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How to achieve Personal Growth?

Importance of personal growth and development for Happy Life

Nature and Super Healthy
Neuro Linguistics Programming

NLP (Neuro-Linguistics Programming) is a new technology used in modern practical psychology to alter the power of the human mind to achieve personal success. In the 70th century, two American scientists (Richard Bandler and John Grinder under the anthropologist, social scientist, linguist, and cyberneticist Gregory Bateson, at the University of California) found out this modern observation. Then a lot of personal development researchers improve these techniques into different subsections called Seishindo, 5S, Somatic Communication, Synergy, Synergy PLUS, Silva Ultra Mind, etc. Today NLP is powered by Indian classical Yoga, Parapsychology, Buddhism, and Quantum Physics. The basic concept of the NLP is stimulating neuron cells in the brain via doing programming to mind or converting negative neuron patterns into positive neuron patterns via five senses (i.e. eye, nose, ear, skin tension & thinking). From these mental converting, negative human behaviors can be changed into positive behaviors. So we give some guidelines of the NLP for Lanka Wisdom visitors which can be used to improve their personal life. Here we discuss some very simple & practical activities which you can use in your daily life to achieve your personal goals. Following simple ten rules tell how is our mind functioning naturally:

  • Mind can be controlled, guided & used for creativity.
  • Without self-control, mind can be destroyed owner self & automatically goes toward criminal actions.
  • Mind influences to every subatomic realms in internal and external living beings & physical objects.
  • Only thought are important than anything, so our physical body is just medium to mind.
  • Very important activities are firstly created inside the mind of any particular person.
  • Every thoughts which are created inside our mind are not true or correct.
  • There have beings in universe whose have only mind with energy bodies.
  • After die, consciousness jump into other life as concept of reincarnation in Buddhism. 
  • There have war inside our mind between justification of good and bad actions.
  • In every moments mind creates new energy packets which save in the universe called as karma.

Seven sections in personal life which want to be balanced & continually maintained
  • Family Life - Happy relationship & pure love increase your mind power, so it will give extra energy.
  • Health - This is treasure for any living being on earth, without good health any goal can't be achieved.
  • Life long education - Learning is not limited on certifications, age, time, job or any social state.
  • Economic independences - Save money & reduce expenses is important, it gives relaxation to mind.
  • Emotional Controlling - Some emotions are wanted rather than reduce, some are wanted to stop totally.
  • Religious activities - Your religion help you to get more relaxation & calm within daily life.
  • Social life - Even friends & relations are needed, you want to keep wisely limitation with every bonds.

Super Healthy
  • Super Healthy is idea for staying without serious diseases such as diabetics, high blood pressure, cancer, virus inflections, phlegm, accidents, stress, tension, etc...
  • Mainly via controlling foods & sleeping, keeping mind with relaxation, we can achieve super healthy concepts. Here we are not mention that we can stay 100% super healthy, but we can close to that states.
  • So we are going to discuss some concepts for attain super healthy & how we keep that state forever…
  • Remember that what you eat reason to what you be, its affect to mental side & physical side. Take well balanced nutritious meals including fresh fruits, green leaves and vegetables.    
  • Drink water as you like, it keep you fresh. If you don't like pure water then drink milk or fruit juice without added much sugar. Fruit juice is very good for made our mind fresh & increase concentration.
  • Eat easily digesting meals in break first because as soon as we wake up in morning, our body just starts its complex chemical reactions. Eat good wholesome meal in lunch & take simple meal in night. Because while sleeping our bio systems are starting to relax. Use to take little nap after 30minute from lunch.
  • Use to eat fruits & vegetables without cook or boiled. Reduce added sugar, sweet stuff, cola drinks, coffee, tea and alcohol solutions. As soon as you eat don't do any mental or physical exercises. Drink herbal leaves with boiling water even once a week.
  • Remember this formula - Sleep with Sun & Wake up with Sun - Whatever job you did or do, get wholesome uninterrupted sleep about minimum eight hours. Because without good sleep, loosed sleeping time collects as "sleeping loan", which can destroy you at important moments such as exams. Also remove sleeping loans via sleeping longtime and settle these loans.
  • Beware of bathing with cool water at the night time or cool days. It is good to use little hot water which stimulates your neuron cells, and then it gives good relaxation too. Best time for bathing is 10AM to 3PM.
  • If there have physical & mental sicknesses like Drowsiness, Ophthalmia, Catarrh, etc, take medical treatments from qualified doctors, and don’t use sleeping tablets or memory increasing drugs.
  • Do little exercises such as yoga, walking, cycling, running, etc. Do breathing exercises as meditation or pranayama yogic breathing. Learn Deep Muscle Relation exercises from good counselor. 
  • Read Ayurvedic (herbal medicine) books & discusses ancient knowledge about health. Sometime your grandmother knows Super Healthy Tips more than your family doctor!
  • Don't watch highly adventures & sexual stimulated TV programs, films, books & dramas before your sleep & as soon as you wake up. At morning time read religious books instead of news papers.
  • Prepare Auto-Suggestion relate to your physical & mental health. Do listen to relaxation music...

