Tag Archives: lifestyle

Learn To Live For Today And Plan For Tomorrow

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Learn To Live For Today And Plan For Tomorrow

We all walk a fine line with our finances. We don’t want to spend our time doing nothing, we want to enjoy ourselves and experience life’s little luxuries from trips away to fun purchases. If you constantly favor saving over spending, you’re going to have a pretty boring life. At the same time, though, we have to prepare for tomorrow. We need to think about making sure that we are going to be financially secure ten days, ten months, or even ten years from now.

It seems that we are under constant pressure to plan for tomorrow. Just look at the housing market. As soon as you hit your twenties, there will be people around you, telling you to buy a home. A home gives you some form of financial security sure, but it also ties down your finances. Now, for years, you’ll need to fit in mortgage repayments into your budget. These can be incredibly expensive and will make paying for those luxuries that you love just that little bit harder. As such, it might be wise to not buy a home until you have the income where you can easily cover this cost and still live a full life. Or, simply prepare to accept the fact that, at least for a short time, you won’t be able to afford those fancy trips or that new car. You can learn more about whether you can afford to buy property on www.cnbc.com.

The lesson here, is that it’s a balancing act. It’s about balancing what you need with what you want. It’s about balancing what you must spend with what you’d love to purchase. It’s about planning for the future while still enjoying the present so that one day you’ll be able to look back at the past with no regrets. So, let’s explore some of the ways you can do this, and we can start by thinking about budgeting:

How Should You Budget?

Budgeting is actually easier than a lot of people realize. You need to start by working out exactly what you make per month. This is the total amount you have to play with, and it should include all of your incomes. So, if you have a side hustle, make sure that this is counted. Unless you would rather see that as extra money.

Then, subtract all of the costs that you are aware of. This includes bills, rent, mortgage repayments as well as an average food cost. So, you might budget fifty a week or more for food. Now, the amount you have left should be halved. Half of this must go into savings. Set yourself a goal to save each month and put this as a direct debit on your account. Just like a tax, it will leave your account at the end of each month. This cuts out the choice of hanging onto it and spending it. Congratulations, you’ve just made a smart choice on how to prepare for your future.

The other money you can spend however you like. Put it towards your holiday, use it for presents or nights out. It’s your choice, but you have to remember that this is all you have to spend. Now immediately, you might notice a problem. There isn’t actually that much to spend is there?

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Budgeting is key!

Play With The Numbers:

This is where you need to start cutting costs on things that you need so you can afford things you want. An example of this would be something like energy bills. We all have to pay energy bills, but they should be more manageable if you can go a little more green. Make changes to your home to save energy, and you’ll have a little extra to spend each month. It won’t be much, but it will make a difference. Since you have already set a target, add that to your spending budget for now.

You can also think about boosting your income. What you’re looking for here is a passive income. There’s no point in taking on a second income to enjoy your spare time if you’re going to end up with no time to spare. There are various options for passive incomes from the stock market to property. Research a few and find out which one will benefit you and suit you the most. If you’re good with numbers, you might want to consider forex trading, which is basically investing in the value of different currencies. By predicting patterns, you can make a fortune in this market without even trying.

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Preparing For Disaster:

Of course, your budget is based on your income. Any hit to your income will kill both your spending budget and your savings. Worse still, it might mean that you have to use your savings to cover expenses that you can no longer afford. You can see how this would be an issue. Suddenly, you don’t have any money in your account for the future. This is where great budgeting advice that is found on www.lifehacker.com comes in handy. But how do you handle this situation?

You have to prepare for any disaster that can be foreseen. You’re probably thinking, wait a minute – unexpected costs can’t be foreseen. That’s why they’re unexpected. It’s not true. You might not expect to develop a disability, but you can forsee that it’s a possibility so you should plan for it. Anyone could develop a disability. You might be involved in a car accident, you could fall at work, or it may even develop due to biological causes. Since it could happen, you should plan for it. According to www.insurestat.com, doctors should definitely do this because anyone working in the medical field who develops a disability will probably be unable to work. As such, they should protect their income. You can protect your income with disability insurance and guarantee that you are always on roughly the same level of pay. Regardless of whether you can work or not.

