Ways to Stop Wasting Money on Insurance and Warranties

Ways to Stop Wasting Money on Insurance and Warranties

We recently suggested ways to Stop Wasting Your Money with These 8 Simple Tips, a topic related to Rule 7 of the Personal Kaizen 10 Rules for Life. Our third tip was to only purchase insurance and extended warranties when there is a legitimate risk of a loss that you cannot pay for otherwise. Here are more details on ways to stop wasting money on insurance and warranties. Wasting Money on Insurance The purpose of insurance is to protect consumers from losses they cannot pay for otherwise. Liability insurance protects you from large expenses (life, property, healthcare, and lawsuits) that…
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Find Financial Peace by Living on Less

Find Financial Peace by Living on Less

Check out our Personal Kaizen Motivational Monday quote! Dave Ramsey is a personal finance personality, New York Times best-selling author, and businessman who has practiced living on less for many years. We hope you enjoy this quote where he shares how to find financial peace! "Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this."dave ramsey Our upcoming Personal Kaizen post will share a wealth of knowledge about various insurance and warranties and how to stop…
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Debt Reduction: Pay Less Interest and More on What You Love

Debt Reduction: Pay Less Interest and More on What You Love

We recently suggested ways to Stop Wasting Your Money with These 8 Simple Tips, a topic related to Rule 7 of the Personal Kaizen 10 Rules for Life. Our fifth tip to stop wasting money suggests avoiding paying interest whenever possible – a challenge for most of us since over 75% of American adults have some form of debt. Here are common forms of personal debt and some ways to pay less on interest. America’s Debt Problem Americans like to borrow money. The total debt balance in the country continues to grow every year. Interest payments on this debt will…
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Stop Wasting Your Money With These 8 Simple Tips!

Stop Wasting Your Money With These 8 Simple Tips!

Rule 7 of the Personal Kaizen 10 Rules for Life is to be rich, spend money on what you love. We suggest spending money extravagantly in areas of joy and cutting your costs elsewhere. With a recent increase in inflation around the world, we want to help you stop wasting your money with these 8 simple tips! 1.    Overspending and Overbuying Decide on several things you value spending your money on and avoid overspending on everything else. Be willing to change your values based on where you are in your life. For example, when our kids were young, we prioritized…
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Brain Hack 3: How To Calm Down and Reduce Stress

Brain Hack 3: How To Calm Down and Reduce Stress

Our previous post shared a brain hack that improves your mood instantly. Brain hack 3 will also improve your mood by helping you calm down and reduce stress. This hack can be used anytime you notice that you are feeling anxious, nervous, or overly stressed. How Stress Affects the Brain and Body Stress affects all systems of the body, especially the nervous system. The first part of our brain to form is the limbic system, responsible for our fight-or-flight response to danger. The nervous system responds to stress and danger by forcing shorter, more rapid breaths that will provide us…
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Brain Hack 2: Easily and Instantly Improve Your Mood

Brain Hack 2: Easily and Instantly Improve Your Mood

Our last post shared a brain hack that will help you feel more alert and awake in only 15 seconds. This hack is even quicker and simpler. If you are feeling sad or down, all you have to do to feel better is force a smile and improve your mood instantly! Neural Loops in the Brain The human brain uses neural loops as shortcuts in thinking. Many of these loops are innate, meaning even babies do this without being taught how. For example, try holding your breath and tell your brain not to take a breath. Our brain circuitry is…
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Brain Hacks: How To Trick Your Brain for Maximum Effectiveness

Brain Hacks: How To Trick Your Brain for Maximum Effectiveness

Our last post explains how to use the power of our subconscious mind and visualization to help us achieve positive outcomes. This is the first lesson in a Personal Kaizen topic on brain hacks - simple ways we can use neuroscience to trick our brain for maximum effectiveness. I’m about to share a brain hack that will help you feel more alert and awake in only 15 seconds! Our Incredible Brain I first began studying the workings of the human brain in 2005 after accepting a position as a Director of Operations for a medical device company manufacturing deep brain…
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When You Worry You Visualize What You Don’t Want!

When You Worry You Visualize What You Don’t Want!

I’ve been wanting to share this concept for a few years now but haven’t known where to begin. Rule 4 of the Personal Kaizen 10 Rules for Life is to Live in the Moment with a Positive Mindset. I have too many friends and family members who experience anxiety and worry about outcomes. The problem with this is that when you worry, you visualize what you don’t want to happen. The visualization remains in your subconscious thoughts and becomes more likely to occur! Think Positively Visualization can be a helpful tool for achieving a goal. Simply envision how you will…
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The Continuous Improvement Learning Cycle

The Continuous Improvement Learning Cycle

Kaizen, the Japanese word for continuous improvement, has a long history of success in organizational improvement. The Personal Kaizen movement applies these continuous improvement best practices on a personal level – helping you make small changes to continuously improve yourself. This post shares a continuous improvement learning cycle you can use to experiment and discover the changes that work best for you. Our team has shared our 10 Rules for Life and many simple personal improvement recommendations. Some of our suggestions can change your life for the better, but not every idea is going to be one that makes sense…
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12 Small Habits that will Change Your Life for Good

12 Small Habits that will Change Your Life for Good

I recently saw a new book in my local library that I knew I had to read and share with the Personal Kaizen community. Liquids Till Lunch: 12 Small Habits that Will Change Your Life for Good by MaryRuth Ghiyam is a 2021 release with a title that made me skeptical and a subtitle that made me interested. I wondered – how many of her 12 small habits would agree with the Personal Kaizen 10 Rules for Life? The author is a certified health educator and nutritional consultant with several episodes of personal loss as defining life experiences. This post…
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