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Why does one person get sick while another stays healthy? Why does one person seem to find wealth and prosperity everywhere, while another never succeeds at anything they try? Many believe the answer is luck. We list 8 ways to boost your luck.

For some people, good luck comes naturally. But if you identify with the old saying, “If it weren’t for bad luck, I’d have no luck at all,” there’s good news: It is possible to turn your luck around. A lucky attitude goes a long way, not only making you feel luckier but actually making you be luckier.
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Financial worries are a fact of life for many South Africans. But you don’t have to accept that money struggles will be a problem forever. There are concrete steps that will help you take control of your money by tackling some of your biggest financial concerns.

 

In fact, here are six steps you should seriously consider taking ASAP so you can turn things around if you’re having a hard time managing your money.

 

1. Get on a budget

This is common advice for a reason — it’s nearly impossible to manage your money effectively if you have no idea where it’s going.

You need to figure out what you’re currently spending on, decide what changes you want to make, and give each rand you earn a purpose. As part of your budgeting process, allocate at least some of those rand to accomplishing financial goals.

There are lots of different kinds of budgets. For people facing financial struggles, a detailed budget that deals with every rand is the best place to start, meaning your budgeted spending and saving matches your expected monthly income.

Start by tracking your spending for 30 days to see where your income goes naturally. Then, allocate a set amount of money to different categories of spending and saving, while also leaving yourself a little wiggle room by budgeting between R500 and R1000 for unexpected expenses.

If you can’t make the income and outflow numbers add up, you know you have a serious problem that requires bigger changes.

But, if you’re able to tweak the numbers, reduce spending on certain areas, and divide up your monthly income into needs, wants, and saving, you’re in pretty good shape. Try not to exceed your pre-determined spending limit because a budget does you no good if you don’t use it.

 

2. Cut expenses

One of the big reasons for making a written budget is to identify areas where you’re overspending. If you can reduce outflow on nonessentials, you’ll have more money left over to do important things such as paying off debt and saving for your future.

Some common areas where people can cut spending include dining out, gym memberships, cable TV, shopping, travel, and entertainment. Try working out at home, taking your lunch to work, using coupons, and looking for free events in your area.

 

But if you have a big budget shortfall, you may need to cut more than your spending. Selling your expensive car and buying a cheaper used one, downsizing to a less expensive apartment, moving to a cheaper area, or taking in a roommate are all major cost-saving options that would have a huge impact on your financial situation.

 

3. Save up an emergency fund

If you are living paycheck to paycheck with no money saved at all, of course your financial life feels out of control. An emergency fund can help you regain control while keeping you out of debt.

Emergencies are inevitable, so set aside a good amount of cash to cover them. Ideally, you should have three to six months of living expenses saved up in an emergency fund so you’re prepared for big disasters such as a job loss or serious health issue. But you can start small with an emergency fund — especially if you have a lot of consumer debt to pay down.

 

Include saving for an emergency fund as a line item in your budget and put at least something away for emergencies every single month. Don’t touch the cash in your emergency savings account unless you have a truly pressing financial need that you’d otherwise have to turn to a credit card or personal loan to cover. When you do tap the fund for emergencies, you need to build it back up so it’s ready to help you out for the next expensive surprise you encounter.

 

4. Stop incurring new debt and make a debt payoff plan

Most people who are struggling financially are dealing with debt. If you’re one of them, paying off what you owe could free up a huge amount of cash you can use for other things.

If your creditors are currently charging you high interest rates, or if you owe lots of different creditors, consider refinancing debt using a low-interest personal loan.

Lowering your rate and consolidating your debt makes paying it off much easier. Paying off one lender instead of many can help you send as much extra cash as possible toward paying down debt.

 

If you can’t consolidate and refinance debt, or if you’re still left with multiple creditors, decide which creditors to pay first. There are two different approaches:

• You could use the debt snowball method and pay off debts with the lowest balance first, then shift extra payments to your debt with the next lowest balance.
• Or, you could use the debt avalanche method and pay off your highest-interest debt first, then move on to the debt with the next highest rate.

Both approaches can be effective, with the debt avalanche saving you the most money, but the debt snowball can help you stay motivated as you see debt balances disappear.

 

Once you’ve paid down your debt, make a commitment not to go into debt again. You can do this by living on a budget and having a robust emergency fund to pay for the unexpected expenses that crop up.

 

5. Earn extra income

You can only cut spending so much, but there’s no limit to the extra money you can earn. Asking for a raise, taking on a side hustle or joining the gig economy can boost your earnings substantially.

This extra money can be used for debt repayment, savings, or giving you enough cash to cover the essentials.

If you plan to ask for a raise, come prepared with evidence of your professional successes and, ideally, with data showing others in a similar position are earning more. If a raise isn’t justified right now, ask your employer how you could earn one in the future.

The company you work for will likely be happy to see you’re taking initiative and will provide you with insight into new responsibilities you could take on or skills you could develop to advance your career and move to a higher pay grade.

 

6. Automate your financial life

Financial management is tricky because it can be tiresome to force yourself to sacrifice and be responsible with money every single month. But you can eliminate a lot of temptation and ensure you’re using your money wisely by automating your financial life.

