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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Effective Ways To Save For Your IRA

Retirement is a very important goal to save for. You need to make a call as to how to save your funds for retirement, whether it be in dedicated account like an IRA or in a 401K through your job or some combination. The potential for growth in compound interest is great, so that means that you need to be able to put as much money into them as possible.

Which is why you need a monthly budget and you need to stick to it. Budgets are great tools for keeping track of your monthly cash flow, income and investments. And once you get past the psychology of not being able to think about money, it can really help your spending habits. Because it provides a chance to prioritize what you value and what you need to spend money on.

First of all, pay yourself first. You need to have money in savings in order to invest in an IRA or some other account. So you need to be disciplined about saving money for yourself and your family. Bills, food, cars and entertainment all have their place, but paying yourself first needs to come first. And it is great to be able to automate it. When you create a regular transaction from your regular account to a savings account, that means it happens without thinking about it. You can also automate savings straight to your IRA.

Use multiple savings accounts. You need to have places to put money for emergencies, major purchases and regular expenditures. That way you always have a place to save your money.

How do you get that extra money? Look for a raise at work. You need to be able to talk to your boss about getting more money when you think you deserve it. It can be a hard conversation at first, but you can really increase your income the more you do it and the better you get at asking for raises. Keep an eye out for bonuses as well. If you budget correctly, found money like that can go straight into your IRA.

Then you need to look at your expenses. Do you need both a cleaning service and a landscaping service? Figure out which one you can live without and cut that one. How much do you spend on groceries each month? Where are ways you can cut that down? You can cut coupons out of the newspaper and figure out more economical ways of getting proper nutrition. Cheap protein, like eggs and beans are always a good solution.

Look at your local library. There are always great books there, but you can also find movies, TV shows and documentaries that you can borrow for free. That might provide a chance to break down your cable bill and allow you to cut the cord.

The ability to save for your IRA can be learned. You don’t have to be a natural saver. You can change your habits if you put the effort in. Learn how to cook more and learn where you can invest wisely to replace your job income with passive income. That will allow you to make more money, have more time and save for your IRA.

Kimberly Dey’s Top Tips to Staying Fit and Healthy

Everybody knows that we need to focus on getting and staying fit and healthy, but very few of us seem to actually be able to do it. The reality is that it is difficult. We live unhealthy lifestyles that are based on convenience and speed. If we want to become fit and healthy again, that means that we have to make some significant lifestyle changes, and that is hard to do. But the desire is clearly there. Kimberly Dey, for instance, has noticed that between $40 and $50 billion is spent on losing weight alone each and every year. The problem is that much of that money is spent on scams and products that promise the world but deliver nothing.

Kimberly Dey on Realistic Health and Fitness

Diet and lifestyle are the two key things that will determine how fit and healthy you are. It is said that there is an 80/20 rule, meaning that how you look is 80% down to what you eat and 20% down to what you do in the gym. This shows just how hugely important what you eat every day actually is. And one of the things we all seem to get way too much of as of late, is red meat. Red meat isn’t just steak (steak can be very healthy, actually). Rather, it is found in burgers and various other snack foods. It is high in fat and high in purine, leading not just to weight gain but also to gout. Your meats should be white, and they should be boiled, broiled, grilled, or baked. Additionally, the focus should be mainly on fruits and vegetables, leaving the high calorie dressings away.

Other types of lifestyle changes also have to be implemented, however. That 20% exercise is still an important 20%. Once you have reached your target weight, the percentage actually shifts a little bit, because you then start to work out to modify your shape. Either way, exercise is vital to a healthy, fit body. The great thing about exercise is that there are so man different options out there. For instance, you can go to a gym and lift weights, you can take an aerobics class and dance about for an hour, you can go swimming or cycling, and so on. Whatever you decide to do, however, you must start by warming up and finish by cooling down. Without it, you will produce excessive lactic acid, which causes pain the muscles and will make you give up. Similarly, doing the same thing over and over again gets very boring.

Last but not least, you have to be willing and ready to give up on your vices. Smoking is an absolute no-no, as it can lead to heart disease, arteriosclerosis, various other vascular conditions, and, of course, cancer. Similarly, you need to curb your alcohol consumption and never drink to excess. That said, some alcohol consumption is good, because it can lead to vasodilation, which helps to protect your heart. A healthy lifestyle doesn’t have to be completely boring, in other words.