This isn’t the only disaster you need to prepare for. You have to consider the worst-case scenarios that could impact your finances. Medical bills, for instance, are one of the greatest causes of debt in the USA today. You can plan for this by buying into the right health coverage plan that provides everything you might need.

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Insurance is a must.

Don’t Always Wait For Tomorrow:

Tomorrow doesn’t always come. Or rather, you can miss too many tomorrow’s and before you know it you’ve run out of time to do what you want. This may sound morbid, but you could die tomorrow. So, you might constantly be putting off that holiday to a point where you can easily afford it and when you’ll still have savings. But what if that day never comes? Most people do live their lives on an average, basic income. They never reach that 100K a year paycheck, and yes you can wait until retirement and use your 401K. But, after you’ve retired, you might not have the energy or the health to do everything you wanted. Don’t let life pass you by while you wait around for the right moment to do something.

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 #justdoit

Live For What You Love:

Finally, you need to make sure that you’re not spending your hard earned money on things that you don’t want and that you don’t need. This happens all of the time. We’ve already mentioned one example, and that’s property. Buying a home can be right for some people. But, if you are still moving around and haven’t settled, it’s just a waste of money and adds plenty of stress to your life that you don’t need. Instead, you should continue to rent. While it might be dead money, it can be far cheaper than purchasing a home that you may never pay off.

Ultimately, you have to live your life in a way that makes sense for you and financial purchases should be part of that decision. Some people spend their whole life traveling around the world, work by freelancing, and never once think about settling down into a comfortable routine. This site, www.justonewayticket.com, has some great advice on spending your life traveling. Could this be the lifestyle of your dreams? Perhaps! And as long as you have a plan for tomorrow, you can live however you want to today.

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#goals

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Is Nutrition Just A Balancing Act?

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Is Nutrition Just A Balancing Act?

A lot of times when we read articles about nutrition or see a nutritionist terms such as “balanced” and “in moderation” show up. Yet, surely nutrition must be a little more complex than one big balancing act? Not necessarily. We as humans like to over complicate things due to our intelligent and ego driven brains when nutrition, like so many basic aspects of life, is a very simple equation.

You’ve probably heard of the saying “you are what you eat”. Indeed, this may have been drilled into you from an early age – but how much attention do you honestly pay to this principle? You don’t need GI doctors to tell you that all that sugar, saturated fat, and caffeine is bad for your health and well being. We all know that excessive sugar, fat, and salt are bad for our hearts and can cause Type II diabetes… yet, we keep on doing the same thing.

Rather than beat yourself up and make all sorts of rules about what you can and can’t eat, the best way to approach the great balancing act of nutrition is to picture a bank account. With a bank account there are deposits and withdrawals. The deposits nourish your bank balance while the withdrawals deplete it. If there are too many withdrawals, the account becomes overdrawn, and you end up in financial trouble.

Using this metaphor as a parallel for nutrition, it’s clear that deposits and withdrawals exist. As an example, drinking a vitamin filled smoothie could be considered a deposit because you are investing nutrients that are going to replenish and revitalize your body. Whereas eating a chocolate bar would be considered to be a withdrawal because it is not doing anything for you.

Making the occasional withdrawal is fine, as this way, there is still an equilibrium. If you are to withdraw more from this bank account nutritionally then you are putting in is when you run into problems. That’s when serious diseases start to occur. The word disease represents that your body is in a state of dis-ease; meaning it is out of balance.  No matter what your current condition of health is, the best way to ensure a long and healthy life is to keep your bank account in credit and balance the books!

