6 inconspicuous things jealous people do !!


You find these people everywhere. Just when you thought you had a great companion, colleague or a friend they get you with a teaspoon of a comment that hints of ‘jealousy’. No you cannot avoid them and you have to react to their comments with a feigned smile. But there is something I tell you about the curious case of ‘uncomfortable with your success’ people; seldom do they realise that people understand what they are trying to do. Sometimes they do it unknowingly that is when you have to take these people just as an entertainment value. Read on if you are around one of the below:


  1. They will subtly ‘one-up’ your story- Whether it is the new deal you got at the restaurant or the course you are taking at the university, these people will always have something better to add to that. It is beyond them to just listen to someone else’s good story, they always find a way to add their own.
  2. They don’t acknowledge you- If you have put a happy story on facebook, it is very rare that J people will not notice it. Probably they have seen it 100 times and googled your story twice. But they will behave as if they have not had the time to see your update.
  3. Disqualify your achievement-  People find excuses to settle with their own failures. Some of them belittle your achievement by saying ‘I have seen so many people doing that, it hasn’t worked for them’ !!! And boy they can give you real statistics proving that.
  4. They make you feel guilty- So think you take up a special course at that community college leaving your kid behind, the ‘J’ kinds will always mention the trade off. They will tell you how inacceptable it is for them to leave their kid around for an upgrade. They will always make you feel bad about how you are missing out on social life by just following your heart and taking up that course.
  5. They overcompensate-This is when they know that they are jealous and they try to camouflage it by being overly happy about your achievement.
  6. Give you backhanded compliments-So you bought this dress online and your friend mentions ‘Isn’t it funny that this dress looks good on you but when put it on..I look tacky”. You got the point!

Fear Factor and Network Marketing


It is said that we were born with only 2 fears-fear of falling and fear of loud noise.By the time we hit our teens we have developed around 4000 fears.It is strange but true that every time we say ‘No’, most of them are generated with an innate fear of either being fooled;being vulnerable;being carried away;of loosing. Our first instinct is to say ‘No’ not because we have a reason but because we have made some fear a part of our DNA and will be passing it onto our scions. How have we crossed these several years day in and day out pregnant with several fears hovering us?As if fear can change the future.But I am sure not having a fear can change the future.

And now I come to network marketing.How much we hate people who reach on to us during our busy lunch hours at office with a catalog! As soon as we see a woman approaching with a glee in her eyes and a catalog in hand, we sprint towards our bathroom and pretend to give a short smile. It is astonishing that how much we hate consultants from a network marketing company but on the other hand we are spending our weekends subtly selling our thoughts, recommending products, giving advice, swearing by a certain esthetician or a mechanic. We never know our friends to whom we are recommending, selling, advising in such confidence might be mumbling ‘Here she goes again’, but because they do not have the option they listen to you and sometimes honor you too.If we do it ourselves why do we hate that woman or a couple who are trying to do just the same for some extra bucks?Here I am not talking about scam companies and  schemes;I am referring to legit network marketing companies.

We would rather run to the most expensive shops and buy stuff from there thinking that’s the real deal. Don’t you think we are fooling ourselves?Everyone in this world wants a piece of that paycheck in your pocket.Nothing wrong in it, you also work for money and this is how economy works.

Why are we so averse to Network Marketing? Is it because we are in fear of opening up to a person with a catalog in hand? Is it because we think that woman will get a commission?But so does the salesgirl at the shop.And so does everyone gets a piece of your paycheck whether its government, retail, your boss and in some cases you! Are you not recommending your colleagues on Linkedin or ask for a recommendation? Linkedin exists because it harps the prospects of network marketing;pear to pear recommendations and that is a legitimate approach.

Many argue that these network marketing consultants have no training then how can they recommend a product? Hear me out, are you trained to advice your friend but you go ahead nevertheless? And when do we listen to the trained consultants, even we have spoken to a financial advisers we always go by our instincts..then why the pretense of not buying from a network marketer just because they have tall claims and have less training?

Some of the great products I have is from network marketing companies and I will never go back to the retail for those specific products. Yes they are little pricey because there is normally a great deal of research that has gone in those products and they are niche’.But they will be the ones to give you more bang for the buck with goodies and discounts because they have eliminated the middle man. The truth is network marketing or Multi- Level Marketing (MLM) is a business model existing since 80 years, tried and tested. It has a catalog because they want to reach directly to the customers. They want to eliminate the overhead costs and the money they make from you as a customer hence redirecting it to the development of the product, therefore better quality for customers and higher compensation for consultants.

If you are a prospective customer then you better start warming up to these consultants because chances are that the way business will be conducted in future.Most of the business start ups now want to eliminate the overhead costs hence dissolving the wholesalers and retailers. So, open up and just don’t say ‘No’ out of a fear. Make sure you have valid reasons.

And if you are a consultant and a network marketer just don’t accept a ‘no’ and be afraid.Dare to ask ‘Why’?

