beneficial

Effective Ways to Manage Money

There are many ways and tips on effective ways to manage money in general. Technically, all these tips talk about one thing: being able to have money when, or where needed. A lack and unfulfilled desire to acquire wealth when the call arises does not necessarily mean not being able to manage money effectively but may just be an overreach of expected events. Nevertheless, the person should be able to acquire and find ways to come up with the needed amount if ever there is a strapped budget from the unexpected event that requires to comply.

Look at The Future Goals

One of the most important and progressive values of a person to have effective ways to manage money is to have a sense of foresight. This foresight pertains to the ability of a person to know what things are most likely to happen to him in the future and be able to prepare beforehand with a substantial amount of time.

With this is the responsibility of being able to properly organize the timeline and the budget allocation of funding and financial distribution. Also, in this regard, the consideration of all other fees, bills, and payment allocations would have to be correctly identified and included in the plan.

An option of having to put an allowance or extended goal would be beneficial to the planner to allow himself to adjust and be able to cope with unexpected events with a bit more ease. In this manner, the one who manages the money can have an extra for a rainy season ahead.

Invest, Invest, Invest!

Another method to effectively manage money is to invest in progressive and productive endeavors which could be other sources of income. Instead of just allowing the savings to rest in a bank and earn a small amount of interest per year, it would be wise to allocate some of the money and other resources into a business. Of course, it may prove unproductive and detrimental, but the allowance of such funds to different paths of productivity would widen the scope in which a person could determine and discover the best way to manage and have more money to alleviate the status in society.

Investing does not only mean having to go into a business venture but also in being able to become a stockholder, no matter how small into an existing business. Being a stockholder and becoming a part owner of a running business puts a person into a profit-oriented state by having a percentage of the earnings that the said business generates. Nevertheless, the risk of losing the capital used for this investment is as significant as having a self-owned one.

The 3:3:4 Paradigm

This paradigm considers that all the other utilities and monthly bills have already been paid and the amount left is the extra money that is left available. Most people probably would not be lucky enough to have this, or if possible, just with a tiny amount. Still, no matter how small the amount is, it is a good start. The 3:3:4 paradigm means that 30% of the free money is to be saved in the bank, 30% is then used to allocate for the investments of choice, and the remaining 40% is assigned to the leisure and luxury of the household. The last aspect is essential to provide a sense of reward for the earner to clear the mind of burden and discouragement.

These aspects, when combined, are often effective ways to manage money and not be burdened of having to earn money to pay off previous debt. This would be helpful to the wage earner to look forward to an increasing pace of living rather than retroactive maintenance.

We hope this information was beneficial. You can have anything you want if you are enthusiastic about putting in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips!

In closing, we invite you to share your comments on this and or other articles. If you find the information useful, please Like & Share us and subscribe to this site for an update as we reveal new strategies. Remember to keep an open mind and Shift 4 Freedom.

Coping Techniques for People Suffering from Multiple Sclerosis

Having a chronic disease brings a host of changes in one’s life and those of others who depend on you or interact with you regularly. Once you receive a diagnosis, you would find that the symptoms are increasingly becoming more difficult. People are getting affected; you progress into something less able to function normally. And the condition gets worst. Your relationship with people, most of whom you love and care for, gets injured. On top of this, there are no known cures, only treatments that you hope will relieve the unpredictable symptoms. There may not be a lot you can do about it, but there are some things that could ease your distress. One way of taking charge of multiple sclerosis is by knowing and practicing appropriate coping techniques.

Have a positive disposition; it is hard to be hopeful knowing that there is a massive wall between you being sick and you having a normal life. But it always pays to look at the brighter side of your condition. It is not a terminal disease, and it’s not contagious. That’s a good start. Also, having a positive outlook lifts vast chunks of the burden from your breast – it makes you a lot happier, a bit more hopeful and, in fact, a bit less sick.

Educate your family about multiple sclerosis or, encourage them to understand the sickness. Much of the problem comes from your family’s inability to cope with your disease. However, by enlightening them about the nature of your condition, what should be their expectations, what should be their attitudes about your symptoms. This way, they will know where you are coming from, and they would be able to understand you better if not, help you suffer less.

Be like the children who have multiple sclerosis themselves – In the face of a chronic illness or disability, children seem to handle it much better than their adult counterparts. It is because they have high expectations about their future; they do not quickly lose their grip on their hopes of becoming better. This attitude tends to protect them from the debilitation they are or will be experiencing. If an adult sufferer can take hold of this attitude or develop it, it would surely be beneficial.

