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Thrift is a tax free payrise – start practicing thrift today!

99 thrift is a payrise 1000

Thrift is a tax free payrise – start practicing thrift today! Thrift allows us to live at a higher level on the same amount of money or less! So if you have $100 worth of bills every week and you can reduce this down to $95 for the same goods and services,  the effect is like a $5 payrise.  Your $95 outgoing used to be $100, so your current $100 is now worth $105!

Delve into this a little deeper and you will fins power in thrift! “thrift is half thy store” is a famous 7th century quote. Nothing has changed in 1300 years since,  so thrift must be a spiritual power! And it is!

Thrift is one of the steps to the spiritual state of Wealth!

reverend master j’iam

Rumbitty, rumbitty, rumbitty, rum, rum!

Rumbitty, rumbitty,  rumbitty, rum, rum!

In times of old there were two Irish brothers. Brothers they were because they had the same father and mother! And they used to tread to work in the fields each day along a country path. 

Rumbitty, rumbitty,  rumbitty, rum, rum!

One day they met a leprechaun and, thinking quickly, they seized him so he would give them a wish!

“Okay i’ll grant you a wish each, but it must be moderate wish, seeing as to how it’s lent!” he said to them,

“A pound a day and no more!”

“That seems fair enough to me” said the older brother, and the other agreed!

Rumbitty, rumbitty,  rumbitty, rum, rum!

“Come each day this way to that oak tree and you’ll find your pounds underneath it” said the leprechaun, “But beware, if you don’t pick them both up for more than 4 days you’ll it’ll be the end of it!”

Rumbitty, rumbitty,  rumbitty, rum, rum!

So the brothers looked forward to the next day and sure enough under the oak tree was two pounds! “What are you going to do with yours?” asked the older brother! “I’m going to the pub to have a booze up and see if i can’t get that snobby Mary with my money!(a pound was a lot of money in those days!)

“What are you going to do with yours?” Asked the younger brother.”I’m going to save 15 shillings and spend 5 shilling on myself and mammy!” He replied. “ah, that’s big hearted of you!” said the younger brother.

Rumbitty, rumbitty,  rumbitty, rum, rum!

And so the brothers went there separate ways, one spending his pound everyday the other savings most of his and building up the house for him and his widowed mammy. One day he would buy sheets, the next day he would buy a table, the next a bed! And so the house became full of good furnishings and clothes. Plus he fixed the house up and added on an extention. Plus they bought an acre of land next door and they started a garden and orchard! 

Rumbitty, rumbitty,  rumbitty, rum, rum!

But the younger brother was selfish and never contributed to his mammy and spent all the money each day on wastrel living – drinking, smoking, womanising, gambling and so forth. At first he was happy and then, imperceptibly, his life became worse and worse. He was always broke and couldn’t wait to get to the tree each day! He started borrowing money and not paying it back, so his debts mounted. The drinking and other excesses took a toll on his health and life because a constant struggle – even though, by the standards of the day, he was rich!

Rumbitty, rumbitty,  rumbitty, rum, rum!

And after a couple of years his drinking led to him having “blackouts” and he started missing trips to the oak tree! Another couple of downward years and he was missing up to three days! And each day the money was there and gone the next morning because it hadn’t been picked up! Eventually he missed the fourth day, even though his brother tried his hardest to get him to come and fetch his pound! And so the spell was broken and the daily pounds stopped!

Rumbitty, rumbitty,  rumbitty, rum, rum!

What a tragedy for the younger brother – he was in deep debt, was wasted and had no income and no savings! The bailiffs came and took him to jail and threw him in! 

Rumbitty, rumbitty,  rumbitty, rum, rum!

But the older brother had known this day was coming from the day they were granted the wish, because he knew what his brother was like! That is why he saved three quarters of his money to build capital. He had a freehold home and an acre of land in vegetables an orchard plus a milking cow and everything they needed in ways of household goods. So the loss of the pound was not a tragedy and they were able to retire on the capital he had accumulated in the bank for the rest of their lives, his mammy and him!