Become Vegetarian?
Anyone who can't tell become vegetarian is good or bad. Only can say as it is a good habit. Cause people have their idea about become vegetarian. Some are eating only seeds, vegetables, and fruits. Others take milk but stop fish, meat, and eggs. Some people reduce meat, fish & eggs at some level. However it is good you eat grams, peas, green leaves, daal, fresh fruits, and fresh vegetables. Dairy products such as yogurts, curd, cheese, etc are important to a healthy life. Soya milk and Soya meals also want to take by vegetarian people. To become vegetarian we need big courage because we attract to take meat, fish, or eggs since our birthday. Normally vegetarians are used to consuming chocolates, ice creams & other sweet meals or soft drinks, this may help to increase the amount of sugar level, so this Red Fact wants to be remembered by every people. Instead of artificial soft drinks or cola drinks, you can use vegan soups & herbal drinks. Also, we want to reduce tea & coffee because those drinks are interrupting our digesting systems. If you used to tea or coffee add some milk with it. Every vegetarian needs to read books or articles related to the nutritional value of our daily foods.

Color Theory
  • Colors are very important to stimulated cells of brain. Some colors are identified as stimulators for our daily activities such as education, earn money, cure sicknesses, etc.
  • Green color is important for stimulating brain cells towards earning & saving money.
  • Brown, Yellow & Orange are greatly important with education, religious activities & calm our mind.
  • Blue is stimulating brain cells towards achieve personal hopes & goals in life.
  • Violet makes fresh our mind & reduces tensions, stresses or phobias.
  • Red is identified as help for cure diseases & improve our immune system.
  • White is clearing your mind from confusion, problems & sadness.
  • Purple is increasing our social bond with society. Pink is used for improve personal relationships.
  • However Black is creating confusion, sadness & stress inside our mind.
  • So you can use these colors in particular places in your house, as example you can grow garden with green leaves so which help to stimulate your brain toward catch opportunities for money making while student can use yellow, orange or brown colored table cloth when they are studying.
  • When you choose desktop pictures for your computer or mobile phones, selected colors which are your mind stimulating into freshness.

