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Tools to reach your financial independence through personal experiences.

Practical life

Saturday, January 12th, 2013612/ 01 / Jan / 201313:55

  • Solve problems complicated easily: in the common / professional life

    While a lot of people will remain "standing alongside the quay" to solve any problem which seems insoluble, people who are creative will find remedies in the situations the most complicated thanks to their capacities of innovation, often by deviating from traditional paths. Who does not know Geography Trouvetou or Mac Giver? These characters were so imaginative that they could get out of all the tight spots by diverting the use of certain objects.

  • The creativity dopes your projects and opens you the spirit

    A creative will always improve its personal situation and "will improve" in time because it knows how to wonder without limiting its fields of research. For example, an artist in a no-win situation is going to request objective notices on his works to stand back and improve. In the field of the business, a creative entrepreneur fetches to market an innovative idea, whereas an investor is systematically going to be on the lookout for the new trends, what will oblige him to question its strategies.

  • Improve your good be psychological or material. Our good to be psychological passes by moments or we have to create. By creating, we prove that we exist and our self-service restaurant considers (égo) is reassured there. If we pay you to exercise a creative activity or if you generate income in this way, not only you are credible with the eyes of those who dream to imitate you, but moreover, you improve your material comfort by the money which you obtain. Thus the satisfaction is double: she is psychological (satisfaction to being able to create something by oneself) but also financier (gratitude of your peers or your customers).

Certain persons are creative of nature and will not need to stimulate enormously their imagination. For others, on the other hand, to be creative will turn out to be very difficult. Nobody forces you to be or to become creative. Simply, the creativity can simplify us fundamentally the life, to allow us to round off your purposes of difficult months or still to reveal our talents in a precise domain. Close-up on some means to find the inspiration.

  • You have the sensation to live a flat and monotonous life? Radically have a break from time to time. If you do not have the financial means of a journey abroad, opt for a visit at your old aunt in Brittany. No need to make tens of thousand kilometers to find our lifeblood.

  • Your curiosity speaks: to begin, we have to like being surprised as much as surprising. Learn to like the change, unforeseen and completely possible and even important to appreciate the life. Kill the routines by built stratagems "single step". Cultivate your difference, your desires. Assume your changes of following looks the seasons, your humors, etc....

  • The nature, the music, the reading, are so many opportunities to leave to the meeting of our own creative energy. Our engine has to be the passion and nothing else. It is the passion which will urge us to go out of your zone of comfort, it is still her which is going to lead us to like what we are going to invent: a text, a picture, a musical score, a renovation of an apartment, a blog on tsetse flies... That I still know.

  • Let us take time to observe the world around us. What pleases us? What can displease us? Organize a schedule according to what holds us most heart is within the competence of the indispensable. For example, let us decide that we shall dedicate from now on a minimum of two hours in the week to the meditation or to the model making. Obviously, it is not still obvious with children or family to be assumed, but we have to make him, because it is our own mental balance which depends on it.

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Friday, September 14th, 2012514/ 09 / Frog / 201208:00

boite mail

Having consulted your boxes e-mails, always close your sessions, especially when you are connected via other computers antiviruses of which you do not know. For the owners of smartphones, do not forget to download antiviruses before any consultation of your e-mails. Never communicate your access codes to other persons, be rather watchful having opened inadvertently an e-mail which is sent to you by an unknown contact in approximate French or in foreign language.

  • Your passwords: avoid those who are too basic (dates of birth, zip codes, etc. ...). Prefer a combination of letters and figures of seven characters a minimum. (One or several capital letters and the safety is almost completed). Never use the same password on several sites at the same time.

  • Delete regularly your history of navigation and your cookies, especially if you navigated sites of which you think doubtful.

  • Having got back the control of your e-mail box, decide "on a probationary period" on lasting days even several weeks which will allow you to know if it is not rather the hostile program (comfortably installed in your PC) that gets back all your data.

An e-mail box, it's good. But the only one, it is not unfortunately enough. Why? Parce that you have no means to be warned if your unique e-mail box was pirated. Furthermore, you risk to lose all your contacts, in brief, fabulous one puzzle in prospect.

Thus to integrate the second e-mail box of help into the first one is recommended. On the messaging hotmail, for example, you reach this option from the menu "your account", you can so modify the password regularly or add this famous messaging of help. If your e-mail box is pirated, you will receive automatically a message of hotmail indicating you the procedure to be followed, which is rather simple.

For acts "of digital piracy" committed on other messaging, you will always find very useful information on sites as this one:

Now, the piracy of Web does not have any more than to be well held

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Friday, May 11th, 2012511/ 05 / May / 201216:21

The life for two is often enamelled of moments which are strangely lacking romanticism. Of this typical sentence said, loved, you think of taking out trash cans before going out? "In this one" you can tidy up your socks which drag? " the shock is rough for those who discover her or the idealists of any edges!

The fulfillment of the domestic tasks and the diverse works in the home has not to make of the one the slave of other one. Thus the distribution of these tasks ideally has to rest also on a strict equity. For the most organized, a schedule of loads can be defined for the week. Here are some examples.

