Recently I just finished reading, “How to Win Friends and Influence People,” by Dale Carnegie. I learned many useful social skills through this book, and am trying to implement them in my life. Some short-term goals I have are to remember other’s names and to always smile. Other goals which might take longer to learn would be to start asking meaningful questions to others during conversations, and also to show respect to other’s opinions.
Remembering some one’s name and smiling can really help your interactions with others. Smiling lets you spread happiness to others, something everyone wants to feel. Remembering other’s names is good because it has been proven that someone’s name is to them the most important sound in any language. Therefore, using the other person’s name in conversations tends to make them more interested in what you are saying.
I would also love to learn to start asking meaningful questions to others during conversations. Not just a monotonous, “How are you?” or “How was your day?” But to start asking questions that can really let you know them better, questions like, “Have you done anything interesting this past week?” or, “What would you like to make time for?” Another thing I would like to do is to let others express their opinions about different things, and also to show respect to their opinions. I find that doing so is hard for me because I always manage to find something wrong with it. That is why I should slow down and let others properly explain everything.
I think that implementing these things in my life will improve my social skills and help me not hate the people I dislike as much. Smiling and remembering other’s names can help you have more pleasant interactions with others.
You shouldn’t borrow to buy something that depreciates in value. Examples that can depreciate in value are cars, electronics, jewelry, and much more. A reason why buying these is not good is because it produces debt. And debt, when for something that depreciates, is very bad.
One reason you shouldn’t borrow to buy something that depreciates is that what you buy should return an investment to you. Like buying a share in a company, it should return the equivalent of the value you paid for it or more. You expect the company you invested in to generate money for you. The same is not expected of a luxury TV, or of a sports car that you don’t need. Therefore, I think that borrowing to buy something which depreciates in value is not a good idea.
Another reason why you shouldn’t specifically borrow to buy it is that debt produces interest. And if you have a lot of debt over a long period of time, it can cause you a lot of trouble. An example is when you buy an overly expensive car. You don’t have enough money to pay it back, but you leave it be. “It doesn’t matter”. But then, after a while, it is getting impossible to pay the debt off. You rush to sell the car, but you realize that the car is not worth half as much as before.
In conclusion, I think borrowing to buy a depreciating asset is a bad idea. Borrowing to buy that video game you want, or getting that really cool car that you can’t afford are all not good. Debt can grow really fast.
Most people, if not all, find uses for money in their everyday lives. Whether it be to buy lunch, clothes, or even services. But what most of us need is a way to conserve our money. Many people find themselves spending too much money, living paycheck by paycheck. Simply eating homemade food, not impulse buying, and not indulging in unnecessary luxuries are all ways to save money.
Eating homemade food can save money in a lot of ways. The most obvious one is where eating out costs a lot more than it does when you eat homemade food. When you eat out, you spend an average of 20$ for food and labor costs, compared to when you dine at home, you only spend around 4-9 dollars for a great meal. Another way eating homemade food saves money is where you don’t have to pay for medical bills. Now if you live in Canada, you get free medical bills, so you just don’t have to pay the fee of unhealthiness.
Impulse buying is a great way to waste money. When you impulsively buy something just because it looks good and it says that the price won’t ever go down that far again, you probably didn’t make a good deal. First of all, great prices almost always come back. And, you didn’t know the quality of the object you bought. Now I’m not saying that you always have to research whatever you want to buy, but just that it is a good idea.
Last of all, not indulging in unnecessary luxuries can be a great way to save money. Not going to the movie theater’s every other day, or not going to buy that toy you think would be great fun are all ways to save money. Now I am definitely not saying that you shouldn’t go to the movie theater once in a while, or not to indulge yourself in whatever you like to do, just that you should be careful to not go overboard with your unnecessary purchases.
In conclusion, having the skill to conserve the money that you get can be very helpful. Whether it be saving money on hospital bills, something you’d really like to get, or an extra cool looking car, small choices can go a long way to saving your money. But just remember, don’t be a miser!