Tag Archive: cell phone

Think Want, Need, Must About Your Money

pyramids Today we’ll discuss a simple, yet effective, way to make sure you’re spending your money how you intend. Divide your spending into three categories – wants, needs, and musts.

We used to think about luxuries and necessities. This splits those luxuries into two categories because, over time, luxuries tend to become necessities.

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georgeLike the dishwasher we have. It’s not a need; it’s a want. But I’d sure hate to live without one!

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marylynnI think my cell phone is a need. But the unlimited texting and the ability to watch videos are wants that I added to my package.

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With our cable TV, we have DVR and premium channels. Those are definitely wants, but we love the convenience and variety.

Climbing the pyramid

Picture a pyramid, with wants at the base, needs in the middle, and musts at the top. We tend to move things up the pyramid. The importance we place on them climbs, so to speak. We look at things that are truly wants as needs; we view things that are really needs as musts.

That’s why we think it’s a good idea to break necessities into two – needs and musts. It helps us refine what is really important.

Mixed message

It’s pretty easy to define our musts – food, clothing, shelter, and transportation. But even within this category, there are mixed messages.

For an example, let’s consider transportation. At its most basic level, the only thing we need from our chosen form of transportation is the ability to get from one place to another. Public transportation clearly would suffice for many people.

However, if you use public transportation, you lose some control over your own schedule. You give up the convenience of having your own vehicle.

So some people may need a car because of their job. They need a vehicle to drive to appointments. Could it work without one? Possibly, but it might cost you too much time to be worthwhile.

It depends on your situation. In the end, only you can know what is best for you.

Gizmos and gadgets

There’s another way that wants, needs and musts can come into play. We’ll stick with the example of a vehicle. Even if you need a car, what do you really need? Something reliable or that fancy car in the ad? Just the basics or a vehicle with all the gizmos and gadgets?

The second of these choices, which are clearly wants, can make a huge difference in the price you pay for a car. And if you happen to finance it, they will add many dollars more in interest costs over the years.

We interviewed Adam Shepard on The Bigg Success Show not long ago. Upon graduation from college, he decided to see if the American Dream was still alive. Starting with only $25 and the clothes on his back, he was eventually able to buy his own vehicle among other things. His vehicle wasn’t anything fancy – an old pick-up truck with manual windows, one which didn’t work. But he still had the transportation he needed!

Keep these three categories in mind and you’ll keep your budget in line!

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Thanks for reading our post today. Join us next time when we’ll discuss how these same three categories relate to how we spend our time. Until then, here’s to your bigg success!

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Direct link to The Bigg Success Show audio file:
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Close Encounters of the Rude Kind

rude Does anything bring out rude behavior more than the holiday shopping season? People cutting you off in traffic, stealing your parking spot, talking on their cell phone while being checked out, leaving their garbage in stores, and even being physically aggressive on Black Friday!

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icon for podpress  Hear George & Mary-Lynn share their rudeness pet peeves on The Bigg Success Show! Click the purple player: Play Now | Play in Popup | Download

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Oprah recently did a show on rude behavior where she highlighted these statistics:

  • Eighty percent of Americans think rudeness is a serious national problem.
  • Yet ninety-nine percent say that they themselves are not rude.

So we can only conclude from these results that all of the rudeness must stem from one percent of all the people! Evidently, most of us think that almost everyone else is rude, but we’re not.

Test yourself

To see how you stack up, she provides a quiz. Here are a few of the questions:

Are you chronically late? 

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georgeI would have to say n…yes. I want to say “no”, but there may be some people who would disagree with me! Too often I think I can squeeze in one more call or answer one more e-mail before heading off to that next appointment.

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marylynnOprah answered the same way. I know I need to work on this … I tend to be five minutes late to meetings.

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Have you ever interrupted a face-to-face conversation to take a non-urgent cell phone call?

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george
I can’t ever recall a time when I’ve done this. Hey, that means I got one right!

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marylynn
I’m good at ignoring the phone when I’m talking to someone face-to-face.

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Have you gone through a supermarket 10-item express lane with more than 10 items?

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georgeWell, that depends on how you define the word “item”. If I have multiples of a single item that does only count as one, doesn’t it?

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marylynn
I’m guilty by association because I go to the store with you, George.

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george
Oh thanks, Mary-Lynn, for blaming it all on me! That’s rude!

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These questions made us think – things that we don’t necessarily think are rude may be perceived as rude by others.

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georgeI get annoyed with oblivious shoppers. When it’s December 24th and I’m starting to shop for Christmas, it’s just rude for people to wander around like they don’t have anything to do. They get in the way of us serious shoppers!

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marylynnFor me, it’s rude drivers – they don’t use their turn signal. They don’t get over when I’m trying to merge even though there’s plenty of room. Drivers who don’t pay attention are inconsiderate!

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What rude behavior is a pet peeve for you?

3 rules of civil behavior

During her show, Oprah talked with Dr. P.M. Forni, author of Choosing Civility: The 25 Rules of Considerate Conduct.

He says our society is structured to encourage rudeness. We’re stressed, fatigued, and in environments with a lot of people we don’t know. For example, we may be one of hundreds of people in a store or traffic jam. His book points out three rules to behave more civilly:

Pay Attention
Without attention, no meaningful interaction is possible. When we relate to the world as if we were on automatic pilot, we can hardly be at our best in our encounters with our fellow human beings.

Acknowledge Others

Acknowledge others' existence, their importance to you, their feelings, and the things they do for you. A simple "Good morning" as you walk past a co-worker in the hallway is a perfect example.

Think The Best
When we approach others assuming that they are good, honest, and sensitive, we often encourage them to be just that. Yet from the results of this study, it appears that we assume the worst in others while thinking the best of ourselves. Sometimes it is dissatisfaction with ourselves that makes us judge others unfairly.

Finally, Dr. Forni also says being polite is a healthier way to live. Going through life behaving rudely can make you physically sick. 

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Get the tips and tools you need to be a BIGG success!
Subscribe to the Bigg Success Weekly – it’s FREE!

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We really appreciate that you took the time to read our post today. Tomorrow is Thanksgiving here in the U.S. We’re going to put a different spin on it and talk about thanksgetting. Until then, here’s to your bigg success!

Subscribe to The Bigg Success Show in iTunes. 

Subscribe to the Bigg Success feed.

Direct link to The Bigg Success Show audio file:
http://media.libsyn.com/media/biggsuccess/00273-112608.mp3

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