Auto Suggestions
  • Auto suggestions are main & traditional NLP technique which is used to talk with our lower mind. According to NLP mind is divided into three part as conscious mind, unconscious mind & subconscious mind. NLP accepts reincarnation so all our daily activities & thoughts are stored in karmic realm can rake via subconscious mind. But unconscious mind help to communicate between conscious mind & subconscious mind.
  • For our easiness both of unconscious mind & subconscious mind are called as lower mind.
  • We can test our lower mind & its power. If you think as “Tomorrow I wake up at 5am." (That you want to wake up morning in particular time) before 30 seconds your sleeping. You can wake up on time without set alarm. 
  • Also our other personal goals can be informed to our lower mind. This is called Auto Suggesting.
  • Auto suggestion is done by using eye & mouth. If you need something you can write down it in short sentence & you want to read it before sleep & after wake up. In other times you can read it loudly. This is simple an Auto Suggesting. But for advance results following rules need to be considering in Auto Suggestions.
  • Write down in short sentence & in present tenses NOT in past tenses, future tenses or as hopes. If you can put expected date & all details (place, color, taste, etc) about your goals, it will increase incomes.
  • You can use note books or card as writing media, but it should be your hand writing, NOT printed format.
  • If you can, stick relevant picture about your goals near your sentences.
  • Don't show or tell anyone about your auto suggestions. If you do so its power of achieving will be late. This is scientifically proven thing, so keep this rule in your mind.
  • You can use Auto Suggestions for improve your education, earning money, find a job, etc....
  • Also you need good character for achieve your goals via Auto Suggestions (Actually via your mind power).
  • If you are doubt about your goal don't write it as Auto Suggestions. Our mind has instinct for grabbing right things and refusing unwanted things. It can see our future and karmic incomes.
  • You can use Auto Suggestion for remove your negative habits such as smoking. But you want to write it as now you are already removed that bad habits.
  • Also after your goal was achieved via Auto Suggestion, you need to give thanks for your lower mind with some treatments such as eat what you liked meals or buy book related to mind power.
  • Example Auto Suggestion: "Before the 2xxx year end of May, I will attain my own home with two bed rooms, nice kitchen & tiles floors. I will work hard for my own house”. Here is an example of good Auto suggestion was used by most of success people. 

Relaxation Music & Mental Visualization
  • Alpha level is state of our mind, which we can feel our lower mind. Normally our brain patterns stay in beta level when we do daily works. When we are in deep sleeping, we goes from beta level into alpha level & beyond that. In this alpha level our mind is so calm & relax. We can reduce our tension & negative hormones in this level. Thus relaxation music helps to achieve super health.
  • Also we can do Auto Suggestions & Mental Visualizations in this level. Scientific researches shows that if we think our goals in alpha level, we can achieve our goals easily. Our lower mind gets powered in alpha level, so can use this state to tell our life goals.
  • Beta level (β - Frequency range above 12Hz), Alpha level (α - Frequency range between 8-12Hz), Theta level (θ - Frequency range between 4-8Hz) & Delta level (Δ - Frequency range upto 4Hz) can be measured via EEG instrument which is used for analyze brain operations in medical centers. Theta level & Delta level are occurring in far most deep relaxation in mind which can be attained via hypnotizing therapy.
  • Relaxation music used to go into alpha level. Meanwhile listen relaxation music, we gradually go into alpha level. So we want to know what are these relaxation music & how we identify those.
  • Relaxation music must use two or three musical instruments only.
  • This music is noiseless, continually spread up from 20 minutes to 30 minutes. You should not interrupted while listen to these music. As soon as music stop, you want to see photo which is make you happy. 
  • Indian Classical music can be used as great relaxation music so called as Ragas and Divine Chants. 
  • Relaxation music don't use human voices, so only use natural & traditional musical instruments such as water flowing, bird’s noises, piano, flute, violin, soft drums & low noise instruments.
  • Indian relaxation music use some human voices such as mantras which are considered as best relaxation music.
  • As western relaxation music, we can use symphonies of Beethoven, Mozart, etc... 
  • Buddhist people can use parittas and verses.
  • Only you need to lie on soft bed then listen music tracks via CD player or other players. It is good you use stereo headphones rather than normal speakers. If you have MP3 player or multimedia mobile phone you can use them when you are sitting in comfortable chair.
  • While you do relaxation music exercises, you can imagine that now you are achieved your goals now itself, you want to feel your happy & courage you were attained when your life goals is achieved. Also you can combine places, smells, tastes, sound, etc, which are related to your life goal. This process is called as Mental Visualizations. This is very powerful tool for our success.
  • By doing Mental Visualizations with Auto Suggestion you can achieve your targets in short period of time.
  • Via relaxation music, you can contact with other energy beings like gods.

