What make you happy? Do you feel happy when someone comments on your blog? Do you feel happy when someone joins your community? Do you feel happy when you listen to music? What make you sad? Do you feel sad when someone you love break up with you?

What Make You Sad?
I feel sad when someone look down on me. They would think I am lazy and retarded. I feel sad when people don’t serve me food because I am different. People sometime judge you the way you look but hardly on what type of person you are.

What Make You Happy?
I am happy when I make money in stock. I was very happy when I bought Visa at 64 and now the stock is at 82 dollars. When you make $1000 in 2 months without using your hand it feel great. I feel happy when someone comments on my blog. I feel happy I found new friends. What Make You Happy?

Final Thought
There will always be someone that tells you that you’re a loser and nobody. You don’t have to listen to them. You can prove them wrong because you’re unique. Learn to channel the negatives and throw them away. Learn to channel the positives and keep them in your heart.

First Published: May 14, 2008@19:38

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I didn’t really think that setting up an emergency fund was necessary until I was off for a month. I had to resolve into using credit card just to pay my car insurance. I had only $300 in my saving account. I got panic and didn’t really know what to do. I finally save $1000 for my Emergency Fund. I don’t know what situation you are in now, but I know that putting at least 5 months of money in an Emergency Fund is a wise decision.

You Could Get Fire Any Day
I deal with customer a lot doing networking. If I say something wrong and the customer report it to my project manager, then I can be written up or get fire. You can never think that you are safe because you have work. Work is not a backup for when things goes wrong. If you cannot save at least 5 months of saving for emergency, then you should at least save $1000. I didn’t work for a month but I was happy that I have some money save to supplement my paycheck.

Unexpected Things Always Happen
You never know when you car is going to break down. You friend might tell you that he is going to have a wedding. You could lose your job tomorrow. You will always have a rainy day that is a fact. You could lose your house if you don’t have work, and can’t pay the mortgage. We have to set aside some emergency to counter these unexpected events. When you are saving for emergency, you should only use that money for emergency. Don’t buy your girlfriend $500 phone and say it is for emergency; that is not a emergency. Emergency is when you can’t pay your light bill or mortgage payment. Emergency is when your car breaks down.

You Feel Better When You Have Some Money Save
I guess when your in a hard time and you have a few thousands save for emergency fund; you don’t get a lot of stress on what happening with the economy. Do you agree? When you have money save up for 5 to 7 months for emergency, you feel the sense of wealth. You might not have a million dollar but you feel secure when you set back up for yourself.

Final Thought
If you have not start a plan to save for Emergency, then I suggest you work hard to save a thousand by this month. We can never know what is going to happen tomorrow, but we can always be prepare for it. If you like this article please consider becoming a member and subscribe to get your free blog daily using the RSS feed.

I signed up for the Choice Hotels membership and the Marriott Rewards point membership. I also signed up for Holiday Inn’s Priority Club. I had been traveling for 3 years now. In this article I will tell you what hotels I like best. I like being a member of Choices Hotels. You will find which hotel give you the most bang for you bucks.

Marriott
I have stay at least 5 nights for free by using my Marriott Reward points. I have to tell you from experience it takes longer to get a free night from Marriott. Your point doesn’t expire but you would spend more compare to other hotels that offer free night. I also like the room because everywhere you go the room is always clean. Compare to motel or cheap hotel Marriott is a luxury that is aim mainly for business travelers. Do you prefer the Marriott and if it is then are you a Marriott Reward point’s member?

Holiday Inn
I like to stay at the Holiday Express but not the Holiday Inn Hotel. The only reason that I like to stay at the Holiday Inn Express and not Holiday Inn is that the Holiday Inn building is mostly old and run down. Holiday Express is mostly new and the bed is very comfortable. Holiday Express can be compares to Marriott ’s Fairfield depending on what Holiday Express you stay at. Do you like to stay at the Holiday Inn Express more than Comfort Inn?

