A lot of times I am asked about my life and how I accomplish things. “Help! I hear.” Sometimes, I am the one asking for,”Help!”

So today, I decided to do a post about the things that benefit me, and I know can benefit others. These ten things can change your life.

Help! It’s right here.

1. Banks- Banks have a main goal that is to make money and earn interest off their assets. Their goal is really not the customer even though they must pretend that they love      you to death. Banks have high priority for those who are ultra-wealthy and low priority for most of society. They often see the lower-income earners as burdens even though they are glad to have what little money you own to help their bottom line, which is to make money. So with that said, don’t pay the banks! Pay yourself! How do you pay yourself? Invest in stocks, mutual funds, and bonds that pay you interest(money). Avoid credit cards and borrowing! If you don’t have the money, then don’t buy it! Do not give the banks extra money, so that you can have a depreciating (losing money) asset. Think assets (what pads or lines your pocket), not liabilities (things that take away from your money).

2. Insurers- Insurers protect you from liability(responsibility to pay for loss) and protect the things your own(assets). Many times, we do not have the necessary cash flow to pay for huge losses. With that said, buy insurance on everything of value, that you cannot replace with the cash you have on hand. I believe in insuring everything possible.Insurance can be expensive, but the price is small when you have a disaster.

3. Retail purchases and autos- Purchasing anything new is like throwing money away in the trash. Why? Almost anything new loses extreme cash value. Purchase clothes, shoes, goods, and autos used so that someone else can lose the cash value and take the big depreciation hit for you. In return, you are benefiting your assets and helping the environment by recycling. The money saved can be invested so that you are paying yourself.

4. Groceries- Purchase fruits and vegetables that are in season so that you get the best value. Buy dry goods and other items in bulk if you have storage capacity to save money. Buy organic foods when possible to avoid chemically laden food products. Natural foods will save your retirement money for you and not prescription drugs to maintain your health. Avoid most cleaning products because they often do not work as stated and they are hazardous. One can clean and disinfect almost everything with bleach, lemon juice, vinegar, and soap.

5. Entertainment-  Always look for early season bargains on passes to museums, zoos, water parks, amusement parks, etc. The passes allow you to go to a place as much as you want without paying for a ticket every visit. The passes usually pay for themselves within one or two visits. For movies, hit the matinees and save up to 25% per ticket. If you want to take it further, pack your own food. This is always healthier and a huge savings.

6. Health- Avoid all drugs (prescription and illegal) as much as possible. The body hates drugs especially your stomach, liver, and kidneys. Avoid alcohol as much as possible and limit to no more than one drink a day maximum. Eat as many plant-based foods as you want, love and use fresh garlic, and limit consumption of animal products. Diets high in vegetables, grains, and fruits help you to have the power to enjoy life in your senior years and save your retirement money for trips and not prescription pills. At my age, I am watching friends far apart and break down, because they never took the lifestyle choice of being healthy serious. Protect your skin from the sun with sunscreen and clothing for that beautiful youthful look. Drink plenty of water and limit sugary drinks. I would say to avoid all man-made food additives as much as possible especially monosodium glutamate (makes you gain weight)  and high fructose corn syrup (diabetes link).

7. Donate- Donate what you do not need to charity organizations or others. Donate time to help make a difference in the environment or someones life. Donating time, money, and goods are great for the soul and health of the body. Another added benefit is the government recognizes the importance of donating and often many things can be used as a tax write off.

8. Religion- Prescribe to a faith and stick to its teachings as much as possible. I say as much as possible, because it is unreal to expect perfection. Of course, I am bias to Jesus Christ and Christianity, because Jesus washes me clean even though I am a sinner. Many religions base salvation on good works, but you can never have enough good works. It is impossible! We can never be perfect and Jesus knows this. A benefit of religion is added years to your life which is backed by research. It also gives one and improved state of mind and greater outlook on life.

9. Human relations- Listen and watch a person to know their heart and state of mind. Know who they hang around. Unfortunately, not everyone is nice or good. If something is great and another tells you it is bad, then you must realize that person is bad. If committing a certain act is bad and another tries to convince you it is o.k. that person is bad. Great people work to bring you up, help you, and show you good things. Bad people are the opposite because they tear you down, do not help you or your life, and they will show you in the worst way how not to be successful. A rattlesnake has a pattern and rattle for a reason. To warn you of it’s danger! Humans also have patterns and characteristics.

10. Education- I cannot state it enough! Read, study, and learn all that you can about as many topics as you can. Be a renaissance man/woman!

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