Increase Your Savings And Avoid Getting Into Debt

5 Ways You Can Increase Your Savings And Avoid Getting Into Debts

We all want to be debt free one day. We want to not rely on credit cards and short loans to get buying life. The only way we can do this is by getting out of debt. Saving our money when we have plenty will mean that you can go ahead and use the money later on dark days. If you want to get the right kind of balance between saving and spending then this article is meant for you. Below are some basic tips on how to save and avoid debt.

  1. Live below your means.  Most people will tell you to live within your means but that doesn’t always work out the way we plan it. We always end up going over budget. This is why you should live below your means. This way when you go over budget you are now in the correct price range.
  2. Avoid trends.  Most of the money we waste or the debts we find ourselves in are caused by following trends. The latest IPhone is out and you want it despite having a well working phone. There are new jeans in the market and you want to trade in your trusted unnamed jeans for a brand sign. Most of the times you will only wear these clothes for a while and then end up keeping them in the house as the next trend comes along. Some people will even max out their cards for the latest designer bag.
  3. Know your money.  The reason why we get into debt is because we do not even know our money. If you cannot get your finances in order then get a professional to do it. An accountant or a financial advisor may be worth it. Plan out all the money coming in and the money going to your bills and so forth. This will leave you with an estimate of how much you’re left with once you have settled your bills. Choose the items you can spend on every month to avoid impulse shopping.
  4. Open a savings account.  If you still cannot restrain yourself then open up a savings account. This will get the amount you plan cut from your pay check and sent straight to your savings. This way you can avoid the urge of 'stealing from yourself'. It also helps you to keep track of how much you have saved easily. With time it will become a habit and you will no longer need to save so much
  5. Buy in bulk.  One way to really save is buying in bulk. You do not have to do it by yourself. Ask a friend to team up with you and you can buy everything in bulk. Use the coupons you get whenever you have the
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Read Our Game Review For Impossible Path

Impossible Path game is a brain teasing game that would make the player use his/her brain power to the optimum. It challenges the player to find the right path while collecting different colored cubes on the way. The player cannot collect cubes in any order he/she wishes. In order to make the game more tough and interesting, the collection order is defined. The player has to collect the cubes in a certain color order.  It is a great exercise for the brain. There are nearly 150 levels in the game. Each level is unlocked only when the player completes the previous level. At each level a player also gets 1, 2 or 3 stars depending upon how quickly he/she was able to find the correct path. Since each level is a kind of short game in itself, it does not require dedicated amount to solve them. While you are standing in a queue or stuck in traffic they are good time pass.

The game design and structure are simple. The menu options are very limited. There is just play, pause and music button. The layout is easy for any player to get started quickly. The player just needs to tap or click to play the game. Though, the game seems a tad simple at first, it increases in complexity as the game progresses with increasingly difficult levels. It is a good time pass and fun game. All age group people will enjoy playing this game. It is relaxing with no loud noises in the background. The game has an overall soothing appeal to it. The stars given at each level keeps motivating the player to find the optimum path as quickly as possible. The plus point of this game is that it is not time bound. The player can solve each level at his own pace.

This game belongs to the puzzle genre of online games. Such types of games test the player’s problem solving skills.  They check his/her logic and sequencing skills too. With loads of adventure and action packed games around, these games have soothing effect on the nerves. They make you pause and think a little. Other games that belong to this genre are dot to dot or connect the dots or pipes. Such types of games need not have just one solution to the problem. They areopen ended. They involve strategy making and makes the player devise the correct route to go from path A to path B. They make the player think ahead and play.

Problem solving games increase focus and attention. They make players find ways within defined parameters. This in turn helps them in real life problem solving situation. These games are also relaxing and help to keep the mind occupied. Impossible path game has the added advantage of being a simple and straightforward game. No difficult to understand rules, just simple clicks or taps. You can download it on your computer or mobile or tablets and enjoy hours of fun and entertainment.

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People Who Use Credit Cards For Everything Are Looking For Trouble

We live in a generation where shopping with cash is becoming almost obsolete. People now use credit cards or credit checks to make purchases. The rise of the online shopping platform has also significantly changed the way people, especially young consumers, shop. This is the era where banks and financial institutions are luring people with a lot of credit opportunities. The era where financial trouble is just waiting around the corner, even knocking at your home’s door.

With the tempting credit opportunities, getting into debts is just as easy. Overextending credits is also just as plain and simple. Without the right knowledge and sound checks and balances everyone can easily drown into the pitfall of debts. This is why, more than ever, financial literacy is very important.

Understanding Financial Literacy

In a nutshell, financial literacy refers to the knowledge and understanding one must have when it comes to making responsible financial decisions. To be financially literate one must:

  • Have the right knowledge about what credit cards really are
  • Have an understanding about how checking accounts really work
  • Understands the terms and concepts involved when it comes to loans and mortgages
  • Must have a perception about how investing can be a productive way to accumulate wealth
  • Must know how to avoid getting into debts

Why Financial Literacy is Very Important

Making financial decisions is an integral part of our daily lives. Every day we make spending decisions – big and small. Should you get a new pair of shoes? Is it time to move into a new home or get a new car? The lack of financial understanding can easily lead anyone into endless debts and zero savings upon retirement. The following are the advantages and benefits one gets by being financially literate:

  1. Financial Education helps an individual achieve financial stability.
  2. The road to financial freedom starts with financial education.
  3. With financial literacy, a person can avoid becoming a victim of scams, overly priced mortgages, loan sharks, and other fraudulent financing schemes.
  4. Financial literacy helps an individual become self-sufficient.
  5. Financial education allows an individual to make an informed buying decision.
  6. Studies have shown that people are now living longer than the previous generations, as a result having a retirement fund that should last longer is more important than ever. With financial literacy, an individual will have a better shot at securing a sufficient fund for a comfortable retirement.