Positive Thinking
  • We have physical body & energy body. Physical body is maintained from foods while energy body is maintained from Chakra or Energy Centers in astral body. There have mainly seven chakras in different places in body. Our body & mind is powered by these seven chakras. For keep fit our physical body (from diseases & negative hormones), firstly it is needed to keep positive thinking patterns. 
  • If you think negative way your chakra become week. But if you can think as positive & fresh way you can achieve ultimate mind power which is more enough for gain all of your life goals. So here we give some ways that how you can maintain positive thinking way. Also these ideas can be used in your Auto Suggestions.
  • Read books about religious, psychological & positive thinking.
  • Understand what you can do, also what you can't do when comparing with your skills, talents and resources.
  • Understand inborn skills & inborn weaknesses.
  • Understand that you can make mistakes, especially when you do task in first time. It is normal thing. It is not your fault. Other people don't have right to blame you in such cases.
  • You have right to say I don't know or I can't do. But you want to be honest to yourself.
  • You have right to ask some thing from someone.
  • You have right to love someone & also get love from others.
  • Others don't have right to destroy your life goals, so you can neglect other’s negative behaviors.
  • You can courage others by using words & helping them. Also it is your right & responsibility.
  • You can plan your future as your likenesses, with consulting your family members & past karma.
  • Our brain has two sides. Right side is help to doing creations, fantasy, music, arts, etc. while left side is helping to do logical thinking , mathematics, sciences, grammar, etc. So you can make your character positive way by using both side of brain. When you do meditation, you can use both side of brain in same time. Also when you listen to relaxation music, your brain use function of both side. When you use your both side of brain, your mind power will develop. 
  • If you respect to particular god or group of deities, offer flowers, light lamp/candles & light incense stick to them everyday. Ask helps from them via your mind for success your life. 

How to be a Good Learner?
  • From this concept, NLP introduces how we learn new things without wasting time & without apply more mental or physical stamina. For leaning fast we need to keep good concentration. We want to use left & right side of brain for achieve best results from education. More than pass exam and take a certificate, education is a perfection which practice our mind to think and become wise. And do service to mankind from our knowledge. 
  • Below guide lines will help you to increase your learning speed.
  • Keep your learning room & table clean. Use pleasant light & room color. Light bulb must be placed in 3 meter away from opposite to your writing hand side.
  • Understand your most liked subjects & keep books related those subjects in your book rack. Your book rack must be place near your eye sight. Also hang posters related to your most respected people, scientist or great person on your life, educational materials in front of your table & your bed.
  • Don't keep any book on your table. Put all books on your book rack or other separate place. But you can keep computer, calculator & some little stationary inside stationary holder on your table.
  • Keep your education functions under time tables. Put most difficult subjects in first time periods, which you don’t like to learn. Also divide learning periods into maximum 30 minutes then take some break. Use sometime for your hobbies, sports & entertainments. Try to study 2 hours per day.
  • Use relaxation music, when you reading books & solve math problems.
  • Try to use computer or calculators with your education. These instruments are not destroy your memory but they help to increase functionary of your left side of the brain. 
  • If you are art student do some hobbies related to Chess, solve math problems, learning some technical subject or new languages apart from your normal study areas.
  • Read books & magazines. Read novels. If you are learning science or math, try to learn any musical instruments, listen to songs or watch good films or TV programs.
  • Take life as serious; don't live in fantasy world when you are learning. If you are staying with love life or family life, use those things as support factor to education. Discuss & exchange ideas with your life partner.
  • Always divide large study loads into little segments. As example if you happen to read or remember 6 chapters from books with two days, you can divide one chapter for one hour, and then three hours per one day - so this way you can easily finish your load within two days without working hard.
  • Hang your educational achievements such as certificates on your room. It will give you motivation for doing success in future studies.
  • Read psychological books related to learning secrets. Use memory maps when you study. You can make song for remember some names, make story for remember tables, etc...
  • Use center of white sheets for write something. When you happen to remember some graphs, write it on center of white sheets then see it in free times. Don't forgot, if you see something long time everyday, it will automatically remembered such as we remember our close one's phone numbers.
  • Some people learn from seeing, some are learn via listening but others are learning from hand working. Try to find out your learning methods then use it rather than other ways. Also use multimedia education materials with help of computer when you are learning. Use yourself to explore Encyclopedia or Dictionary.
  • Analyses your experience with your past learning mistakes. Best ways to learn is analyze mistakes happened in your own past years. Try to understand yourself. 
  • So use these guide lined to be a best and fast learner. Take education as easy task. It is Hobby. Below image is a sample memory map.

