I don’t know about you, but some weekends I just don’t want to make plans in advance. Then, by the time the weekend finally arrives, I end up bored and wish I has made plans earlier.
Luckily, I have a whole list of things that I like to do that keep me entertained while ensuring I have a good time all weekend. By the time I return to work, I feel nice and relaxed and I’m ready to get cracking.
Here are a few fun things you can do if you’re bored this weekend:
Play some fun games online
If you haven’t yet heard of Book of Ra, I’m about to open up a whole new world for you. This game is ridiculously fun, and there are also a bunch of other interesting and exciting games that you can try.
One of the great things about playing these games is you can actually win real money- so not only are you having fun, but you could be making money while you’re hanging out at home in your sweats.
If you’ve always wanted to write a book, but you keep putting it off, now is your chance. NaNoWriMo is just a few months away in November, so now is a good time to begin your first novel, or at least get a few of your ideas down.
If you’re not planning to write a book, but you need a creative outlet, why not try some freewriting or journaling? Writing can also be extremely helpful if you’re looking for a chance to work on your attitude- write a gratitude list next time you’re feeling down, and see how much better you feel afterwards.
Ok, ok, this is unlikely to be the most fun you have all weekend. But you’ll have plenty of time for fun through the week when you don’t need to cook or eat out, and instead have healthy, delicious meals waiting for you. Meal prep doesn’t need to take all weekend either- head to the supermarket, grab a few things, and you can even enjoy some free time playing games or reading a book while you’re waiting for some of it to cook. Trust me, one week of pre-planned home-made meals ready to go, and you’ll be a meal prep convert.
Catch up on Netflix
Let’s face it- we were all thinking it. I’m not a huge TV fan, but I will admit that the occasional weekend of binge watching while eating snacks is good for all of us. Of course, this shouldn’t be something you should do every weekend, but if you really need to chill out, invite a few friends around for a movie marathon or start a new series with that special someone this weekend.
If you think that someone can hack your phone, you feel uncomfortable, and want to know how to prevent, if possible, loss of any sensitive information. But can someone really hack your smartphone? Unfortunately, our phones can definitely be hacked- but there are steps that you can take to protect yourself. For instance downloading a antivirus for your mobile. Here is a bit more on phone hacks and how you can keep some of your information safe:
Network Hacking: The United States has a common network shared by mobile providers called CCSS7. If a hacker can triangulate your approximate location, he or she can use your phone number as an identifier and hack into the network- which is used for calls and text messages.
Malware Hacking: While network hacking is pretty nasty, it is also pretty limited. This is where malware comes into play. In most cases malware can get onto your phone while piggy backing on an app that you desire, or through an unsecured internet connection.
What You Can Do: One of the most important things that you can do is download a free antivirus app from a reliable source, like Google Play for Android, or from the Apple Store if you have an iPhone. Both Apple and Android security has increased in light of the increase in hacked phones over the recent years, and your phone will definitely have more protection if you take advantage of the features that these companies offer. In addition to downloading a reliable antivirus app, you should practice good information safety- avoid sending sensitive information like passwords or account numbers over text, and be vigilant about checking any accounts that are linked to your mobile device to ensure that nothing is amiss.
While it is possible for your phone to be hacked, you do not need to be a victim. If you do everything in your power to protect yourself and remain vigilant, you can help stop trouble before it starts- or at the very least, know when something is amiss and minimize the damage.
Summer is the season for travel – the kids are out of school and the weather is beautiful! Some of us choose to fly, attend a cruise, or take a leisurely trip on a train. Most of us opt for car travel. No other form of travel quite parallels the freedom and spontaneity that a road-trip allows, which makes for an exciting trip!
That being said, when you’re diabetic, you’ve got a couple of things to consider and prepare for prior to setting out on your summer adventure to ensure that you don’t encounter undesired blood sugar inconsistencies, risk to your health, and a halt on your summer fun.
We’ve compiled five tips to keep handy when packing for your next summer travel journey that are sure to have you well equipped should you notice inconsistencies in your blood glucose levels that need attending to.
