10 Simple Tasks to Begin Saving Money Today

Budgeting and saving money can appear almost unrealistic when everywhere we go there is some kind of expenditure. How are people doing it? How do people remain committed enough? Well, budgeting can really be quite easy. That is, as long as you are actually dedicated.

 

These budgeting and savings tips are ones that you can start using today for a stable financial future. We are not suggesting you eat only once daily or sell all of your belongings. These are realistic and attainable saving methods that you’ll absolutely want to pledge to if you’re saving or planning a budget. 

 

  1. Sit Down With Your Money 

Update yourself every week on what you spent. Did you spend more than you budgeted for food or entertainment? Where there areas that you didn’t account for spending? Being informed on your financial standing weekly will help preserve your budget. Maintain your spending on a strategized, goal-oriented plan.

  1. Cut Out Cable 

Low-priced streaming services available, such as Netflix, Hulu, or Amazon Prime, make cable seem like an added expense you could live without. Cable prices will only continue increasing and are projected to surge to an average of $123 per month or $1,476 per year. That’s a fairly large quantity of money that can be saved for other financial purposes.

  1. Save On Food 

Food is an essential so you can’t really cut it out. However what you can cut out is your spending. There are numerous techniques to save on food that you probably haven’t thought of or dedicated to. For instance, strategize your meals for each week and cook yourself, organize a potluck with friends rather than going out, or make coffee at home. Dollars spent on a quick meal here and there can actually add up fast, so it’s all about planning. 

  1. Travel Financially Smart

Contemporary leverage lodging rental websites like Airbnb, Travelmob, or Housetrip, make it easy to locate a place to stay on vacation at a portion of hotel prices. Additionally, these places may have kitchens you can cook in (to save more money) and you can rent out your place at the same time (more money!).

  1. Work More 

This savings tip seems too apparent, but if your job allows it, be sure to do it. If not obtain a side job or freelance. Also, this leaves less time for spending. 

  1. Wait 48 Hours Before You Click “Buy” 

Don’t purchase items on an impulse. Especially in the age of online shopping, you’ll want to wait 48 hours before clicking “buy.” You’ll frequently recognize you really don’t need that extra jacket.

  1. DIY

There are endless “do it yourself” instructionals online to help you either fix things, create presents, or even make household beauty treatments. These will save you money and you can learn a lifelong skill.

  1. Impress Yourself, Not Others

Learn to be impressed with your savings development rather than trying to keep up with other people’s spending habits. Just because someone has an expensive car or purse doesn’t mean you need to get one. Impress yourself with your money saving skills.

  1. Chill With Your FOMO

The same idea pertains to the “fear of missing out” or FOMO. If your friends go out for drinks everyday, it doesn’t mean you have to. You’ll ultimately be happy with your savings triumphs and be less upset over a missed party.

  1. Don’t Get Discouraged

 Even if your savings don’t appear to be increasing exponentially, that doesn’t warrant you giving up. Begin by taking small steps and you’ll soon make a habit and then a lifestyle out of saving. Saving only one percent more is better than nothing, so do your best and stick it out.

Which Credit Card is Right for You?

As every person has different financial behaviors and goals, it is necessary for there to be a wide variety of credit card options on the market to suit these different lifestyle factors. If you are looking to obtain a credit card, here we offer three simple tips to consider when making your choice.

 

1) Know your credit score

 

When you check your credit score, it will reveal which card you are eligible for. A high score means more chance of receiving great benefits. You can improve upon your score by changing your spending habits and affecting your credit reports. Your bank can help you understand this process much more.

 

2) What do you need?

 

Not all credit cards are the same. There are cards that can improve upon your credit when it’s limited (e.g. Student or secured cards), there are cards that save money on your interest (low interest transfer cards), and cards that earn rewards (rewards or travel cards). Consider your lifestyle and spending habits to get clear on why you want a card in the first place. That will point you in the right direction.

 

3) Final Choice

 

When you narrow down the type of card you want, then you must choose between the many options of cards that are on the market. Though they are similar, examine the small point of difference and assess which one best suits you. Some secured and student cards will allow you to increase your limit later, for low interest options, you can create your own debt repay system, for rewards and travel cards there are different spending goal for bonuses required.

 

Basically, the small differences in each card can make a big difference in your overall benefits that you can experience for having a credit card. Which ever option you choose, be sure to have confidence that you can pay your debts in a timely manner and reach you financial goals in an affordable and efficient way.

