Save money with these three tips Comments Off on Save money with these three tips 72958

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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How to ask your boss for a raise Comments Off on How to ask your boss for a raise 71102

In most companies out there today, there are measures that have been put in place to ensure that employees get promotions and, subsequently, a pay increase. But in the rest of the world we aren’t so lucky. For you to get a pay increase you have to get it done the old-fashioned way; asking your boss for a raise. Upon initial thought, most might think it’s a bad idea. Asking for a pay increase does seem suicidal in the employment front, but it doesn’t have to be. Surely not all bosses are like that but regardless of their temperament they might think the idea ridiculous unless it is supported with a long list of requirements to cushion the request.

In this world we live in, there is no way that someone who doesn’t trust you or particularly like you will choose to favor you or give you what you want. It doesn’t just work that way. It’s simply the order of things and as such your boss needs to like you, trust you and your abilities, and think you deserve a raise before he/she will actually give it to you. Asking him or her after all these boxes have been checked is going to be a breeze, a mere formality. Here are a couple of tips that will help convince your boss to say yes when you ask him or her for a raise.

Put in the time

Your boss won’t just sign off on a salary increase if he or she feels like you are not devoted and consistent. Consistency is very important in the workplace. It shows devotion and dedication to a universal goal. When you come to work on time and clock out at the very last minute your boss will see things differently. He or she will begin to think you are a hard worker and you are a step closer to getting a yes when you ask for a raise.

Increase your productivity

Staying late is but one part of the entire equation. You need to not only put in the time, but the work as well. There needs to be a distinguishable difference in the quality of your work. This will convey that you are as dedicated as you are productive. You don’t have to outshine everyone on your team, you just need to make sure that the boss knows that you provide better results than other teammates. This will make you look industrious and dedicated.

Always help everyone you can

This is a very important step in the plan. When you help your fellow workers and employees out constantly it makes you seem like you care. And this acknowledgement will help your crusade. Make sure you don’t leave the very boss you are trying to impress out. You must make it a point to help your boss when he or she needs it. You could help him/her with the financial books or help with his/her kid. Anything to ensure that the boss understands your importance.

Be a problem solver

This is usually the trump card in this endeavor. This is an instance where you come to the aid of the company you work at. There is always bound to be some form of crises sooner or later when you work at an organization. It’s simply a norm at every institution. When these problems arise and they seem like they might be more complicated and challenging than most anticipated, it’s your chance to dig deep and try to solve the problem for everyone. It’s not a do-or-die situation, but getting a raise is all about scoring points with the boss (over time) and the best way to do that is defusing a bomb that threatens the entire workplace.

Getting a raise without getting a foot in with the boss is extremely difficult. Like any reasonable person, they need to make sure that you deserve the extra sum of money that you are requesting. They can’t simply give out raises without being confident in the recipient’s ability. This is where checking all the boxes comes full circle. If you are a great employee that helps when crises strike, you will definitely be on the boss’s list.

Checking all these boxes will ensure that your request is seen as important and placed above everyone else because you have proved that you are an important part of the team and you deserve a raise. After fulfilling some or all tasks on this list asking your boss for a raise could get you a sure yes. However, it’s important to note that fulfilling this long list is not an assurance that your request will go through. There could be extenuating circumstances that could prevent the boss on signing off on your requests. Circumstances like budget cuts or seniority, etc.

Make your Super Bowl party healthier Comments Off on Make your Super Bowl party healthier 20605

The Super Bowl is arguably the greasiest, trans-fat-filled day of the year – Thanksgiving aside. 😃 The Super Bowl is essentially that one time each year that whatever you want to eat goes. Nobody gives you grief or tries to save you by saying “You should watch your cholesterol” or something along those lines. It’s safe to say that nobody really watches the Super Bowl alone. It’s not just something you do by yourself. Who are you going to watch the Super Bowl halftime performance with? They’ve had Lady Gaga and Bruno Mars recently, anything can happen. You are no doubt “watching” the Super Bowl with friends and you will most-likely make a party out of it, after all that’s what adults do!

Just because it’s the Super Bowl and “you can eat whatever you want” be mindful of your heart and waistline which never get “cheat days” so you don’t either… So, without further ado here are a couple of ways you can make your Super Bowl party healthier.

Seek low calorie snacks

That this seems a bit impossible. It’s the Super Bowl. It’s supposed to be a festival of beer and grease so how are we going to find foods for snacks that are going to provide that football feel and still stays true to its greasiness and deliciousness. Well, that’s impossible. There is no substitute for all the great stuff. There’s no good substitute for a well-made hotdog or nacho cheese covered chips. We can, however, make attempts to get the next best thing with snacks that no one ever pays attention to like their healthier variants. For instance, no Super Bowl is complete without a little chip and dip so why not make the chips organic and make the dip homemade? There are loads of healthy dip options online that are relatively inexpensive to make. A good example of such dip is the Smoky Roasted Red Pepper Cannellini Dip. All peripheral foods like pizza and tarts could be switched for fruit-based snacks.

Serve healthy beverages

Snacking is only half of the health problem the other half is the choice of beverage. This might not seem like a big of a deal to you but sodas and beers contain a shocking amount of processed sugar which will come back to bite you in the ass one way or the other. At parties like these, good old-fashioned beer or Coke is the choice drink. It’s deviating from the whole Super Bowl tradition but you can mix things up a little this year. You can switch the beers and the sodas for something far healthier like La Croix, fruit punch, or other infused drinks.

If your guests aren’t down with water and punch you could offer a lite beer and diet soda. These options aren’t exactly healthy but they are a start. They are better than the alternative. Although lite beer is not significantly less calorie filled, they tend to contain up to 30% less of the overall calorie content of the average beer.

Score with fiber

The thing about eating is that it’s a voluntary action. People eat so frequently that they sometimes forget that they are doing it. It evolves from a voluntary action to a more reflexive action and you definitely don’t want that to happen. Passive eating looks bad especially if you’re consuming carbs and trans-fat. It can cause an increase in overall body weight and other “not so friendly” implications. Over-eating is bound to happen at Super Bowl parties and that is why you have to shut it down before it makes its way through your party. Eat a nutrient-filled fiber filled meal as a welcome snack or food. The high fiber meal ensures that you’re full from the get-go and it attacks your natural desire to over eat. Some example of fiber-filled foods are chili, fruits, grains, nuts, etc.

The Super Bowl is no doubt a sporting event that everyone looks forward to. The ceremony and spectacle communicate to its viewers and enthralls them, but without active control of consumption you might find yourself tempted to leave all your principles behind, but it’s not just worth it. These tips will help you to try to stay healthy during the big game!

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