The origins of tithing can be found in the Bible, yet many Christians and non-Christians alike, practice some form of tithing today.

Tithe is conventionally a Christian term that signifies the contribution of one tenth of one’s earnings as donation to one’s Church as a type of Church giving. However, every other religious system has similar practices within itself. In Islam the word used is ‘Zakat’. In the Sikh religion of India the name for it is ‘Dasvandh’ which again signifies setting apart a tenth of one’s earnings for pious acts. It was Guru Gobind Singh, the tenth Sikh guru who started the practice. The sacred texts of Hinduism like the Bhagavadgita and the Upanisads state that ‘true alms’ is that which is given as a part of one’s duty in the right place and at the right time to a worthy individual, from whom nothing is expected in return.

The word tithe derives from the Hebrew word ‘asair’, which means to donate one-tenth portion of something, mostly a person’s earnings. Nowadays tithes or tithing is optional and is given in cash. Still, in some European countries church can demand tithing and thus make it enforceable by law.

Denmark is an example where members of the Church of Denmark pay a church tax, which varies between municipalities. The tax is generally around 1% of the taxable income. And in Finland members of state churches pay a church tax of between 1% and 2.25% of income and the Church taxes are integrated into the common national taxation system.

However the practice of regular tithes was not established until after Exodus. Tithes were common throughout the ancient Near East, as well as in later Lydia, Arabia, and Carthage.

The Hebrew habit of tithing is recorded in the Bible, the first mention being the gift from Abraham to the Canaanite priest and king Melchizedek (Genesis–:20). Ancient Arabia, Lydia and Carthage were places where the custom of tithes existed. Tithing was implemented by the early Christian church, and had found mention in councils at Macon in 585 and at Tours in 567. They were granted formal recognition during the time of Pope Adrian I in 787.

The practice of tithes in some Christian churches is contentious for the reason that it is putting into operation an Old Testament idea to a New Testament establishment (the Church). No proof is available in the New Testament that tithing can be applied to Christians. Actually, it was mandatory only for Jews living in the promised land to pay the tithe even according to the Old Testament, as it was in practice a form of income tax that was necessary to help not only the government of the then Israel, but also the shrines and the priestly class.

Current day Tithing

In spite of its origins in the Bible and olden day Christianity, nowadays it is a perfect way to give every time you get something. Giving EVERY time you get things is such a perfectly beautiful form of giving as it allows the giver to feel in fullness something indescribably powerful – more on that afterwards.

Let us return to history. That section of the Bible that Christians refer to with regard to tithing is Malachi 3:10. Lots of Christians tithe to their church as they feel that they are under obligation to do so according to the Bible. And many Churches then as well as now insist that their members contribute to the church to help it carry on its activities. In spirit though, if the giving is not done out of free will and with a happy intention, it does not accomplish its proper benefit – if in fact you want to create a proper benefit by the gift.

Disagreements about Tithing

Tithing has often been a contentious topic. The issue whether a Christian should pay tithe is often argued in many Christian congregations.

An article has been published in Wall Street Journal about tithing under the title ‘The Backlash Against Tithing’, in which the writer Suzanne Sataline says, ‘As Churches push donations, congregants balk; ‘that’s not the way God works’.’

Regrettably, the different ideological perspectives, desire to dominate, and a narrow outlook, can lead to a Jekyll and Hyde scenario – the pure goodness of giving being lost in the fog and misinterpretation of religion. In spite of the disputes, tithing is still a fully and marvellously powerful act that any person can do to turn around their lives to face a fuller pathway.

For those who are interested in finding out more about a Christian perspective in tithing there are plenty of materials to go through. For those who are keen on knowing the reason WHY tithing is so compelling, what follows will be useful.

Why is Tithing so amazing?

This is indeed a very compelling question because if you just blindly carry on something without any idea of what it indicates, you could be proceeding in the wrong direction.

If more people who are in the habit of tithing knew exactly why it works when done with the feeling of total giving, then it is likely to make people eager to give even more. And for those who do it intermittently, it could encourage them to give first every time they are in receipt of something.

To see the actual ‘why’ of how proper gifting gives rise to more we have to learn something about Quantum Physics and Quantum Mechanics. The rules that govern these disciplines are unlike those in our physical or Newtonian world.

The movie ‘What the Bleep’ describes the quantum world through simple examples. The movie segment linked below describes a little about how matter becomes waves and acts like fluids when observed from a quantum physics perspective : http://video.yahoo.com/watch/1349535/4653525.