  • "The races and the household": these tasks are often felt (rightly) as duties. These constraints must be necessarily shared, unless having the means to have a home help or a cleaning lady. For the races, you can think also of the home delivery, she is not necessarily much dearer. If your working schedules are very different and what you see each other little, buy a block note to register it all which must be bought or matches the week.

  • "The do-it-yourself ": in this domain, everything is affair of practice. The women, these last years, put themselves moreover in the do-it-yourself a lot. It is necessary to say also that the invoice is always salted when we appeal to professionals. If important works are to be planned in the place of residence and what you are not a textbook, two solutions: either you have a good address book which allows you to delegate while reducing the costs, or you begin to take lessons who make profitable very easily.

When we are in couple, we frequent more easily other couples. This link is completely natural and is not a danger. Indeed, the other couples know the same problems as ours and "spin us of the pipes" to round off angles in the everyday life. Furthermore, the couples older, generally, include that the conservation of the intimacy is important and respects her in most of the cases.

On the other hand, big concerns can happen if you make of your love nest "a permanent squat" to such a point that the presence of your friends becomes extremely annoying there. When the home is transformed "into hotel of drafts" (and I knew some like that ...), the intimacy in the life for two implodes and the difficulties of communication become insuperable. In a general way, always watch not to grant more importances in your friend (e) than in your half. It seems obvious, but how much of (young people) couples part for that reason?

When you meet somebody, his family is an unknown parameter. Of course, you will not marry the beautiful mother of your spouse (many people will say: still happy ...), but the fact of cutting the umbilical cord to live for two can be very badly heard by the in-laws.

I remember for example these young young turtledoves which had moved in front of the beautiful parents of one of them. At the beginning, they were delighted: their only child could be kept at anytime of the day because the beautiful parents were redeemed, the beautiful father (good handyman) gave regular helps for the renovation of this house. It was to forget the eye very curious about the mother-in-law. Because after all these services provided, she considered allowed by everything to make by landing at anytime of the day "to stick her nose everywhere", to give her opinion onto their common life and to press them to make this or it, etc.... This couple did not last well for a long time. Naturally, it is always very useful to have relatives not very far from at home, and it "repairs" in things get rough, but always let us protect the main part:

  • The decisions must be taken constantly by mutual agreement.

  • The excessive interventions of the in-laws in the common life must be necessarily avoided.

Hem... Hem ... I roar of pleasure (laughter). Many people of have already lived us this situation. You are about to make love, or ... let us say that it looks good, or "the thing" is can even already be in class. Suddenly, the telephone sounds... Then you say to you "And shoot ... I let ring or not?"

The one both begins to have a moral conflict and a coward: "can be that it is urgent ... can be that something bad happened to somebody whom we know ... can be that if my big father had it ...". Put out your mobile phones, cut completely bridges with the outside world when you wish to share a moment under the braid ... or somewhere else!

What I am now going to say goes can be to make for it jump up some one of their seats. But if you do not grant confidence to your own spouse, to whom will grant him you?

After certain number of last years together, you must, as a rule, be capable of letting leave your spouse a few days, even a few weeks with other persons, without accompanying him. Of course, I did not speak of sending him to the arms of a rival lying in wait, because at this moment there, it is soft the stick to be beaten. I do not speak either periods of reflection which precede a separation.

I say simply that if your spouse feels the desire to get a breath of fresh air with reliable persons and what from your part, you grant him this favor because do not see the interest, then, at this moment there, you reach a shape of love which is much superior to the average.

On one hand, it proves that you show a certain confidence, and on the other hand, it allows to find you better afterward. How many couples live completely suffocated the one on the other one and do not survive this sensation?

Nothing is ever too beautiful for his spouse, even after several years of common life. It is in these moments there that you find the light of the first moments in the eyes of your partner. To agree always on the main part, in couple, allows to go very far. That you are married or not, with or childless, active or redeeme, big moment for two are the journeys, the restaurants, the exits, etc.... In couple, never hesitate to reserve some surprises: a place in the cinema, the flowers, the book, etc..... It is only little gifts, that, put end to end, immortalize love or can revive him.

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Saturday, May 5th, 2012605/ 05 / May / 201215:49


After the birth of a child, love takes a different shape. This is the way the carried looks the one on the other one change, and this is the way the couple can then know of great difficulties in the communication/la sexuality. The psychotherapists of couple can bandage these gaping wounds which can break a couple on the altar of the mutual incomprehension. It is perfectly normal that the first child causes an earthquake in the common life and the more frequent tensions within the couple. The woman quickly passes of wife's status has that of mother, the child becomes the major concern, and, naturally, moments for two make rarer. In purely indicative title, 15 % of the breaks result from the birth of the first child, 90 % of the couples recognize that their sexuality degraded after this happy event.

The solutions to these problems are several orders, they pass especially by moments of discussion in private before the frustrations do not burst angry.