Rumbitty, rumbitty,  rumbitty, rum, rum,

rumbitty, rumbitty,  rumbitty, rum, rum,

rumbitty, rumbitty,  rumbitty, RUM, RUM, RUM!!!

I have but one question to ask, which brother are you?

kindest regards,

May Love, Detachment, Health, Happiness, Peace, Success and Prosperity BE yours,

reverend master j’iam


phone/text: 0221 625 941 (New Zealand)

WPPN Website;



skype: jiamwppn


Thrift is a tax free payrise


There are two forms of thrift – passive and active. Only active thrift is a payrise. Passive thrift is only a reduction in costs. Active thrift comes comes to us through wholistic accounting and is a very powerful tool in creating a virtuous cycle, which of course the the foundation base of true Wealth!

No one ever got Wealthy without a virtuous cycle behind them. Of course you can get rich, but what good are riches? Riches are gained by doing and having. Wealth is gained by BEing, DOinng and having – can you see the difference? This is why the rich man went to Jesus seeking his BEingness! Jesus gave him a perfect answer, but the young rich man was too attached to his money to take up the proffered answer (“Can’t I just have my BEingness for no effort?” BUZZZ! NO!!! Lol!)

I think i will have to write about thrift pretty soon, it is such a powerful weapon in wealth creation!

Love, health, happiness, peace, success and prosperity

kindest regards

reverend master j’iam

WPPN Website;



skype; jiamwppn


Thrift is a payrise

“Thrift is Half thy store” is a quote from Ali Muhammed, the son in law of Muhammed from the 7th century. That advice is 1,400 years old and still as valid today as it was then. But today I would put it as, “Thrift is actually money you can spend twice, thus a tax free pay rise for you for no extra work!”

Most people go out to earn money, which is then highly taxed , to buy the products they want (not necessarily need). If they want a Television set worth a thousand dollars retail they have to earn at least $1,300 spare income before tax to afford that item. Otherwise they have to borrow that money from a hire purchase company and actually end up paying at least $1,500 (which equates to $1,950 before tax!) So obviously, this is a vicious cycle. To get into the virtuous cycle we have to start saving up and using thrift in combination.

Know that most businesses only make a profit for 7 out of 12 months of the year. The months that they have trouble making profits In New Zealand areJanuary and February – because everyone is broke after the Christmas splurge. The other two months are August  and September because NZ is an agricultural country and all the farm workers have no work because this is the middle of winter, beginning of spring. The agricultural workers basically live hand to mouth and spend when they’ve got money. No Money means reduced spending, so all the big sales are in August/September in New Zealand. So the months to buy are January/February and August/September. I buy all my Christmas presents in August/September as they are all cheap and Christmas is only 12-16  weeks away! It is also good to do your Christmas shopping away from the commercial pressures of the season!

Back to your $1,000 Television set. Assume you have $1,000 and want to buy that set. Even if it isn’t on sale in these 4 months (and expect it to be dropped to around $700) you can always offer them $700 and they will either say yes or no. If they say no go to their opposition (there is always opposition!). Cashflow is very important to these stores and it is very tight in these months, so don’t expect too much opposition to your offer! You are the sale the dream about!!! Remember, “nothing is worth nothing until it is sold!” The buyer has far more power in the “down” months, if the buyer just knew it and organised their buying trips  for these months! (notice the word organise!)

What it means is you’ll get your $1,000 television for $700 and you still have $300 left. So your actual $1,000 is actually worth $1,300! And you’ve already paid the tax on it, so you have increased you income by $300 whilst reducing the tax on that money to 0%! This is the power of thrift.

There are also two secondary steps to thrift that is even more powerful, which i won’t discuss today! 

Think about your buying habits and start organising around your “sales seasons” in your country!