Nutrition is important. And what is equally as important to what we put in our mouths, is how often and how intensely we move our bodies. Just a twenty minute walk at a moderate pace with some good music will do the trick to get you into the “aerobic zone”.  One of the most universal and all around forms of exercise that requires very little equipment, and is accessible for all, is swimming. It is easy on your body and it sure is fun.

The bank account of your health depends primarily on two things; the food you eat and the amount of exercise that you complete. Hopefully, this simple metaphor of the bank account will inspire you to make better day to day choices and keep on top of the balancing act that is nutrition.

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Are You Struggling With Your Health?

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Are You Struggling With Your Health?

Are you constantly feeling run down, as though you’ve got no energy left to do anything at all? It’s a common occurrence for people to start feeling like that. There are so many things that we could be doing to potentially harm our bodies, yet we carry on doing them. Even the littlest things like how much sleep we’re getting can dramatically reduce our health within a few weeks. But to get to the point where you feel as though you’re struggling with your health can be pretty worrying, so we’ve got some ways to solve the most common ways that people could be damaging their health:

Toxins:

The main reason why so many people struggle with their health is due to the many toxins that they’re including in their diet. It can be a range of things, but one of the most common ways we’re doing it is through the abuse of alcohol. A cheeky drink at the end of every day can so easily turn into an addiction, and an addiction can be hard to crack. One thing you might want to consider doing if you ever got to this point would be addiction counseling. It is one of the easiest ways to get out of the habit that you’re in, and it is always good to talk to someone about what you’re going through.

Other toxins that so many of us are putting into our bodies is through food. We’re going through a time where people are skipping the vital vitamins and minerals from their diet, and replacing them with foods that are high in fats and sugars. If you want to get back on track with your health, consider changing to a diet that includes a lot of leafy greens and fruits.

Aging Problems:

Some things we can’t help, but it is just something that we go through as we get older. For example, menopause for women is not a nice experience to go through. A lot of women actually really struggle with the process, and it can make their health feel really low. There’s the sweats, mood swings, and fatigue, among many others to try and cope with. But, it is a natural aging process that can’t be stopped. Another, possibly more crippling problem, is arthritis. Again, something that can’t be avoided, but can be managed. The best thing to do is use anti-inflammatory gels to reduce inflammation and, more importantly, keep the joints active so that it doesn’t seize up.

Work Related Problems:

The work that we do sometimes can cause us the biggest issues. Even something that might seem so easy as sitting at a desk can cause us to struggle with our health. For one, you’ve got the postural issues to contend with. Sitting at a desk for hours a day will no doubt affect it, but you can get foam cushions that will support your back to keep it up right. Then, there’s the issue of weight gain if you’re a snacker at the desk. It might not seem bad in the beginning, but the lack of exercise during the day coupled with a poor diet will eventually equal weight gain. Try and stay as active and healthy as possible by walking around the office and standing every hour to stretch after a stint in your chair.

Lifestyle choices can be altered and can improve your health for the better, one simple change at a time.

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From Hobby To Passion, Finding More Time For What You Love

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From Hobby To Passion, Finding More Time For What You Love

Finding your balance in life isn’t always easy. When you feel the scales tipping too hard in one direction, it can feel like you’re stuck in a rut. With the state of modern living, all too often those scales tip too heavily in favor of work and the important responsibilities we all carry. When that happens, it’s time to take a closer look at how you spend your time, and how much you dedicate to your passions.

Recognize the benefits:

First, we have to get rid of the stigma that some of us attach to our hobbies. It is true that in many cases, you don’t get an easily understandable return on your investment. Most people aren’t going to make money off of their passion. However, they are going to enjoy the benefits that can enrich their lives not just personally but professionally. People with hobbies tend to be more productive and more motivated in their work. They can learn plenty of transferable skills that can apply to their careers. Perhaps more importantly, it helps round you out as a person, gives you a broader perspective on life, and gives you the downtime that you need to get away from work every now and then.

