Why I decided to stop buying Clothes?

When was the last time you go and buy a new t-shirt or shoe? When was the last occasion you go and buy clothes? For me it’s been long ago, I decided in the middle of last year at first to stop reduce buying clothes, but now I simply decided to stop buying new clothes unless something needs to be changed because it’s become too old (unless it’s a necessity). It’s not actually that I’m frugal or poor or can’t afford it. I can. It’s just that I don’t really feel the need to buy new clothes. I don’t wear rags, don’t misunderstand me. If a shoe becomes too old, I will throw it and buy a new one if needed. Somewhere along the way through my life, I start to think what is more important and simply decided to stop buying new clothes.

 

The truth about why I decided not to buy any new clothes, is that one day I simply woke-up open my closet and realise that there is actually a lot of clothes that I didn’t even wear once and still buy a new one last week. I was shocked by all the wasted, I had more clothes than my 2 brothers combined and some of them the news. I don’t even remember buying some of them. When I look at my closet, I was pretty disgusted. I had like 10 dress that I never wear. I couldn’t even open my wardrobe everything will fall on the ground, I was unable to find my favourite t-shirt because of the clutter of clothes accumulated. And I realise two things. First I need to reduce the quantity of clutter I have and that I don’t want any more clutter so that I will not be buying clothes for a very long time. I then realised that I was actually addicted to shopping, and I have never considered myself someone who need to shop. But after drinking my coffee, I understand that each month I was going to a shopping mall with my salary to buy clothes jeans, t-shirts and already have a lot of clothes. So I realised that I was actually addicted to shopping.

 

So I when to my closet put 3 piles of clothes the one I wear, the one I think I will wear and the one to donate to charity. I spend one complete day going through all my clothing. I pulled out 4 jeans, 6 t-shirts, 5 pullovers, 3 jackets, and make sure everything can be clean together and all top go with every bottom. I made like 20 outfits for all the years and boxed those outfit up that are out of seasons, for when I will need them.
After, I put all my clothes in a closet back. I confirmed my decision to stop buying clothes. I don’t mind having less clutter in my house. Why I’m telling you this? Because maybe you also need to stop buying clothes too. Maybe all this clutters, doesn’t make you happy after all. Perhaps you are spending all your salary buying thing you honestly don’t need. Maybe we need to stop thinking clothes are like sugar you use it and throw it. Clothes are not like foods, and by buying clothes, you help the industry to paid employee bad to make more money like H&M, Zara, etc.. that paid their employee less than a dollar a day in a dangerous condition to make the clothes you wear.

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I’ve this year make a promise to myself to reduce some stuff that I own. I just one day have a revelation about my life when I first wake up and realise how much I had become materialistic, and I simply decided it was time to change.
In the end, I understand that we need something else than buying clothes to fill the void. Advertising just wants you to think that if you buy this piece of clothes, this will make you happier but actually that not true. Happiness cannot be attained by some material items. You will only get dissatisfied over again.

 

By not buying clothing when I don’t need it, I’ve saved $1700 and have kept my stress level low and house clean. Because living paycheck to paycheck is so stressful. Just reducing my stress level and money alone was worth it for me. Stopping buying clothes just change my life.

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How to Simplify & Minimalize your life Now

In our culture of over-consumption and of stressful lifestyle simplifying and minimizing your life isn’t an easy thing to do. Most people will find your ways of living weird and absurd and said how can you live without this possession. Many believe that having the most bigger house, the more stuff possible make you complete, these behaviours are learned from culture and families. But some of this behaviour is merely becoming automatic and are our becoming our desire of lifestyle; our dream life. By just looking around and pausing life a little and only appreciate the sunshine and the life around us we can correct this habits.

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With our lifestyle there often time to meditated and enough time to stop and think about the small things that matter. It’s so easy to focus on the task to be done than to focus on why we do that. But life is actually made of the small moments, and significant changes are comprised of many small steps. Today in our daily lives there is so much change you can do to simplify and minimize your life.

Simplify your Finance

  • Follow a budget, stick to it and develop an emergency saving- Living paycheck to paycheck is very stressful.
  • Quit bargain shopping and only buy what you need
  • Spend a day a week without spending any money at all, learn to live with less.

