Action Plan to Financial Freedom (Part-1) | Financial

We often dream about financial freedom, we want to and more often talk about becoming financially free. But how many of us actually do something different to achieve this dream? Without a concrete action plan, and clear define road map, no matter how ambitious is the dream, chances of becoming financially free will almost equal to none. Without a clearly define road map to follow, one will soon forget the dream of freedom and go back to live their normal daily life. Action plan can be constant reminder serves to remind a person of his objectives, goal and estimated deadline. Besides, in journey to become financially free, you will want to review your progress against the action plan to see how much progress you have made and how far away you are from your goal.In order to become financial free we need to know what is the definition of financial freedom. Financial freedom being the ultimate goal, of course, before achieving that, we need to know the two pillars supporting the freedom; these are financial stability and financial security. The two pillars are the basic fundamental of being financially free; it is like the foundation of a skyscraper that is built on a strong concrete foundation, in case of financial freedom, it is built on financial stability and security. In short, in order to achieve financial freedom, we must first achieve financial stability and then financial security.Definition of Financial Stability Financial stability is achieved when one person is able to live his life without income for 6 months or more. Wealth is measured by time instead of amount of money you have. Take the example of a fashion designer whose monthly income of 10,000 with monthly expense of 8,000 and a school teacher who only earns 2,000 with monthly expense of 500. Who do you think live a more stable financial? The answer is the school teacher. If both person lose their job, the fashion designer who lives a high maintenance life style would not live through a month to go bankrupt, but for the school teacher, with a saving of 1500 per month in minimum, she can easily live for another 3 months without active income, this provide her ample of time to look for new source of income. In the first step in our road path to become financially free, we need to make sure we are financial stable before we can talk about financial freedom.Action Plan to Financial Stability: Now think. If you have less than 6 months to go into bankruptcy without a job, you need to start doing something. Below are some typical scenarios:
If you are living on a mountain of credit card debt, and you can’t seem to reduce the owing balance each and every month, you have to do something different. From you credit card bill, list out items that you don’t need to spend. Without this desire items, it is easier to pay off the credit card.
When you can’t seems to save even though you are not on any retail/credit card debt. This happens when you pay yourself last. In order to save, you need to pay yourself first. Every month when you get your paycheck, put aside a percentage into saving first and spend the difference. An average person will do the opposite that’s why they can never save, and the worse is they don’t even know where the money goes.
In the action plan, one needs to state how much money to allocate in each month to clear off debts with a deadline. Only after all accumulated debts are cleared off, one can start saving for financial stability. Subsequent action plan needs to find out total expense of one self. Since financial stability is defined to be ones ability to live through 6 months without any income before going into bankruptcy, thus the amount of money to achieve financial stability will be total expense times 6 (months), let us call it Financial Stability Amount Requirement FSAR. Next, state how much money you committed to save every month, and let’s call it monthly saving commitment MSC. With all these figures: FSAR and MSC, one can easily find out how long he/she needs to achieve financial stability. Simply divide FSAR by MSC. The result of calculation is the duration (in month) required to achieve financial stability, one will know exactly the date he/she obliges to achieve financial stability. Now with the action plan in place, a committed and disciplined person will only have to follow it and ultimately achieve it.

How to Decide on the Layout of a Vegetable Garden | gardening

If you’d like to have fresh vegetables this year, you most likely have been thinking about the layout of your vegetable garden. It’s true you could choose to go the traditional route with its tidy rows, but you don’t have to be limited to only this system. Let your imagination go and be extremely creative. Some options are raised bed gardens and container gardens. You even could go all out and substitute vegetables in a flower style garden.Some green thumbs have recently been putting vegetables in their flower gardens, and vice-versa. Roses, violets, and a variety of other flower blossoms are not only edible, but quite tasty too. It’s a good idea to mix flowers and vegetables for another reason: the mix is great for your soil. Since different plant varieties use and put back different nutrients in the soil, when you mix the plants up a bit it helps to maintain the general balance of your soil for the next growing season.Standard ConfigurationThe more conventional vegetable garden plan starts with rows. Individual rows are devoted to specific vegetables. A good rule of thumb is to lay out the rows from north to south, if possible. This orientation assures that your plants get the most sunlight possible. It is a good idea to till the ground and make an area that is level so that you can reach in to care for the plants and weed as necessary. If your garden is going to be big you might want to think about putting in walkways. Walkways will help keep you from stepping on plants while you work in the garden. If your garden will be built on a slope, be sure to have the rows cross the slope rather than run up and down it. Your seeds will be protected from washing away and the plant root growth will be more stabilized.A vital issue for conventional vegetable gardens is to look into the amount of space your seedlings need to grow. The damp spring weather can encourage many different molds, mildew, and fungus to grow. Plants that are too tightly clumped together have a greater chance of transferring diseases to each other. And bugs can easily infest and spread quickly in confined spaces.Go Above GroundYou might think about setting up your vegetable garden rather than laying down your garden. A fantastic substitute to the conventional rows in the dirt is a raised bed vegetable garden. A raised bed garden is planted in blocks above the dirt. Planting up saves space, gives you better control over your plants, and saves your knees and back. You have the basic foundation for a raised bed with a couple of cinder blocks, or an old timber, or even some old bricks.A four-square garden is an above ground garden that’s divided into 4 areas with a nice centerpiece like a statue or tree.Soil depth of 12″ is ideal for a raised bed garden. The soil warms up quicker in a raised bed system, which will kick off your garden earlier.Add Some StyleThe Kitchen Garden is the perfect garden for those who want more visual appeal. A Kitchen Garden mixes herbs and vegetables in a small garden that usually sits close to the kitchen. What makes this type of garden more appealing to the eye is design. Usually they are laid out in geometric patterns with stone or brick paths running through them. Sometimes Kitchen Gardens will be surrounded by hedges that are very well maintained. Picture a backdrop of lattice covered with beans and peas. In front are some fancy lettuce with their bright red hues and maybe a little curly parsley. Maybe add a few flowers, marigolds to keep the bugs away. That is a unique eye appealing garden that doesn’t lose its functionality.Even More OptionThe beauty of laying out your vegetable garden is that there are numerous options. When you’re dreaming of your layout think about your lifestyle, the space you have available for your garden, how much time you can devote to putting in the garden and then maintaining it. It’s perfectly fine to have an asymmetrical garden that conforms to your space. The beauty of the asymmetrical garden is there are no rules.Final AdviceKeep a gardeners journal, recording things like how you fixed pest problems and germinating schedules. Your garden diary will be a help for you every year, who knows it may become a memento for your family. Regardless of which type of vegetable garden you choose to build, keep a drawing or blueprint of it in your journal. It’s true that your perennials will be left in the same spot year after year, of course, but you should rotate your annuals to keep the soil healthy and recharge the nutrients in the ground. It’ll take some experience to learn everything you need to in order to care for your garden, so be patient.


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