The movie describes an amazing world viewed from a quantum space. When a beam of electrons is fired through a plate with a slit in it onto a wall – as you would expect, it would it within a single line on the wall straight opposite the slit.

If the same experiment is done using an energy wave that has the properties of a water wave, again one can get an expected outcome. As the surge hits the plate the tendency for the wave is to ricochet but still because of the cut, some parts of the wave goes in through that cut. Emerging from the cut, the wave spreads out in an arched way, thus resulting in a new wave more or less similar to the old wave. It is exactly like the experiments one would have done in smaller classes regarding the behaviour of waves. It hits the wall opposite with a lot of force at the point just opposite the cut and hits with lesser strength all around the wall. This is just like the pattern the electrons create.

If we created one more opening in the plate, again the upshot would not be totally unexpected while experimenting a wave – two smaller waves would be formed through the openings and when the waves come into contact, they would dissolve each other and make an intervention pattern. Many waves would now strike the wall across, giving a stripped effect. These are standard patterns of wave behaviour and so there is nothing unexpected in the result.

Here is where the whole experiment takes on an entirely different direction. When electrons are sent through the two cuts in the plate, what should ordinarily result are two lines in the wall opposite. On the contrary what one sees is a stripped appearance with an intersecting pattern. This is unbelievable. The matter seems to have been turned into a wave. We can perhaps imagine that electrons were hitting against each other and ricocheting and causing a wave pattern; so if electrons are sent across separately the result should be different. But it is not, it is the same. The explanation has to be that the electron leaves as a single particle, and splits into a wave on collision with the plate, then goes across through the cuts and intervenes with itself after that on the other side. This idea of solid having fluid properties -or mattering acting like a wave – is totally surprising. The world is much more than we understand it to be.

Though the world that we live in appears to be hard and solid, it is perhaps possible that in reality we are living in a place that has more properties of a fluid – liquid energy or persistent movement of a fluid, which reacts more like the fluids in our material world. According to the rules of physics, similar fluids have a tendency to congregate, while those with dissimilar properties tend to diverge and remain separate. A typical example of this is oil and water. Chromatography explains how a single substance can break up into its individual components in clear bands the way groups of people break up into smaller ones with common interests, potencies or aims.

The key is that when we give we feel joyful and experience joy. As a giver we receive the most divine gifts of all the gift of joy. Often we think that it is the receiver of a gift that receives something and it often overlooked that the giver actually is the greatest receiver. If you’re not too sure about this, then watch yourself around children and see how you feel when you give to them and observe how you feel no matter how they respond.

When we understand that we are first giving to ourselves when we give and that we do this because we want to feel joy then we have a key. This key unlocks the door of understanding to giving. And when we give repeatedly the momentum builds up just like a wave getting bigger and bigger the more we add to it with our giving.

The fact that we feel joyful when we give changes our energy literally – we feel better and in that moment we are more attractive to other people. Have you experienced someone on the street selling something that you don’t want such as tissues and normally you do not buy, but one day you do and the only reason why is because the person is happy and smiling? You may have experienced the same with buskers playing music on the street.

Someone who is joyful exudes a natural attraction that draws others in and in doing so draws in better life experiences. It is simple. They attract to them those who are either wanting to experience that feeling or those who already experience it.

Exactly like water and oil, those who give and those who do not give are compartmentalised in different groups. And the ideal place where one can receive something is there where givers congregate! But you can remain in that group only as long as you gift things! Givers enjoy giving to others who give.

We may be able to look at quantum physics for resolving things, but these are very much in front of us all the time. Alike attracts alike – right. See what is going on all over the world. Lions like to be with lions, students like to be with students, women prefer the company of women, guys like other guys, ‘poor’ people prefer to be with ‘poor’ people and ‘rich’ people like to form groups with ‘rich’ people. And yes – givers like to make friends with givers.

So if you give from a sense of self-reproach then it will only boomerang on you – you will just attract to you like-minded others who have a guilt complex and cannot be contented and delighted. The borderline between remorse and anger is narrow; so people gifting things out of a sense of guilt tend to turn in that direction. Joy is one of the highest of human emotions – and from there one can only turn to love – and that is what all of us are forever searching for.

So when you initiate the act of giving, you are very close to knowing perfect love – really wonderful to know that it is. More so as we know that most people are continuously trying to find love. We now know that the answer is so easy – begin giving! And gifting money is only an aspect of giving – giving on the whole will create a special place of joy for us, no matter how ‘little’ the amount.