1. Keep Juice, Sugary Snacks, or Glucose Tablets Handy to Ward Off Low Blood Sugars.
Nothing can ruin a promising road-trip like feeling ill, or worse yet, a trip to the hospital due to severely low blood sugars. In order to avoid low blood sugar and a damper on your travels, be sure to keep handy pre-packaged juice (single serving portions are great for travel), sugary snacks (candy bars, chocolate, etc.), or glucose tablets at all times. If your blood sugars drop below your target blood glucose range, be sure to reach for a sugary quick-fix to restore optimal blood sugar levels.
2. Take Breaks to Stretch Often.
Whether you are diabetic or not, it is important to take frequent breaks to stretch. Stopping to stretch increases circulation in your extremities, ensuring proper blood flow and lowering risk for pain, blood clots, and fatigue. It is recommended that you stop to stretch every couple of hours for approximately 20-30 minutes to achieve optimal break-time benefits.
3. Test Your Blood Sugars Each Time You Stop to Stretch.
Checking your blood glucose level often is the first line of defense against inconsistent blood sugars, giving you the opportunity to restore your levels to your target range, preventing illness and health risk all together. Make a habit of checking your blood glucose levels each time you stop to stretch. Making blood glucose monitoring part of your routine will not only ensure that you get to maintain health and enjoy your trip, it makes it easy to implement into your day.
4. Pack Healthy Snack Options to Avoid Fast Food Consumption.
Fast food is loaded with simple carbs and sugars that are guaranteed to cause a spike in your blood sugar levels and a subsequent crash that results in low blood sugar levels. These inconsistencies can pose a significant risk to your health and well-being. Avoid the risk altogether by packing a cooler full of healthy diabetic-friendly snack and/or meal options to satisfy your hunger during your trip. If you are getting an early start to your travels or traveling through the night, be sure that you do not skip breakfast on your road trip. You can find healthy options at fast food restaurants such as oatmeal, fruit cups, parfaits, etc.
5. If You Begin to Suspect Low Blood Sugars, Pull Over Immediately.
The most important thing you can do to ensure a safe and enjoyable road-trip is to pay attention to your body’s cues and how you are feeling. If you begin to experience symptoms of low blood sugars, pull over immediately and choose a suitable sugary quick-fix (juice, candy, etc.), or take glucose tabs to restore blood sugar to a safe level before proceeding on the remainder of your trip.
Taking a road trip with friends or family can be a fun time for everyone. Don’t let your diabetes get in the way of stopping you from enjoying this experience. Test often, eat healthy, and take breaks.
Matt Schmidt is the co-founder of Diabetes Life Solutions and Diabetes365.org. Matt’s father was diagnosed with diabetes and their journey to try and find affordable life insurance for Matt’s diabetic father was a tough one. He decided that no one with diabetes should have to go through that journey and has since been helping find life insurance for diabetics at affordable costs.
If you’re like most people, you may find that you never quite seem to have enough spare time. Unfortunately, we often get so caught up in work and family commitments that it feels like we’re blinking the months away.
However with some serious time management, you can fit in many more things throughout the week, grow your skills, increase your health, and have more fun.
Here are some fun ways to use your free time this year:
One of the great things about gambling online is you can do it whenever you have some free time. Those days where you’re too tired to go out after work but you’d like to do something fun are excellent opportunities to enjoy yourself and make some money while relaxing on the couch.
You’ll need to find the best online casino for you, as there are so many different casinos available, all with different games and rules. Another great thing about gambling online? You can practice before you get serious and bet real money. That allows you to get used to the rules and determine your limits and strategy.
Do some dating
It can be hard to meet people, especially when you’re always working and busy with other commitments. But there’s no need to resign yourself to a life of spinsterhood and cats. If you’re considering jumping back into the dating pool, install Tinder. Sure, there are a lot of people on the app who are just looking for a hookup (nothing wrong with that, you do you), but many people have met the love of their lives on Tinder as well.