Business is not just jargons, number cracking and predictions. There is a more humane way to do business and you want to ride that wave! Don’t forget everybody needs a human connection! Don’t operate out of fears, operate out of reasons.

Daily Prompt: History of Language


Third time is a charm!

There is something mysterious about number 3. It is just enough by the borderline.For example if one is on a diet and has one cookie, he/she thinks ‘it was nice to try it’;the second time they have it ‘I cant have just one, I need to have just one more’;the third time they eat it, they say ‘OMG this is indulgence and enough’.So, number 3 is just enough.

English stackexchange says that it has an origin from the writings of Shakespeare from ‘The merry wives of Windsor’ 1602.Google  can date back its origin to English Law or even in some searches to 13th century.The truth is not one answer can tell where this phrase comes from?. Its like knowing that lake meets a river, a river meets the ocean and who does ocean meet?No one knows.There are many proverbial stories about where did this phrase come from? I do not want to delve into that as its a jungle out there. That is why language in itself is so intriguing.It does not have a certain origin.We can just build references to its usage but the origin itself is unknown.Just like not one picture can tell you that how an egg became a butterfly likewise no one instance can tell us who coined this phrase.There can be endless possibilities that a primitive man or even an ape might have tried to make fire by rubbing two pieces of stone and would have failed two times and would be successful in making fire the third time.Or it may also be concurred that this phrase is a part of an ‘oral tradition’ passed on from times immemorial from one generation to other.

I feel that three is just the certainty of sorts, where one and two cannot decide, generally third can arrive at conformity. It is possible that scientists feel that three is easy to remember whether we see it or hear it thrice.May be its property of being odd makes it indisputable.

Some food for thought.Why do we always say ‘I am the odd one out’? Why is it always about ‘Location location location’;Why is it we use ‘Try Try and try’? Why is there a Holy Trinity?;Why does Canada’s national flag has maple leaf with 3 sides?Why does USA’s flag has three colors red blue and white?

Whatever it is, its mysterious and nothing in this life is certain, so is language.

A holiday challenge out of turn

Ok so my husband read my last post and really liked it. He casually asked me, like I tell most of my young clients, if I am willing to tone down my holiday preparations money wise and still keep the fun? I was unsure if I am willing to accept the challenge as I have always been a careful person who budgets for everything from buying a Gucci bag to the smallest item on my grocery list. I was not willing to tone down this year also because I have saved comfortably for the party and the gifts and the biggest reason; I have a new one waiting to arrive anytime and its celebration time! The inner Aries in me refused to give up on this challenge. So changing plans meant changing the following :

  • A new Christmas tree and decoration– I had planned to buy a brand new Christmas Tree with white snow flakes this year, as I got bored with old one and already chosen my decorations from ‘Home Sense’. The challenge meant that I shelve all these plans and still not feel bad about it. I rushed to my basement and stripped my old Christmas tree of all its old decorations. My next destination was taking a u-turn,into the dollar shop. I was pleasantly surprised to see the decoration items they had. Instead of picking my all time favorite red, green and white.I picked up all purple. I went overboard with even buying the wreaths from there. After my shopathon I apprehensively turned to the cash register and waited for the cashier to tell me the golden figure. “Its $22”, she said and voila! I won this one. My Christmas Tree looks more than perfect now with those purple decor’s hanging in there and I cant even tell its my old one.
  • Gifts from ‘The Bay’– I have always shopped from here. I know I know its expensive.But I budgeted for it. I just loved the moment when I handed over the white ‘The Bay’ bags and loved the shine in my friends eyes. I always thought that if I get them something less than that, it might look bad for my image or they may think I am in some kind of crunch whenI am not (I wish I knew earlier, I was soooo wrong).  Ok, so now I had to forget this. Instead I went to Ikea and bought some wooden picture frames $7 each and printed a  picture with a personalized message. I was a meeting a friend over for lunch as she will be away for the holidays so I had to give this gift before she left. After a banana loaf and coffee at the cozy Starbucks it was time for the gift. I slyly took out the gift and waited for her phone call.The call didn’t come the same evening. This morning I got a call from her and it looked she was emotional after reading my personalized message on the picture I framed for her.Her words “Best gift ever” and I knew she meant it as she has always spoken her mind. The AHA moment. I was all this while underestimating my relationships. I get the hint. I was wrong all this while.
  • Gifts for little ones– So, I thought of spending at least $50 on each kid, a total of four kids (one including mine). ‘Toysrus’ my one stop destination. Alas! I had to give it a miss. My Plan B,I had bought the jazziest gift bags from dollar shop and filled it with lots of goodies like chocolates, crayons, play doughs, star wars figurines, Cars2 toys etc etc etc. My grand total for a pack of 4, $36. What?????? I cant believe the bill. I bought 5 bags and gave one as an experiment to my 3 year old son and he cant get over the variety of things he found in the goodie bag. I must say my challenge was turning out to be pretty satisfying.
  • Crib and clothes for the new baby–  I do not know why but I wanted to buy $300 crib from Sears for the new one. But keeping the new challenge in mind I had to hem my aspirations for this one too. The old crib I had given away so I had less options and time even less. For the first time I browsed through sites like Kjiji and found the best deals. A new mother was giving a great deal on a brown almost new crib for just half of the price of the new one. She also had some great deals on baby clothes she had hardly used. I made up my mind, that I will be honest and even try buying those clothes (One thing I had never done). It felt awkward to go and pick it up as she might be thinking I cant afford a new one (she didn’t know I as under a challenge), but I still did pick it up. After the crib has sat in the nursery for almost 2 days, I really cant stop thinking about how my thoughts really did not let me explore any new and more economical options.I cold have saved even more! It does not matter, where I got the crib from, what matters is who will sleep in it! What a learning experience.
  • Gifts for me – I have always been a person who loved to give gifts it gave me a lot of satisfaction. So I still had few people who were good candidates for my gifts.It is tough to skip them. But for the first time I am going to not only skip gifts for them but I will expect gifts.