There is also an emotional aspect to giving consistently. This aspect might not in the beginning appear to have connections to the sensation of joy – in the end it completely bonds us to the absolute bliss of joy.

When we gift a thing – especially a thing which is definitely not in surplus in our lives, we are sending a strong message to ourselves that life is reliable. When we have accomplished the act of giving and afterwards see that act in retrospect we understand that we can form a perfect relationship with that reliability. The opposite of reliability is fright. A group of frightened people are unlikely to be happy and delighted and so will not be able to attract any one. On the contrary, a group of reliable people would be contented and so would be quite appealing to those who are seeking such enriching experiences. At the end of the day, when reliability gets transformed into delight and again we find ourselves very close to that which we yearn most – love.

So the essence that has been forgotten over the ages is right here today for anyone to connect with simply and easily. My son received a lot of money for Christmas and I asked him what he was going to do with it. He said he was going to save most of it. I asked him how much he was going to give. He had not considered that an option until I shared it with him. What would happen if the first thing we did when we received was to give some away – do you think we would experience more joy

Transaction based donating – or transaction based benevolence

This leads us to the power of transactional giving. Many businesses give when they have lots of money. When they have little they tend not to give. Because of this their potential levels of joy are always go up and down based on the market trends – they have no control. But those who give EVERY time they receive are in control and connected with their experience of joy regularly.

Transactional giving rather than total giving is based on the highs and lows of business and so is a self-evident way of giving. The method is that when you get something you also give something – straightforward. If your business is bad you might give but according to the income. And when business is marking a rising graph, giving can also improve.

A key factor of transaction based venture is that a person can celebrate the joy of giving mutually with everyone involved – clientele/commune – personnel – and venture itself. A customer knows that when he buys from a business he is giving without having to expend anything other than the time to select and buy from that outlet he experiences the power of giving – reason for the conventional CSR – Corporate Social Responsibility, to change instantly to Customer Social Responsibility, with the ability of the customer to effectively respond to the sharing by valuing the venture and have that added sensitive though subtle reason, for opting to do business with the venture.

Members of the staff also get a chance to participate in the pleasure because every time they are part of making a sale, they know full well that they had their role in giving something to someone who needed that help. The event generates a strong sense of camaraderie within the team that promotes team spirit and motivates the team members.

Any business, including startups with no profit, can do Buy1GIVE1 transaction-based giving – there literally are no barriers to entry and the business controls everything. The contribution amount per transaction starts from just one cent and goes up to thousands of dollars with each business choosing their own level of giving and charity cause project to support depending on their business type and profitability. There is simply no reason not to give this way when the benefits of giving are so numerous. Businesses who are currently giving to a cause can usually convert very quickly and easily to Buy1GIVE1 transaction-based giving while still supporting the same cause providing extra tangible benefits to the business.

When the game is over business -based giving is a present day form of tithing that is practical and possible for anyone, at any place. Now that we realise that it is not about the actual money that we give such as a tenth of the income, but only the fact that we are gifting it that makes the change. When we enter the fraternity of donors we move into a special and fortunate world that only those who give to others are allowed to enter. And unless you start giving today itself, you just may not start doing it and might never will till you start. So begin today.

‘We’re not here to donate to ‘get back.’. We’re here to give more and more.

Discover more about how Buy1GIVE1 (BOGO) can transform your business using Cause Marketing.

As human beings, most of us have yearnings for different kinds of things. And of course, the fundamental principles of economics tell us that while needs are unlimited, resources are not. This makes us think that the more resources we have, the more yearnings we would be able to satisfy. As such we tend to safeguard our resources. We would then feel that giving away these resources or splitting it between many would lessen the portion that can be used to get what we desire. This is the conventional win-lose strategy that is being played out.

Then, is it true?

And if the answer is “no” what then? What if it actually goes against the secret of getting more? What if the secret to earn more is simple – just by managing to give more?

A person can get a thing by the simple act of giving. In the same way that he can get eggs by breeding chicks. In the most simple way. Naturally. Spontaneously. And it is a fully satisfying joyful sensation.

First, let us start with a small comparison to explain things.

Chicken and Egg: the Cosmic Circle of Life

Many a philosopher has come out with this question from the beginning of time, “Which comes first, the chicken or the egg?”