The trick is to actually meet up with the people you’re interested in in real life. And be open to a wide variety of people- try to read some profiles before you simply swipe.
If you have some vacation time built up, it’s time to use it. Studies have proven that employees who take time off are more productive and relaxed. You’ll also be able to see the world, learning about new cultures, meeting new people, having amazing experiences, and returning to work motivated and ready to get back into things.
If you’re worried about the money side of things, you’d be surprised at how much you can save by cutting down on a few simple things like coffees and dinners out, clubbing, buying new clothes, and more. Sure, you’ll need to make a few sacrifices, but when you’re choosing between a coffee at Starbucks and a gelato in Italy, it’s an easy choice.
What’s that one thing you’ve always wanted to learn or become better at, but you’ve been putting off? Whether you’ve been meaning to start learning to code for months, you’ve wanted to learn Spanish for years, or your math skills are simply embarrassing, it’s never too late to start learning. Just think, a year from now and you could have greatly improved your skills.
Unique websites leave good impressions on visitors, they look professional and reflect high quality products and services. If you’re building a new blog or site, consider upgrading from the standard icons and buttons that most websites use, by using a creative icon set from the web. While some icon sets come with expensive fees or require subscription services, these 10 super-creative icon sets will spruce up your web interface totally free.
1. Web Browser UI Elements
This icon set works well for any website’s navigation menu. It includes back, forth, reload, bookmark, settings, for all basic functions your users may need to perform. You can use this free icon set to bring design conformity and ease-of-use to your site. Use the Web Browser UI Elements icon set to replace your navigation menu on mobile apps or versions of your site, or to give your full site a more modern look.
In the spirit of emojis and social media icon sets, this free icon set will bring a social-friendly, modern look to your site. The icons work great on mobile, and can used for navigation buttons, or perhaps more fittingly, actionable buttons. This set includes smiley faces, and faces for other emotions ranging from anger to curiosity. These icons also make great stamps and conversational icons if you have a forum or blog comment area that allows users to insert icons.
3. Simple Icons
This self-described simple icon set works great on two-color web interfaces, and lends itself to blogs, journals and magazines quite well. It contains copy, paste, volume, and expand buttons, which is useful if you are displaying media contained within text-based articles. The Simple Icons set contains PSD files that scale up nicely to fit any display size.
4. Black and White Icons Pack
These icons make great buttons for settings, submenus, and actions on web interfaces. They are simple, black and white in design and match any color scheme. They include weather, nature, science, and general icons. These work great if you want to start a blog or website with news articles or reviews.
5. Colorful Ficons
This icon set is made using Photoshop vectors, so you don’t have to worry about losing image quality if scaling to larger sizes. This is really convenient for larger screen sizes, and sites that use icons rather than textual menu buttons. The icon set includes 42 artful icons, ranging from ice-cream cones to shopping carts. Consider using this icon set if you want to start a blog that reviews Amazon products, or if starting your own online store.
6. Business Icons
The Business Icons set contains a .psd file with scalable, business-oriented icons. This icon set is great for building a unique web interface because the icons are in pastel, muted colors. This works well with food service, family-friendly, religious and holiday based sites and blogs. Use this icon set to set your business apart on the web, and show your creative side. It includes icons for calendars, tools and settings, printing, emails, and expanding graphs and charts.
The IconToucan icon set is unique in that it allows you create your own customized set online to download only the icons you need. This set includes icons for business and personal use, and has pretty much the same artistic range as most iPhone and Android icon keyboards. This includes check marks, charts, smileys and conversational icons. The icons in this set are vector images and will work with any HTML or CSS website or blog, or even your mobile app.
This icon set is designed for social media websites, and sites that want to get shared on social platforms. It includes two-color, modern icons representing all of the most commonly used social media sites. Install this icon set to let your users know how to share your content on specific social media platforms. The icon set works as a font pack as well, making it easy to implement on your site, right from the HTML editor, and can be used locally on your machine as well.
