I have launched an APP called "Spendless- Slashing Expenses"
https://play.google.com/store/apps/details?id=com.spendless.app
It records you cutting back on expenses and adds them up to reach a goal.
The idea came to me at work when ordering coffee. I could take in my own coffee. This would save £1.10 every cup. If I recorded all these £1.10, how much could I save?
If I did the same with bringing in my own lunch as well. I could save money.
But I wanted an easy way to track these little saving by cutting expense, towards a bigger goal like buying a new smartphone for £100. Something in my hand and at a click of a button
So the app came to life. You click every time you make a saving and it adds the money save towards your goal.
You can track your goal and it will tell you once completed.
Simple. The App is FREE is give a go and start saving today.
Monday, 7 May 2018
New APP - Spendless - Slashing Expenses
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P.A.Ross
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Friday, 5 October 2012
Book Review – 99 Ways to flood your site with traffic
Click link to see book at amazon.co.uk
99 Ways To Flood Your Website With Traffic
Click link to see book at amazon.com
99 Ways To Flood Your Website With Traffic
Book Review – 99 Ways to flood your site with traffic
Rating 4 Stars
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Labels: bookreview, seo, website
Book Review – How to make money with twitter
click on link to see it at amazon.com
How To Make Money With Twitter: A Complete Guide To Twitter Marketing And Monetization (Get More Twitter Followers And Make More Sales Online With Social Media, Sell More, Web Traffic)
click on link to see on amazon.co.uk
How To Make Money With Twitter: A Complete Guide To Twitter Marketing And Monetization (Get More Twitter Followers And Make More Sales Online With Social Media, Sell More, Web Traffic)
The best review for this book would be in 6 months time after you implemented all the ideas and showed the money earnt and time spent against the cost of the book. I will be implementing these ideas to get traffic to my blog.
Rating 4 STARS
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00:37
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Thursday, 5 July 2012
An update to my wealth Management post. Things I have done and incorprated into my life.
I followed up on the informtaion and insights I gain through reading "Rich dad, Poor Dad".
I have tried to gain myself a financial education. So I read about taxes. Most of it didn't apply as I work for a large employer and everything is PAYE. But I do have some shares that I had to pay extra tax on the dividend. Through my studies I discovered I could have a self select ISA in to which I could put my own shares. I always assumed a shares ISA had to be the products offered and I had no choice. Now I have transfered over my shares into this ISA I don't have to pay out the extra dividend. Money saved and books paid for themselves already in one move.
Made sure I got all my work expenses in, logged and tracked. Cashback through the credit card on those purchases.
Cashback credit cards now on both joint and personal accounts. Nectar card being used, even online to boost points up for the Christmas spend. Work wants us to do more home working, excellent less fuel to pay.
Bought some ishares bonds and recieve a some money every month.
Buying shares through the company scheme pre-tax. So theoretically making money on each purchase, but they are in trust for 3 in order to keep the pre-tax benefit. This is along term strategy, but hopefully will be worth it in a 3 years time.
Sell on ebay of old stuff in the house we didn't need anymore and raised £250.
Started lending money through a crowd sourcing website zopa. Put in the £250 made on ebay plus a dd of £20 per month. Loans are 2-5years, so again a long term strategy, but intend to keep adding in extra cash. Money made is re-invested.
Cut back on spend in the house. Got a membership for costco and have been able to buy some stuff in bulk and store in garage in order to save money.
Finally I have written a book. Its advertised at the side of the page. This is very long term project. I tend to keep writing a couple a year and build up list. Its hard work to write and even harder work to market. I have done this through self publishing on amazon. Self publishing and the book market is extremely competitive. However, I do enjoy writing so will carry on with it in the hope I get good enough and build a fan base. If I can do that these books can earn me money in the background, the perfect passive income. If after a few years I have a good enough reputation I may offer editing and proofreading services that I can do in the evenings or weekends.
The list grows of things I am looking into. However, time is the biggest factor at the end of the day. There is only so much of it so need to use it wisely.
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Monday, 12 December 2011
Euro zone
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Friday, 2 December 2011
learning from work
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Thursday, 1 December 2011
Is NLP a load of rubbish re-visited
I posted this original on the 31st December 2007. It has been by far the most visited page on my blog.
In fact top of the google search for this subject!!!
Nearly 4 years on I thought I would re-read it and see if 4 years of experience had changed my mind.
I still agree with what I first wrote down and have many experiences to back this up.
I work in a large multinational company as manager. I have tried using NLP on my Directors to get them to change their minds on subjects.