The answer to this endless discussion is simple: It actually doesn’t matter because both chickens and eggs are here now. But if we want to have more great outcomes, we can choose to start somewhere.

Giving and Receiving: the Circle of Joy

What happens, if we pose a different question? “Which comes first, giving or receiving?”

Again, if we want to have greater results, we can choose to start somewhere. Giving something to others is surely so much easier than trying to get it first!

What happens when we try to get it first?

If we want to have something, naturally we try to get it. And we try to hold on to it after getting it. This is very natural to do-it makes sense intellectually.

But the actual result of ‘trying to get’ is mostly not ample and actual long term benefits.

For example, hoping to see others happy is not at all about deriving joy from them, or manipulating them to become happy. It is about how much happiness we can give them and thereby share with them. Full stop.

So where do we start to get what we want?

By starting from the other end of the circle- by giving generously!

When we give first before we actually fully have what we really want – what we dream of – we send a very powerful message to ourselves that says, “there is enough, and more will come”. It allows us to experience the joy today – the joy of giving.

We only need to give out the love generously to others. It simply comes back to us. Giving love is the only way to be generously loved. When we acknowledge everyone for the great things they do and the great qualities they have, again it comes back to us. Others acknowledge us because we acknowledge them.

In the same manner, if we want to have plenty in our life materially, financially, and mentally, we have to share in full measure with others, what we want.

Some are ready to give more physical things like time. Others opt to give what they can spare financially, like money. Those who give more (time, money, compassion, love, thoughts) have these things in abundance because it is the surplus. And surplus is the natural law of life.

Just keep in mind the rule of the game

Rule one: never hope to get anything in return when a thing is given.

When we have the conviction that giving has got as its inherent part, ‘getting’ something back, we become upset when do not see the return immediately. We may even feel a slight dissatisfaction towards the receiver of our gift. And surely, nurturing a bad feeling for someone is not a proper thing to do! So we can experience the real happiness of giving when we are doing something with the knowledge that we are doing it only for ourselves – we are doing it for our own happiness!

Losing to succeed, giving to receive.

In the beginning it may look as if we are losing. However, at some stage we recognize that taking things without giving is not an acceptable life pattern. And we have been aware of it all throughout. That is why tithing has been a normal part of the lives of many people who were leaders. And they did not do it with any fanfare so it was not done to gain popularity. It was done because it was a way of life.

Look around yourself. ‘Lesser’ creatures do it naturally. The bumblebees take the honey of the flowers and in return pollinate the flowers, thereby making them bloom. They do it in accordance with the laws of nature. They do not do it as a part of any law of justice. That is why they create permanence, without even making an attempt to do so.

Giving is just being who we are, it is just like having; not greater or lesser. No difficulty, no conditions attached, just releasing oneself.

The essence of getting more can be stated in two steps: Give first, and do not expect to get anything in return.

When we let go and give generously, what we want will be delivered to us. Naturally.

Find out more about how Buy1GIVE1 (BOGO) can transform your business using Cause Marketing.

There’s a significant global movement happening where consumers are asking business to take care of the things they care about such as the less fortunate in society and the environment. The request is mainly tacit and despite it being an ironic request it by far indicates still that we are in a time of vast change. Consumers these days want their cake and eat it. They not only want cheap products, they also want the environment to be preserved and they want workers to be well looked after.

There may not seem an answer to this complex puzzle and yet one actually exists. It exists in the reforging of a simple single word – GET. Today there is a new movement of people wanting to get but give at the same time and they are reforging its meaning into the word GIVE.

Every day I receive a notice from Google Alerts for two words – B1G1 and BOGO. It tells me all the new places that these words are being used on the Internet. I can now see that the new meaning of these words is coming alive ‘poco a poco’ [Italian: poco, little + a, by + poco, little].

The B1G1 and BOGO acronyms both stand for Buy One GET One free. You buy one and you get given an extra one for free.

If you look on Wikipedia you will find these definitions for BOGO (there isn’t a definition yet for B1G1 – there will be soon when I write one!):

* An acronym in the retail industry that stands for Buy One Get One. For example, you could say “Buy 1 DVD, Get 1 FREE!

* An acronym in slang British that stands for Britons Of Greek Origin or Greek Britons.

* Bogo, Cebu, a city in central Philippines.

* Norway, a village in Norway.

* Norway, a village in Norway.

* The mascot of the ITESM CEM.

