Save money with these three tips Comments Off on Save money with these three tips 274,788

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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3 Podcasts We Can’t Get Over Comments Off on 3 Podcasts We Can’t Get Over 201,193

Podcasts are the way of the future. Think radio shows but being able to listen whenever and wherever you want. The best part about podcasts is that there’s a niche for everyone. Whether you’re into finance or the Bachelor, we’ve got you covered on the 3 podcasts we can’t get over. 

Finance is Fun!: The Financial Diet

The Financial Diet is the perfect mix of learning more about finances, different career paths and having fun. Each week Chelsea Fagan interviews a guest with an interesting job position. From Youtubers to publicists, you’re sure to feel like an insider after the episode. Chelsea pressures guests to reveal big financial numbers in their life. For some, it’s how much student debt their in while others discuss how much money they made off one Youtube video. If you’re interested in learning the finances behind different professions, check out this podcast on Spotify or Apple Podcasts! 

True Crime Crazed: Crime Junkie

If your ideal documentary is on serial killers, then Crime Junkie is the podcast for you. Crime Junkie features two true crime enthusiasts telling stories about the missing, captured, and murdered. Each episode captivates its listeners with a thrilling narration of true-crime from around the world. There are over one hundred episodes to binge, so start listening today! Another true-crime themed podcast that you have to hear is Serial. Serial started the genre of the crime podcasts and is still a true-crime favorite. The hit podcast has three seasons. Each season the hosts investigate a murder case in real-time. With new evidence pilling up each episode, it’ll be hard to pull away from this intense series. 

The Bachelor Nation’s Favorites: The Viall Files

The Bachelor is the show that keeps on giving. Between The Bachelor, The Bachelorette, and Bachelor in Paradise, ABC produces a season full of love and drama – but mostly drama. Nick Viall, the bachelor in season 21, recaps each episode on his podcast The Viall Files. Bachelor Happy Hour is another amazing podcast where co-hosts and past Bachelor contestants Rachel Lindsay and Becca Kufrindives dive into each juicy episode. 

Podcasts are great for long car rides, getting ready in the morning, or winding down at night. There are thousands of podcasts to choose from, so you’re sure to find one you like. We hope you’ll love these podcasts just as much as us! 

How a simple detox can boost brainpower Comments Off on How a simple detox can boost brainpower 193,421

Girl drinking berry smoothie

 

You know that one person who’s always talking about the latest cleanse or trendy detox and how “life-changing” it is. It’s almost guaranteed that within a few days, they’ll be on to the next one. Who doesn’t want to lose weight, improve endurance, and purge toxins? It’s not surprising to see short term physical benefits from detox, but often not mentioned are the mental health and cognitive performance benefits also gained from a proper detox. Mental health and brainpower benefits are significant.

Anxiety. Insomnia. Depression. Dementia. Eating disorders. Even Alzheimer’s is on the rise. While going on a short term cleanse or detox to help treat any disorder might seem counterintuitive, restoring your body to health both mentally and physically can drastically boost your mood and overall disposition. The glow of positivity from improved self-image helps interpersonal relationships as well.

Girl hiking outside
Is a detox right for me?

Grow new brain cells

  • Most detox diets are significantly low in calories which may help boost Brain-Derived Neurotrophic Factor (BDNF). This chemical signal in the brain promotes new cellular growth.
  • As a result, it may lead to a number of mental health benefits including improved brain health and functioning, as well as to help stave off mental illnesses. There are some great BDNF studies available online.

Enhance focus and concentration

  • Another benefit one can attain from slightly restricting calories during a detox is the increase in focus. This is thought to come from a mechanism known as “food-seeking behavior.”
  • The mechanism involved has to do with a rise in hormone production. Dopamine, adrenaline, and cortisol boost focus and reduce distractions. Along with helping to block out distractions, a detox can also help keep your mind focused on tasks. This can help boost productivity in an academic setting or in the workplace, as well as helping to accomplish tasks at home that require efficiency and critical thinking. Additionally, it also may help improve focus and intensity during sports and other physical activities.
  • Certain supplements called nootropics help boost brain function even further by promoting increased blood circulation, stimulation of the central nervous system, and stimulating new brain pathways.

Increase blood flow to the brain

  • Detox diets can boost brainpower through PGC-1-Alpha. This multi-faceted signal assists in a wide range of bodily functions including increased blood flow to the brain improved blood circulation and supplied nutrients and oxygen.
  • This effect is quite beneficial to cognitive health.

Boost mood and good vibes

  • High levels of vitamins and minerals consumed in certain detox treatments boost mood and good vibes by producing serotonin and dopamine.
  • Processed foods, refined sugar, and other food-like products may cause mood swings, feelings of lethargy, energy crashes, and other unpleasant symptoms that may lead to malnutrition.
  • Nutrient deficiencies should be addressed in order to promote overall healthy body function.
Girl hiking outside jumping
No more brain fog!

Improve brainpower, cognitive function, and problem-solving skills

  • This should come as no surprise. High-nutrient, low-calorie foods can greatly improve cognitive functioning.
  • Eliminating nutrient-deficient foods will lift “brain fog” caused by poor diets.
  • Clearer thought processes and faster decision-making skills may be felt almost immediately after commencing a detox.

Improve brain-signaling

  • Hydration is always important. And increasing water intake is usually an aspect of many detox plans. Proper hydration enhances overall health, and greater hydration levels can lead to improved brain-signaling.
  • It goes without saying that water is important for all living things, and it’s especially true for living organisms that are made up of mostly water. In the human body, 73% of the heart and brain is water. This is why dehydration has a direct effect on cognitive performance.

Prevent mental illness

  • Aside from boosting mood and good vibes, assisting in the growth of new brain cells, and improving cognitive performance, a detox can also help prevent mental illness.
  • Brain matter growth can help prevent illnesses like depression or bipolar disorder from developing.
  • An increase in nutrients can help reduce anger and may help prevent the onset of Alzheimer’s disease and dementia. With the rise of mental illnesses, it’s worth trying different methods every now and then to see what works best for you.

Prevent cellular breakdown

  • A detox diet can help reduce inflammation in the body. This helps prevent cellular breakdown and promote healthy cells (which, obviously, helps overall health). This is true for all the body’s cells, including those in the brain.
  • Implementing a regular detox may not only help promote the growth of new brain cells but also help protect the cells you have, which can preserve and further boost brain function.

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