Sample Memory Map
Simple Meditation & Mind Power
  • NLP scientists were found by using quantum physics that light signal travel around the earth has frequency of 7.5Hz. (By using formula c=fλ, c is speed of light & λ is distance around the earth).
  • But also when we are staying in Alpha level such as in -  mediation, relaxation music, Mother Nature or certain temples, shrines - then our EEG brain frequency also so close to 7.5Hz.
  • So this concept proves that we can get what we hoped things easily if we are at alpha level or in mediation.
  • However you can practice simple meditation called as "Meditation of All Wealth". This will help you to gain lot of money, treasure, happy & calm into your life.
  • Meditation helps to link us with universe and other energy beings.
  • Firstly stay in silence place. Close your eyes then think like this way. This meditation has circular thinking method.  So start like this:
  • Every being may stay in good health!
  • Every being may gain money, house, relations & other physical things!
  • Every being may stay with brave & relax mind!
  • Every being may observe virtuous precepts in their life!
  • Every being may achieve their life goals easily!
  • Every being may have happy & lovely family life!
  • Every being may achieve their spiritual goals!
  • Every being in universe may stay in Happy, Calm & Freedom!
  • This is the end of this mediation, so you can do one cycle or increase cycles per daily basis.
  • Then you will feel great happy and then after six month of period you will see great physically & mentally difference happened in your life!

Face Interviews: Successful Interview Tips

Interviews are common for get a new job, try for promotion, refreshing job areas, start fresh love affair, in marriage proposals, and many more occasions. Here we are going to show you some tips for pass your interviews well. Before face to interviews we need to send cover letter & CV (also called bio-data) to companies. But before that you must have clear idea about what kind of job you need when compare with your own skills. Person who have small oral skills must not find job in sales reps. Person can't do computer typing, must not seek job as clerk. When you find jobs you must consider targeted job titles, it's main tasks & purposes, what kind of skills needed, qualification you needed, special requirements for job title & main term of conditions in that job. After you got invitation letter for interviews, you must research about that company or organization under following facts:

  • Who are owner of organization, is it main products or services? 
  • Organization structures, departments, branches, outlets, factories & sub companies?
  • Where they located? Capital organization? Top level managers & director board?
  • Organization reputation, strengths, weaknesses, employees, customers?
  • Market shares, what people say about that organization?
  • Main advertisements or procedures? Company website?

Read transcripts, books, magazines related to facing interviews, Good Luck For Your Interviews! Then you have good preparation for face this interview. Sometimes interview board have group of people or sometimes only one person. Here are some tips for how you want to behave in interviewing period: 

Do Don't
Be prepare, punctual & relax Be boring, creep & over friendly
Care about your appearance Talk well when refer people like Mr.. or Mrs..
Listen to questions then speak well Don't criticize society or people
Be friendly, polite & calm Let interviewers finish his questions
Expand your answers Don't argues with interviewers
Look direct at interviewers Don't over boast your strengths
Keep your copy of CV, pen & blank paper Don't say any lie or suspecting facts
Be truthful, substantiate & show your strengths Don't wear fancy cloths or use mobile phones

Common interviewing questions:
  • Where were you born? Where do you live now? Do you like this city?
  • What your parent do? Do you have brothers & sisters? Are you enjoying life?
  • What do you think about this job & your application form for this job?
  • What do you do for relaxation & leisure? Do you like sports & have join any clubs?
  • Do you read news papers? Do you watch business news on TV? Whose are your favorite authors?
  • What is your school? What did you think about your school teachers?
  • What is your most like subject? What do you think about your school? Why do you like these subjects?
  • What you do normally in school or university holidays? Why you bad with these subjects?
  • What's hardest thing you have had in past job? Do you like your current boss?
  • What you had failed to achieve in your current job? What your boss think about you?
  • Why do you want to join this company? What do we do here? Why should we employ you?
  • How much money do you want? Were you sacked? Why you keep blank these areas in CV?
  • So can you sell me this pen? What do you do if ...? What you think of ...?
  • Tell me all about...? What you did in past ten years? What do you think about your colleagues?
  • Tell me what you know about our product or services? Can you talk well via phones? 

