Save money with these three tips Comments Off on Save money with these three tips 74105

There are a lot of things that are infinite – the universe, the human imagination, love, etc.; one of the few things that isn’t infinite though is money. Yes, money. Like most things in this planet, money is not infinite. Like our health, we have to plan how we use it or we inevitably run out. We don’t need to tell you that money might just be the most important currency on the planet. Here are a few tips to help you manage yours better.

Plan budget

Most people live off salaries. It’s not some big shame or some evidence that you belong to the middle class, it’s just the way things are – meaning some have more money than others. And so, when your salary comes in, the smart thing to do is budget said salary to make sure you don’t run through it before the month is over. When people hear the word “budget,” they think only people who don’t make enough do that, “or it’s just for married people.” It’s not. In fact, budgeting is a sign of thoughtful financial planning. Budgets are designed to help you curb your more impulsive spending habits and they can help you set aside a significant sum of money for a plan you might have in the not-so-distant future. Perhaps you want to move out of your apartment and rent somewhere better, surprise your kid with the car of her dreams, or simply plan for retirement. There is no limit to why you need extra money; bottom-line is saving is good and it’s achievable with a sound budget plan. When making your budget plan here are a couple of things you need to know:

  • How much you spend: This is important because you want to know what a typical month of unplanned spending costs before you budget to prevent it. It would help to retrace your steps and gather your receipts, credit card bills, and bank statements to help outline your past spending habits.
  • How much you make: It might shock you to know that the amount that was promised when you took your job isn’t the amount that is in your bank account at the end of every month. 🤔 In fact, it’s usually quite a bit less. You need to get a bank statement and look at your salary after all the deductibles have been removed, that understand the real amount you make. While you’re at it, you might want to add all external sources of income like dividends, side projects, and other minor sources.
  • How much you save: There is always a purpose to every cent saved away. Once you have determined yours, you are ready to plan your budget.

Your budget plan should typically entail certain amounts sets aside for specific fixed and expected expenses. After all fixed and expected expenses have been addressed, the remaining amount should be deposited into a savings account to restrict access to it and limit your tendency to spend it when you should be saving it for the future.

Seek balance

Having quantity over quality is never a good compromise, but sometimes things don’t have to be so black and white. If you are looking to save, then you need to embrace a grey area. Sometimes to shave certain amounts off your monthly expenses, you should consider looking for a cheaper version of a product that you are used to. For example, instead of opting for farm fresh milk, you could look for a cheaper farm fresh milk that is not as expensive. Saving more money doesn’t have to include unimaginable budget cuts. Sometimes looking for a cheaper product that does the same thing is not a bad idea.

Limit spending

This part is probably the hardest yet most obvious way to save money; that is why we saved it for last. Cutting back on your spending can be terrifying and hard, but it doesn’t have to be. It can be a way to get rid of some of the unhealthy and life-threatening habits that might be ruining your life. Obviously, some habits are not as deadly as we make them out to be, but they might as well be.

When you are trying to cut down on spending, you should consider not eating out so much. These little dinners and lunches at your local restaurant could not only be unhealthy, they could constitute a bulk of your expenses. Reducing the frequency from say 10 times per month to a modest 2-3 times per month, could save you a lot of money. Other unhealthy habits you could cut down on too are; smoking, ordering food, unused gym memberships, etc.

Saving more money can sometimes be a sensitive subject that most people avoid because they have so little control of their finances. However, it doesn’t have to be such a trying and an emotionally testing subject. Budgeting, cutting down your expenses, and compromise can give you that much-needed control over your money.

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Getting your kids to read this summer Comments Off on Getting your kids to read this summer 64538

Summer means different things for different people. For twenty-year-old’s, it’s the time to work and party; for parents, it’s the time to hold neighborhood events and start saving up, and for kids, it’s the time to kick back and finally have some fun. School’s out! 😃 It’s that one time of the year when they can go to the beach and hang out with all their friends without worrying about some project or homework. For them, the entire summer is all about having fun, and as a parent, it’s your sacred duty to balance fun with continuing education. You might even be able to replace “fun” with something more rewarding – like reading!

Knowledge attained outside the classroom tends to stick around longer

You don’t want to be the “uncool” parent that forces your kid to do something school-related during the summer, but you don’t really have that much of choice, here’s why. The lessons that really stick with you long after you finish school are the ones that you learned when you didn’t really have to.

The knowledge that is acquired without some form of ultimatum or consequence always leaves a lasting impression. It also introduces you to a new side of knowledge that is not purely scholarly.

Reading is right for you regardless of what it is that you decide to read – obviously you will have to control your kids’ intake in your spare time. Reading strengthens the mind, and continual learning increases the speed at which you assimilate and process information. Just imagine the kind of impact a fantastic reading speed could have on your kid educational future. You could be adequately preparing them for a future in academia.

Exposure

The reward of “ruining” their obsessively fun summer will be some exposure to other subjects and topics that are unfamiliar to them. Recreational reading could be very instrumental in building up their overall personality. Plus, proper exposure ensures that they have enough information to make smarter and more informed decisions at a tender age.

It can teach them to research and ask questions

Summer reading could form the basis of a voracious reading habit that could beautifully complement their curiosity. It’s not every kid that thinks about something strange that eventually go on to investigate, summer reading could introduce them to the concept of research.

