Bored? Examine Your Finances

Take out your receipts, check your bank account, and view those on and offline purchases.  What does your spending and saving look like?  For some people who made New Year's resolutions regarding saving, spending, and investing money, they have already lost their motivation.

Get back on track by noting what you have spent money for last month such as: food, clothing, computer, entertainment, housing, donations, and more.  When you see the numbers, you just might want to cut back.  You will also learn that most of what you bought, you really didn't need and you could have saved that money for something you do.

Think about ways to do things better this month.  You might need to cut back on the random snacking, stop visiting people for awhile, and volunteering to help others.  You will also discover that you might be bored during certain times of the month which will cause you to spend more.

There are apps that can help you stay on track when it comes to setting up financial goals.  Maybe you need to start setting aside money for a purchase, a vacation, a holiday, or something else.  Check out what is available in the app store.  Also, note your goals and post where you can see them daily.

Here's an example:

Entertainment (movies, restruarants) - Last month $100. This month cut by 50%
Groceries - Last month $250 household contribution. This month add additional $50
Clothing - Last month $25 for a designer t-shirt. This month no wasteful spending.
Utilities - Last month $100 contribution.  This month, no change.
Savings - Last month $0.  This month take money saved from not going out and add here.
December vacation - Last month $20.  This month and going forward will need to add at least $75 monthly. 
Donation - Last month $5 (will need to start getting receipts for taxes). Next month no more than $20.

You get the point.  You total receipts, then note how much you spent.  You will use the totals to determine how much you will save, invest, donate, etc.  Consider using envelopes for cash or setting up separate bank accounts for your plans.  To your success!

Nicholl McGuire shares other interesting information on YouTube channel: nmenterprise7 and When Mothers Cry.

What NOT To Do When You're Bored

What I Hate About Being Bored

Do you ever find that too many boring moments only make you feel drained, miserable and you wish for nothing but to sleep the time away?  Boredom can be an enemy when you aren't mindful that you are being idle.


1.  You forget about what you should be doing in the moment and then wish later that you had done those things.
2.  Sometimes boredom is an enemy and you find yourself procrastinating, rather than progressing.
3.  Boredom doesn't always bring the results you desire like: peace, happiness, and an answer from God.
4.  You stumble across people, places and things that get you in trouble.
5.  You find yourself falling asleep.


Nicholl McGuire shares spiritual insight on YouTube channel: nmenterprise7

Delete Charge Offs? How to remove them legally....

Looking for Things to Do on Valentine's Day?

Here are some things you might want to do for yourself or with a companion this Valentine's Day:

1.  Check the Internet for local movie, theater, museum, and other recreational event times.
2.  Search for the latest happenings in your local area sometimes there are seminars, trade shows, and more you don't know about.
3.  Go out for breakfast, lunch or dinner.  Sometimes restaurants have Valentine's Day specials.  Ask what the promotions are before you go out.
4.  Download a movie for the family to watch.  Be sure you are well-stocked with snacks and beverages.
5.  Shop at a store you always wanted to visit but never had the time.  Discovering new places in your town is often interesting and fun.  You never know what you might learn or who you might meet.
6.  Be creative, search for something unique to do with family and friends.  Think: new games or devices, arts and crafts, building projects, online shopping, video creation, music, etc.
7.  Take the time to catch up on life with other singles on or offline, family and friends.  You can also use the time to pray together, and/or attend a worship service (see online).

Don't forget utilize online coupons when you can.  There are sites that offer discounts and coupons to local events and restaurants (Groupon is one of them).

If you are shopping online, stop here first and you will receive money back on your online purchases.

Also, enlist the help of relatives and friends if you are having trouble making something happen such as: short of cash, at a lost for creative ideas, need transportation, etc.

Nicholl McGuire shares spiritual insight on YouTube channel: nmenterprise7