how to save money wisely

here are 10 tips i want to share with you.these are all based from my experiences, so i hope u learn something .

1.be disciplined---it tkes time, i knw.but jst try doing it step by step.everything starts from oneself.so be challenge.try not to barrow money.for starters,piggy bank can help a lot.

2.be patient--ez money, ezly gone.hard earned money,its worth d wait.

3.always giv a portion for God---or else God will take ol ur blessings.so count ur blessings and give thanks.bring back all d glory to God.

4.savings first before expenses---everytime u got ur salary,if possible separate30%of it for savings,and consume only 70% for expenses.

5.first things first---be practical.prioritize d "need" rather than d "want".if ther's excess or extra then dat's cd time u but what u want.

6.don't forget to treat urself from what u'v earned "once in a while".u deserve it.

7.make a budget plan---esp. if ur an independent person,it's a need.buy only the things dat is enuf for ur budget.if it exceeds,change ur badget plan.

8.respect money and money will respect u---it means take good care of it, don't abuse it.in everything there's an end, so learn to value it as long as it is still there or else in will fly away from u.put it neatly in ur wallet.take note,nver leave ur walllet empty.

9.never lend money unless its already an extra from ur budget, after spending for expenses and after saving.

10.invest ur money--u can put it in d bank for safe keeping or invest it in business dat u love.

*always remember big things comes from small things.dat's why small things do matter.

Missing you

My heart aches within from missing you,

My lips long for the feel of kissing you,

Right now all I need is to gently touch your skin,

To look into your eyes and see deep within,

Just one warm embrace,

Just to look upon your face,

Just one little touch,

From the one I love so much,

If I could gaze upon your smile,

For just a little while,

To know that you miss me too,

As I'm thinking of you,

To hear the sound of you breathe,

Knowing you'll never leave,

To see you walk up to me,

Then embrace you tenderly,

To just be with the one who's sent my heart reeling,

And brought about this downpour of emotion and feeling,

I sit here alone in my office tonight,

And pray that somehow this all turns out right,

I've never been one to do more taking than giving,

I'm not well off but I work hard for a living,

I've told you many thoughts that weren't borrowed or bought,

And in lifetime,

who would have thought,

That I have found someone who was just meant for me,

I can't explain the magic or why this should be,

But there is one thing that I know for certain,

That this just ain't over till one of us draws the final curtain,

For I've seen an angel and I want you to know,

If it's my choice to make,

I'll never let you go,

Don't know what life holds,

maybe there's no reason or rhyme,

To think you may be mine in a matter of time,

And though I cannot touch you and we are now apart,

My Love, you do dwell, so deep within my heart...

Can We Still Be Friends?

I was Cold and hurting,
lost out in the night,
Wandering and Searching,
for heaven's light.
I saw the night sky clearing,
When you spread your rainbow wings,
But little did i know,
what joy would you bring.
From that moments on,
A friendship did start,
You kissed away my tears,
and sheltered my heart.
I bless the day god,
sent him from above,
But then i grew fearful,
for i had fallen in love.
I told you this feeling,
and what did you say?
You said you like our friendship,
and that's how it would stay.
I cried for a friendship that i thought i lost,
But then, felt your warm,
gentle hand,
You then whispered in my ear,
That by my side,
you'll forever stand....