More than just the concept of being able to save for the rainy days. Financial literacy is crucial to achieving a successful life without having to deal with financial anxiety. If you haven’t started gaining a hold of your finances yet, today is probably the best time to work on improving your financial literacy. You can start by doing the most fundamental things. Develop a financial plan or consider taking a look at your insurance services. Everyday should be a learning experience. With your conscious effort and commitment, you should be well on your way to controlling your finances and welcoming a happy and debt-free future.

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Not Keeping Your Cholesterol Levels In Check Can Be Very Expensive

Cholesterol is an important substance that a body needs and it also makes what it needs. And you have two types of them-the low density lipoprotein the LDL and the high density lipoprotein the HDL. The former is generally called the bad cholesterol and the latter the good. The body needs both of them but in optimum levels.

If the cholesterol in the blood crosses certain levels it will affect your health especially the heart. So you need to check the amount of cholesterol that you take in. let us find the ways that one can control this intake.

You need to eat food that is heart healthy. This can be done by making certain changes in the diet. You need to monitor the kinds of fat that you consume. Healthier fats like that found in lean meat, monounsaturated fats in olive oil are better than the ones found in red meat and other kinds of oils.

You should totally avoid the use of Trans fat and also the food prepared using this. Food rich in o***-3 fatty acid helps in increasing the HDL and do not affect the LDL. Also food rich in protein helps in lowering LDL. Totally avoid food that contains cholesterol and consume only food that helps reduce cholesterol if your level of cholesterol is too high.

Having proper diet helps keep your heart in good condition no doubt but you need to have some kind of exercise for your body too. This will help increase the physical activity and keep the body trim and healthy. It is found that exercising improves cholesterol. Moderate exercise daily can help increase the HDL in the body. Generally it would suffice to exercise for about 30 min.

Also proper exercise can help reduce your body weight. This may be needed overweight people. The type of exercises recommended are cycling- you can even cycle to work, taking brisk walk daily morning and evening, swimming and also playing sports like football, tennis etc.

Even taking the stairs instead of using an elevator may add to your physical activity and help you improve health. Don’t always be a couch potato, instead watch TV while exercising or doing sit-ups. This is a good way of improving health and saving time too.

Smoking decreases the amount of HDL so quitting will help increase it. So try to quit it as soon as possible. You will see the health benefits in a couple of days.

If you are overweight chances are that your cholesterol levels are high. Even losing a 10% of your weight will make a lot of difference. So try some methods to lose weight so that you can control your cholesterol. Even small changes daily will add up and at the end of the month or so you can notice the change in you. So keep following these tips.

Moderation in the intake of alcohol is good for overall health and even in reduction in cholesterol. Consuming more than two drinks per day is not recommended for anyone.

These are the lifestyle changes that are recommended for the controlling of the cholesterol. In case there is not enough reduction you can consult a doctor. He or she will prescribe some medication. This does not mean that the lifestyle changes are not needed. These medications are only an addition to help you reduce your cholesterol.

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Frugal Living Isn't About Becoming A Cheapskate

When you think of frugal living in some cases you may be thinking about cheapskates you see in some documentaries and think that is not for me. You may feel that frugal people are bad people. Some may even call them mean. Bad parents, bad relatives and bad friends. The only problem is being frugal does not mean that you are cheap. It just means you have found a balance between spending and investing. These are two different things. Being frugal is knowing which purchase falls into which category.

Here are some quick tips on how to adapt frugal living into your lifestyle.

  • Know what you value.
    The key to staying happy while being frugal is to know what it is you value. Does watching cable TV give you happiness? Is it necessary for you to go out once in a while to stay happy? These all seem like minor things but they are the ones that will make living frugal a breeze or super hard. Start by listing down what is important to you. Then make sure you reorganize them in a priority list. Start cutting back from the bottom of the list. This will help you feel less like being cheap and more of de-cluttering your life.
    Also remember that every household has different meanings of being frugal and different needs. A $50,000 pick-up may be of value to a cattle farmer but will seem like an unnecessary expense at first. It should all melt down to what you deem of value.
  • Baby steps.
    You cannot just wake up one day and go full on frugal. The whole idea of being frugal is a process and a mindset. Some people are more frugal than others. You cannot just wake up one morning and start collecting rain water to flush your lavatories. This is an extreme change and would probably go crazy trying to keep up with this type of lifestyle change. Before you go buying self-wheat grinders why not start with something simple like switching off the lights when you leave a room. You can also open the windows instead of using the AC at its full capacity on a hot day. Look at the small things you can change in your home before starting off with the larger items. Being frugal does not have to be hard. Take it as a process and cut back slowly to ease the transition.
  • Frugal shoppers.
    In order to save on money you have to save on purchases. This is why you need to come up with a budget whenever you go to the mall. Being frugal does not mean being cheap. Do not go into an electronics section and buy the cheapest heater you can find. Chances are it will get spoiled quickly and you will need to buy another one real soon therefore spending more money. Do your research on items before buying them. Go through customer reviews and make an informed decision.
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