Try to remove everything possible from the bathroom, including the dirty clothes hamper and bathroom scale. Our family bathroom has only one small medicine cabinet for toothpaste and shaving stuff, and it is enough.
Now, in the place of clutter, look for ways to add beauty. An appropriately colored picture, an additional mirror perhaps. The tops of the toilet tank, bathroom windowsill, and tub corners should be empty. Shampoos and conditioners should go on a shower caddy, and children’s bath toys should be stored in a mesh bag and hung on the caddy.
If you have a tub/shower combination with a shower curtain, consider this treatment. It involves hanging window curtains on a tension rod. It is possible to use regular window curtains, but the idea has been adapted and packed in shower curtain form as well. Look for it in the bath section of department stores or in bath shops. The shower curtain liner slides behind the curtain on the shower curtain rod, leaving the decorative tension rod curtain in place.

Between 80 and 90 percent of the information we save has no real value. Surveys show that average Americans spend an entire year of their working lives searching through desk clutter or looking for misplaced objects. Executives waste up to six weeks a year looking for misfiled or mislabeled papers.
You are overwhelmed by paper. You are overwhelmed by time. You save useless papers because of fear of making a mistake. You are afraid that, if you discard something, it will come in useful later. You are afraid that we will lose our jobs if we don’t CYA. Stop letting fear run, and ruin, your business. Let’s set some intelligent, practical guidelines for making decisions and empowering you and your employees to make good decisions.

Some thirty years ago Marshall McLuhan, an English professor at the University of Toronto, suggested that technological changes in the media of communication were turning the world into a “global village.”35 Today we live in the village that McLuhan envisioned.36 Satellite transmissions bring news into our living rooms as it happens. The Internet provides access to information that was previously available only in the libraries of colleges and universities. Speeches that once were dusty relics in the pages of anthologies come to life on videotape. Computer conferencing makes it possible for executives in Singapore to “meet” with executives in New York without having to travel. National boundaries are dissolving as time and space no longer impede the flow of information and ideas.37
As we move into the twenty-first century, we must adapt to our diverse world. Although speaking to a diverse audience is a challenge, it is also an opportunity. Learning to communicate with diverse others can be one of the most rewarding experiences of your public speaking class. To find out more about your own sociocultural background, or about those of others, consult the relevant web sites listed at the end of this chapter. Again, keep in mind that the information you access relates to groups in general and not necessarily to your particular classmates. Try to integrate and reconcile such information with the information you derive about them firsthand.
To make the most of the opportunities of addressing varied audiences, you must be able to avoid some pitfalls. You must understand the power of streotypes and bias and of the problematic “isms”—ethnocentrism, sexism, and racism. Finally, you should know how to find and build common ground with your listeners.

Organizing books are a lot like dieting books. It is estimated about half of Americans are on some form of diet on any given day. We need organizing books just as we need dieting books because we are a bloated, overweight society, in terms of information clutter and physical body mass. Oddly enough, a related benefit to deciuttering is weight-loss. Presented properly, this could be a great motivator. Maybe your new motto could read, “Cut the fat—corporate and personal.”
Anyone who’s been on a diet will agree that unless we change our fundamental relationship with food, we won’t lose weight. Unless we change our fundamental relationship with our stuff, we won’t get organized. Not everyone needs to be model-slim or over-organized. It could be that you are a square peg trying to fit into a round hole and a change of position is in order.

The bathroom is a small room that gets a lot of use. It needs special control. That basically means getting rid of the clutter. Bathrooms differ markedly. They range from those with ample drawers and ample cabinet space to those with no storage room at all except a small medicine cabinet over the sink. If a person is a kind of busy, it hardly matters how much space there is because all surfaces and spaces will be overused and cluttered. The trick is to pare down all the junk—makeup, hair curlers, blow dryers, brushes, and so forth.
Many of these items should be stored in other places. My medicine is in the kitchen; my curling iron and blow dryer are on hooks in the hail closet. My makeup is in plastic shoe boxes in the hail closet. Some of these things should be moved to bedroom closet shelves or dresser drawers.
A woman at my self-help group was sharing her foray into the bathroom. “I spent two weeks camping in the Rockies recently,” she said. “I had only one little cosmetic bag of makeup and every day I looked beautiful. When I got home, I asked myself why I needed this room full of lipsticks, creams, and lotions. So I got rid of them, and now my bathroom is wonderful to be in!”
Somewhat sheepishly she added, “I didn’t throw them out exactly. I packed them in a box and put them away.” Well, at least it was a good beginning. Her mind is adjusting to their going, but it’s hard to get rid of cosmetics because you have to throw them away. (Nobody wants to adopt used cosmetics!)

