MIMIMISES

Personal Wealth Building Starts With Paying Yourself First – But How?

Personal wealth building starts with paying yourself first, and by now you’ve probably figured out that there’s no way around that one. However, this is much easier said than done isn’t it? It’s easy to tell someone to pay themselves first, but what if you hardly have enough to get by right now and you just CAN’T take the first step? Let’s look at a simple and practical way to make this whole “pay yourself first” personal wealth building strategy work in your life.

Personal Wealth Building Takes a Shift in Your Physiology AND Your Thinking

You’ve probably already heard about how you have to make a shift in your thinking so that you make it a priority to pay yourself first. But that change of thinking does very little when you still feel afraid of not having enough. This is why you have to make a shift in your emotional state (which is caused by physical sensations in your body) so that you can make the shift of thinking real. Try turning the fear around on itself by increasing your awareness of what will happen if you don’t start paying yourself first.

Will you have to work until you die? Will you be stuck in a job that you hate until you retire? Will you be suddenly faced with the possibility of bankruptcy if you get hit with a financial emergency? Lay out all the reasons that you NEED to start paying yourself first and start focusing on those instead of what you’ll lose short term. This will empower the shift in your physiology that will spur you to action.

Give Paying Yourself First a Try

Even if you don’t think you can afford to start paying yourself, you never know until you actually take it for a test drive. Agree to set aside 10% of your income into an emergency fund to begin with. Do this before you pay any of your expenses and put the 10% into a saving account where you can get it out if you don’t have enough to pay your expenses. What you’ll find is that the 10% will be left after you’ve paid your expenses and that no harm is done.

This will build your confidence that you CAN pay yourself first, then you can start moving the 10% towards investments which are harder for you to “take back.” Just do this for a month and remember to change your physiology by focusing on all the reasons why you need to pay yourself first. Before you know it, you’ll have plenty of momentum towards your personal wealth building plan.

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Veterinarians – Take Your Cleaning Regimen to the Next Level

Cleaning Goal: Most veterinarians strive to create and maintain a sanitary facility in order to prevent the spread of communicable diseases, including parvovirus and kennel cough. This concern is typically addressed with conventional and “green” cleaning products whether office staff or an outside service cleans the facility.

Conventional Cleaning Procedure: There are usually two cleaning processes that occur in a typical day:

– During business hours speed is of the essence and the most expedient method of cleaning between patients is to spray and wipe the surface or other area.Bodily fluids on floors, examination tables, walls, in the OR, etc., are generally wiped up with a paper towel then the surface is sprayed with a chemical based cleaning chemical and re-wiped.

– At the end of the day a general cleaning of the facilities’ fixtures, floors, and furniture.

Residual Build-Up: As spraying and wiping is repeated during the day a residue from the product being used builds up each time. Fluids can easily seep into tiny cracks and crevices and generally remain untouched because they are beyond the reach of a cloth or towel being used to wipe the surface.

Two Key Questions Arise When Using Commercial Cleaning Products:

– Are the microorganisms, bacteria, and other infectious germs from the fluids and otherwise left in the facility by animals actually killed when sprayed and wiped? – Will the residue left on the surface by a cleaning product adversely affect animals if ingested, inhaled, or otherwise contacted?

How Do You Know With Certainty? Did the cleaning product penetrate the porous stainless steel examination tabletop or was the cleaning only superficial? What ingredients are in the products and are there potential side effects, particularly when used in a quarantine area, on kennels, and aviaries. If so called “green” products are being used would you drink their content?

Minimize the Risk Without Using Chemicals: An extra measure of safety can easily be implemented at the end of the day by using heat generated from dry steam vapor to clean stainless examination tables and other critical areas because it kills microorganisms, bacteria, and infectious germs on contact without leaving a residue. Since water is the only cleaning agent animals cannot be affected by it and the issue of ingredients is moot and the process is definitely “green”.

Cleaning With Dry Steam Vapor: Heat is the oldest and most effective method of cleaning known to man. Heating ordinary water to a very high temperature then pressurizing it creates odorless dry steam vapor. Millions of hot vapor molecules attack, break down, and clean surfaces as they penetrate deeply into the pores, nooks and crannies of the item being cleaned. Heat and molecular size provide the power that enables vapor to clean deeper and far more effectively than any conventional product.