* BogoMips, an unscientific measurement of CPU speed

* Bogosort, an ineffective sorting algorithm

BOGO light

There is a business in the USA called SunLight Solar founded by Mark Bent. He has created a special torch that not only is an amazing and sturdy solar-powered light; his company also gives a free torch to those in need in developing nations for each one bought. If you look on their website you will learn about their “BOGOlight”.

“The BoGo – our Buy one/Give one – program has successfully provided lights to many, many thousands of people in the developing world, changing lives because of your purchase and participation.” – BOGOlight.com

Mark Bent turned the acronym upside down when he started to use the word as part of his product name. For him now and the thousands who buy his lights, BOGO now means Buy One GIVE One. Each person gets to give a light every time they buy one for themselves. So now with each sale, people who do not have the luxury of electricity can harness the power of the sun to support their lives.

There are many other well known and many less well know businesses doing Buy One Give One giving, or transaction-based giving as its becoming known. Some of the famous companies are OLPC – One-Laptop-Per-Child and TOM’S Shoes. Some of the less well-known ones (in the US at least) are based in Oceania and the UK – Earthstar Publishing, Maple Muesli, Blinds Couture, Figure 8 Body Chains, Sunsplash Homes, Honestly Women magazine and Thavibu Gallery based in Thailand are just a small handful of these special businesses that are leading the Buy One Give One movement.

Many Buy One Give One businesses are coming together under the single brand banner of Buy1GIVE1; a Singaporean based social enterprise which is becoming the home of transaction based giving. Any business can now choose to be part of Buy One Give One giving with ease. It’s like a CSR ‘plug-in’ to allow a business to start giving from each and every sale today – starting from just one cent. It is now not even a matter of giving an equivalent product to someone else. Instead it is about giving to a charity project that is in resonance with a company’s business activity. For example a magazine publisher cannot support the planting of a tree every time they sell a subscription, a restaurant can feed a child for each meal sold, a TV store can gift a cataract blind person with the gift of sight (Get Vision-Give Vision), and a builder or property developer can build a budget home for those in need who have lost their homes in a disaster (Buy1BUILD1) – the list is only limited by imagination.

There is something very special happening these days as more and more people are switching to giving and what are known as ‘citizen brands’ as a part of their everyday experience. In the 2008 Goodpurpose study of global consumer attitudes it reveals that almost 68% of consumers would choose to remain loyal to a brand during an economic downturn if it supports a good cause. And 71% say that when they think about the economic downturn, they have either given the same or more time and money to good causes. This study also highlighted some other key points as well such as:

* 52% of consumers globally are more likely to recommend a brand to others when it supports a good charity cause over one that doesn’t.

* 52% of consumers globally are more likely to tell others of a brand when it supports a good charity cause over one that doesn’t.

* Consumers are now voicing a clear desire for marketers to associate their brands to social causes. 42% say that if two products or services were of a similar quality and price, commitment to a cause outranks factors like innovation, design and brand loyalty when selecting one brand over another.

Turning Getting into Giving

In the minds of consumers, Buy One GIVE One is expected to replace Buy One GET One as the new global giving movement led by Buy1GIVE1 spreads. Certainly with the massive sales results and consumer demand shown for companies like BOGOlights, One Laptop Per Child (OLPC) and TOMS Shoes, this tide will continue to spread and grow.

I did a Google search on the 25 topmost key words connected with the keyword BOGO as an experiment to see what would show up. The results were interesting so I have displayed them below. You may notice that right now the word Give doesn’t show up. It will be interested to do this test again in twelve months time to see what changes. Consumers are now driving change and yes they want to receive free gifts (traditional B1G1/BOGO) but equally they also want to give to others or see others being given to.

Keyword results:

Free, photography, blogging, discount, networking, African, boots, groups, music, dallas, togo themes, wallpapers, buy, applications, skins, values, coupon, gift, sharing, shopping, pics, join, prose

Transactional or transaction based giving

Buy One Give One giving is transactional – every time you buy something, you give something. In the case of SunNight Solar, TOMS Shoes and OLPC they happen to give physical products of the same nature for everyone sold. However, in most cases, Buy1GIVE1 associated businesses give a charitable contribution from each sale. Giving can start from just a one-cent contribution per sales transaction and go up to thousands of dollars in the case of Buy1BUILD1. At 1cent any business in the world can afford to give from each sale especially when they also know 100% of the contribution goes to the cause.

The amount of money that is contributed isn’t the focus with Buy1GIVE1 transaction based giving. The focus instead is on the story and sharing the simple joy of giving. After all, if you think that 1c isn’t a lot to give and would not make much of a difference think again.