Are you a business in need of accepting credit cards or online payment?  Contact ARX Payment Services at https://arxpay.com.

Benefits of Mobile Payments for Your Business

In the world of business and retail, the advancements in technology devices are making the act of business transactions more efficient and accessible for customers and business owners. The advent of mobile device payment options have come into the forefront of retail sales procedures in a big way this decade. This allows customers to pay on the go with a smartphone, tablet, apple or android device. When devices are linked with the correct applications and accounts, this makes online mobile payments a breeze. For businesses deciding whether to utilised this form of payment, here are a few of the advantages of the use of this technology.

– Safe and secure: Your customers data for their accounts and cards will remain safe with special encryption during the transaction.

– Inventory: Upload pictures, add descriptions and access your inventory data quick and easy on a mobile device.

– Sales history: You can view and manage sales history in an easy, effective manner when people use online devices. You wont have to wait to settle totals as when it comes to the past electronic transaction process of Eftpos.

 

The real benefits of utilising new methods of mobile payment devices lie beyond just these examples – it’s all about the efficiency and ease of the purchasing experience for customers. When your business boasts the use of these innovative technologies, your company is seen as a reputable, modern and innovative business which will draw even more customers to your retail products or services. There are many devices out there for you to choose from, and you can find a great selection of the range online, as well as expert advice and tips for which device is right for you.

For more information on Mobile Payments contact ARX Payment Services: http://arxpay.com/

NO GYM? BURN MORE FAT IN HALF THE TIME WITHOUT EQUIPMENT

When it comes to holiday season, it can be hard to find time to go to the gym for a workout. Oftentimes during the holidays, people tend to slip from their exercise routine and ultimately head to that downward spiral of, ‘well I’m not going to the gym, might as well ditch the healthy eating too…’ If that sounds at all remotely familiar, you’re not alone. With an all or nothing mentality, this can lead us to reverse all of the hard work we put in before things got busy, and eventually that familiar guilt laden post holiday mentality.

 

Even though the holiday season does detract from your usual routine, there are effective waysto keep fit and healthy without leaving the house. Short bursts of high intensity activity is the key. You don’t even need machines, equipment or a lot of space to do so. Even just 10 mins of high intensity exercise, especially in the morning, can be a great boost to your metabolism. Not to mention getting those feel good exercise endorphins running through your system. With a higher intensity, it can be more beneficial for metabolism and fitness than an average 30-40min session of steady state cardio or aerobic sessions. When you change up your pacing, rhythm and movements during these bursts of exercise, your body responds in a way which sees faster results and more calorie burn proceeding the exercise than regular, steady pace, longer periods of working out. Using your body weight is a great tool for adding extra challenge, with simple movements such as squats, plank variations, lunges and a host of other movements all help to tone and strengthen your body. Go for sprints, stair runs, jumps, hops, skips… In short, all you need is your body and less than 30 mins to keep fit, strong and healthy.

 

For professional assistance in dramatically cutting weight, visit your local chiropractor.

Eat Super Foods For Weight Loss

You may have heard it once or twice (or a billion times!) in various forms of media, or perhaps from that health-enthusiast friend, that ‘super foods’ are the biggest trend in boosting wellbeing. There’s no denying that super foods are dominating the health food industry. Tons of products from foods to beauty and skin care boast their effectiveness in containing super food ingredients. From creating vitality in the body in energy-boosts, cell repair and rejuvenation, metabolism and weight-loss benefits, and other illness and disease fighting properties, there is a range of super foods out there for every purpose. When it comes to weight-loss, there are many options of foods that can greatly assist in the process, as well as giving your body the added benefit for overall health. Here are just 5 of the most SUPER super foods that can help you slim down and stay well.

 

#1: Avocados

The right kind of fat in a diet are actually beneficial for fat burn and overall weight maintenance. Though it may seem counter-intuitive, the fat found in avocados, for instance, allow the body to stay fuller for longer, curb cravings and lower blood sugar levels. All which are beneficial for those looking to drop the extra pounds.

 

#2: Oats

Super rich in fiber, as well as dense in nutritional carbohydrates, just one serving (especially in the morning) can help you to feel fuller for longer as well as help to boost your metabolism.

 

#3: Blueberries

Super high in anti-oxidants, these super food berries are a delicious and sweet option for a snack. They are also low in calories, which makes them a great alternative to other sugary foods, which may otherwise hinder your journey to weight loss.