Don’t bother too much about the future. Do not live in the future. By doing so, you will not have to be overpowered by fear of the future. It is the winning attitude of people who are triumphant against the disease. Just try to prepare and think about it but do not act like you have to control it.

Live one day at a time – Treat every day like you a perfectly normal human being. It would not prevent the relapse of symptoms for sure, but it could help you get through the day without it being too overwhelming for you.

Don’t nurse your pain – Because the symptoms are unpredictable and because they are often life-inhibiting, your best course of action against them is not to focus on them, though without compromising your needs for rehabilitation, therapy, and treatment.

A patient’s attitude often defines how well he can live through his sickness and the disabilities it causes. So, get that positive attitude.

Poor Nutrition and Its Impact on Psychological and Sexual Health

This article discusses the significance of diet and eating right and the benefits of eating a healthy diet. It also explains the connection between sexual health and the food we eat, and how our lifestyle (for both men and women) can affect their sexual health.

Promoting sexual health is not just a matter of good hygiene or preventing infectious diseases that undermine one’s sexual health. It also entails having a good and balanced diet. Good food allows the body to acquire various nutrients that are needed by the internal organs to function well. Even skin rejuvenates through the consumption of nutritious meals and water.

The lack of a balanced, nutritious diet could expose a person to several physiological problems. Women, for example, could experience irregular periods or even entirely miss several periods due to overeating and over-exercise. Amenorrhea, or the absence of menstrual periods, is also welcomed by young women because they are pleased that they no longer need to use a tampon or sanitary napkin. However, what is not often realized by these women is that missing menstrual periods may already be a sign of decreased estrogen levels. Low estrogen levels, as well as over-training, can lead to osteoporosis Women who lack calcium intake can also develop a higher risk of osteoporosis or brittle bone syndrome. Osteoporosis causes a woman’s bone density to decrease, leaving her skeletal system weak and vulnerable to fractures. Low estrogen levels during the peak years of bone-building through the preteen and teen years, can affect bone density for the rest of your life. You cannot regain bone growth lost during these years.

Poor nutrition can also cause other delays or problems in physical development among women. These adverse effects of malnutrition may include underdevelopment of mammary glands, hormonal imbalance, stunted growth, weakness, anemia, internal organ failure, and even difficulty in conception.

Improper eating habits can also cause some women to develop psychological problems. Anorexia and bulimia are two of the most common eating disorders reported today especially among younger women. More than just being drawn into a pattern of near-fatal under-eating. Self-inflicted starvation is a dangerous effect of having an imbalanced sense of self-worth and self-image. Young women who believe that “she can never be too thin” starve themselves almost to the point of death.

Other psychological problems may occur by hormonal changes in a woman’s body. These hormonal changes usually trigger symptoms of depression, sleeping difficulties, oversensitivity, mood swings, and anxiety. In extreme cases, women with psychological problems may even attempt suicide. Specifically, changes in thyroid hormone levels can cause symptoms of depression including mood swings, irritability, fatigue, lack of concentration, sleeping problems, and weight gain. Women with eating disorders can also expose themselves to bullying especially when others see them as being different, weird, or weak.

Among men, hormonal changes often caused by poor nutrition. Over-exercise or overtraining also creates a sharp decline in male testosterone levels. Men with testosterone problems usually suffer from low sperm count, lack of sex drive, and erection problems.

Indeed, food is not only for the stomach. Good and proper nutrition is also essential to male and female health, especially in the area of sexual ability and performance. By eating the right kinds and amounts of food plus getting enough rest and exercise, men and women can improve their sexual performance and overall sense of well-being.

In closing, we invite you to share your comments on this and our other posts. If you find the information useful, please Like & Share us and subscribe to this channel for an update as we reveal new strategies. Remember to keep an open mind and Shift 4 Freedom.

Four Easy Ways to Lose Weight

It seems like everywhere you turn these days, someone is claiming they have the best ways to lose weight. The only true and proven ways to lose weight are to eat better and participate in a fitness program. All those self-help books, diet products, and crazy-looking exercise machines are all a waste of money. Losing weight can be very inexpensive if done right.

A simple walk around the park and a basket full of vegetables can be all you need to start on your way to losing weight and living healthier. Here are four things you can incorporate into your lifestyle today to see immediate results.