Simplify your Home

  • Everything should have space in your house – if you can’t find a place for something, do you really need this? Nothing should be left on the floor or on the chair because you have no place for it.
  • Put more green in your house but not too much one plant in your living room and bedroom could make the difference between a relaxing place to a stressful and cold house.
  • Clean your tables, counters, floor and another surface.  Like I said in my previous article a clean house equals a clean mind.
  • Don’t mix technology and bedrooms make your bedroom a relaxing place without any technology. No TV, No Cellphone, No Computer, etc.. Bedroom is not made to check your email or to work. The bedroom should be a reserve to sleep and relax.
  • Follow this rule about your chores, if you think a thing can be done in 2 minutes do its right now. Like cleaning your plate.

Simplify your Kitchen

  • Plan your meal or pre-meal everything Saturday for all week, you will see this will make your life so much easier.
  • Reuse meal – if you make extra CHILI you can always reuse it and eat it with tacos.
  • Drink water instead of coffee or soda or alcohol for one meal per day. If you can cut it all, I recommended it you will feel more energic.
  • Clean out your fridge, freezer, and pantry once a month or week.
  • Try to eat more plant-food recipe and seasonal produce!

Simplify your Wardrobe

  • Shopping doesn’t equal leisure or pleasure when you realize it your ways of shopping will change drastically. Do you need this? Will you wear it? Do you have something like home?
  • Quit fast fashion and buy quality timeless item instead.
  • Switch to a more natural and ecologic beauty maintenance. If your hair colour is too much high maintenance change it, try to use one product for everything for myself I use milk to clean my face and to put in my cereal. I also make some of my beauty product homes, I will share some recipe in the other article.

Simplify your Social Life

  • Spend more time with people that you really care about like family or really close friends you don’t need to be friends with a lot to be happier instead this will make you more stress trying to follow the crowd.
  • Take alone days one a week, appreciate nature and yourself.
  • Explore your passion and learn to enjoy being alone more. Read more than watching Tv, go to walk, travel alone.
  • Identify your top priorities in life; this week, month and year. For me my priorities this year was to learn computer science, prioritize small goals. Be sure to seek out and act to get what you want.
  • Get enough sleep!
  • Stop gossip and complaining in your dialogue – keep a positive mind and you will attract positivity into your life.

Simplify your online life

  • Unsubscribe from unwanted emails or media
  • Clean your friend list
  • Take a day without any social media a weeks

 

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Hope this list will help you, simplify and minimalize your life. Download the pdf file here.

Love,<em

Melisssa Louis

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Accomplish

Setting goals is a crucial part of life and advancement throughout the life you want. Yet goals is sometimes so difficult to follow. They mean nothing without a plan to accomplish them.

Truly, as we set goals we sally forget that we need to make them realizable, putting a so much big goal is absolutely impossible to follow, I don’t say we should not have impossible goals and a big one. I said usually to arrive at these goals we must follow little one, step by steps. We must remember how far we have gone, by crossing steps by steps on a list of goals until we meet our one goals. We must not only focus on the goals that we don’t have achieved but the accomplishments we have already made, truly we will continue to seek this out for our other goals and be thought to yourself, not only be positive.

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Here Why Positive Thinking Doesn’t Work … And What does?

Being positive when things are going in the wrong direction is never going to work: It will make you feel like you’re forcing yourself to smile, trying too hard, make you ignore the situations or make you look stupid plain doesn’t it? When you are trying to be positive you will mostly hear from your heads “This is never going to work, why to waste your time and money on it, some people have it worst, or he will change I love him one day he will love me if I keep changing for him”; and never change your situation.

That is the ways actually you never achieved anything, and never build something new, and you keep focused on the old. Actually spending time trying to be positive, can help you get away with spending time trying to plan for our to be a better person, what you want to do and how you want to live, who you want to become?

That true you’re 100% responsible for your life, your happiness, and what you do with your time on Earth; that doesn’t mean living like you were dying that will be a stupid thing to do but that if you want something you should actually put the work on it.