Coffee consumption has spread globally and Brazil is by far the largest coffee producer in the world producing on average 28% of all coffee grown. In 2006 Brazil grew enough coffee to brew 216,400,000,000 (216 billion 400 million) espresso coffees! If we were to make this calculation across global production amounts then we get an amazing number for the daily global consumption of around 2,117,416,830 (2 billion 117 million) cups of coffee – wow! The figures are not easy to find but if we guessed that around 40% of the world’s coffee is purchased in coffee shops then we would find that 846 million 966,732 cups are sold commercially each day globally – almost 900 million. This would equate to about’5 million cups in the US alone seeing they purchase around 21% of the world’s coffee.

Now imagine that for every cup of coffee sold a child was given clean drinking water from its own well. It costs just 1cent per person per day to do this. Any coffee shop could afford to contribute this amount from the sale of a cup of coffee. Instead of clean water a coffee shop could contribute for the education of coffee farmers’ children, costing from 23cents per child per day. The options and stories are unlimited as well as the potential difference that Buy One Give One transactional giving can make to the lives of many.

Transactional giving is the story of the thousand-mile journey starting with that first single step. Digging a well costs a few thousand dollars so it’s a big barrier for communities in developing nations. However if you break the cost down it only takes the sale of a cup of coffee to give clean water to a single person for a day1. This is the power of transactional giving. It is like the compound interest of giving – a little turns into a lot very quickly.

Of course any company can do transaction-based giving with any of its products or services and do it on their own as some are like TESCO in the UK giving school uniforms to kids in Africa in partnership with Save the Children. And yet if companies choose to join together under a commonly recognised banner/brand they can have a powerful effect. The ripple that a single company creates is added to that of another and the ripple grows into a tidal wave of giving. This is the power of giving and doing things together.

The final power of Buy One Give One transaction based giving is that everyone wins – the consumer wins – at no extra cost to themselves they have made a difference through their purchasing choices – the business wins in so many ways – and the worthy cause or charity wins because they can now receive small amounts from many sources all aggregated and paid as a lump sum from a single source if done through the Buy1GIVE1 service.

A new start – a new world – new thinking

If you check Wikipedia today you should find that a new definition has been added for BOGO. It is time for a change. A change from focusing on GETTING to focusing on GIVING. The subtlety in the words that we use so often point to a deeper underlying meaning. I added this small addition to Wikipedia, “… an acronym in the marketing industry that stands for Buy One GIVE One.”

Imagine a world where every time you buy you are giving a gift forward to someone in greater need than you. This is the magic of transactional giving – seamless and simple.

This is the world I want to be part of.

Just remember – you don’t ‘get’ giving till you get giving.

References:

http://www.coffeepoet.com/2007/09/

http://www.dep.org.uk/globalexpress/13/page1.htm

http://www.tesco.com/greenerliving/what_we_are_doing/ethical_clothing.page

http://www.scfnw.org.uk/site/article183.html

http://simple.wikipedia.org/wiki/Coffee

http://www.goodpurposecommunity.com/

http://www.dep.org.uk/globalexpress/13/page1.htm

Footnotes: 1 Calculated by taking the average cost to dig a well, dividing it by its average expected life without major maintenance divided by the number of people in the community benefiting from the well on a daily basis.

Discover more about how Buy1GIVE1 (BOGO) can transform your business using Cause Marketing.

Use of Credit Cards

If you have a credit card, use it, but don’t forget to pay the entire sum, not the minimum amount, at the end of the month. Use your credit card wisely.

Rule of Thumb

Household expenses should be lower than 33% of household income. If it is higher, think of cutting down your expenses. Below are useful tips to cut down your household expenses.

1. Always clean your air-conditioners.

2. Wash your laundry on full load.

3. Put thimbles on your taps

Assign Book Keeping Duties to Your Kids

If you have kids, share them a simple task in book keeping, like data-entry. This will make them understand basic financial principles. It will also teach them to become responsible and promote good financial practice.

Organize Your Financial Statements

Take note of your finances. Compile them in a notebook or ledger. If you have an access to a computer, organize the physical bills and statements by putting everything into a spreadsheet. You don’t even have to pay up cash for a spreadsheet.

The following tips will help you organize your financial statements.