The space which is occupied by two persons influences the mental, and on the rebound, the blooming. It is the case at the child, but also at the adult. If you are young city-dwellers both and childless, it will not disturb you necessarily to occupy a loft to the city center of a big metropolis. However, an increasing number "of provincial" turns away from this lifestyle which can be felt as very oppressif. Indeed, big cities are stressful, the traffic is dense there, and the air is polluted. There are all the same some undeniable advantages to be lived in urban zones, because this lifestyle gets the feeling that everything can be very easily obtained, of the food to multiple services (medical, social, festive, etc. ...)

In couple, it is necessary to agree on the essential things: do you prefer the campaign or the city? Can my spouse really comply with my requirements regarding living environment?

The money is very certainly the most common motive for quarrels in a common life and represent one of the first causes of separations. Before installing you for two, put clearly cards on the table and define clearly the foundations of a healthy management, which will already allow to avoid the possible conflicts.

Three scenarios can appear.

=== > 1 ° your spouse gains nothing, not much or is in the unemployment (come to my place, I live at a friend's ...)

=== > 2 ° your spouse wins very clearly more than you

=== > 3 ° income is about equivalent

In the case n°1 and n°2, it is better than the spending is distributed in proportion to what each gains. It is a fair distribution, and a way of giving responsibilities the other one face to face of its spending and his income. However, a feeling of inferiority can be born at the one who wins least, it is then advisable not to display its means and "to pull him upward" in the stimulant to be gained at least so much. The total fusion of the accounts, in these cases there, seems logically risked enough and can appear as agitator to the eyes of the spouse in the case n°2.

In these first two hypotheses, it is better to have two totally separated accounts, and a joint account for running costs (gas, electricity, water, etc. ...). If there is possibly a surplus on this account at the end of the year, then the money can be used in other purposes (restaurants, journeys, etc. ...).

The case n°3 stays naturally what is made of better. But even in this case there, conflicts can arise in case of totally merged accounts. Think of keeping always a secret garden regarding personal finances, it will allow you not to have to justify yourselves systematically of a made spending!

If the money grew in gardens and was easy to obtain, it would come out. For my part, I always look for this plantation and at the moment, I found only seeds.

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Wednesday, April 4th, 2012304/ 04 / April / 201217:30

pare choc

Generally, objects are for me in sources of constraints, especially the car. I have a point of view cut enough on the ownership of a vehicle: he is generally expensive, even very expensively to possess it one. Indeed, the regular interview of an automobile pulls often very high spawns, without counting the cost of the gasoline which flies from records in records. I shall not speak here about the route made to go to the work, although it is perfectly justifiable to want to decrease its transport costs in this case precise. Except this particular case, thus, privilege every time several actions to be made when you use your vehicle, this to make profitable your travels. Rather often, moreover, I sometimes to arm myself with a beforehand established list of things to do, what makes me win a considerable time.

By convenience let us call the place where from you leave "the point A", whereas "the point B", he, will be the place where you have to go with your vehicle. Draw then an imaginary straight line between these two points. It, a lot of people do not know how to make him, because we sometimes lost any professionalism, and it is good it's a pity, because it could avoid us many useless routes!

Enter "this point A "and" this point B", wonder if, along the way, you would have no something to make of private individual, as to see a friend, to go to post of the mail, making you in a store ... etc.

The arrival "to the point B" is marked by what you decided to make. However, never let us lose sight that other things can be later made or before this formality, that you will make in feet. The principle remains the same, especially if you do not often come to this precise place, except that this time, it is the axis of car park of the vehicle that serves you as mark to attend to your activities.

"Evoked techniques" higher stick perfectly on the need for the private individual, which will so have the perfect control of three extremely important parameters of its common life: its time, its money, its space, because the application of these techniques simplify largely the everyday life. However, and as I evoked him in introduction, the use of a vehicle which belongs to us is not necessarily the panacea for all the problems of travel: administrative complications (formalities of insurances, purchase, car registration document), interview, damages, etc. ... the concerns caused by the simple ownership of a vehicle are many and varied. And then, we are for the era of the digital communication, and our material presence is not necessarily indispensable any more for simple tasks.

The leasing == > for a monthly lump sum, the leasing gets you a certain peace of mind because you do not have to care any more about formalities concerned to the ownership of a vehicle, besides the economic aspect of this formula which turns out often very advantageous.

The rent enters private individual === Http: // ouer-sa-voiture-entre-particuliers-8236 2288.html >

The ride sharing === > very convenient means to share spawns of gasoline

The eco-conduct ==== Http: // o-reduire-sa-facture-avec-l-ecoconduite-72924201.html >

Particular case: the electronic means of communication

I have an anecdote there above, rather talking. As many subscribers know him, last year, I renegotiated my property loan. To renegotiate a property loan implies however to meet the banker... And I can say you that I moved at his home at least four times, while it is not "the door close by". When he asked me to go back nth time to return him a signed form, I really believed that I was going to become totally mad. Thus I initialed this famous document and I asked he if I could send him by e-mail having scanned him... The worst, it is that I had no it thought never previously, and that the result, for him, was strictly the same!

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