It is indeed very difficult to increase one's income within a short span of time. This becomes more necessary when the market gets affected by inflation and prices of necessities rise abnormally. Economic crisis is responsible for this inflationary pressure. Even in the long run, it is not very easy to increase the income. Money-earning is a difficult task indeed. More so when money at one's disposal in scarce. One has to be able to market oneself before being able to market and sell one's product or services. So when one has to live within a limited, small budget, managing ones's financial affairs becomes very difficult. A vast majority of people are toiling really hard every day to make both ends meet.
Under such circumstances, if one wishes to have peace of mind, he has to be a bit less materialistic. A more spiritual approach towards life will reduce one's need for money. Spirituality is the keyword for peace. Spirituality is an ultimate or immaterial reality, an inner path allowing a person to discover the true essence of his being. It helps a person to find the deepest values and meanings by which he lives.
Entertainment expenses can be curtailed and controlled to a great extent. One must try to entertain oneself and his family with the most simple things of life. Nature, that way, has given us enough to keep us entertained. Spirituality and wisdom will help a lot to keep oneself confined to the most simple forms of entertainment, for example, watching the television, listening to music, writing something, no matter what, or even drawing or sketching whatever one finds interesting. Going to a very nearby place of interest without spending much on conveyance and food is another way to get entertained at a little cost. If necessary, one can carry some food from home. If one searches properly, one will surely find some places of interest nearby which does not cost much to visit.
One's creative and artistic sense and quest for acquisition of knowledge will help him a lot. Creativity takes its highest form when it is regarded as the same as worshipping the God. Creation is nothing but making offerings to the God. This take the creator closer to the God and makes him spiritual. Creative people are surely more spiritual and psychic. A psychic is one who has the ability to perceive information hidden from the normal senses through extrasensory perception because of their imaginative power. A creative mind will always find enough free entertainment stuff all around in nature. Creativity is there inside every human being in different degrees. People are all children of this mother earth, children of nature. Only one's creative aspect may not have been nourished properly. One has to do just that. Add to this the quest for acquisition of knowledge, which is the ultimate source of all happiness, and it will work wonders.
One must develop the habit of reading books, periodicals, newspapers, or whatever he comes across. The internet is there where one can find enough materials of his interest to read. Once a person develops this habit of reading, he will find enough peace of mind. One must also try his best to develop a liking for cooking, as far as possible and practicable.
So far as spirituality and wisdom are concerned, age plays an important role. Lesser the age, lesser the urge one feels to turn spiritual. This is nothing but natural. There seems to be no problem with that as more are then the opportunities lying in front of him because of his lesser age.
Every person is unique in his spending capacity or ability. One must understand one's situation very perfectly and lead each day accordingly. However, one must keeps his eyes and ears open to find out new ways to increase his income. But that should not keep him too much busy all the time. Then he will feel disturbed mentally and fail to perform his daily duties properly.
Thus, one must try to be an ardent follower and worshipper of nature, as much as possible. The more one can achieve this, the more peace he finds. The common grass can never grow up into a paddy plant. Neither it tries to do so. It remains satisfied by only covering the surface of this earth with a smooth green blanket. A little flowering plant can never grow up into a big tree. It does not even try to do that. This way one must take lessons from mother nature.
One must try to develop the habit of savings, however small it may be. This will help him to feel secure. Propensity to save is always good for the future.
During every pay-period, after meeting the fixed expenses (bills), one is left with a balance to meet his variable expenses. This amount must be divided by the number of days left to find out how much one can spend each day. He then should try to remain within each day's budget, though it is not always possible to do it everyday.
One must be cautious at the beginning of one's pay-period. At this time one has more money in hand. Just after receiving the pay one must be very cautious about his expenditure. When money in hand is more, it is less predictable where it will go. One tends to spend more in such a situation. As one approaches towards the end of his pay-period, he can afford to be less cautious, as money in hand is getting lesser. When money is less, it is very predictable. It will mainly go after necessities. This must be followed religiously.
Thus, one has to follow some basic guidelines and just shift one's outlook to remain at peace even with a small or limited income. Maintaining the current level of income is also equally important. If one can maintain the current level of income, it will increase one day. It is bound to. Creativity, if nourished properly and religiously, can turn into a new source of income some day. One must never get impatient to increase one's income overnight. One must be ready to work hard to bring in more income some day. This also takes time. Here again, spirituality and wisdom will help a lot.
Last of all, co-operation from other family members, especially spouse, is absolutely necessary.
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