Be willing to invest:

If you want the full benefits of finding a passion, whether it’s writing, backpacking, archery, or something entirely different, you have to be willing to give into it. Most passions require some kind of gear or tools that cost money, but the time it takes to learn the ins-and-outs of any hobby is the biggest investment that you have to make. This means taking a closer look at your schedule and physically penciling in time that you take away from other fields of your life to enjoy your hobby without any distraction. You have to create those boundaries and make a hard rule out of them, otherwise, it’s all too easy to find yourself sacrificing that “me time” for something that isn’t really worth it.

Find others who are into it:

To some people, a little isolation goes a long way in helping them enjoy their passions. Spending time alone in the wilderness or in your own garden can help you get away from the noise of your colleagues or family, which is perfectly fine. But, if you really want to get deeper into a hobby and commit to making it a passion, finding others who share your interest can be beneficial. Beyond all of the practical advice, discussion, and recommendations, finding others who share your hobby acts as a positive reinforcement. Seeing other people willing to commit to the same thing as you can help you get over the stigma that you might have against spending more time on you.

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Creative hobbies are a good place to start!

Make room for it (literally):

It’s another investment, but if you need physical space to enjoy a hobby, such as gardening, woodworking, or painting, then it’s worth making space for it. If you love movies, then you can create the perfect home entertainment space. If you paint, then think about using the garage or finishing the basement to give yourself a studio. A degree of separation is needed from the space where you practice your hobby and where you live the rest of your life. Otherwise, it’s too easy to let distractions pop in or to find your valuable hobby time spoiled because someone else is using that space.

Get your own retreat:

If you’re an outdoorsman who loves archery, horse riding, or simply walking the great outdoors, then it is worth considering making an investment into a property that allows you to indulge in it whenever you have the time. There is plenty of land for sale perfect for those who love their outdoor passions. It’s a big investment, but property can always be profitable, and it can be cheaper to keep returning to your own property rather than having to rent a lodge several times a year.

Get involved with the community:

We have already stated how finding others who share your passion can help you learn more about it and get more engaged with it. But if you’re already well versed in the passion of your choice and you are in a position to share, then you could become a more established voice in the community, as well. Think about starting a hobby podcast or a blog where you can discuss the finer points and give a little more insight, even helping new people find that passion. If you’re able to land sponsors or affiliate deals, you might even be able to monetize that passion.

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Beautiful!

Teach others:

Not all passions can be easily monetized. It depends on the market around you, any competition, and your own experience. If you have a long history in a particular field or talent, however, then you could make a side-gig or even a main career of teaching it to others. Whether it’s sports, martial arts, or knitting – consider starting a class to help newcomers find their feet. Beyond finding new people to share that joy with, teaching is also a learning experience, helping you consider your passion a lot more deeply so that you’re able to communicate it with others.

It might feel like a risk, investing time and money in something that your mind can easily rationalize as “just a hobby”. However, the benefits of finding your passion and giving yourself a reason to enjoy getting out of bed every morning are vital to helping you keep up those still important responsibilities.

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Getting Healthier By Playing Sports

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Getting Healthier By Playing Sports

Surely everyone wants to be healthier. Or maybe, you’re growing tired of looking at your stomach and thinking that it resembles a big lump of strawberry jelly. Either way, it doesn’t matter whether you want to lose weight or whether you just want to try and be healthier, because sports are a brilliant way for you to do both:

Focusing the mind and body:

The best benefit that you get when you play sports is that it can boost your level of physical fitness. It can also help your mind to stay much healthier, as well. Exercise helps to keep the mind sharp and it can even help you to feel more connected to the body in general. If you don’t quite know which sport is right for you, why not consider joining the FCB Canada soccer academy? This is one of the best ways for you to stay fit while also meeting plenty of new friends.