This had little effect as they didn't or couldn't change their minds as it would have been seen to be weak or go against their strategy. What I have noticed is the higher up into management you go the more stubborn they become and less effective NLP is on them.
Also discovered that people can become desensitized to NLP. My daughter for example no longer falls for the double bind and presuppotion of "Shoes on first or toilet first before we go out". She replies with "Neither I am not going out".
I have used NLP to good effect in interviews. However, I tried to write a NLP CV and Cover letter and it didn't work as well as it relied too much on NLP and not enough on selling myself properly. I bought a NLP CV and interviews book in the end that helped get the balance right.
NLP in the written work and NLP in speech are different things. A lot of NLP was created around objection handling and therapy, this works well in a conversation as the interaction provides the spark. However in the written word doesn't work so well, best then to concentrate on the positives only using embedded commands, presuppositions, sensory language in order to convey your message.
NLP I think is a helpful guide and useful addition to your communication skil, but it isn't and shouldn't be the only way you communicate.
Posted by
P.A.Ross
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05:34
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Labels: NLP
Wednesday, 30 November 2011
Wealth management
Saw a program on the tv last night about wealth creation and wealth management. very interesting I think I will definitely be reading "rich dad, poor dad", have know asked for it for Christmas. Basically the premise being you re-invest your money into assets that then generate you additional income. You save in the early years re-investing again and again for the pay back to come later on with passive incoming. The examples they showed were mostly people who have done this through the property market through rentals. Pre -recession this was probably easier, get a mortgage buy a small property rent it out and use the rental to pay off the mortgage. Creating a property that becomes more owned by you as time goes on, plus hope for market value increase as well in order to sell off at some point and re-invest again. Harder in today's market to get buy-to-let mortgages, however rental rates have increased and more people need to rent due to increasing housing market, which is probably inflated due to people investing in property. May still be a way forward if you can afford it to start off with.
I suppose passive income doesn't have to be just property. Shares create dividends, interest on savings accounts, isa & google adsense. Some effort involved in setting up google ads and something for them to appear like youtube or your own websites. They can generate income after the event. Isa and savings the same less risk, but also less incoming coming back. Shares more risky again, but better return in terms of dividends and possible share price increases. If an author or musician your previous works out on the market may continue to earn you income in the years to come as well. They could be seen as an asset in this sense. Has made me think about my income and what I do with it.
I have have been dabbling in other areas of passive income as well. Zopa a crowd sourcing money lending site. You can lend your money out and get a high rate of interest than savings with a bank etc. There is a risk involved and fees to pay hence why I am testing it out.
Also crowd cube a crowd source dragons den/investment angel web site. You get give funding to start up companies and get shares. Obviously a longer term investment and much risker again, but interesting to read the pitches and a chance to get in at the ground level of a new company. Again I am testing it out with to get an understanding.
Also little things you can do like cash back credit cards is a form of passive income. Reward points another way of earning a very small but passive income for very little effort.
Years ago I worked out if I never went out, no holidays, saved all my money and stayed in the same property, I could slowly amass a large amount of money that I generate interest from in savings accounts or re-invest. Instead I choose to have holidays, bought a motorbike, moved house twice (have made money on these, but it only on paper as won't downgrade) had two children (very costly). I haven't put aside lots of money to re-invest. However I could start now as have some world experience and knowledge and ideas on how this could be done. Building up a fund for Uni education I suppose long term, for my children or preparing for retirement as I don't trust pension funds.(in my mine they are encouraged so greedy bankers can use your money to gamble on the stock market). I am going to write out a financial strategy and stick to it for the next few years to see what I can generate.
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Friday, 25 November 2011
More trouble at the RFU
England Attack coach Brian Smith has resigned. Feedback from some of the players was he had no ideas. He asked them for their opinions and wrote them up on a board.
Well a I would have though a good coach would canvas his players and get them involved in the decision making.
get them to take ownership of the way they play.
Get an understanding of what it is like on the front lines in the modern game against these teams.
Some England players said it lack imagination and was lackluster. However, I believe England was the top try scoring nation in the 6 nations over the last two years. Won the 6 nations last year. Not that bad then!!
Feedback is important and should be accepted for what it is and that is a opinion of that person based on their perspective. Its not right or wrong.
It should be accepted and those involved develop from it to communicate better or improve their skills. It could have been an explanation as to why he ask for peoples ideas would have helped those giving the bad feedback.
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Labels: rugby
Thursday, 24 November 2011
RFU Leaked report. Who benefits??
You have to wonder who benefits from a leaked report.
The players!! No its bad news for them.
The coaches! no!
The RFU management, yes. The leaked report firmly blames the players and coaches for the lack of success.