Team Working - Concepts & Theories

Team is an energetic group of people, who work together for achieve particular goal & wish high results than working alone. All team members are, motivating each other, combining their skills, improving their creativity & developing efficiency via effective participation. As an example, two couple married are can consider as basic team. People who build software also work as team, like designers are creating user interfaces, software engineers are doing calculations, preparing concepts, developers are doing programming, marketing members can do field researching and trainers do fault finding, while system administrators are managing all works. There are eight factors involved in build effective team:

  • Team must have clear goals, which can write down in paper
  • Resources can be used to gather each other such as room, chair, table, etc...
  • Team is controlled by simple rules & leaderships
  • Each members must have good communication skills even via email, chatting or sms
  • All team works must reassessment by leaders in particular time periods called as group meetings
  • After small time periods such as one week, all team members must gain measurable results
  • Every once after reassessment, members must renew their environments or roles
  • Every members must have good understandings each other about other member's skills 

Team members are individually effecting to success their team with good communication skills such as writing reports, orally talking by phone calling, sending sms or emails. All teams have leadership, who is doing planning, organizing, decision making & motivate his members. Some team have two or more leaders. Analytical thinking & improving own skill are main responsibilities for other team members. All team members must have clearly defined roles. One member must write down all decision were made in group meetings. All member participate their team via physically or via electronics media. Always Remember formula Of TEAM = Together Everyone Achieve More. Good Team must have following performances:

  • Very small number of members related to one task
  • All members have good skills in their roles  
    eg.. some can talk every well, but some have technical skills
  • Equally committed to a common purpose or goal
  • Working approach for which they hold themselves mutually accountable
  • Deeply committed to one's another personals
  • Gaining success in daily & grow reputation among team
  • Methodology for handling facilities
  • Face tensions comes from outside & own weak points
  • Clear organizational charts for all members & their tasks
  • Collecting feedback from outside & inside people
  • Respects to internal rules & common human qualities
  • Awareness of group process till finish main goals

How we can succeed in becoming wealthy

People who have no money - People who are not successful in gaining wealth always happen to search for money and tend to have a stressful mind thinking about their financial future. They are often trapped into leasing or taking loans and happen to follow behind people who have money. These people don't practice proper economic management in their life. Being satisfied with what we have is not always practical as there is always a chance we can face misfortune in our personal life, our career life, our businesses or in the natural world.

People who have money - People tend to be calmer and more relaxed when they possess a sufficient amount of money. This allows them to take life decisions with a clear mind. They don't have fear about the future and have a fresh mind, allowing them to produce creative ideas. They can invest extra money in learning new skills, buying properties, depositing it in a bank or starting up new businesses. As a good practice, they calculate daily loss & profits in a book. Wealthy people always separate a certain amount of money as insurance for their life and properties.

Discipline of saving - Saving money with the bank is considered to be the main step in becoming rich. We need to have motivation and discipline in order to regularly save a fixed amount of money. It must be considered as a necessity in the same way as purchasing food. It is recommended to save at least 10% of your total income per month. Saving money can also be regarded as Financial Independence because it helps to make our mind free. We also need to think about how we save, such as depositing it in a bank account, buying land, buying property or purchasing gold etc. When we deposit money with the bank, they then invest this money by giving loans to micro businesses and corporate projects. Hence, investing money with the bank directly helps to develop our country towards prosperity.

Dealing with Banks - It is important that we take the right approach when it comes to dealing with banks or other financial institutions. Normally with banks, we can maintain three types of money accounts. These are - Savings Accounts, Current or Cheque accounts and Fixed Term Deposits. With the use of ATM cards, people nowadays regard savings accounts as the same as current accounts. Current accounts are used mainly to perform daily money transactions whilst any leftover savings is not considered to be in that account except in the case of collecting money from businesses or from a salary. Savings accounts are used to keep savings as a way of self discipline. Hence we need to restrict the withdrawal of money via ATM cards. It is suggested to take enough money for a week as a good habit to restrict spending when handling ATM cards. If you need to take money from your bank account, always use your current account instead of your savings account. Depositing a fixed amount from your monthly income into a separate savings account is one way to encourage good saving habits. Fixed term deposits are another way to discipline our mind and our spending habits, enabling us to steadily save while earning higher interest rates from banks or other kinds of financial organizations.

