threat of death by Ebola is stronger than the threat of losing the piece of paper.

Real power lies in the power to cure, not in the piece of paper. As the truth emerges that a cheap, safe, easy method to cure the horror of Ebola exists, and that some doctors are using this method to save lives, the power of truth will easily overcome illusion. The power of the medical establishment will shatter and scatter like chaff in the wind.

This brings us full circle to the most insidious, destructive illusion of all; the illusion that Government issued paper with numbers printed on it is money. This pernicious illusion underlies the power to control and manipulate the world economy to the benefit of the perpetrators, at the expense of the rest of humanity, the victims.

Enormous power lies in the illusion of Fiat ‘money’… but like all illusion, is subject to being shattered by truth. Once the illusion of the ‘faith and credit’ that purportedly backs Fiat currencies is destroyed, a new era of real money will emerge. Real money, Gold; not paper notes borrowed into existence without limit. Truth will replace the illusion and lies of Fiat.

Just as the power of a gun is real, but the power to command where the gun is aimed is an illusion, just as the power to cure disease is real but the license to cure is an illusion… so the power of Gold to extinguish debt is real but the power of Fiat is illusion.

Rudy J. Fritsch was born in Hungary in 1947, and fled Socialist tyranny during the Hungarian Revolution of 1956. His family had lived through WWII and the consequent Hungarian hyperinflation, thus he has intimate experience with monetary destruction.

A student of Austrian economics, he is Honorary Chairman of Fekete Research and holds a Masters Degree in monetary science from the New Austrian School of Economics.


Simplifying Lives Even in Little Ways

Simplifying our lives even in little ways can make a big difference because little changes can be accomplished quickly especially by giving more time and space so we can try other approaches to make our lives simple and uncomplicated. Living within our means is better than living beyond what we have.

Being contented with what with have is also another way of living simply. When we are appreciative and grateful for the good in our lives; we are likely to be more physically active, more content in our day-to-day lives and suffer less health problems. If our financial situation is less than ideal, we should understand and accept our current circumstances, limitations, strengths and weaknesses. Acceptance is the key to create a simpler life because if not, then we will be overshadowed by feelings of inadequacy, guilt and comparison.

Nobody is perfect. We have to embrace our strengths and weaknesses. But it doesn’t mean that we have to stop learning. We just have to move on and then accept that no matter what we have, we still have limitations either in personal or circumstances. There might be things that are not yet possible considering our situations but we should be proud of what we have achieved so far because we did out best to reach them.

We have to stop trying to reach success in the shortest time possible. We have to focus more on how to strive hard to achieve our goals rather than on the changes that we want to have in our lives.

We also have to clear up misunderstanding. If our mind is occupied by an uncomfortable conversation, argument, or misunderstanding; we should be the one to make the effort to resolve the conflict. In the end, it’s simpler.

Moreover, good health makes everything simpler. Calming our frantic mind and worried heart just by putting everything into writing. We’ll be surprised how seeing our thoughts in writing puts them into better perspective and provides clarity on what to do next.

Furthermore, living simply is getting rid of many of the things we do so we can spend time with people we love and do the things we love. However, simplicity isn’t always a simple process. Although, it doesn’t necessarily have to be difficult; we just have to be willing to shift our focus.

In fact, simplicity is a journey, not a destination. As we simplify our lives, we begin to see our real the essence. There is so much happiness in living a simpler life in which little things bring joy, improve our relationships and connections.