Monthly Archives: November 2011

Everyone has a habit of what they do before bed, but some of these habits are better than others. If you find yourself squinting at the computer answering work emails late at night, watching disturbing events on the news, or eating large amounts of food right before bed and then wondering why you are tossing and turning, your bedtime routine might be the culprit. Statistics show that 60 million Americans suffer from insomnia, and seven out of ten people in the USA report frequent problems getting to sleep.

Your alarm didn’t go off, and you woke up horribly late for work. You smashed your toe on the table, spilled coffee on your coat, andspent ages finding somewhere to park. When you arrive, you are tired, scatterbrained, and faced with an overwhelming list of tasks, demands and complaints when all you want to do is go back to bed. You sigh to yourself, “What a bad day.”

Imagine a full time job is like a large flowing river of income. With this one source, you have all of the financial flow that you could possibly need, and your expenses are covered in comfort. However, what about when something happens and the river ceases to flow? Your industry could experience a drought, or you could lose your job, causing the flow of that river of income to be dammed up forever.

Perhaps you have won the lottery, received an inheritance, or cashed in one of your investments, and now you have a large sum of money you don’t know what to do with. Although it is tempting to cruise around town in a brand new sports car it is important to think carefully about how to spend your new found cash.