Choice Hotels
I like to stay at the Comfort Inn or Comfort Suites. I don’t like to stay at the Sleep Inn because the room is very smart, and you have to slide the door to close the bathroom. I also don’t like to stay at the Quality Inn because some of the hotel is in bad location. You see the Comfort Inn and Comfort Suites in a business location because it is mostly aiming at the business travelers. The only thing I don’t like about Choice Hotels is the hotel franchise owner doesn’t like to put your membership number into the system for you to earn points. Your points expire if you don’t use it by the end of the year but you earn free nights faster than any other hotels.

Final Thought
I now stay at the Comfort Inn or Suite because I can receive free night faster compares to Holiday Inn or Marriott. The reason that I picked these 3 names is because they tell you about their rewards and free night promotion. Hotels such as the Hilton or Carlson hardly tells you that you can earn free night by becoming a member. Marriott doesn’t promote their reward very well. The only hotel that put some money into promoting their rewards is Holiday Inn. Choice Hotels doesn’t even give you a member card. Holiday Inn gives you a membership card like a credit card. Marriott just give you the membership card made from paper.

I am no different from many people. I am in debt. I am in $6000 credit card debt now. I can pay it off within 6 month if I do follow these 5 steps. I must identify the problem. I must put a freeze on my credit card. I also think that you should have at least $1000 in emergency fund in case you lose your job.

Identify The Problems
The common problem that people have is that they can’t stop spending. You partner might be part of your problem. You need to know if you girlfriend is a type of person that see things and must have it now. You need to tell her this has to stop because you’re really in debt. If she doesn’t care then she is just using you for your money. You need to know what is stealing your money from your wallet. How much is eating out with your girlfriend? How much is gas costing you when you go see her if you have long distance relationship? How much is hotel costing you? Create a spreadsheet and identify what is costing you.

Freeze Your Spending On Credit
Don’t add more to your credit card balance because you can never get it pay off. Put you credit card away, and hide it from yourself. Put it into a safe so you don’t even touch it.

Use Cash For Most Of Your Spending
Put a sticker on your credit card and remain yourself that this is only for emergency only. Learn to break away from credit card by using cash to pay for most of your spending.

Have $1000 At Least In Your Emergency Fund
This $1000 should only be use for when you are running late on payment or lost your job. What ever you earn in the future should be use to pay of your debts. I recommend that you pay on the one you own the least amount. If you own $1000 in one credit card, and the other in $5000 in another credit card, then I want you to pay the $1000 first so you can get a quick victory from combating debts. The reason for it is that you are making progress when you start from small to big.

Learn To Use Cash Instead Of Credit Card
When you are so use to paying most of your items with a debit card or credit card, it is very difficult to pay in cash. Start using cash every time you spend and see what different it make.

You want me to read your post? Make it readable. Don’t put every sentences in one paragraph and expecting me to read it. I have to really like your post. If you’re going to blog make it readable so that it is not hurting my eyes. I hate when bloggers put everything in one paragraph. I would look at your article but won’t even read it because you put everything in one paragraph.

Make Your Article Readable & Add Picture
There is nothing a readers hate more than having to read everything in one paragraph. If you expect me to read on the thing your writing about, then put some work into it. Make 5 sentences into a paragraph instead of having everything in one paragraph. Don’t just put words add some picture on it because picture tell a thousand words.

First Look, The Article Is Just Too Long
Your article should be around 5 paragraphs but no more than 7 paragraphs. I don’t want to spend 20 minutes just reading your 10 paragraphs article. Your article should be unique; don’t give me another how to make money blog. What make your blog unique and special from other how to make money blog? I wonder how many blogs have the title “How To Make Money Using Google Adsense”?

You Expect Me To Become Your Member?
You wrote 1 article on how to make money using Google Adsense; and you expect me to become a member? You must be joking; what make you different from the hundred how to make money using Google Adsense? You have to think of blogging as a business that you found. Don’t tell me that your the founder of buttnut.com, because any dumb dumb can create a website. You would put empty advertise box, so I can advertise on your blog. You don’t have anyone reading your blog, and you want me to advertise on your blog? You must think I am stupid or something.

Final Thought
I hope that my article doesn’t offend a lot of bloggers out there. I am telling you the truths, and I know it hurt. Don’t be full of yourself because you are not writing this for you. You’re writing it for other people to read. Take the negative and positive feedbacks and improve on it

First Published: April 28, 2008 @ 18:10