9. Retro Volume 1
This retro-style icon set will create a unique interface for your users. It works great on gaming and media sites, or any blog or website where vintage, antique or retro technology is discussed. It uses vector image files to ensure you can scale the icons to larger or smaller size as needed without getting choppy, pixelated results. This set has icons depicting cameras, storefronts, compasses, clothing, and more.
If you’re looking for something more than just basic two-color icons, give the Freepik icon set a try. The included icons look 3D, and have multiple colors and intricate design features. There are icons in this set for social media, contact pages, cooking, automotive, and more. The Freepik icon set catalog contains 11,000 icons, all free for use on your website or blog.
If you’re going to start a blog or new website, consider using an icon set that matches the theme on your site or business. This can be just as important as choosing design elements within your color scheme. Unique icon sets look great on mobile too, as they can more closely resemble buttons found in popular mobile apps. Creative icons give your site a more customized look, and relays to clients that you put thought and care into every detail.
WordPress is a fantastic web hosting platform that lets anyone with an email address register for a free .wordpress.com domain in a matter of minutes. They can upgrade to a private domain for a small fee, and the user-friendly interface means even total novices can put together a visually appealing website.
But how do you make your WordPress site stand out when you’re using a default theme? When you head to the theme gallery, you’ll notice there are dozens of premium themes that cost anywhere from $39 to $175. These are professionally designed and offer loads of customization features that may not be as prevalent with free themes, but they’re an unnecessary expense for a WordPress beginner.
Instead of dropping money on a premium theme you may not even wind up liking in a few months, check out these five great beginner WordPress themes.
The Dara theme is relatively new and ideal for personal and business blogs alike. A large featured image of your choosing greets visitors, while a cheerful menu bar cuts across the top that can link to all your most important pages (like “About Us” or “Contact”).
The featured content section of the blog has a slider feature, so those who visit your site can get a feel for what type of content you publish right off the bat. It’s a great way to showcase your newest and most successful blog posts in one place, which is the blogging equivalent of “putting your best foot forward.”
If you’re a business owner, you can enable a testimonial feature that includes reviews from your most satisfied clients or other noteworthy sources.
The front page can also include three separate images and a corresponding clickable header, or you can just set a static front page with a personalized image and message every visitor will see before they click on one of your menu bars to be taken to your blog.
Dara wraps up its primary features with social media buttons for you to link all your profiles and a full-width option to expand the body of the site to accommodate larger images and fonts.
Online publications will benefit most from the Gazette theme. As its name implies, this theme presents its content in an image-oriented format. Its minimalist color scheme places emphasis on content, so if you’re an active blogger or online magazine, this is a fantastic theme to start with.
The Gazette homepage can be customized to feature excerpts from key pieces of content, balanced with striking photography to create a site that’s as visually engaging as it is mentally stimulating.
The logo can be customized, so you can add your personality to this simplistic theme. The header can be fixed or unfixed while users scroll, so depending on how actively you want to push content, this is an interesting feature to consider.
One of Gazette’s greatest features for online publications is the option to include individual author bios on each post. For a free theme, it has everything you need to get your magazine or blog launched with zero startup costs.
This is a bold, one-column theme that cuts right to the chase. Ideal for bloggers who want their words to do the talking, the Eighties theme includes a large, customizable header image that can draw readers in, followed by a minimalistic layout punctuated with strong, colorful accents.
The responsive design means your content will look great on any device, and it takes care of all the style and code so you can dive right into publishing.
This clean-cut business theme features a professional layout with bright colors, though the color scheme can be toned down to one of several alternate options.
While the theme was designed with health and wellness sites in mind, it’s able to be customized to suit any business. Prominent featured images, customer testimonials, a customizable footer images and personalized menus are the main features that make Karuna an excellent choice for professionals who seek free web hosting without sacrificing customization and convenience.
Social links can be added directly into Karuna’s layout, and a header can be tweaked to include direct links to various site pages. You can choose between a one and two-column layout, full-width display and add widgets to the footer that include pertinent information like your business’s address, an archive list and compact navigation menu.