Take some time now to ask yourself these simple questions:

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So when you are really engaged in what is going around you. You actually feel like everything around is hell and everything is breaking down! The key out of it isn’t positivity, it’s  not letting a thing be as they are. Instead, it’s become clearer when you know what you want (and what you want to be). Work toward your life, work on improving your life is difficult but slowly you will watch all the problems around you dissolve in the process.

Click through to download a free worksheet for this exercise!

Love,<em

Melisssa Louis

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Liebster Awards Nomination

As far as I know, being nominated is the same as receiving the award. I feel so honoured to have been nominated by LovelsConfusing; I’d like to thanks him for his incredible support. He is an amazing writer and has an excellent blog you should go check it out there.

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So what is Libester Award?

The Liebster Award is an award that exists only on the internet, and are to blogger by other bloggers. The earlier case of the awards goes as far back as 2011.

And if you have been nominated for the Liebster Awar and you choose to accept it, you have to answers some questions that became to you by the one that nominated you. (here the link to the complete rules)

So here is my answer’s to the questions sent to me by LovelsConfusing.

What made you decided that blogging was something you wanted to do?

I decided to write my blog the day, I was talking with my friend, and she didn’t know the most basics financial terms. And I decided I need to change this by helping other women understand and teach them. I created my blog to help other women to get independent financially and get through life as an adult. If I can only help one person, this is already a significant step.

What is one thing that you cannot live you??

Everyone, have one thing they can’t live without. That one item that makes everything right and a better day. For me, it’s my laptop. I love surfing the web, listening to music, and watch Netflix. I make my world go around. You will rarely find me without my laptop. I once have a laptop that breaks and was not able to make it work the scream would stay black. And I remain three days without my laptop when someone was fixing it, and it’s was feeling the longest three days of my life.

What inspires you to writes?

Inspires’ is a strong word. The music, the surrounding, my brain, my life sometimes inspire me. I write to motivate people. I write because I have to. I write to help other people and to make people happy.

Who is your biggest inspiration?

Your question made me stop and think. I can’t truthfully say that any live person ever inspired me, although there were a few tried to influence me, and a few who brought me down. I have been inspired throughout my life by many great people, actor, writer, politician, and economist.

My Father life? me. He balanced every decision on what was best for everyone involved, not on what was best for him. Many times I saw him chose a path that was more challenging for him because it was ” The right thing to do”.

My teacher when I was little at school, by teaching me how great it’s was to read and the basics of life.

My exes influence me and show me that I’m stronger than I can believe. An actor like Jack Black has also changed my life considerably, by choosing to don’t follow the typical beauty type of Hollywood and doesn’t care and be the best actor of comedy. Writers like Henry James, Virgin Wolf, Simone de Beauvoir and many other.

What do you think is your biggest strength?

I can answer this question like I will be doing in a job interview and said my multitasking but that would be false. My biggest strength is that I’m able to surmount everything and that I’m strong. In life, many situations put my to the point of giving up, but I keep going. I even was a point in my life when everything was dark, and I even was thinking about suicide but didn’t give up. I’m stronger than before because of all this in my life.

What is love to you?

This one is the more difficult question LovelsConfusing ask me. Love is not something that can be described in a list. Honestly, I don’t think it can ever be explained and understood because it means something different to everyone. It is a feeling, and you can’t describe feelings to people and have them comprehend. For some people love is a thigh hug for their parents, for others is their boyfriend cooking for them when they are tired. Love cannot; it is a list of stuff or emotion.

That what the Bible said about love:
1 Corinthians 13:4–8a Love is patient, love is kind. It does not envy, it does not boast, it is not proud. It is not rude, it is not self-seeking, it is not easily angered, it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth. It always protects, always trusts, always hope, always perseveres. Love never fails …

Scientific would say it made of dopamine.

But the love for me if you want to know is the simple act of kindness in everything life. Someone there to listen to you, listen to music, sitting doing nothing together, just be there for each other, every little things you can do in life to show your love, cooking his or her favourite meals just to make him happy, or even listen to this movie that sucks because if like it so much.