Clutters are on the other extreme of time-consciousness. We are vague about time. That’s probably a good thing. While we need to ratchet ourselves up a little bit to get into step with the rest of the world, I don’t think we need to become obsessed with time. Finding a happy balance will do just fine, thank you.
When we cram too many things, too many “To-Do’s” into a day, it is like borrowing from a high-interest credit card. Like the Biblical story the brothers who got an equal inheritance, we can squander it or use it wisely. Whether we bury it or invest it in ourselves, we never get more quantity. What we do get by using it effectively is more quality of life.

Young adults these days are also one of those people who become interested in driving. Like my cousin, he was too young when he started to learn how to drive. he just waited for his right age to come to be able to have the drivers licensed so that he can have a chance to drive outside the subdivision where he had learn to drive. Unlike me that I am too old enough when I had a chance to study driving and had a car.

I do worry before if there is an auto insurance just right for my cousin. I do know that only adult are allow to have an  insurance for their car. But what I am thinking of if when there is something that happen between my cousin and his car. Can he have the insurance? Good thing that I had found a site on the internet that offer the cheap insurance for young drivers, an insurance for the young driver without letting him spend much money.

Searching for the auto insurance company was not a big problem for me. Because I do know that I can have the search easily on the internet these days. That almost everything that you needed and wanted to know can now be easily done on the internet. Application for the service was not that hard because you can easily do it on the internet. 

But my problem was my budget, how much I do wanted to have the service my budget for the year was not that big for me to be able to avail the cost of the expenses. Good thing that my friend is aware of the service, plus he do know a site where I can avail without spending much. He did gave me a site on the internet that offer the cheap auto insurance quotes i have seen their quotes then read it and now finally decide that my car can now have it’s insurance.

WHAT DO YOU want from your money?

College tuition for your kids?

A bigger house and a new car? Security when you retire?
Wouldn’t it be great simply to have enough money so you don’t have to worry?

