Helping You Define Your Lifestyle

How to Make Money to Pay Off Your Debts 

I was chatting with a bankruptcy attorney recently about the staggering number of people who commit suicide each year as a result of their debt problems. This is an issue which is very real and whilst many do take that most drastic of steps, there are millions more who feel choked because of the amount of money which they owe to financial institutions. Debt is very easy for individuals or businesses to have a problem with and whilst there is nothing wrong with the idea of borrowing money per sais, many people fail to control their debt and end up in grave situations. If you are struggling with debt, here are some idea for how you can make some extra money to get them paid off as quickly as possible.

Second Job

Most people will find it difficult to get a raise in there current job position and whilst there may be the opportunity of overtime, the best way to raise more funds is to take a second job. A second job will put a lot of stress on you and it will most definitely eat up a great deal of your time, but it will ensure that you are making more money to pay off those debts. If you work a regular day job then look for restaurant and bar work or even delivery driving in order to make some extra bucks.

Working Online

There are many ways in which you can use the internet for some additional income and for anyone who has family restraints or reasons why they cannot take on a second job, the internet is the perfect choice. You could do things like filling in surveys, freelance writing gigs or even some matched betting in order to get some extra money coming your way. Working on the net means that you can do so from the comfort of your own home and at whichever time suits you best.

Selling Items

Whilst it may be painful to sell your possessions, it will be far less painful than continuing a life under a debt mountain and you should be rooting around your home for things that you can sell to make money. It has never been easier to sell things than it is right now and you can use sites like eBay and Amazon in order to pass your stuff along to someone else. Just think how great your life will be when you no longer have debt, this can help you when you are trying to decide on whether to sell an item or not. A life without possessions may not sound great, but at least you won’t have anyone asking you for money.

No More Borrowing

No matter what rate you are offered or how great additional money may sound, you must stop borrowing money altogether. It can seem like an easy option to borrow forward to pay back but your will never be able to finally exit this cycle if you do this, work hard and pay off your debts, it is the only way.

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Can You Predict Ovulation?

If you’re trying to get pregnant, then this question has to be at the forefront of your mind. You can only conceive during your ‘fertile window’ – a period of a few days in each cycle anchored in place by when you ovulate.

For conception to occur, active sperm have to encounter a fertile egg (usually in the fallopian tubes, sometimes in the uterus), which means that you opportunity to get pregnant each month is dictated by how long both sperm and egg can survive! As healthy sperm can survive in the body for four to five days, and an egg remains fertile for between twelve and twenty four hours, this gives you a period of four to five days in each menstrual cycle when you can get pregnant.

Predicting this window of time is really important, especially if you have a plan for the ideal time you want to get pregnant and give birth. It’s absolutely vital if you’re trying to counter the fertility effects of conditions like Polycystic Ovary Syndrome, which makes ovulation rarer and less regular – identifying and anticipating that key moment is the key tool you have available to help you get pregnant.

Is there an answer, though? Plenty of products promise to be an ovulation predictor but do they work?

Ovulation Calculators

These are perhaps the most convenient, lowest effort solution available, which makes them inherently attractive to some. All you need to do is enter the date your last period started, and the length of your menstrual cycle, and it can place where you are in yours, and tell you when you’re due to menstruate.

These work well – for women with extremely regular cycles. If yours works like clockwork every month, this is a good option, but even then tools like this simply can’t pick up health issues that might cause a disruption to your cycle.

Ovulation Predictor Kits

Known as OPKs, these kits work like pregnancy test: they check your urine for a spike in a particular hormone, the Luteinising Hormone that prompts your ovaries to release an egg, in this case. If the test detects you’re experiencing a surge in this hormone it tells you’re ovulating!

The weakness of these tests is that they’re not good at picking up results if you have a disrupted hormonal background – if you have a naturally low surge of LH it may never pick it up even if you ovulate regularly!

Basal Body Temperature

This is one of the best measures, with real predictive power: your basal body temperature (the minimum it sinks to while you sleep) responds to your menstrual cycle, so taking your temperature with an accurate digital thermometer can predict when you’re due to be at your most fertile.

It can be hard work to get good readings, but with specialised products available to take some of the pain out of taking readings and turning data into predictions, it’s the best option for the majority of people!

Could You Be the Next Crime Victim?

Being a victim of crime is something no one wants to be a part of.

That said are you doing everything within your power to lower the chances of being the next victim? If you are not, you could be setting yourself up for trouble.

With that in mind, what steps can you take to steer clear of being a crime victim?

Don’t Think It Can’t Happen to You

In your quest to steer clear of ending up a victim, your first step should be to understand that it can happen to anyone.

That said you want to avoid having the notion that you are immune to it. Even when you think you’ve taken all the right steps to avoid crime, it can still surprise you.

Among some of the crimes and how you can avoid them:

1. Identity theft – One of the more troublesome crimes, identity theft can strike at any time. With that being the case, you want to have an identity protection plan backing you up. Whether you look into LifeLock identity protection service or another brand, protect yourself. Such coverage will alert you to any red flags as you look to protect your finances. The most notable is someone without authority has tried to access your finances. Remember, one successful identity theft caper can have dire consequences for your finances.

2. Property theft – No matter the items involved, property theft is another crime you want to be aware of. With that in mind, you should make sure all your property has protection at all times. An example of this would be your vehicle. Are you someone who leaves their vehicle unlocked all or most of the times? If so, you are asking for trouble. Even if you lock your car or truck on a regular basis, do not leave valuables in it. Items like laptops, phones and significant money should never be in your vehicle. If you need to leave something of value in your vehicle for only a brief period of time, lock it in the trunk. At least this way it is out of the public view should someone come upon your vehicle.

3. Home invasion – Another crime to stay on top of would be a homeinvasion. In such a scenario, a criminal would break into your home whether you are there or not at the time. If you are, things could be even worse. To best protect your home, having a security system in place is a good start. If you do not have one now, go online and see which companies offer the best systems. You can check with friends to see which home security systems they recommend. Even with a security system in place, use some commonsense too. This means not leaving doors unlocked to start with. If you are going to be away for any extended period of time, be sure to have your mail/newspapers picked up. Also make sure your grass is trimmed and any snow is shoveled. Never give off signs that your home is sitting there without you around.

In your efforts to avoid being a crime victim, will you come out on top?