 

#4: Broccoli

Eat broccoli in abundance for its protein packed goodness (great for metabolism) as well as being super low in calories.

 

#5: Almonds

All nuts are a great option for weight loss snacks. Although more dense in calories, they offer tons of vital nutrients and are generally all very high in healthy fats and protein. Almonds in particular are super rich in calcium, just one of the many added health benefits.

 

/for more nutritional help, advise your local chiropractor!

Rainy Day Blues: The True Reason You Feel Down

When it comes to “rainy day blues,” it’s not just a case of our moods being affected by feeling irritated at the rain, or being joyful on sunny days just because it means you can get out and about – it goes deeper than that. The real influencers here are the changes in weather and sun rising/setting that comes with seasonal changes. Our bodies respond with that sensation of “rainy day blues” on colder, darker days – prevalent in winter and cooler climates and regions of the world.

 

We all have a natural body clock (circadian rhythm) which regulates our sleep/wake cycle, and in turn, this regulates our moods. The winter season can throw off our natural rhythms with the changing times of the sun becoming brighter later in the morning and darker earlier in the evening. Our sleep patterns are adversely interrupted, which is a major factor for how our moods are affected, as our bodies naturally want to adjust to the rhythm of the sun (in its creation of melatonin – the sleep chemical) though oftentimes, with our pace of life, we go about our lives as if nothing has changed. The affect is that we ignore our natural body signs, which affects our sleep, and ultimately, how bright and shiny we wake up.

 

If it’s not available to you in your lifestyle to adjust your sleeping schedule, then there are other ways you can support your body in balancing its circadian rhythms when the seasons change. The more time you spend outdoors – particularly when the sun is rising or setting, the quicker your body’s rhythms will adjust.

 

Also, light therapies are on the rise in modern times. Studies reveal that people who deal with depression during the darker seasons, or regions that don’t see much sun (namely, the U.K), can expose themselves to ‘light boxes,’ which may help to regulate your mood.

 

Generally, your body will balance itself out, after a mild run in with seasonal mood changes. If you do notice that you have longer, recurring instances of low mood, then also look into other treatments, and again, consult your doctor to ensure it is not more than just feeling the winter blues.

 

For more information on how you can stay healthy both physically and mentally, get help from: http://lernerchiropractic.com

Motivate Yourself To Workout

In the modern world of fast paced, high stress lifestyles, coupled with efficient systems of transport and technology, there’s no wonder that the general trend of the number of those who opt for ditching workouts to live more sedentary lives is increasing. The number of the general population taking part in physical activity on a general basis has declined, and continues to do so as there are now, more than ever, a multitude of reasons to not move our bodies. Busy jobs, accessible public transport, the rising cost of gym memberships – the excuses are infinite. In truth, with 24 hours in all of our days, it is about how we are prioritising our time and our real reasons for not making physical activity part of our lives.

 

It is an obvious fact that physical activity is necessary for overall good health and well being. Reducing the risk of chronic disease, supporting healthy functioning of our brains and organs, aiding in mood regulation and promoting an ease of being in our bodies. Here we offer some useful tips to increase motivation to work out.

 

Plan for it

Having a workout scheduled on your to-do list is important to keep yourself accountable. Instead of making that snap decision in bed that you’ll get up earlier and workout (how often does that work?), plan it in your diary and in your work with specific allotted time to work out.

 

Motivate yourself

Read about, or watch, motivational movement sports books and videos to get yourself jazzed up and in the mood to move your body. Listen to music that makes you want to dance. Working out to music is a great way to keep the motivation throughout the session, and distract yourself from any tiredness.

 

Get a buddy

Working out with another person is great for accountability. If you have a date set, you’ll be less likely to ditch it. Also, having another person by your side during the challenge of a workout can be a great motivation, and overall, an enjoyable experience.

 

For more fitness help, weight loss or nutrition advice, contact your local chiropractor.

The Truth About Laser Treatments For Acne

If you’ve ever had acne, then you’re very familiar with discomfort. The stares from strangers, the eyes dropping from yours to your breakout. It’s not fun. And it leaves many individuals with low self-esteem and shame.

But the fact is that 60-million people in the U.S. have acne—ranging from mild to severe cystic cases. Thankfully, nowadays, there are a variety of treatment options to choose from including laser treatment for acne.

It seems too good to be true, right? Just shine some fancy light on your skin and all your acne troubles disappear. Well, that’s not quite how it works. Here’s the truth about laser treatments for acne.

