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10 tips for speaking like a Ted Talk pro
Know your audience
Know who you are speaking to. It will help you tailor the talk and will help keep the audience engaged.
Is the audience of your speech going to be mainly fellow psychologists, health professionals, other professional groups, students or consumers? What do they want and need to hear?
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Stress while managing your money
Everybody has been, at some point in their life, stressed over money. Fortunately, there are tips which one can find extremely useful in periods difficult to manage.
For instance, whenever you read bad news about the state of the economy, you might want to consider taking a moment to think well about your next move instead of making a decision with possible negative future effects, due to the context.
Keep track of your financial stressors
When facing money issues, you might find that a good solution is making a plan.
This implies identifying your financial stressors as well as establishing ways to decrease your expenses.
Turn stress into opportunities
Whenever you find yourself in difficulties related to how to handle the stress that managing your money brings, try to not give in to addiction, but rather seek professional support or, even better, think outside the box and find new ways to turn the issues into opportunities in order to make necessary changes.
When you should use credit
When you use credit cards responsibly, they can give you a lot of power. The best circumstances to use a credit card is:
- When you're traveling, you'll get better rates for foreign exchange fees when you're traveling abroad. Travel rewards cards will also offer travel insurance.
- When you need security, credit cards have no liability for fraudulent charges and you can cancel or freeze your card instantly.
- When you want rewards. Most credit cards now will give you rewards for using them.
- When you’re making charges for work because you don't have to front the money. You can get reimbursed before the bill is due.
When you should use cash
- When you have an emergency: Cash is accepted everywhere, so have some on hand. Dave Ramsey recommends having at least $1,000 in an emergency fund.
- When you want to limit your spending: Psychologically, we spend less money when we use cash as you can see the money leaving your hand.
- When you want to make healthier purchases: Customers who pay with cash are less likely to make impulsive purchases.
- When you want to have a better relationship with the things you buy: When you pay with cash, you may feel a deeper sense of connection and pride in the item you purchased.
- When you want to make a small purchase at a small store: Every dollar you spend at a small store, they're losing two cents automatically - a cost that could eat up into their already small profits.
When you should use debit
- When you want to avoid getting into (more) debt: Since your debit card is connected to a checking account, you theoretically only spend what is available in your account.
- You want to pay for everyday purchases conveniently—things like gas, groceries, and coffee.
- When you want to limit your spending, but don’t want to carry cash.
- When you want the best of both worlds between cash and credit.
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Key Ideas
Arrested Development: saving money the safe way
There is one lesson everybody who watched this TV show must have learned: when saving money, better put it in a safe place than risking to lose it all. For instance, you could find as reliable savings, accounts that will not only keep your money safe but also enable you to increase your savings.
Schitt's Creek: write-offs
This interesting TV show made us realize that, unlike what some of us might think, write-offs have the role of lowering the amount of income that one is to be taxed on rather than returning the money one spent.
The Office: have a side hustle
This funny TV show provided us with some valuable lessons, among which the idea of a side hustle. Having a side hustle will not only enable you to earn some extra income, but it will also offer you the possibility to change your mind from the everyday stressful life.