What is your singular goal in life?

My goal in life is to be happy, I think that is everyone’s purpose in life and should follow it as a goal. My goal is to give up superficiality and develop myself fundamentally in such a way that I become most at one with all living things and the universe itself. And to be free of this Financial attachment, to be financially free, to be free to work like I want and not because I need money to paid rent, to learn the real meaning of life by given up all this superficial life. I became minimalism one year ago and ecologist, I want to be free that my goals.

What makes you happy?

What makes me happy is straightforward stuff in life, like drinking tea and reading a book. Walking with my friends, sitting on the balcony. And out with friends, laughing so hard my stomach hurt, acting crazy, ice cream, winter, Christmas, Storms, tight hugs, music, watching movie, helping others, witnessing an act of love and compassion take place in this world, living, breathing, the sun rising, just waking up, etc… These things that people take for granted because I see death with closest eyes when I was younger.

My favourite blog

My favourite blog is My Fab Finance; this is a fascinating blog you should check it out. This is a blog that helps women manage their finance and an inspiration to all women that want to get financially independent. I which one day my blog can help people has much has her blog help other people with their finance and life.

10 Random Fact About Me

  1. My favourite meals are the Canadien Poutine
  2. My biggest fears are cocinnelle, yes cocinnelle hear right.
  3. I’m introvert and prefer the rainy day at sunshine day because it makes an excuse to me to stay inside and read.
  4. I hate my height and think I’m too tall (1.75m)
  5. I burn popcor, when I was young not knowing how to do them lol.
  6. I didn’t see or hear for my mother for more than seven years, not because I don’t want to but because she doesn’t want to.
  7. My favourite colour is black and blue
  8. I prefer salt to sugar food.
  9. I write my schedule and everything I do daily on my phone calendar.
  10. I use Grammarly for my blog to correct my grammar.

So here are my nominees for The Liebster Award 2017:

Josiesvoice

Archie Yuki

Vena’s Blog

Elizabeth

Debatablydateable

Skepticalmama

Mason Dave

Congratulations, you all have deserved it.

Now you need to answer these question for me.

  • What is the sentence that stopped you in your path and changes your life completely?
  • What does success means to you?
  • What do you need to let go of?
  • What is the best advice you will give your youngest self?
  • What is your biggest financial mistake?
  • What is the best life pieces of advice someone gives to you
  • What is your singular goal in life?

The Rules

If you have been nominated for The Liebster Award AND YOU CHOOSE TO ACCEPT IT, write a blog post about the Liebster award in which you should do the following:

  • Thank the person who nominated you, and posts a link to their blog. Try to include a little promotion for the individual who nominated you.
  • Display the award on your blog — by including it in your post and/or displaying it using a “widget” or a “gadget”. You can download images for the award here
  • Write a 150-300 word post on your favourite blog that is not your own. Explain why you like the blog, provide links.
  • Answer your questions and provide 10 random facts about yourself.
  • Nominate 5 – 11 blogs that you feel deserve the award, who have less than 200 followers and ask them your own questions.
  • List these rules in your post (You can copy and paste from here or from this site)
  • Don’t forget to inform the people/blogs you nominated about it.

Thanks again to LoveIsCoffusing for my nomination.

Love,<em

Melisssa Louis

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Why Women are scared of Money?

This blog was created personally to help women manage their money, but why? Because still nowaday nothing have to change the new survey said that 60% of women don’t know the basic financial terms, and 80% of these women are responsible for day-to-day management of household finances. To be ignorant about how money is working is like remain powerless outside particular accept of life and like not being independent at all. Most women will only wait a wake-up call to start managing their money? Even if this is critical to know how to handle your money, women will wait until they are in a perilous situation to start thinking about this.

Financial independent and Financial Comprehension is vital for women.

