Posted by: admin in Personal Finance Software on September 3rd, 2010



You can think that it is easy to recognize excessive personal spending when you observe someone buying goods and services according to what appears to be an extensive appetite of wants. This observation maybe true, but is at risk of passing judgment, and perhaps not having enough information about the person being observed. A better approach is to evaluate personal spending within the context of fulfilling a desired goal and then decide if the spending pattern can support the resource need to accomplish the desired goal. The following is a basic plan that can quickly help you to determine excessive personal spending.

1. Establish a future reference by visualizing your desired position three to five years from today. It is best to establish the long-term position first before the short-term in order to remain focused and motivated

2. Write down this visualization in a statement titled”Vision Statement” and include a projected emotional response as you journey towards fulfillment

3. Write an achievement goal that is essential to realizing your vision within each of the following areas such as: Social – e.g. Marriage, or Children or a major vacation or a visit to at least three continents; Educational – To receive an advanced degree or certificate or Career change; Financial – Double household income or Start a business or Establish a fund for your children education; and Personal health -Actively engaged in the practice of “good” health habits

4. Project the dollar amount that will be needed to achieve your goals and realize your vision within three to five years

5. Determine your current spending pattern/month to see if you will have the resources or if you will need to make adjustments in order to realize your vision in three to five years

This step by step method allows a self-evaluation for determining your spending pattern and provides data for you to decide if you are spending excessively.

Posted by: admin in General on April 14th, 2010



The view of health by Native Americans is both all encompassing and thoughtful. Traditional medicine can play a more stoic and relentlessly lend to the scientific approach, but Native Americans have a more holistic outlook.

Health is viewed as a balance or harmony of mind and body. The goal is to be in harmony with all things, which means first being in harmony with oneself. Harmony is thought to neutralize problems and help one’s life to become beautiful. Good health makes it easier for all people to do their part in the universe, to serve others, and to fulfill their personal life visions.

Life is considered in all of its dualities: winter/summer, cold/hot, day/night, mind/body, spiritual/physical, work/play, and so on. Native people believe that the two sides of everything deserve equal attention and that both should be nourished with love. A healthy person who is walking in balance is energized and alert, and even in the presence of disease will still feel alive and fulfilled.

Traditionally, Native American people lived long, happy, healthy, and balanced lives. They did everything to respect and honor Mother Earth and the Great Spirit. They ate wholesome food and considered all food to be blessed as a gift of life from the Creator. They got up with the sun and went to bed with the moon. Exercise was a natural part of their lives, integrated into daily activities. These good health habits, a sense of joy, and a purpose in life are key factors for living into old age.

Illness occurs when balance is disrupted. It is believed that most illness begins in the head and that people must get rid of ideas that predispose illness. If the mind is negative, the body will be drained, making it more vulnerable. When people open up to the universe, learn what is good for them, and find ways to be happier, they can begin to work toward a longer and healthier life. Many ancient people had ways to get rid of this negativity. The Mayan people of Mexico would stand in a stream of flowing water and talk out all their angers, fears, sorrows, or troubles over the water. The moving water would take all the emotions they poured out of themselves into the current and away from them.

Role of Medicine Women and Men

Although they are the primary care providers in many places, the responsibilities of medicine women and men go beyond healing illness. They also evaluate advice and treatment given by other health care practitioners. They often have a strong influence on the acceptance or rejection of the treatment plans from conventional health care providers. They may also function as tribal social mediators, dispensing traditional wisdom and suggesting action. Medicine people reaffirm and strengthen tribal identity through the recounting of myth and song. They have an extensive knowledge of their communities and of family relationships and interaction. They are the formulators and teachers of the old religion and creators of the new. Medicine people are figures of authority and awe as instruments of the Creator.

In conclusion, keeping all things in balance and retrospect is a simple foundation and simple approach to maintaining good health and a healthy life.