1. Keep soft copies of bills and statements, if available. This will save time from entering data.

2. Back-up all your files, save them into CD-R or thumb drive. Then keep them in a secure place.

Financial Planning

If you have a little source of income, and there is only one person working in your family, think of getting an insurance plan for the breadwinner. Financial worries are not something your family should cope with in the event the sole breadwinner is incapacitated.

Make It a Routine

The more you postpone, the more it piles up. Give at least half an hour each week to analyze your finances.

Learn more about a premier housing loan advisory firm, providing housing loans with free mortgage broking.

There is hardly a person in the west whose life has not been changed in some form by the internet. The number of benefits it has brought to us is countless. When we need to find information, hire a service, or shop for products, we now go online as opposed to visiting a traditional High Street outlet.

The size of the online market is vast. With the right understanding anybody has the potential to make money online. For this you will need to get as many visitors to your web pages as possible. Any of the following techniques can be implemented to add thousands of hits to your current level.

1. Video Marketing: The way in which companies advertise their products or services online changes and develop each year. As of today many businesses are discovering the potential of video marketing to spread information. As internet speeds have become faster so has the ability to upload and share videos. By placing “how to” guides on your portal you will be able to attract visitors who may then also be interested in your products.

2. Social Networking: It is a fact that sites such as Facebook, Bebo, and Orkut are amongst the most visited on the internet. They are not just for individuals; you can also create a profile for a business or product. This is a great way to build a network of potential customers.

3. Twitter: Do you use twitter? If you don’t then you should. Almost all organizations now keep in contact with their customers through tweets. It is a simple way to build an extensive contact list.

4. Directories: You can enhance your online visibility by adding information to various directories. These can often get a high ranking in the major search engines and so can be used as a stepping stone to increasing visitor numbers.

5. Links: By placing links on other websites you can drive more traffic to your portal. A neat little trick is to use a search engine to find the most popular pages relevant to yours and then add links to as many of these as possible.

Internet marketing is a very extensive subject. Did you know that currently more money is spent on online marketing than on conventional mediums? Get the inside scoop on this with our Internet Marketing Seminars .

With a few easy tips and the correct type of accessories you can give your vehicle the perfect car wash. You can begin by hosing down your car to get rid of the layer of dust and grime from its surface. Now start applying soap to the roof with a good car wash soap.

Do not use utensil detergents, no matter how efficient they prove to be with your greasy dishes. They can cause abrasion of car wax and leave your car devoid of its original lustre and shine. There are several good car soaps available in the market, just make sure to choose a good quality one.

You must also ensure that your sponge is not old and dirty, as otherwise you will make the car look dirtier, rather than making it shinier, by putting more dirt on it. You should use micro fibre mitts to make sure that you don’t take away the sparkle with your cleaning.

Once you are through cleaning the roof, you can then go to the hood, the back and the doors, in the same order and repeat the process. When you are sure that you have cleaned the car to your heart’s content, use the water hose once again to wash off the car thoroughly. After this, your vehicle still needs a little more to be done to gleam and shine again.

Letting your vehicle stand in direct sunlight after a hose down will result in water marks to be left on the surface. Hence, you should use chamois leather to wipe the surface so as to get the perfect shine.

The final result of the entire process will be nothing short of an expert car wash and you are certain to be satisfied with all the effort that you would have put in.

Discover where to find the best Car Groomers who are providing car wash and car polish services.

There are some things that you have to keep in mind before putting a house in the market. One of the most important factors is whether the property has been preserved and renovated properly to give it a fresh look, as then there is every possibility that a possible buyer or tenant will lap it up. How much a house is worth monetarily to potential buyers and tenants greatly depends on how properly it has been refurbished and how appealing its interior design is. In all chance, the returns would be much greater than what you put in on such renovation work.

Interior design can be an excellent stimulus for you even if you engage an expert designer for the task. Once you have your creative juices flowing in renovation work, you will feel energized, and the hope of making good profits out of the deal will propel you further.

You must have your end customers in view before embarking on the job of renovation and interior design. For example, elderly couples always prefer cosy interiors with a traditional look, while couples in their youth would prefer their rooms to have a contemporary and smart look.

The first thing that a buyer will take notice of in the house is the living room. It is meant for family get-togethers and for evenings spent with friends, and thus you should have the walls painted in bright colours. Repairs done with a slight coat of repaint is a good way to renovate the wooden furniture of a living room. The room can be made visually impressive by placing reasonably priced art works in it or putting paintings up on its walls.