5. Libre 2
For those who want to start a blog and keep the focus entirely on text, Libre 2 is a wonderful choice. Described as “A clean and responsive theme for long-form writing,” Libre 2 boasts a classic look and modern design.
The fixed main navigation bar ensures that readers can easily transition from one part of your site to the next and keeps the most important content unobtrusively in front of them at all times.
Although its white minimal design appears simple, Libre 2 still gives you plenty of room to grow. Sticky posts can be fastened to the top of the site at any time, and secondary content can be spread out across three footer widgets.
A custom 300 x 300 logo can be added, which seamlessly shrinks to 50 x 50 while scrolling. A header menu and social media links finish off Libre 2′s offerings, making it a solid choice for beginner WordPress users who want to focus on blog posts and words alone.
How to Choose the Right WordPress Theme
When picking a theme for WordPress, content is key. A common beginner’s mistake is choosing a theme that relies heavily on customization for the sake of appearance. Although a lot of pictures look nice, image-heavy themes require a high volume of content to appear finished.
If you plan on publishing daily, then image-oriented themes like Gazette are perfect, but for those who plan to publish new posts on a weekly basis, themes that showcase content first and center are the better choice.
Yes, a lot of people still find this to be a question to tackle. However, it should be known that poker isn’t just an astonishing way to occupy one’s free time. Poker is a game that requires knowing your contender, strategizing, reading of the hand, psychology application, management of bankroll and just a little of poker luck.
As a spectator, one would expect watching poker on the side to be a fun thing to do. What fun could there be with a lot of people strictly bent on putting on their sunglasses in a room – without windows – where some chips and cards change position on a table? Well, the sullen look on the face of a banished player due to not having any more chips to continue the game at that specific time – sure isn’t fun to watch.
Getting it right with poker: Luck vs. Competence
It was impossible for a long time to accurately record the statistics of poker games until the introduction of online poker. Not all players keep a record of the game they play, and among these few, it is even more difficult to find those that are willing to share these records with researchers.
However, there are recent reports from https://pokiestar.com/online-pokies-for-real-money/ attracting a great amount of attention. One of which is the Cigital group (a consulting firm in Washington, DC) inspection of more than 100 million poker hands done on a large scale.
Here are two major outcomes that satisfactorily adhere with most knowledgeable poker players’ perceptions:
- There is no showdown for 3/4 of all poker hands.
- The best hand wins only approximately 12% of the hands.
- With such findings, it became more convenient for a lot to maintain the fact that poker is a game of skill and not mere luck.
What does luck have on this?
Saying that luck holds a significant role or not in poker – this should not be a contradicting statement. One should first consider the time frame before being able to evaluate the effect of luck. If we consider playing on a relatively short time frame, then we can comfortably be at rest that luck plays a huge role.
After checking with seasoned amateurs and top pros, it is seen that eighty to eighty-five percent of their outcomes for single sessions that don’t take less than 5 to 6 hours can be dependent on luck. A smaller group of these amateurs and pros on a week time frame (say, thirty-five to forty-five hours) can account for about thirty to forty percent of their outcome related to the luck factor. Why not spare a little time to experience more of the poker luck and skill balance?
Actually, what role does luck really play in poker?
c. All of the above
Well, the answer is definitely ‘c’. So, inasmuch as you are working so hard to put your skills in shape, get your strategy right, be in the right psychological state, properly read the hands of your opponents, getting to understand your contender, and managing the bankroll – one factor still remains a constant; you should still hope that LADY FORTUNE makes you her favorite at the poker table.
With around 18% of UK citizens alone taking long-haul flights yearly, it’s clear that many people are keen to purchase travel accessories designed to make their flight and overall travel experience more manageable. However, with the increased amount of people regularly flying, travel accessories have become more bizarre and strange with each year that goes by.
Whilst some are extremely useful and certain to ease your experience, they do have the tendency to look very odd and make you stand out like a sore thumb. So, if you’re keen to try some wacky travel accessories for your long-haul flights and travel adventures, but also discover some more discreet alternatives, keep reading!