Future success:

Participating in sports can actually help you with your work and your school life. Sports can show you that if you practice something for long enough, then there is a high chance that you will go on to succeed, and this is a brilliant way for you to see the world differently. Sports can also be an outlet for any stress that you are experiencing right now, as well, and by letting go of this stress, you can then begin to focus more on the job that you do and the situation at hand. Of course, if you have never participated in a sport before, then there has never been a better time to start and you may even find that there are plenty of starter courses available for you to look at. This could include beginner football classes, hockey lessons, and more.

If you are worried about taking part in a sport where everyone is better than you, then this is one of the best ways for you to put an end to that. If you are shy, anxious, or unconfident, then sports can really help to bring you out of your shell. You can even play with your family, and the benefits are great and truly endless!

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Swishhhh!

A better social life:

A lot of sports require you to work either as part of a team or as a unit. Even sports that have individual scores, such as running, still have some elements of teamwork involved. For example, if you were to travel to another city, then you may need to car-share or even train with one another. When you are a member of a team, you can then go on to develop higher cooperation skills, as well. By having these skills, you’ll have more focus, commitment, and dedication which can help you out a lot when it comes to your relationships and work life.

Sports are not only great for getting in shape, but they are wonderful for your mental health. Gather your friends, start a team, and watch as your mind and body reap the benefits.

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A Myriad Of Money Management Mistakes

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A Myriad Of Money Management Mistakes

It is a fact of life that some people simply don’t manage their money particularly well. If you feel like you are one of these people, there are several things that you can do to change things. First and foremost, you need to work out the mistakes that you are making in the first place. In this article, we are going to take you through just a few of the most common ones so that you can avoid repeating them:

Lifestyle Inflation:

If you get a pay rise, you shouldn’t automatically ‘improve’ your lifestyle by that same percentage. Instead, you can use this extra cash to clear some of your debts, channel money into your savings, or make some sound financial investments. Just because you have the cash doesn’t mean you have to spend it!

Paying Bills Late:

Getting into a habit of paying your bills on time is a positive step that you can make. You can even automate this to happen directly from your bank account so it can be one less financial worry to have every month. The last thing that you want is to incur any additional fees or payments than you already have.

Paying Bank Fees:

Bank fees can come in multiple forms, but most of them are totally avoidable. For example, you should never use an ATM when you are charged an operational fee. Avoid paying late fees on your credit cards by clearing the balance in full every month. Compare bank accounts online to make sure that you are not paying more fees than you need to.

Not Educating Yourself Financially:

With all of the free tools and articles about money out there these days, you have no excuses for not educating yourself financially. You should know all of the different options available to you about where you can best invest your money, as well as information regarding where you can get quick support such as bad credit personal loans with guaranteed approval. Read as widely as you can and you can avoid many common money management mistakes.

Lack Of An Emergency Fund:

Though it may be frustrating to channel some of your paycheck off into an emergency fund every month, you will be very thankful for it once you need it. There are all sorts of life situations out there which could require a great deal of cash such as job loss, medical expenses, car repair, and essential home maintenance. Whenever you make a withdrawal from your emergency funds, make sure that you replace what you have spent as you never know when the next situation may arise.

Not Having a Budget

If you haven’t got any sort of household budget, you have no idea what is coming in and going out of your bank account every month. There are plenty of budgeting apps out there which allow you to clearly track all of your expenses. Otherwise, you can track everything manually along the way.

Now you know some of the most common money management mistakes so that you can avoid making them yourself. Budget wisely and watch your bank account increase over time.

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How Should You Deal With Your Anxiety Problems?

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How Should You Deal With Your Anxiety Problems?

Are you noticing some of the symptoms of anxiety, such as panic, uneasiness, sleep problems, or an inability to stay calm? You might not even have realized that the problems you’re experiencing are to do with an anxiety issue. But you need to take action sooner rather than later if you are showing signs of anxiety. Symptoms tend to increase and get worse over time if you don’t take action, but how should you deal with the problem?

