Helping You Define Your Lifestyle

Where to Pin Hopes of Your Next Vacation?

If you’re feeling a little stressed out these days, is it time for a vacation with the family or even on your own?

For the millions taking vacations on a yearly basis, where to go is oftentimes the biggest factor in play.

That said your income will more times than not dictate where you will be able to travel to. If struggling to make ends meet, you may decide to go for a trip closer to home. If things are going rather well for you, you might decide to spend more money and go for broke.

No matter where your vacation plans take you, the goal each time should be to have the time of your life.

Invest in Your Vacations

As part of your vacation planning, invest in each trip.

For instance, are you a collector of one kind or another? If so, you might already be collecting mementos from your past trips. If not, now could be a good time to start such collections.

An example of this would be if you enjoy going to Disneyland or Disney World.

Two of the most famous theme parks in the world, both have been pleasing folks for decades. As part of that enjoyment, have you thought about pin collecting?

You can find a guide to trading pins at Disney online or inquiring in-person at Disney about how to get started.

Pin trading allows guests to swap Disney pins with cast members and guests. Before you know it, you will have dozens and dozens of pins to highlight all the Disney franchise has to offer.

Another collection to consider when going on vacation would be magnets.

Most gift shops at theme parks, resorts, hotels etc. sell various magnets. The magnets allow you to highlight where you traveled over the years. Put them on your fridge or any metal cabinets in your home.

No matter the choice of collections, documenting your trips is a great way to look back with fondness.

Relax on Your Vacations

Even with trip planning and money involved to go somewhere, make sure you take the time to relax.

For too many individuals, relaxing and vacation do not fit in the same sentence.

An example of this would be the person who goes on a trip, yet takes their work with them. From checking work emails to doing projects for clients, this individual can’t get away. If your family is with you on vacation, this can become even more problematic.

Do your best to get your work done before you leave for your trip. In doing so, you will find relaxing is much easier to do. In turn, your family will appreciate the fact you are devoting time to them and not your clients or boss.

Last; start thinking about where your next trip will take you.

By having a trip to shoot for, it makes your daily work schedule and all the other tasks in life go a little faster.

Whether this is more visits to Disney or countless other theme parks or resorts get to planning.

In having another vacation to look forward to, pin your hopes on yet another good time awaiting you.

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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.