Save money with these three tips Comments Off on Save money with these three tips 73789

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.

Previous ArticleNext Article
PureSource.co - Health & Wellness for a Better World at http://puresource.co

What we love about Apple’s iOS 12 Comments Off on What we love about Apple’s iOS 12 48879

The 2018 Apple event was a genuine expression of Apple’s ingenuity and dedication to their users. It wasn’t about new shiny things, it was all about the users this year. It featured outstanding changes to all the platforms and introduced groundbreaking software that will be talked about years to come. It was an outstanding success. It was the much-needed change of pace that Apple needed to dispel all rumors, scandals, and reaffirm their place in the tech world. The event was loaded with gizmos and updates, the likes of which can only be referred to as revolutionary. There are a lot of things that we love about iOS 12, and here are the highlights.

iOS 12

The latest update of Apple’s mobile software came equipped with some of the most family-friendly and digital health features to ever grace a smartphone OS. Rather than push people towards screens, the new iOS actually makes an effort to help users reduce screen time, thereby allowing them spend more time in the real world. The digital health bar helps users set all sorts of limitations while using their mobile devices. These limitations include; time limits on certain applications, activating do not disturb at night, and so many other little features here and there.

Memoji

Although it seems like an attempt to recreate the already popular feature that Samsung introduced – AR Emoji, Memoji is not only better named, it comes with tongue detection that lets you create all the tongue related emojis you want.

Other amazing stuff

There are new Google photos-like features in the new updates. It comes with suggestions, reminders, and it is incredibly intuitive when you search for photos. Some say it might be better than Google photos’ find features.

Siri gets more intuitive

The latest iOS update has made Siri feel less like software and more like a real personal assistant. The new update stores your usage information, suggests and allows you to tailor certain actions, and sometimes even alter them. The shortcut app is used for this function, and it basically ensures that your needs and specifications are made convenient with the click of a button.

macOS Mojave

Fret not macOS users, Apple didn’t spend the entire event going on about its mobile operating system. This new OS, like its predecessors, is named after a beautiful natural phenomenon. Like iOS, it comes with numerous updates and additions, the most noticeable and beloved being the return of the dark theme. Originally a star feature of earlier iterations of macOS, it finally makes a grand return to the Mac stage, so to speak. It can be easily accessed from system preferences on the Apple menu, and it works with Apple apps for now.

macOS also comes with an improved Safari browser

It’s still basically the same, except there is a new feature that helps you keep all the ads at bay. It does so by maintaining a tighter grip on user information and basically stops websites from singling you out for ads. macOS also comes with a ton of shortcuts and commands to help your experience feel more organized and smooth. There are quick-action settings for actions like organizing the desktop and watermarking documents, etc.

watchOS 5 basically turned all Apple watches into phones

watchOS 5 introduced a competent web browser, Siri’s suggestions, and a voice message system. This completely revamps the Apple Watch and makes it slightly less tacky than it really is. Its fitness software was also revamped, after all, that is half its functionality. It now has a new feature that automatically records your exercise session in case you forget to start the timer.

AppleTV finally supports Dolby Atmos

The much-anticipated update to the iTunes library has finally arrived. The complaint about AppleTV’s incompatibility with Dolby Atmos on supported programs and movies has finally been addressed. Like all the other changes to AppleTV, it was an improvement on the previous standard and so far, so good. There have been no problems.

Of course, this doesn’t begin to cover all the amazing things that happened, but these features really caught our eye. If we had to pick, these updates were the best thing about the event, of course, that is only our opinion.

Should I hire a personal trainer? Comments Off on Should I hire a personal trainer? 38010

That is a great question; one that has no clear answer. I guess to answer this question, you need to ask yourself a couple of questions and the first is: Do I actually need a personal trainer?

This question logically precedes the original question because it’s important to establish just how important exercise is to you. There is no reason to hire a personal trainer and pay him/her a lot of money if you don’t feel that you are dedicated enough to fitness as a whole. However, if it’s important to you, then by all means we can proceed to the next question.

Am I satisfied with my results?

Since it’s crystal clear that you are dedicated to the whole exercising thing, then you need to proceed to the next question which is far more important than the first. The second question is more important because it accesses your footing and your desire to grow and help you determine if hiring someone to guide you is the next step in your fitness journey. When working out we all see gains. Regardless of what you are into, it’s always present. It’s one of the general perks of sticking to a workout routine. And usually they come either quickly or slowly depending on how hard and well we workout.

You need to ask yourself how satisfied you are with your current rate of gains and improvements. Are the gains coming fast enough? If they are not then you might want to consider hiring a personal trainer to help you get those gains much faster. Most people just hop on the personal trainer train right off the bat. Most of them don’t see what they could really accomplish by themselves before bringing someone into it.

This is risky because it not only robs of you of your money, it also robs you of the opportunity of discovering just how good or bad you are at a given field before you have someone help you. Hiring a personal trainer if you aren’t satisfied with your current gains is a great idea. He/she can help you by showing you some tricks of the trade and improving your technique.

At this point, I would definitely say that it’s a great idea to hire a personal trainer. But if you are tight on cash and it’s not a do or die thing, you can always find out if this slow growth or gains is something you can fix or speed up yourself.

Can I fix it?

A reduction or overall halt in gains can be brought about by two factors. The first is physical, as in improper form, intensity, etc. The other is mental. Both factors are incredibly tricky and difficult to overcome alone. Even if you had the help of a personal trainer, it’s still going to be quite a challenge to overcome a plateau. This question cross-examines your ability to deal with your problems personally. Are you strong enough to overcome your plateaus or do you need some professional help? If you need help then a personal trainer is what you really need.

It’s ok to get a personal trainer of you really need it.

The decision to get a personal trainer isn’t particularly an easy one – or cheap one. If you are confident that you can push yourself to the next level, I see no reason to get a personal trainer but if you aren’t in intermediate need and just need a little push, then you can be in the beginner’s section and just need someone to show you the ropes of a fascinating and dangerous new world. In this case, research might not be enough, you might choose to hold onto a personal trainer for a couple of months until you break the whole “working out thing” down and get accustomed to everything that comes along with it.

To speed things up.

You could also be an intermediate athlete or an expert and you feel like you might need the personal touch of a professional to speed up your gains because you might be preparing for something big or important. In instances like these it’s great to hire a personal trainer. Nobody observes and sees your excesses like an outside party. Supervision to maximize gains is never a bad thing.

Bitnami