There are many different ways in which you can tackle anxiety head-on and rid yourself of the problem once and for all. Now is the time to look into the concrete steps that are worth taking, so read on to learn more about them:

Work on Controlling Your Breathing:

The first thing you can do is get better at controlling your breathing, and even though this might sound like a relatively small and minor thing, it actually has a pretty big impact on your life and the way you handle your anxiety. Once you’ve mastered your breathing and become able to control it in whatever way you want to, you will be able to cancel out the worst symptoms that are associated with anxiety. Of course, it’s not a one size fits all fix to anxiety problems, but it’s certainly a very good place to start.

Get Into the Habit of Talking About Things:

Sometimes, talking about your problems and how you’re feeling can be all you need in order to get back on track and take control once more. At the very least, you will find that by getting into the habit of talking about what you’re feeling, you will feel like that problem is less of a burden. Even though it sounds like the simplest thing in the world, talking about problems and deeply personal things like this can be incredibly difficult and hard to do. It’s something that you will have to work hard at and lean on your loved ones. They’ll be helpful and understanding.

Try to Live in the Moment:

Living in the moment is more than just another cliche that gets thrown around a lot. You need to remember just how influential the power of your mentality is. If you can look at your life and the way you experience it in the right way, it can help you to live in the moment and stop focusing on your worries and concerns. That’s a big part of what causes someone to experience difficulties with anxiety, so make sure you start making more of a conscious effort to live in the moment each day of the week.

Consider Cognitive Behavioral Therapy:

Forms of therapy are known to help people who are struggling with problems relating to anxiety. Therapy is believed to be the best and most successful form of treatment for people with anxiety problems, and the most common among them is cognitive behavioural therapy. It’s about working through your problems and finding practical ways in which to respond to them. That will mean that your behaviors will change and improve when anxiety strikes, and that should help you stop the symptoms and stay in complete control. As long as you collaborate with a professional on this, the results should be great.

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 Pixabay Image

Talk to Your Doctor About Medication Options:

Medication is an option for people who are struggling with anxiety issues, and there are many of them out there. Many people are scared by the idea of taking medication for anxiety issues, but there are options that will help without causing any harm. If you’ve consulted with your doctor and can make arrangements, even things like medical marijuana delivery are worth considering. Anything that helps to reduce your anxiety without putting your body at risk is worth thinking about. Let your doctor guide you and make an informed decision before doing anything with regards to medication.

Mindfulness and Applied Relaxation:

Mindfulness is a technique that can be used to ensure that your anxiety is dealt with at its root. You will find that when you’re more aware of your mental processes and when you’re mindful of your actions and surroundings, your anxiety symptoms can be mitigated. Applied relaxation is another similar technique that is often used to treat anxiety problems. It’s all about making a conscious effort to relax and find time to dedicate to that. It’s something that most people don’t do in the course of their every day lives, but you should make yourself an exception to that rule.

Understand Your Triggers:

Everyone has their own triggers, and these can sometimes have an impact on how your anxiety affects you. For some people, certain social situations can cause anxiety. When you understand when your anxiety is likely to strike, you work on preparing for that and finding ways to control and treat your anxiety better. However, it’s not about avoiding situations in which your anxiety causes you problems because that’s not going to help you overcome them and move forward in life. Sometimes, confronting and dealing with your problems is necessary.

Don’t Give Up if These Options Don’t Work For You:

Even if none of the things we’ve talked about above work for you, you still shouldn’t give up because it’s not the end of the world. There are so many other treatments and options out there, and you should discuss them with your doctor. Mental health problems are now taken more seriously than ever before, so you will get help if you’re willing to ask for it.

Anxiety is a mental health problem that affects a lot of people, and it emerges for a variety of different reasons. Taking action is essential because the problem will only intensify if you ignore it or accept it. Getting past your anxiety problem is more than possible; you just need to take action as soon as possible.

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