JetComfy Travel Pillow
Perhaps not the craziest travel accessory to be seen nowadays, the JetComfy travel pillow is still sure to receive some stares from passers-by. Brick-shaped yet super soft, this memory foam pillow features an adjustable metal pole that allows you to adjust its position to suit exactly how you want to rest your head when sleeping. Also boasting a power charger for your devices and a handy torch, this pillow is full of basic necessities designed to make your long flights easier.
However, for sleep assistance without receiving awkward stares on your flight, take a look at Alarm Clock for Me – the free app available at this link. Featuring an innovative sleep timer, you can simply plug headphones into your smartphone and listen to an array of relaxing tunes or white noise specifically designed to drown out unwanted sounds and induce better sleep quality.
Lechal Haptic GPS Shoes
Ideal for those experiencing long-term travel and frequently moving from place-to-place, these GPS shoes could be the next best thing! Simply connect them to their accompanying app, input your chosen destination, and the shoes will vibrate whenever you have to make a turn. Perfect for those arriving in a new city and wishing to get acquainted with their surroundings, these shoes will certainly point you in the right direction.
However, they aren’t the most discreet or comfortable shoes out there, and you may feel slightly self-conscious wearing vibrating shoes no matter how helpful they are. So, trusty apps like Google Maps form an ideal alternative.
Perhaps the strangest-looking sleep aid ever created, the OstrichPillow is essentially a sleeping bag for your head. Designed to completely mute sound and block out light, this pillow does have significant advantages for sleeping as long as you don’t care what you look like!
Resembling a soft, pillow-like space helmet, the OstrichPillow definitely won’t suit everyone. So, opting for a smaller pillow that can be inflated and placed around your neck on the flight is sure to look less odd. Combine with an opaque eye mask, and you’re good to go!
Just because travel accessories have become more bizarre with each year that goes by, you don’t have to. Whilst they can have their advantages, there are clear alternatives out there that aren’t going to make you a stare victim during your flight or travels!
Jordan Bradshaw is a flight attendant who enjoys writing articles when he can find the time. He usually writes about travel; using the destinations and things he sees on the plane to give him article ideas.
Most people would like to earn a little cash on the side, to build up our savings, cut down on debt, and maybe even launch a new career.
If this sounds like you, but you’re not sure where to start, here are some ways you can make money in your spare time:
Bet on Sport
Betting on sport is fun for two reasons- you get to watch some of the best sports teams in the world as they go head to head, and you’re also financially invested, making it even more fun since you have more to lose depending on which team you’ve bet on. If this sounds like something you’d like to do, check out SBOBET Indonesia, which has the the Premier League Odds in Asia, and you’ll be able to tell which teams are the best for you to bet on and potentially win some cash.
Create a side hustle
If you have talents that you could use to go freelance, why not make 2017 the year you do it? The good thing about this idea, is it will usually involve using skills that you use in your day-to-day work life, like writing, design, software development, working as a virtual assistant, or something else that you can do from home. Another reason why this can be the best way to go to earn money in your spare time, is you may find that you’re so successful that you can eventually quit your 9 to 5 and take your side hustle on the road as your remote job. This will allow you to literally work from anywhere- including your bed or even a beach in Southeast Asia.
Sell some stuff
We all have extra stuff lying around the house that we never use. This is the reason why great sites like Craigslist and eBay are so popular, and you may find that you can create quite a large stream of income simply by selling things that are no longer useful.
Whether it’s that couch you’ve always hated, the artwork that’s expensive but you don’t like, or electronics that you never use, setting up an account on one of these sites and listing your stuff will only take a few minutes, but it can be well worth the cash.
If you’re particularly skilled with arts or crafts, you may find that your talents can also make you plenty of money in your spare time. This is especially great if you would spend your free time knitting, crocheting, or doing any other kind of handiwork anyway, since you’ll be able to relax while also raking in the cash.
Check out Etsy, which is popular with craftsmen and women, jewellery makers, and many more people who sell their items worldwide.