The leak really helps Rob Andrew out as many people been asking what he does! Why isn't he to blame.
What did Rob Andrew ever achieve as the Newcastle manager. Not a lot!!
Players will always negotiate about pay. We haven't heard both sides of the story and unlikely to now.
Yes I am sure some players are at fault but this leak doesn't help.
Will the players want to take part in a review again and give honest feedback. NO not if the RFU management use it shift the blame.
The England team and the RFU is suppose to the pinnacle of English rugby. Where as the premiership clubs are professional organisation the RFU is still run by amateurs. This does make sense. RFU management wouldn't last 5 minutes in a premiership club or any big company.
Time for a change within the very structure of the RFU. I would like the premiership clubs to create a new RFU and England team even if meant a few years of being out in the wilderness. It would long term be better for the game as the RFU is a shambles.
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Tuesday, 14 June 2011
Hay fever strategy
1) Just tablets including Priton 4 times a day - Worked the first 2 years then stopped working. Made me very sleepily and had to counter act with lots of coffee.
2) Chinese herb medicine - tasted disgusting and I developed a chest infection.
3) Other hay fever tablets - occasionally worked had more effect later on in the season
4) Honey or honey bee tablets - had some effect dependent on the amount taken. about 20% effective reduction in symptoms.
5) Hay band - acupuncture band - surprisingly worked quite well. reduce effects by about 20-30% works really quickly. Only down side is in the Sun with short sleeved t-shirt and band around your elbow. People keep asking whats that?
6) Realised the itchy eyes was down to dryness caused by the hay fever and rubbing of the eyes. Put on moisture over my eyes too soak through during the day as and when felt needed. It seems to soak through the skin and keeps the eyes well moisturised and less itchy. Also seems to create barrier against the pollen. I used Vaseline. Works incredible well. I also rubbed a small amount into the inside of my nose to give the same effect.
7) Hayfever Eye drops - works great at giving moisture put in to the eyes and clearing out the pollen. This acts as a quick hit to itchy eyes where as apply moisturiser is a longer term solution.
8) Nasal spray - works well now my hay fever has lessen. When hay fever really bad this just seemed to irate my nose more.
12) Change of diet. Although wet this year and pollen lower than normal I still have bad days, or bad morning. I have discovered this is down to diet. Certain foods inflame your system and certain foods are anti-inflammatory.
Foods and drinks to avoid.
http://theconsciouslife.com/top-10-inflammatory-foods-to-avoid.htm
Alcohol (red wine is especially bad. I have been told to try organic red wine as it doesn't contain sulphates)
Diary
Good foods
http://nutrition.about.com/od/dietsformedicaldisorders/a/antiinflamfood.htm
Turmeric
Flax seeds
Prevention
Desensitisation kit was good as it has grass extract, but I looks like I need to take every year.
What to do.
Easiest steps are:-
The change in diet.
Drink plenty of water.
Mositurise eye lids and inside nostrils
Then work out what treatments may work
Pills, sprays, eye drops.
Hayband
Desensitisation kit
Pollen tablets
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Tuesday, 26 April 2011
Update on creating actions and following through
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Labels: actions, hiit, value tree
Tuesday, 12 April 2011
Turnaround
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Labels: lessons learnt
Monday, 11 April 2011
I am BACK
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Tuesday, 7 October 2008
marmite fridge
The other day I was having some toast with marmite. I was on the way
back to put it in the cupboard when my wife happen to say the word
,"Fridge", as part of our conversation.
I walked straight past the cupboard and went to stick it into the
fridge. As I started to open the fridge I realised I was putting it in
the the wrong place.
I realised what my wife had said and the effect it had on me.
I guess it worked as a pattern interrupt as it stopped my train of
thought and put in its place the message fridge which directed my
towards the fridge.
Is this how weird things end up in your fridge and in the wrong places
in your house because through a separate train of thought or a
conversation running at the same time mis directs you to the wrong
place?
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Labels: pattern interrupt
Monday, 6 October 2008
Genuine Understanding only comes from Experience
Received a great picture message this morning of my daughter building
a couple of lego towers.
Why is that great you are probably thinking? and what does it have to
do with NLP.
last weekend she wasn't really doing much with the lego, but this
weekend I spent a lot of time with her building lego towers. Mostly me
building and her adding in the odd piece. It seems to have made an
impression as today she is building her own lego towers without any
help. Why NLP? Well made me think of the NLP presupposition.
"Genuine Understanding only comes from Experience or learning is in the act"
You can read all you like, and talk to as many other people as you
like, and you can watch other people doing something on video, DVD or
film - but you don't really understand something until you personally
have done it."
