Everyone wants the secrets to saving money. I guess it’s your lucky day because today I am going to share with you the top 5 ways to save.

1.) Stop spending money on things you don’t need.

The first and most important thing to do is to stop spending!! You know you don’t need those new shoes, jewelry, and especially that new pristine BMW. Hey, you want to look good and impress some people, fine? Where are those people going to be when it matters? 

2.) Instead of going out stay in 

Get some beers, cook some food, or even order out. Have some friends over and have some fun. You’ll end up having more and spending less.

3.) Name brand alternatives 

It used to be that name brands were the way to go because of premium ingredients and premium quality, but as time has gone by alternative brands have come up and offered comparable products for bargain prices. 

4.) Shop around 

Unless you need something right that second, take some time and shop around. If your reading this, it means you’re are on some type of portable device. Whether that’s a phone, tablet, or computer. Use whatever method of your choice to check out what stores have a better deal on what you need. 

5.) Groupon or other coupons

Oh, wait you’re too good for coupons? Are you worried about other people’s opinions? If that’s the case, I don’t know what to tell you. If you’re really in a pinch. You gotta do what you gotta do. Even if you’re not, it’s still an excellent way to save some money and spend it on something else. 

Saving money does not have to be complicated, but it seems like every day we have that voice that tells us to buy. Knowing well that we don’t have the money. It’s always the case where we say, “I’ll figure it out.” Then payment time comes around, and we act like we can’t remember the purchase.  So, remember these wise words, “If you don’t need it. Don’t buy it.” 

The new year is here It’s all about those empty promises: Gyms are packed Diets get started A broken record on repeat… But this year is gonna be different Is it really?  

The start of something new

The new year is always a time when people think about changing their lives and doing a complete 360.There is nothing bad about that idea. But like always it’s an idea more than an action.   

Stop reaching for the skies.. reach for the ceiling first

Changing your lifestyle, habits, and anything else isn’t going to happen overnight. More than anything shooting for a goal that is highly unrealistic won’t do any good. Maybe instead of eating 4 slices of pizza eat 3If you are trying to save money start with a small amount every month or even every paycheck and increase the amount as time goes on 

The goal 

What’s your end goal?The goal should never be to make more money, to lose weight, to start a diet. You will fail as soon as you start. Those same principles should be having a job you enjoy, live a healthy lifestyle, or time management to be able to spend more time with family or friends.  At the end of the day if you try and live a healthy lifestyle you will end up losing the weight as well.

Staying on track

Stuff happens and nobody is perfect. Sometimes temptations are going to be there. That chocolate cake at the middle of the night might start talking to you. It’s all about enjoying life but also with balance. So enjoy the cake but stay focused on what you want to accomplish.  Starting a new year is never easy. Especially if you have been trying to change every year but it’s always the same. Ask yourself what’s preventing you from making those changes. Most of the time if not every time you will make excuses and blame other people. At the end of the day, you control your own life so take charge and make 2019 the start of something new.     

It’s beginning to look a lot like Christmas..

Busy grocery stores


Congested malls

Cranky people everywhere

Houses are decorated with Christmas lights and the inflatable Santa’s begin to roll out.

If you live in California, Christmas is very different than the Christmas you see on tv. If you have ever watched movies like Home Alone and A Christmas Story. The one thing they have in common, is snow. The closest thing Californians get is rain and that’s if it rains. 

The one other thing you get to see are thousands of what seem to look like Christmas lights as you sit in traffic if you are traveling. 

This holiday month is filled with presents and joy. Spending time with family or friends and enjoying memories that can last a lifetime. It seems like the holiday season is always the time people are most happy and joyous. People often come together and help each other out and go out of their way to make other people smile. 

It’s good to remember not everyone is fortunate and has family or friends to spend time with. 

Wherever you are

Whomever you are spending this holiday season with 

Take a second, sit back, and enjoy the simple things that life has to offer. 

A laugh

A smile

A conversation 

A hug 

Those memories you create with the people around you are the ones that you will remember the most.