One can’t deny the fact that it is the wife who has the final say on which house to purchase or take on rent. That is why there should be special focus on the renovation of the kitchen. The most important aspect of a kitchen is functionality, which must be emphasized by giving the appliances a fresh look and getting minor problems taken care of.

Once the interior designing is over, the exteriors should be attended to. Getting the exteriors repainted and taking care of the lawn would bring you much nearer to a lucrative deal.

Find out more about latest interior design and other top quality interior renovation ideas.

A corporate gift must be celebratory, so that the possessor can cherish the memories and accomplishment associated with it. When it comes to serving the function of reminding people of their past achievements, no other gift items can be better than trophies and plaques. Placing a trophy on display in the living room makes the receiver and his family feel proud in front of their guests.

The versatility of plaques has kept them sought after for ages as ideal gift items. Various materials such as wood, plastic, metal etc. can be used to make plaques. But when it comes to popular choice and sheer elegance, nothing compares to a wooden plaque. There is excellent variety within wooden plaques too as the type of wood used can differ and each one has it own feel, but the most popular are oak and cedar.

A good looking trophy with the recipient’s name written on it can also serve as an excellent corporate gift. Trophies can be made of various metals and they are found in a vast range of shapes and sizes. The size of a trophy is based on how much you are willing to spend on it, but in most cases, medium sized trophies are by far the best choice.

Plaques and trophies are widely acknowledged as one of best corporate gift articles for the permanent impression they develop, and they are always a safe choice.

Learn more about a unique corporate gift and an affordable award memorabilia such as trophies.

Paper bag printing is considered an art that has to be mastered, and a lot of printing services companies across the world have done extremely well in this field. The earlier versions of present-day paper bags were the grocers’ brown bags that were very plain and were without designs. However, nowadays, they have evolved into something that is both elegant and durable.

When going for paper bag printing one has to keep in mind several design related features of the bag. The purpose of the bag is a major factor that will determine your selection of paper quality, as the last thing you would want is a bag which gives way if the item inside it is a bit heavy.

Once the kind of paper has been decided, you have to select the colours that will be used for the graphic to be displayed on the bag. You have to get the correct colour mix for the paper bag so that it attracts the customers and helps in effective brand advertisement. If the colours are not pleasant to the eye then the users could react unfavourably.

The third design aspect in paper bag printing is striking that delicate balance between making the bag attractive yet highly useful. Every design feature of a paper bag, from size to shape, must be based on two important factors – the kind of people who will be making use of the bag and type of products that will be put in it. For example, inexpensive yet attractive rope handles can be attached to bags meant for carrying a new pair of shoes, as that will help in comfortable carriage of the bag and its contents by the user.

As the bags themselves are quite cheap, their designs must also be cheap, but you must ensure quality at the same time. Moreover, to have that eco friendly appeal, the paper bag should go through a process of production that is in line with environmental standards.

Finally, while heading for paper bag printing, it is necessary to decide on the message that will be displayed on the bag. Good suggestions in this respect will always be available for you as most printing services companies will have people who can come up with impressive slogans. But the message should gel with the brand image of your organization and must not be printed without the company logo accompanying it.

Learn more about brochure printing and printing services from a trusted printing company.

The main consideration must be what the gift is attempting to achieve – is it for showing gratitude to the customer for his commitment, or to mark the completion of successful venture, or for other reasons. For instance, promotional gifts which have a distinct marketing angle should be given if your purpose is to draw a potential customer to your organization. For this purpose, mugs, pens, notepads etc with the organization’s logo can form a good impression on the client.

If the customer has been availing the services of the organization for a long time, then the gift has to be selected from an entirely different point of view. Such long standing clients must be presented gifts that are chosen more cautiously, after taking into account their personal preferences. However, you can also give gifts such as a plaque, which is universally recognized as a mark of gratitude and admiration.

It is very essential that the same gift is not given for a second time to a customer. If the gifts are repetitive, they lose their influence on customers. So if you have already distributed calendars, for the second time try pen stands or picture frames and so on. But always ensure that the gift needs to be both functional and elegant.

An inferior quality gift can harm the reputation of the organization, so do not ever compromise on this aspect. At the same time, you should keep an eye on your expenditure. While giving an expensive gift might look nice, spending too much on it is unwise. You will give rise to expectations of an equally expensive gift in future, which is not a sensible idea.

Find out more about a unique corporate gift and an affordable award memorabilia such as plaque|trophies|trophy|promotional gifts.