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It very common for professional women to still don’t know what to make with their money, how to invest, to save, and even how to open a debit account. We, women, are very trustworthy and this is at our disadvantage we need to know more about the basics financial term so no bank or people can fool us. Women must learn about money because it’s a fact women are around money more than men in everyday life. And it’s still true that women earn less than men do and also change more often jobs, usually in a pursuit of making more money because promotion is so more difficult for women to get than men and just changing job is more easier. There is also this big fear that many women have that if we go without a job they will be broke, or their husband died or divorce. That why many of us stay in abusive relationships or job we don’t like because we are scared of living in poverty and be broke.
To put an end to this fear we must has women learn more about finance, that why I decided to make my major in University Finance and Banking so no one can make a fool of me.

It’s time for women to add their unique personality to the finance world and to learn how to manage their finances.
We have women or person should not be scared to talk about money this totally normal. How if we don’t talk about it we are going to learn more about it ? That why I get myself a mentor, women mentor that teach me all the financial terms, and even influence to start saving. She tells me story of her younger self about how she would have done better, like she sould have start saving at 20’s instead of 30’s. And everything she regret buying.
Has women we must face our fears. You must decide how to spend your money, save it, and how to invest it. And even how to don’t be scare to talk about it with your partner or husband easily. You must learn to unlearn what you have learned that whithout a spouse or a partner you will be poor, or even the fear that has women you will always ear less than men, or just the fear of being poor. That why I see so many women getting in marriage, they don’t like because they think that without this man, they will not be able to manage to buy a house or food. They sale their pettiness to settle for less that they deserve, you deserve to be in love relationship base with respect and not on your fear about money.

We are also more scare of men of lossing money that why we don’t invest as quickly. Men usually ear more than women, that why if they lose money they can replace it easly.
We have women must learn to unlearn what we have been taught to be scare of MONEY.

That why I decided to do a blog especially for women, because has a women myself without my mentor I would never have to know what I know today. And I know how it’s difficult for us women to find a good guide. I will be your mentor with this blog (for any question you can always ask via comment or send me email I would be grateful to be able to help you make budgeting melissaglouis@gmail.com)

Love,<em

Melisssa Louis

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Top Financial steps every women need to take in their 20’s in order to kills it in their 30’s

If you’re in your 20’s, you’re surely new with financial terms and banking. So let’s start from scratch! Because with every new fashion trend, new makeup trend your finances can quickly become a little too overwhelming! If you’re in your 20s you’re surely always thinking did I am too young to start planning my budget, to take major responsibilities or too old to spend all your salary on this new Gucci Bag. Here I will talk about the basics… The number one rules I learn with time is that self-discipline is more important than anything else event than your salary.

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The start of financial independence is finding a job.
Get experience, I know this taught to do. But when you’re young living at your parent’s house this is the best time to go do an internship. I understand you’re young and want to enjoy your summer break, but I can ensure you that doing an internship when you’re still living at your parent’s house is so easier than doing it residing in a dorm or when you are living alone. The more you have experienced even if it’s waiters are better for your CV history. You can also use a website to help you create your perfect CV or resume using a template.

Cancel your allowance from your parents.
If you get a job, you will have a salary, so that means income. BUT THAT DOESN’T THAT YOU’RE AN ADULT AND THAT YOU’VE LEARN YOUR LESSON – I personally believe that I learn a lot more when I first leave my parent’s house to go live in a dorm and for my first hard experience with money. If you have read my previous article, you probably know that I use to be addicted to shopping and when I when broke living all alone, I learn from my mistake. When my father stops my funding I was furious and jealous of my cousin still living from their parent’s revenue, now I am grateful that I learned from diving into the deep end. I can ensure you so much satisfaction for being self-sufficient and setting your parents free from your financial responsibilities. This is your financial wake-up call, and this will oblige you to get your shit together. If you are spoiled when you are alone and if you get to mess up it’s will too late to start over.

Organize your account.
Ideally, you need to have set up 3 differents account within your bank:
1) Debit Account where your salary is debited
2) Saving readily available in case of raining day and can be created with a minimum money
3) Investment account,: to save money and this account is not to be used

I also join another bank to do retirement account you are never too young to open one, the younger you begin it the more cash back you will get when you retired. Distributing my account set up has kept me organised and most importantly, in control of how much I spend each month and save. I also recommended that you use a bank that allows you to do deposit and transaction at the ATM since I know in your 20’s you’re still doing small step into the bank and finish university at hours that bank is usually closed.