Eat breakfast every day. This gets your body’s digestive system started up and will increase your metabolism throughout the day. Many people are rushed in the morning and think they can just skip breakfast and catch up with a big lunch. This is the worst thing for people who are trying to lose weight because it causes the body to slow down its metabolism.

Since dinner is usually around 7 o’clock for most people, this means that the body must go well over 12 hours with no nourishment at all. The body switches to “famine” mode to conserve energy and burns fewer calories while storing more fat.

Eat smaller meals more frequently throughout the day. As mentioned above, this keeps the body from switching to energy conservation mode. You will also find that you have more consistent energy all day long because your body is constantly getting fuel.

Of course, these smaller meals should be healthy items, not junk food. Processed sugars and saturated fat are harder for the body to handle, so you will have a lag in energy level and a drop-in metabolism while the body struggles to digest an unhealthy snack.

Slow down while eating. Not only will you be able to savor the taste of your food, but you will also end up eating less if you take longer to do it. Eating too quickly circumvents the body’s signal that it is full. You can keep eating before you realize that you do not need any more food.

Slow down and try to take about 30 seconds per bite of food. This lets your body catch up and let you know when you have had enough to satisfy your physical needs. You may even become more mindful of the food you are eating and the nutritional choices you make. Often, we eat certain foods simply out of habit and do not even realize we are making an unhealthy choice.

Plan out your meals for the entire week. This will make your grocery shopping easier and can keep you motivated to eat healthy even when things get busy later in the week.

You will already have all the necessary ingredients on hand to cook a delicious and healthy meal, so it will be harder to justify choosing high-calorie fast food instead. The best ways to lose weight is to focus on making it convenient and enjoyable to live a healthy lifestyle.

We hope this information was beneficial. You can have anything you want if you are enthusiastic to put in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips!

Manage Money with A Tight Budget

Often, the average salary earner garners just enough money to support and be on a break even with the numerous bills and fees presented to him. There is a common misconception of having to manage money with a tight budget in terms of being given the image of incapacity or lack of capability. However, in an optimistic point of view, having to manage money with a tight budget brings out the good qualities that a human being has in order to survive and exist in harmony with the demands of society. This only requires self-reflection and responsibility to focus on self-needs and thinking.

Tight Means Availability

Having a tight budget would mean that we are able to discern what things are available to us and allows us to properly identify and rank the things we need instead of what we want. In addition to that, we can choose and deliberate on the better benefits that we would be getting from choosing a better alternative than the one we would normally want.

The resources and basic needs of a person are already available in the society. Even as simple as the simple grocery items that we need for the maintenance of our homes is marketed in different brands and their respective offers. All we must do is know and understand the fine printing of each product and know what we really need at the right time.

Tight Means Better Responsibility

Having to deliberate on the hierarchy of needs we should be spending our hard-earned money brings out and develops our sense of responsibility. This responsibility ranges from the actual management of money for needs rather than wants and applies to the choices that we make to manage our existence. We are also developed into thinking about what we must do at certain stimuli presented to us. In this aspect, we learn to juggle and balance a very complex management system and practice perfection and efficiency from within.

Tight Means Better Management Practice

Being able to practice proper management would bring about a more efficient means of existing without much problems of having to look after things other than what we expected. For example, a credit card should be used to acquire things that are not accessible for normal acquisition or when an emergency is at hand. Still, having this power to have advanced “money” in the form of a loan does not mean that we should be using it as normal as if we had the actual money. Remember that this is borrowed money and therefore should be paid back. That is why sometimes a credit card is better left at home to lessen the chances of mismanaging money due to a subconscious thought that we can bend our budgeting anyway.

Tight Means A Means for Proactive Goal Setting

Human nature dictates that when provoked, a human fight back. This is a common and usual occurrence for any aspect that deals with human existence, including managing money for survival and living. When a human is presented with a tight budget, he is presented with a limitation that restricts his freedom. A normal response would be that the person finds ways in which to ease up a little bit of restriction one step at a time. This should ideally be the flow of thinking of proactive goal setting.

Have a plan of projecting yourself several years in the future and look at what you want and need, and plan. This also includes having to find ways of earning a bit more to add to the efficiency of productivity over time. Remember that the way to manage money with a tight budget is to look at it as a stepping stone to look for greener pastures, not as a wall to block your aspirations.