Holistic Path

1. Clear The Clutter
Clutter hinders creativity
eg. trying to paint a beautiful picture on a canvas that has scribbles on it

• Memorabilia- keep sampling, not all!
• Throw
  -clothes you don't wear
  -expired stuff
• Make a
  -monthly commitment- 30 mins
  -daily commitment- 5 mins
• 5 min rule
• File it, don't pile it!

2. Maximise Your Minutes

• Prioritise
• PDA to plan...
• Say "No"
  "Yes" will bring your more friends. "No" will keep you sane.
• Set time for
  -clutter clearing
  -DIY
  -prepare meals in advance
  -other money saving efforts

Realistic Planner
Arise by: _________
Pray: ______ to _____
Exercise: ____ to _____
Tasks to be completed (or started today)

1. xx
2. xx
3. x
5. (no more than 5, let's be realistic)

Chores to be done: _________
Recreation: _________________
Go to bed by: _______________---

3. Improve Your Image
Are you qualified to serve in the king's palace?

• good grammar/diction
• well groomed/poise
• knowledgable
• healthy and energetic

4. Eat Economically

• make shopping list and keep it with you
• cook in bulk- freezer bags (don't just cook, cook in bulk)
• Ask for doggie bag (makes 2 meals!)
• For family: treat yourself to eating out once a week, cook food that are normally expensive to eat out, eg pasta, korean

5. Cease comparing a.k.a Don't KUWTJ

Studies show ppl who live beneath their financial means have longer and more fulfilling lives
-> Contentment

6. Put Off Procrastination
"Don't put off until tomorrow what you can do today"
Life is too short to get stuck in analysis paralysis

Get started. Everything does not have to be perfect the first time around

No "I shoulds".

7. Write Down Your Vision

• Short term goal
• Long term goal
• Save $xxxx by _____
• Buy a piano by _____
• Get a diploma by _____
• Be specific, no "someday"s

8. Pare Your Presents

What statement are ou trying to make with your gift? Living a lie by implying you can afford? To gain favour?
Simple, from the heart, DIY
If a person can't appreciate gift unless expensive, then screw that person, not worth friendship

9. Eliminate Emotional Spending

Anger
If you peel the onion of why you are angry, at the core you will find that you're angry with yourself for tolerating someone's bad behaviour, not speaking up, putting yourself at risk.
Counsel/confront yourself and forgive and understand yourself

Depression
You're not the centre of the world. Do something for someone. Take the spotlight off yourself, you'll feel better.

10. Ponder Your Purchases

No impulsive buying especially if you:

• esp if you will go back to the place again soon
• another matter if you don't go there often, then grab opportunity if you really like it, eg on vacation, different part of town, else you'll regret, "should've"

Read the fine print, consider consequences, is the offer genuine, any catch?

Any unwanted long term commitments?

Just because hot deal, clearance sale, doesn't mean you must buy. Do you need it? Will you use it?

11. Ask for What You Want
(The worst that could happen, they say NO)

Don't retreat at the first hint of resistance. Don't think you don't deserve favourable treatment

CONTENTMENT

Gratefulness diary
Count your blessings - family and friends
- necessities
-job
-occasional treats