 

1. Keep Expectations In Check

Acne laser treatment is effective, but will not “cure” your acne. Most patients who undergo this type of therapy see a significant clearing of their acne but it’s rare for this treatment to completely eradicate it. Talk to a dermatologist about combining treatment options to give you the best results.

 

2. Results May Vary

Because each of us is unique and different, the way each of our bodies responds to certain chemicals or substances is different. There’s no way to predict who will and won’t respond favorably to laser treatment.

 

3. A Series Of Treatments Is Usually Required

Some issues can be addressed effectively with a single laser treatment—but acne isn’t one of them. Most studies have shown that it usually takes multiple treatments for acne to respond to the therapy.

 

4. Be Patient

Expanding upon truth #3, regardless of how many treatments you undergo, don’t expect to wake up the next day with a perfectly smooth face. It takes time for your skin to respond to the treatment—usually a couple weeks or so.

 

5. Side Effects ARE Possible

Maybe you’re drawn towards laser treatments because you’ve heard horror stories about the side effects of some of the prescription medications. If that’s the case, I’m sorry to say that lasers carry their own side effects, although mostly minimal and far less serious than some other acne treatments. Swelling, redness, sensitivity to the sun, or burning sensations are the most common. Other uncommon side effects include blisters, pigmentation, and lingering pain. It’s important to follow your dermatologist’s instructions very carefully to avoid this.

The Power Of Gratitude

There’s no denying the power that gratitude has in affecting our quality of life. With the ever present desire for finding ways to live a more fulfilling, happy and healthy life, countless studies are constantly being conducted as to what this means, and how to create it.

 

Simply, gratitude is an act of expressing a feeling of being thankful. This can be done in a multitude of ways – from verbal recognition to others, to self affirmations, to visualizations and meditation processes, to list writing. It is not so much how the gratitude is expressed, rather, the focus of being in that thankful energy. Mental health patients experience positive results when applying a gratitude practice of some kind in their therapies.

 

Some studies, in particular, have found that simply writing or thinking of lists of that which we are thankful for, even (especially!) on the most challenging days, this can help improve sleep quality. Additionally, a study which was conducted on war veterans revealed that participants who regularly took part in a gratitude practice were less inclined to long term post traumatic stress disorder.

 

Gratitude is for everyone, however, not limited to those who are seeking therapies. It’s all about shifting our focus from what is not going so well, or what is lacking, to what is going right. Oftentimes, when we say that ‘nothing is going right’ or ‘I have so many problems’ then, of course, this is what we will experience. There can always be something we are grateful for, even if it is as simple as our pillow, or being able to breathe. Shifting our focus from negative to positive gives us some space from the issues that may be overwhelming us enough to gain clarity in our minds and find solutions more effectively, as well as experience the benefits of the joy that comes with finding things to be thankful for. Overtime, the more you are grateful, the more you will find in your life to be grateful for.

 

For more advice on your overall health and wellbeing check in with a local chiropractor.

Caring for Disabled Veterans

Facing a wide range of challenges, both mentally and physically health related, veterans often exhibit cases of more long-term, debilitating effects coming into their senior years. This means that not only do they deserve a high quality home care regime, but often need it more than what is expected of the general senior citizen population. Various pension programs, in many countries throughout the world, usually fund the cost of care of veterans. Whether it is preparing meals, medication schedule reminders, assisting with hygiene maintenance, dressing, grocery shopping, or offering a kind ear and friendly company, there are many ways that veterans can benefit from in-home care.

 

Physical disabilities from combat are an obvious and very prevalent situation – oftentimes missing limbs and wheelchairs add to a more complex in-care regime. Exposure to various elements and substances throughout their experiences have been linked to causing hearing issues, and in some cases, may have resulted in neurological imbalances. This is important to keep in mind when caring for any veterans in the home environment, as issues such as Post Traumatic Stress Disorder can also be very prevalent in any generation of veterans. It is estimated that 10-30% of people returning from war end up suffering from PTSD. This brings with it a range of emotional and mental fluctuations ranging from detachment to anxiety and distress and flashbacks being some of the common occurrences in a sufferer. This is especially important to know as PTSD can go well into the senior years, even decades after the events take place. This requires an in-home caregiverr to be mindful and gentle when it comes to the emotional state of the veteran.

 

To find a qualified caregiver, visit Griswold Homecare’s website: http://www.griswoldhomecare.com