Common types of Financial Traps

  • Investing with illegal financial institutions, insecure banks and fraudulent people.
  • Purchasing lands and homes which have illegal documents and are conjoined with law cases.
  • Gold or instruments which do not posses true chemicals compounds or internal components.
  • Leasing or loan advertisements which force borrowers to pay back with excessively high interest rates.
  • Having long term faith in winning lotteries is also potential financial trap created in our mind.

Leasing and Loans - Many people take on loans without thinking how they are going to pay it back. Some people take on loans relying on uncertain future plans such as earnings from a foreign job, incomes from new businesses or with an insufficient salary. It is not suitable to undertake loans or to lease if your intention is to obtain fancy things. Loans or leasing should only be taken for new investments. As example, if we need a new investment of Rs.100, then we must have 75% with us, which is not included from the loan. We should expect to use only 25% of our total needs from leasing or loans. Also the 25% we acquire from the loan must be saved in the bank and should not be used in the investment. This amount is required to pay back the loan, in case you are unable to earn funds from your investment as initially planned. A lot of people take loans because of attractive advertisements. But ideally we should always remember that undertaking loans & leasing helps to give us added mental stress, physical sicknesses and can potentially cause family problems too.

Handling Credit Cards - Bad usage of credit cards is another way people tend to waste or lose money. Credit or debit cards can make our money vanish easily within minutes. Online purchases, shopping in super markets and foreign traveling can all contribute to us wasting money if we do not know our limits. Credit cards can create money, so mentally we don’t identify it as another kind of loan. To save money from spending excessively, we want to keep a monthly limitation on our card purchases. We also need to take care in paying our credit card bills on time in order to avoid interest collections. Before we go to the super markets, we should prepare a goods list after consulting with family members. Always collect bills and analyze extra purchases beyond the list. This will help to reduce going over your budget in future. Maintaining a family or personal money book is also another good method to keep track of spending. Essentially, we need to have self-discipline in order to avoid extravagant spending.

Money and Personality

  • Richness is relative state which means a rich person in a village can be a poor person in a suburban town.
  • With extra money, extra social acceptation and bravery can be earned.
  • Rich people attain a positive mind, luxurious life and have a nice appearance.
  • Rich people have the opportunity to gain fresh ideas and meet new mentors.
  • When we have extra money, we have more free time to do activities such as meditation and merit activities.

Ways of wasting money

  • Spending unnecessarily on lust such as buying clothing, meals, entertainments, etc.
  • Undergoing expenses without taking into account any financial planning & analysis in your daily life.
  • Paying for services & goods which can be done by yourself, such as shaving in a saloon.
  • Wasting time thinking negatively about the past - wasting time means wasting money.
  • Understanding religious concepts in the wrong point of view, such as - about saving money.

Ways of being successful with money

  • Use your land to cultivate vegetables, cooking spices, herbal trees, flowers and fruits rather than buying those things from the shops.
  • Read books related to successful people and affluent companies, then write down their tips to become wealthy. Try to understand their weak points.
  • Undertake an extra job, become self-employed on a part-time basis or as a family business during the evening times or holidays.
  • Prepare a simple home based lost & profit money book related to daily, monthly and yearly expenses. Analyze it every weekends.
  • Give donations with a happy mind from your monthly income to poor people, priests, gods & monks.

Buddhist Saving System (BSS) - Think as your total monthly income is Rs.100, then separate your funds as following:

Monthly Family Expanses Invest Again in Business Savings for Future
25% 50% 25%

Sample Personal Economic Management System Per Month - Consider your monthly income is Rs.100, then keep your expanses as following:

Daily Needs Savings Investments Hobbies Merit Works
60% 10% 10% 10% 10%

As water, money also follows from where money have to where money have not via easy routes...


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