I do have some handful challenges to meet but I have overcome the biggest ones. The money I planned to spend on the above is still sitting pretty in my savings account. Apart from having saved even more money, what I realized was what we lack in our lives, we often fulfill it by spending money on it that is even more bubble reputed. The challenge has become priceless for me.I am more self assured and confident. I am not worrying about my image, I am getting more real.Extra money never hurt anyone.I am certainly loving it !

Tra ! la! la! la! la! la! la!

How to last your paycheque?

So, If you are reading this,that means you are already thinking about your finances.By finances I mean, you have already asked yourself questions like “Where is my money going?”;”Will I always live with this crunch?”. You better be serious as you never would come to know that when the mercury will rise and your financial status will start affecting your feeling of well-being. As a banker I have seen this happening to many singles and couples earning on both the extreme. The trap is easy-If you see $$$, you will spend it.I am not here to talk about the big dollar amounts, registered and non-registered RRSP accounts and ROI etc with those jargon rattling your mind.I believe in keeping it simple.Read on..

1. Get real -Yes, this tough but you know what is tougher? Its seeing your money disappear. Jot down all your expenses account;from Tim Horton Java cup to Walmart trips.Add every expense.It is like going on a guilt trip because you know you have over spent and somehow you just don’t want to look at it.That is OK, be nice to yourself.

2.Thats what I make– This is no guess work.You should know your after tax pay advice.And now start afresh. Just pick a pay week fresh and take that as your starting point.

3.Credit is not your money– Most people think that they have x $$$ to spend as credit.There are no free lunches.Keep Credit card only for booking travel tickets.

4.Grocery– Go with a list always and make way for one or two surprise purchases too.Not many of you must be knowing but companies pay a premium to retailers for keeping a certain product at a customers eye level.Always make sure you check the top and bottom most products as well,they are as good.Also, if you are fond of buying cosmetics and can’t control, just go for free samples that is available at most of the counters.
5.Piggy bank-Yes, and a transparent one. Any spare change that you get like pennies,cents,a dollar etc,straight away put in the transparent piggy bank.You will be surprised how that comes in handy.One of my clients saved $40 worth of coffee a week by digging in her piggy bank.Always carry that with you in car,it’s a handy purse for paying parking and coffee.Never forget to take a small portion from your paycheck, like $40-$30 biweekly for your ‘on the go’ expenses.
6.‘God only knows’ account– GOK account is just like a savings account where you put away a small fraction of your pay cheque and never look at that.I started putting $20 every pay cheque since 4 years now and ‘God only knows’ how much that account has.I have never taken out money from that account so I am sure it is helping me somewhere.
7. RRSP or TFSA – It is simple, if your company matches your RRSP contribution then start putting away some money,you can start away with as low as$50 every paycheque.If your company doesn’t match then you can open a tax free savings account, where you can put the same money away and you won’t be taxed on that particular amount. The whole idea of putting money away in RRSP or TFSA or GOK account is that, if you don’t see that money you will not miss it. Also, if your company believes in benefits then its always a good idea to exhaust all those benefits ,it’s like free money gone unnoticed.Some of the company offers discounts on some stores, tuition fees reimbursements, eco -pass for transits etc.Always rely on your HR website and before you go shopping do a little recce.This goes a long way.
8. Spoil yourself- Tight budgeting is like going on crash dieting,if you hold it too close to your heart,they may not work.So, set a time for yourself, that every 2 months or so you will spend a particular amount on yourself (say $200 if you earn from $30000 to $ 35000 for eg yearly).
9.Be At It – money will never grow on trees so you have to be at the job of visiting and revisiting your bank account every three days. Until you hit that jackpot, your only jackpot is your ‘paycheque’.
With these little things you are sure to see a positive amount howsoever little at the end of your paycheque and believe me,many people I know have saved upwards of$800 monthly by just staying mindful even at a meager salary of$20000 yearly. It’s worth a good try.
                                   Till then stay smart, stay true to your finances and stay that way!Image