As you can see, there are plenty of great ways that you can make money in your spare time. If you’re desperate for cash, don’t panic- you may just need to think outside the box and use your talents.
For travelers and homebodies alike, losing track of personal finances is particularly easy. Managing your finances is important no matter what age group you fall under, but is especially important when you are just starting out in life. Most people don’t have a meaningful way of managing their finances or preparing them for the future and it ends up hurting them in the long run.
The most significant aspect to developing financial security is setting financial goals. You need to know what you are saving for, whether it be for short-term goals like a house or a new car or for long-term goals like retirement or your kids’ college tuitions. There are important and simple steps that everyone can make to start taking control of their personal finances.
Budget: What’s That?
Creating a budget is probably one of the most overlooked aspect of personal finances. Preparing a detailed budget allows you to plan for your financial goals and prepare for what it will take to achieve them. Simply put, a budget is a breakdown of all your expenses versus the amount of income expected for a given period of time. Ideally you will want a budget that has a surplus or extra cash after meeting all expenses, which you can use for investing, saving, or having fun.
The best way to create a budget is on a monthly basis. Add up all your living expenses such as mortgage, utilities, electric, internet, car payments, insurance, credit cards, student loans and any other payments that you have to make every month. Compare this number to your monthly income, and look at what you have left over. This will breakdown your finances and give you a better understanding of how you should spend your hard-earned money.
Once all your expenses are accounted for and your budget takes shape, you should then look at what the best options are for that extra cash that’s burning a hole in your pocket.
Taking Control of Your Debt
Debt is part of your monthly expenses, but there are strategies to paying off debt effectively. In order to get yourself in a solid financial situation, you need to pay off higher interest credit cards and private student loans because the interest rates they charge are higher and will take longer to pay off if you’re just meeting the minimum payment each month.
If you are paying off credit cards by just meeting the minimum monthly payments, it can take forever when more than half of those payments are going straight to interest charges. That is why it is so important to pay as much as you can versus just the monthly minimum. This will not only reduce your monthly interest charges as you pay the debt down, but it will also look good on your credit reports.
Reducing high interest debt is a great first step in taking control of your personal finances, but too often people, especially when they are younger, forget to set money aside for their savings as well.
The Power Of Saving
Saving can be hard because, let’s face it, we like to have fun and buy things we don’t need. However, there are some serious consequences for not saving and not having an emergency fund. What would you do if you have a serious health issue that leaves you with thousands of dollars in medical bills? What if you are suddenly let go from your job but you still have all your monthly expenses to meet? Would you have enough money set aside to contribute to these payments? Most people don’t think about these kinds of unplanned situations, so it is important to expect the unexpected so that you aren’t haunted by these events financially.
Having an emergency fund for the unexpected is not only financially responsible, but will also give you peace of mind. But then the question is, how much do you need in your emergency fund? A good rule of thumb is to have at least three months of expenses totally covered. This may not cover everything in the end, especially if you have a serious medical condition, but having at least something saved is better than nothing!
Once you have your emergency fund taken care of, you can look at building a savings. As a young professional, you have one major advantage on your side and that’s time. When you put money in a savings/investment account, you can take advantage of compounding interest, which means your money makes more money for you over time. Since you’re young and have plenty of time, it can add up to a lot. Even if you are only putting away a little bit each month, it will add up over the years and leave you sitting on a healthy nest egg.
Taking control of your personal finances takes discipline, but taking just a few simple steps can put you in a better financial situation. It’s not only responsible, it’s a smarter way to live life that will pay dividends over the long run.
Ross Cameron is a full-time day trader and owner of Warrior Trading which he founded in 2012 as a live trading chat room emphasizing education and idea generation. In 2014, he began teaching day trading classes, taking a break in 2015 to write a best-selling book How to Day Trade, which can be found at Amazon, Barnes & Noble, and other booksellers. Trading penny stocks allows Ross to travel and bring his work with him. Today he continues to trade in his chat room and teach trading courses, and lives with his family in Vermont.
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