This was definitely the case. The learning came from the experience of
building the towers with me.
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Wednesday, 10 September 2008
more feedback
So Andy Murray learnt from his game against Nadel at Beat him in the
US Open. Definitely a case of taking it as feedback not failure.
Although he lost to Federer in the final he now has experience of a
Grand Slam final.
He said in his interviews that although upset to lose you only get
better my playing better players, losing to Nadal and federer has
shown him the weakness in his own game that he will need to eradicate
if he is to become the best in the world.
His behaviour shows he lives some of the NLP presuppositions
"There is no such thing as failure, only feedback"
"Genuine understand only comes from experience"
Whether this is intentionally or he just has a positive mindset I don't know.
On a personal note at work some of my predications on the state of the
department seem to be coming true. I said that the new structure was
set up for failure, (not feedback ha ha). They under estimated the
work the some of the managers did and by changing our job are starting
to realise that something is now missing. The management level above
now get all the work and hassle we use to deal with and it is clear
they can't cope.
They are trying to pass some of the work back to us again, but they
are getting a strong push back. They changed our jobs they can't have
it both ways. So now they are trying to get some of the team members
to pick it up instead and again are getting strong push back. People
are wise to this style of management now, the have their cake and eat
it approach. They want the work done but won't pay you for it or
recognise you for it. At the end of the day I have contract with the
company I work for, just as they have a contract with their suppliers,
vendors and customers. I do what I do as a business decision, this is
the same terminology they us when making excuses for redundancies or
small pay rises. It seems however they don't like their own excuses
bounced back at them when giving reasons not to work outside your
contract.
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Tuesday, 9 September 2008
Getting back into it
Got back into some NLP yesterday. In a managers meeting always a good
place to spot and use NLP.
For starters my director always sits in these meetings with his head
in his hands. He always seems totally bored by the meetings. Around
there are a number of people try to suck up always giving everything a
positive spin and try to put them selves out or getting others to do
the work for the him.
I had a little discussion with them yesterday and used a few Sleight
of Mouth patterns. Realised I could have used more after the meeting
but to be honest I was only doing it to wind them up a bit and I got
the desired effect very quickly. I think telling one of the managers
"we should be working smarter not harder", was a treat, he sat in
silence for quite a few minutes before coming out with a whole load of
drivel that I couldn't be bothered to counter, as I don't really care
about the job anyway.
I think I need to finish up the book I am on, I have written a goal to
complete by October and the final bit will only take a week to
complete. After that I will re-read the Sleight of Mouth book again
and work out some exercises.
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Wednesday, 3 September 2008
plans for the future
Signed up to a number of NLP rss feeds the other day. Something to
read on a daily basis to keep my interest going. Got through nearly
all podcasts I can find on NLP just waiting for the good ones now to
post new episodes.
Going to try and practice NLP every day at the moment and record the
results, not reading up on anything new at the moment want to
concentrate on what I have already learnt and give my self a break
from reading at the moment. Very nearly finished the NLPbook will only
take a few more few to complete so will be well done before the initial
completion date I set myself and the subsequent revised date as well.
I have a couple of book s that will assist in my practicing of NLP
once I get stuck back in again.
This blog was always suppose to be about strategy, politics and NLP. I
have concentrated on the NLP part and have written a goal to write
100 blog entries on NLP before I moved on. I am on 34 blog entries
since setting the goal, so only a third of the way at the moment.
Posted by
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Tuesday, 2 September 2008
Ploughing along
Not sure what to blog about today. Been off ill on Thursday to Sunday,
with my outstanding issues at work I have tired to keep myself
detached from the rest of the team. I don't want to get to involved in
case I leave. So not really using my NLP to its fullest at the moment,
just a little bit of mirroring etc in meetings and conversations as
per normal. Still reading through the book and got to an interesting
section on giving and receiving feedback. I wish I had read this
properly before, never mind I will take that as feedback not failure,
ha ha.
Its a skill I need to develop for my future career, but the again the
opportunities aren't really apparent at the moment. I think I will
write up and keep with my other notes so I can use it when necessary.
I think I am getting somewhere with my case at work, I have found more
evidence to support my point of view. Plus in a meeting the other day
when I discussed with my new manager about this role there seemed to
be a softening of his belief in that the job was significantly
different. He had only just met with the person running the
investigation a few hours before so I wonder if this shift was down to
that meeting.
Any how I have heard he has met a number of the people involved so
should hear in the next week or two.
I will use the in between time to practice NLP where I can or observe it in use.
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02:56
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