Create a budget & monitor your cash flow
If you don’t know how to do a budget, you can always read my article about how to build a budget here. I can ensure you that sticking to a budget will help you put away enormous chunks of money in saving each month, soon enough that you can put a down deposit on your first property! Having an end goal also help! Attempting to put at least 30% of your wages into your saving will helps you grow your financial security even further.

Emergency Fund
It’s great to have a saving account, and it’s also great to have an emergency fund other than your saving. Realistically you should have 6 months waves in your emergency account. This important to get your own security, if anything occurs. This is the millennial method of survival mode.

Be Efficient
Now with all the technology, you can easily download a free app to help you manage your cash flow and daily expenses click here for more information. There is no need to keep up with the Jordan. This LUXURIOUS LIFE that you’re supposedly living will harm you and your finances in the long term. There is no reason to eat out all the time, to have this need trending clothes, there is no need to maintains a false image, Be smart be savvy. That doesn’t mean to clutter your wardrobe with cheap clothes but have a few one high quality that lasts longer, you don’t need to get all the trending clothes that will be fast no-fashionable anymore.

Utilise yourself
If you have a talent, skill, and interest – be smart improve it and utilised it. If your skills are writing why not doing a blog, if your skill is to draw sell your painting, if you’re interested in design to take a photoshop course, etc.. This can help you make an aside income to your primary source of revenue. It all about using your skills for a financial benefit, sometimes something has simple has helped other write their CVs can help you earn a nice bit of pocket money.

Sell what you don’t use or Donate

If you have something, you never wear or never use you can always sell them online or donate them to charity this will make you feel better. And also improve your living. Minimalism is happiness with simplicity.

Quality over quantity
What I have learned over time is that you can buy so many things in excess for the sake that this is on sale. But accumulating a dozen of pairs of shoes, bags, jeans, will actually make your life a living hell and your closet will be so disorganised with all this quantity of clothes. It’s better to have less but quality over this past 3 years I donate almost 90% of my wardrobe, now if you go to my room you can see white space, and I also have no place to put my plant.

I hope my article helps you.

Love,<em

Melisssa Louis

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How MOOCs change the face of the education ?

MOOC is the abbreviation of Massive Open Online Courses; this means this free massive online course that everyone that can have an Internet connection can use to learn.

Like Malcolm Forbes said It’s never too late to learn.

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This type of websites has really emerged on the web and as the new contender for the next new education technology. Many web sites are very contradictory about this subject some said that this not equal to real study in the classroom and other said it’s the becoming of a news type of education.

So I decided to test it for you and what I found out about it; it’s that this is really educative and enjoying. There is every week a chat room with the teachers and we can ask questions, there are homework and study. But like it’s online you can cheat more often, but me I didn’t and you have to study event so it’s on the Internet to pass the course; if you’re not serious or don’t want to learn you will get nothing of this online course like in a real classroom. And what is great about this it’s that this is totally free, but the certificate some site give you at the end have no real value in job interview only this gives some new knowledge.

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What is the advantages of MOOCs and why this is so interesting?

MOOCs have 2 fundamental differences from the previous online educational:

MOOCs are available for free, anywhere, at any time, they have a platform easier to use and to learn from any time and any situations.

MOOCs have social engagement communities of students that can chat together, help each another, pose problems, resolves questions, add additional material to the class, and support other students in their study or learning.

 

But what it’s the most important differences it’s that MOOCs are made for large numbers of students to study and learn at the same for free, school like MIT and Harvard invest $30 Million of dollars in the website EDx to help student that cannot afford to study to have some kind of free education.

One of the big problems I see it’s that most of the course that they offer are just some kind of introduction, if you want to develop it in more details you will have to pay for a real class.

But like Malcolm Forbes said It’s never too late to learn something news and when it’s free and available so easily why not learn something news?

MOOCs Web Sites:
https://­www.coursera.org/
https://www.edx.org/
https://­www.khanacademy.org/
https://­www.udacity.com/
http://­www.mooc-list.com/

 

More article like this there 

Love,<em

Melisssa Louis

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