Once you have a budget with a set amount of money allocated for savings and debt repayment, set up automatic bill pay and automatic transfers to your savings and investment accounts. Set up these transfers to happen the day you get paid, then limit yourself to only spending what’s left over.

 

If your money goes where you need it to without any added effort, you won’t have to force yourself to make the smart financial choice every time. You’ll just have to adjust to living on what’s available, as the rest of your money will be out of your hands.

Take these steps today

Taking these six steps today could help you significantly improve your financial life. While it may seem like a lot of effort, it’s worth doing so you can invest in your future and alleviate your financial worries once and for all. Once you get started and see your debt balance go down and your savings balance grows, it will all be worth it in the end.

If the above does not work you should consider looking into your spiritual life. I can cast you money spell or lottery spell to help you make money quicker, help you keep money, help you pay debt quicker and more.

Do you know how to identify the signs of a cheating boyfriend? The most important thing is watching for changes in behavior; a cheating boyfriend’s behavior can change significantly when he starts cheating. Listen to your intuition and trust what your gut says.

The Top Signs of Cheating Boyfriend

The best sign will be your own intuition. Each boyfriend and relationship is different. You know your relationship better than anyone else, so trust your instincts first. If you are having trouble determining if he is cheating, there are some behaviors to monitor.

Spends Less Time With You

This is only a sign if you have been together long enough to notice a distinct change in time spent with each other. For example, early in a relationship, it can be quite common to be together a lot, often at the expense of friends, school, hobbies or work. As a relationship settles in more, one or both of you will likely return to a more pre-relationship schedule. A better clue is when he seems more distant than usual, even if the time you spend together hasn’t changed too much. Some more specific clues may be:

 

• Says he is really busy at work. This may very well be true. To verify if he is working, look for signs of him being more tired than usual when he comes home, after all, he has worked more hours than normal. Another sign is having more money.
• More time with “friends.” Again, this could be true. He may be missing time with his buddies and wants to hand out with them. Perhaps a new video game has come out or the sport’s playoffs are on TV and he is doing that with his friends. If he was really out with friends, he should be able to describe what he was doing. If he uses vague descriptions and fails to mention whom he was with, there is a chance he is cheating. This is true for both traditional and long-distance relationships.

Cheating Boyfriend Behavior Changes

Marked changes in his behaviour are also signs of a cheating boyfriend. Here are some possibilities to watch for.

• Picks fights. All couples fight, and just because you have a fight, it doesn’t mean he is cheating or wants to break up. He could also be extra stressed at the moment. You may also just be going through a difficult period in your relationship. Although if it seems like he is picking fights for no good reason at all, it is time to watch out. This is especially true if he immediately leaves after the fight. He might be trying to cool off – or he is leaving to be with his other girlfriend.
• New phone habits. A good way to tell if he might be cheating is by observing his phone habits. If he is cheating, he is likely talking to the other woman on his phone quite often or she is calling him. Find out if his line is busy more often, or if he is receiving more phone calls than normal. Another behaviour to watch for is turning off his phone or not answering calls when he is with you. You should also pay attention if he suddenly puts password protection on his phone though he never had one before.
• Sudden change in interests. When we are exposed to new people, often we will develop some of their tastes. With a new girlfriend, he may start displaying new behaviour that he learned from her. For example, has his interest in music changed suddenly? What about a desire to watch TV shows or see movies that he never wanted to see before? By itself, this is not signs of cheating boyfriend, but when observed along with other changes, it is a strong indication that he may be cheating.
• Accuses you of cheating. Ironically, a cheating boyfriend may, in fact, accuse you of cheating. He may be feeling guilty and tries to pawn off his guilt onto you. It could also be that he is trying to hide behind his own accusations.

Obvious Signs

Sometimes women will look back on events and wonder how they didn’t realize cheating was present, but the truth is that sometimes the signs are just so obvious you disregard them when they happen.

• Calls you another name. Whether just in passing or while having a romantic moment, him calling you another woman’s name points to his mind being on her and not you.
• Becomes ultra-attentive. He may be feeling guilty about cheating, so he decides to shower you with attention and be the boyfriend you deserve to justify his actions and make it all OK in his mind.
• Different scent. If you hug him and notice he has a faint feminine scent, it’s not unreasonable to assume he was, at some point recently, in an embrace with a woman.
• Lack of interest. If your otherwise-amorous boyfriend suddenly has no interest in being intimate with you, it could point to him being intimate with someone else.
• Social media friends. Another female acting flirty with your boyfriend on his social media pages or suddenly liking or commenting on all his photos can point to something going on.

Don’t Ignore the Clues

If your boyfriend displays one or more of these signs, don’t automatically assume he is cheating, but don’t completely ignore these signs either. Tell him you’ve noticed some changes and ask if he is OK, then listen to what he says. If you eventually reach a point where you are very suspicious he is cheating, then confront him about it. Finally, sad as it may be, you are better off moving on to a new relationship than stay with someone who cheats.

If you notice or feel like he drifting away from your relationship, I Prophet Petters i can cast love spells to boost that spark you had before he started cheating.