The “enough money” part of that equation is easy. The “so you don’t have to worry” part is much more complex. It actually has nothing to do with how much money you have or how little. You can balance your checkbook until you’re blue in the face, you can move money every day between your mutual funds, you can double your life insurance, you can buy lottery tickets—and none of it will do you any good until you get beyond the worry and fear. The fear of money, the fear of not having enough, the fear of having
enough, the fear of taking action, the fear of inaction. There isn’t a part of our lives that money doesn’t touch—it affects our relationships, the way we go about our everyday
activities, our ability to make dreams reality, everything. Most of us, I think, have a core of anxiety that we carry around with us, though we may not admit it to ourselves. That is part of money’s power over us.
From years as a financial planner I have learned that true financial freedom doesn’t depend on how much money you have. Financial freedom is when you have power over your fears and anxieties instead of the other way around. That’s why,  address first the fears, then the finances.
Whatever their circumstances—in debt, working, downsized, afraid of becoming downsized, retired, having just inherited money, having just lost money—my clients invariably arrive with a handful of financial papers and a heart full of anxieties. Like most certified financial planners, I started my practice to help other people with their money, but as time went on, I realized that it was far more than their money (or
lack of it) that needed attention. Today new clients arrive expecting me to ask to see their papers. Instead I ask them first to share their fears. It’s never too soon to begin, and it’s never too late, no matter how the bottom-line numbers read today on your particular handful of financial papers. This book presents a nine-step process that will take you back into the past, when your attitudes about money were born and began to grow. It will help you face the present honestly and clear the way for you to create a future you will love.
I know it works. As you read this book you will meet others who have taken the steps toward financial freedom—and finally made possible the lives they dreamed about.
You will also see that if I could do it against all odds, so can you. When I was very young I had already learned that the reason my parents seemed so unhappy wasn’t that they didn’t love each other; it was that they never had quite enough money even to pay the bills. In our house money meant tension, worry, and sorrow. When I was about thirteen my dad owned his own business, a tiny chicken shack where he sold take-out chicken, ribs, hamburgers, hot dogs, and fries. One day the oil that the chicken was fried in caught fire. In a few minutes the whole place exploded in flames. My dad bolted from the store before the flames could engulf him. This was when my mom and I happened to arrive on the scene, and we all stood outside watching the fire burn away my dad’s business.
All of a sudden my dad realized that he had left his money in the metal cash register inside the building, and I watched in disbelief as he ran back into the inferno, in the split second before anyone could stop him. He tried and tried to open the metal register, but the intense heat had already sealed the drawer shut. Knowing that every penny he had was locked in front of him, about to go up into flames, he literally picked up the scalding metal box and carried it outside. When he threw the register on the ground, the skin on his arms and chest came with it.
He had escaped the fire safely once, untouched. Then he voluntarily risked his life and was severely injured. The money was that important. That was when I learned that money is obviously more important than life itself.
From that point on, earning money, lots of money, not only became what drove me professionally, but also became my emotional priority. Money became, for me, not the means to a life rich in all kinds of ways; money became my singular goal.
Years later this kid from the South Side of Chicago was a broker with a huge investment firm. I was rich, richer than I could have imagined. And I realized I was profoundly unhappy; the money hadn’t bought or brought me happiness. So if money wasn’t the key to happiness, what was? It was then that I began
a quest, which has taken me deep into the meaning of life—and the meaning of money.
I don’t know if I have discovered the meaning of life, but I have learned a great deal about what money can and cannot do. And it can do a lot. Your money will work for you, and you will always have enough—more than enough—when you give it energy, time, and understanding. I have come to think that money is very much like a person, and it will respond when you treat it as you would a cherished friend—never fearing it, pushing it away, pretending it doesn’t exist, or turning away from its needs, never clutching it so hard that it hurts. Sometimes it’s fatter, sometimes it’s skinnier, sometimes it doesn’t feel so good and needs special nurturing. But if you tend it like the living entity it is, then it will flourish, grow, take care of you for as long as you need it, and look after the loved ones you leave behind.
Most of us already know at least some of the steps we could take to free ourselves from money anxieties—we could manage our debt better, arrange for our children’s education, strategically plan now for later, protect what we’ve saved, save more. Yet most of us are paralyzed, too, when it comes to actually taking these steps, however wise they seem, however much we think we really want to take control.
What good will it do you to know what you should do, if you can’t do it?

If you’ve lost it all, how can you think you have the power to keep money safe, let alone make it grow?
When I was about eight, my mother gave me ten dollars to go to the bakery to buy bread. My grandparents and cousins were all coming to lunch, and this was a big deal. It was the first time that I got to go all the way by myself—down the block, to the right, then across the street all by myself, and down one more block to the corner. I’d been that way a million times, but never all by myself. And ten dollars! It was an enormous amount of money. Mom told me how much the bread would probably cost and told me to keep the change in my pocket. There was all this trust in me, all this responsibility.
And what did I do? Lost it, the ten-dollar bill. When I got to the bakery: no money in my pocket. I had no idea what could have happened to it, no idea. I was late getting home; I looked everywhere. My grandparents and cousins were already there when I got back; everyone was in the kitchen; there was the
noise of everybody talking. “Where’s the bread, Anjy?” my mom said, and I had to say I lost the money. The room grew so quiet. Nobody said anything; they were all just looking at me. I didn’t get punished or anything. I think everyone knew how
bad I felt, and there wasn’t anything anyone could do. We had our lunch with the bread basket on the table but without the bread.
When he and his wife, Leslie, came to see me, Anjy said, “I was so overwhelmed by that loss, I think I never wanted to be in control of my money after that.” Leslie had never heard his story before, and even Anjy had forgotten about it until we did this exercise together. But after Andy told the story, everything started to make more sense for both of them. They had come to me to talk about investing for the future, but the two of them could never agree on the kinds of investments they should make. Most of these disagreements ended up with one or the other of them storming out of the room, to the point where they decided they needed professional help. Leslie wanted to invest aggressively; in their early forties they were young enough, she felt, to take some risks. Anjy, on the other hand, was adamant about putting the money into a bank account, where, he said, “it’ll be safe.” He never understood why investing scared him to death until he made this connection to his past.