How to get your kids to read during the summer

It’s easy to talk about getting your kids to read during the summer, getting them to do it another issue entirely.

Kids can be especially stubborn or pigheaded when you are trying to force them to do what they simply have no interest in. The only way to have them do what you want the right way is to either introduce a reward system or trick them that it’s all their idea. Local library’s often offer summer reading lists per age group.

Reward system

Are you having a hard time getting your kid to do anything you want? Wait patiently, there is always something they’ll want, and you can use that to get what you want – in this case, it’s a healthy reading habit.

When they come to you with a ridiculous demand, you can propose a fair trade that will engage their mind and keep it focused on a book that you’ll recommend. You can even choose to deliver the reward after the completion of several books, that way, you are getting the most out of your deal.

You can also choose to limit or restrict play time, and the completion of a certain number of pages could be the requirement they must fulfill before they are allowed to play again.

Making them think it’s their idea

In my experience, people are always more motivated to complete a project that they believe to be totally theirs. When it’s your plan, you just tend to pay more attention to it, it’s like you want to prove something to yourself and others around you. Adults think this way, and so do kids. They can be pretty devoted to completing a book they just accidentally stumbled upon or saw you flip through.

Sometimes you don’t have to be so obvious or aggressive, you could give a rousing speech about reading and hand them a book that you know that they’ll enjoy and leave the rest to them.

The summertime doesn’t have to all about vacations and parties, it could also be an opportunity for your kid to develop a reasonably analytical mind.

Is your partner complaining about your snoring? You might have a problem. Comments Off on Is your partner complaining about your snoring? You might have a problem. 54983

Your partner might not have the heart to tell you, but your snoring sucks. They might tell you that it’s slight and cute and they don’t mind, but they are just trying not to hurt your feelings. I, on the other hand, have no such obligation. In truth, snoring isn’t as annoying and unbearable as I make it out to be. It might actually be “cute” but something has to be done about it nonetheless. It might be a sign of something more serious than just a mildly distasteful sleeping habit. So, is your snoring far more serious than you think, or am I just being hard?

Having sleep apnea isn’t necessarily a bad thing (ok technically it is). But it doesn’t always have to be life or death. You could see a doctor and try to get things sorted out before it’s too late. After all, sleep apnea deprives your entire body and brain of some much-needed oxygen.

An individual is said to have sleep apnea when they don’t get enough oxygen during sleep because their brain isn’t sending signals fast enough to the rest of the body. It doesn’t know to breathe in during sleep; or it could be caused when the muscles of the throat are relaxed which causes the pathways to narrow, so the body doesn’t get enough oxygen during sleep. There are three major types of apnea and although their causes vary, they pretty much cause similar problems down the road.

I’m not typing this long list of diseases to scare you, but they are some of the possible conditions that might result from prolonged sleep apnea.

Some of the diseases that can arise from sleep apnea are:

  • High blood pressure
  • Type 2 diabetes
  • Metabolic syndrome
  • Liver problems
  • Sleep-deprived partners

Although the diseases on this list are scary and often life-threatening, they rarely happen in most cases. Like with most life-threatening diseases out there, early identification is what it’s all about.

Here are a few ways of identifying sleep apnea:

  • Loud snoring
  • Short moments when you stop breathing completely
  • Dry mouth in the morning
  • Falling asleep during the day
  • Insomnia
  • Irritability
  • Short attention span while awake

Note: Sleep apnea isn’t quite identical across the spectrum. Some people don’t even snore loudly at night. I know that this might sound confusing but things aren’t always as simple as they seem. You have to watch out for some of the other symptoms if you think that you might have sleep apnea. Your best bet is to just get yourself checked out whenever you can.

Now then, how exactly can we help ourselves when we find out that we have sleep apnea?

Although there are some home remedies and radical dietary alternatives, the safest solution is going with modern medicine. In-person sleep studies, surgeries, and even medications are all options that might be available to you. With that said, here are a few things easy ways to help with your sleep apnea.

Keep your weight under check

Although this symptom is particularly restricted to obstructive sleep apnea, it’s a great idea to adopt it nonetheless. It’ll look after you long after the sleep apnea has passed and it does come with some added physical advantages. It is well known that obesity has a lot of unsightly consequences, but what most people don’t know is that it can also be the cause of sleep apnea. Obesity blocks some of the essential pathways such as the nasal passages and this often results in sleep apnea.

Change your sleep position

It has been noted that certain sleeping postures actually help with your sleep apnea. Something as simple as sleeping on your side can greatly impact the overall frequency of your snores and gasps. Sleeping on your side makes it less likely for your tongue to obstruct your airway. Although not everyone is immediately relieved by this simple home remedy, it’s still quite memorable all things considered.

Quit smoking

In case you might not know, smoking can kill you eventually. They don’t only break down the cells in your lungs, they also increase inflammation and fluid retention in the throat which can cause sleep apnea.

Sleep regularly

I understand that gasping for breath in the middle of the night can be problematic but adequate sleep goes a long way in improving the quality of your sleep and your life span altogether.

Your partner’s sporadic sleep pattern might not be a result of his or her strange sleeping habits. It might be something more serious than that and you should always watch him or her when they are asleep. That is when you will really know if they are at risk.

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