Benefits Include:

– Cleans, sanitizes, and deodorizes at the same time

– Kills microorganisms, pathogens, and other bacteria on contact

– Instantly breaks down any residual build-up from spray products

– Effortless to use because vapor does all the work

– Has only 5 – 6 % water content so virtually no mess remains after use because the surface dries within seconds – Complements traditional cleaning regimen

– Truly “green” cleaning can be effectively used in marketing.

Vapor Cleaning Products: There are many excellent products available but I recommend commercial grade VaporStrike(TM) because of its durability, effectiveness, ease of use, and ability to produce continuous vapor so work is not impeded when water is required. It produces dry steam vapor by heating water to 297A?F. Additional information can be found at

Carol Prinster, Manager of Saguaro Veterinary Clinic in Scottsdale, Arizona and her staff have found that VaporStrike(TM) is particularly effective in achieving that extra degree of sanitation in the OR and appreciate it being chemical free.…

Frugal Personal Finance Management

The idea behind a long-term management strategy is to ensure that you have something to fall back on and have something for the future. A key approach to this is making changes now and in how you save. A regular savings program as early as possible, no matter how small the amount, will get you started and will increase gradually and then dramatically, accelerated by compound interest that grows month after month and year after year. When starting it’s best to plan your long-term savings as an isolated account, for it to be away from the savings for other goals and purchases, like when you save for a vacation or plan to buy a new home appliance.

Never touch the long-term savings, don’t fall prey to that itching when you grow enough money you easily get tempted to use it to fund a big purchase. Your long-term savings is your life savings, don’t even use it to buy a car or a house. And don’t try to take out a loan if you feel like you’ll probably reach in your life savings if you’re in a bind. This is why you need to isolate your life savings away from all other savings that you plan to make, so simply put up another savings until you make the purchase you want without so much as a cent removed from your life savings.

When it comes to money and finances, there are three kinds of people in the world: Those who spend beyond their means, those who spend what they actually have, and the rare few that spend less than their means. We can obviously see who wins in the end, and you want to be part of the very few people that spend less. Most of those in that category started in the second category, spending only what they actually have. The best way to shift into this category is to search for good opportunities that will allow you to build you savings higher. This means lessening unexpected purchases and try to apply more frugal ways for you to manage your money and let it grow to its full potential. Here are some popular tips to encourage you to be mindful of your spending and what you are spending on.

They say that the most expensive miles on a car is the first 10,000. Buying a used car instead of a new one will save you a lot of money. Listen, it’s just miles… and so what if you don’t get if the used car doesn’t have brand new paint job and doesn’t smell of new leather? It’s time to practice frugality and discipline. A used but solid and well-maintained car will do the same job as the new car, without the hefty price tag on it. And if you can, just ditch the plan of buying a car in the first place. Get a bike, that way you don’t have to shell money out for weekly gasoline, for parking fees or paying that annoying ticket.

Stop following the trends. The latest clothes of the season or the latest technology gadget of the year is your worst enemy when it comes to saving. Be merciful with your money, you are actually on the losing end if you buy items hot off the press. Wait until the buzz has died down, and then wait another extra month or two. You’ll find that the price has gone down and you’ll get offered the best discounts, too.

When finding a good bank, ask around your circle of friends a recommended bank that’s known for their no-minimum balance and no banking fees. The no-minimum balance will help you start small and gradually build your money bigger. A bank that has a no-minimum balance is more likely to understand your need to get the best out of your money than a bank that requires a huge opening deposit. Banking fees are a nightmare, especially if they have fees for checking, withdrawing and what not. Find a reputable bank that fits you.

Don’t buy into the trick of that ‘extended warranty’. More often your product already has a warranty ranging from 90 to 1 year. Remember that when the product is defective, it will more likely that it will surface within the month or the year. Also, when you’ve had a service for a couple of years, chances are there’s something new out there that can offer you better and cheaper services.

And for all-around frugal ways to save money, search the Internet for a great resource to saving money in you household, saving tips for energy efficiency and more ways of keeping a tight reign to your budget.…