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What if I tell you that saving money is as good as earning more

Everybody wants to earn more money.

What if I tell you that saving money is as good as earning more.

If you practice even 5 of the money-saving tips listed here, it can help you save more than $500 a month. That’s equivalent to earning $6000 more per year.

Let me share some quick and easy cost-cutting tips for your home that you can do in less than an hour.

  1. Use public transportation. Save money on parking, fuel, maintenance. Try carpooling to work with a friend. With rideshare services like Uber,  DiDi, GoCatch and Ola widely available, do you really need a car? Think about it.
  2. Sell Your Car. Get full market price for the car that you can use to pay down your credit card, student loan, or any other debts. No more insurance bills to pay!
  3. Get your home, or student debt refinanced. If you can manage to get a lower interest rate with another institution and use it to negotiate with your existing lender.
  4. Consolidate your existing loans to get cash or rate benefits. Signing up for an automatic debt repayment plan can also help you save.
  5. Scan your house for unused items that can be sold for quick cash on eBay, Face Book Market place or Gumtree. An old wood rocking chair, a pretty dress that you don’t wear or maybe that fancy snow boots that don’t fit you.
  6. Plan and cook your own meals. Skip eating at restaurants. Do batch cooking and freeze a portion that can be easily reheated for dinner with a freshly made side. Leftovers are great for the lunchbox too!
  7. Skip your daily takeout coffee or muffin for a smart and cheap homemade one. You can even pack your own snacks with it. Make your own trail mix, boil an egg and pack a bag of mixed nuts for a snack.
  8. Eat in-season fruits, vegetables, and meat. Apart from being widely available, they are cheaper than produce or meat that’s not in season.
  9. Purchase non-perishables in bulk quantities. Coupons can help save even more. Do this for items like salt, sugar, shampoo, bathing soap, or body wash. Try Costco
  10. Start a small garden if you have time. Microgreens, tomatoes can be grown in small pots on the balcony or even the window sill. It gives you fresh produce for dinner and sell the excess for a neat profit!
  11. Choose generic or store brands if you can to save dollars.
  12. Downgrade to a lower mobile phone plan. Choose a fast data plan option for your home use. That way, you will need data only when you are not at home. How about disconnecting your home phone and just have a mobile.
  13. Look out for cheaper childcare options. Try working a different shift to see if you can be home during the day -one day a week. What about an Au Pair?
  14. Focus on keeping children in only one activity at a time. Enrolling them in too many activities can quickly spiral out of control. 
  15. Save money on household staff by keeping a couple of hours on the weekends for housework. Get the family involved in doing daily chores and stay fit as a bonus!
  16. Stop spending money on clothes. Keep a tight budget for this. Buy a few classic and high-quality pieces that can be mixed and matched to create different looks.
  17. Beauty can be done on a budget too. Get your hair cut, manicures, and nails done monthly instead of weekly or fortnightly.
  18. Do you have a consumable habit that is draining your purse? Excessive smoking and alcohol can be challenging for your health and your wallet.
  19. If you are renting, find a cheaper alternative to live in. Mostly sub-urban areas and places just outside city centers can be more affordable.
  20. Start a side-hustle. Do you have a skill that can be sold online? If you know how to sketch, do graphic design, write or even offer to consult in the area of your expertise, look at platforms such as Fiverr and Upwork.

I hope you enjoy using these ideas and save money to do something you like!

Do you have a wonderful idea for saving money? Do share it in the comments!

Happy Saving!

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Nowadays, we have gotten used to packing light to avoid the high-priced check-in luggage when traveling. However, in personal lives, we tend to bring us loads of emotional luggage anywhere we go, without realizing what fees we are paying for this. What price do we pay for carrying the weight of the “emotional check-in” luggage? What if there is a way to make it into a carry-on?

We can try a small thought experiment together. Imagine trying to pack a suitcase that should hold all your necessities for a journey called “the rest of your life.” What treasured memories would you take with you? What pain would you like to leave behind, which people and responsibilities would not make the cut? What would your life be like if you could leave behind all that is holding you back and weighing you down? Think of the lightness of life with only a carry-on of memories, people’s needs, and expectations from you.

Significant memories

When you look back to your life what memories make you sad, disappointed or angry? Amongst those which do you identify as responsible for the things, you dislike about your life today? How would you and your life be like today if those events played out differently? Good news is that even though we can’t alter the past we can change how we perceive it and therefore how it defines us.

Who would you be today if you didn’t experience the challenges in the past? What did you discover about your strengths and capabilities by enduring them? What friendships grew on the road to overcoming them? Even though it is problematic to see at times, even the most difficult of memories can have something useful for your life. Most would rather if they could choose, avoid the pain they experienced. Don’t be fooled, this is possible!

Even though you can’t alter the past, you can transform your perception of it. You survived and it made you stronger! Sometimes seeing the positive that came from the frustration helps leave the negative emotions about it behind. Think of those events through this metaphor – a calm sea never made a skillful sailor. We don’t have to be prisoners of our past, but rather grow through what we go through.

Fears and negative anticipations

Robin Sharma said: “The fears we don’t face become our limits.” Once you can leave behind some of the painful memories from the past (read reframe them) you might be able to think more positively about the future too. Who we are and what we do in the present, is partly rooted in the past. However, we determine what to do today based on what we anticipate will happen tomorrow. We choose our actions today depending on where we believe they will take us. Those anticipations become more positive once you can reframe some of the “negative” experiences from the past. When you see that in everything bad there is a bit of good, you might start risking more. Allow your suitcase to contain fewer fears and more hopes.

 

People and their needs

Often we don’t notice when we become buried under peoples’ expectations and needs. Once they realize just how good of a resource you can be, they will rely on you consistently. These expectations accumulate over time and even though you feel like a good person by providing for others, you also feel drained.

Is there any of their needs that you can leave behind? What don’t you like providing they can find another person for? Before you start thinking this will make you a bad person, remember that by doing this you are in a way helping them. They will learn to widen the social network and become more independent. What people and which of their needs do you want to pack into the carry-on? This will allow you to still feel helpful and good about yourself without feeling drained. Remember, if you lose yourself – you lose it all.

 

Responsibilities and control

Being in control can give us predictability and help us feel safe. The more safety we need, the more control we are going to try to impose on different things in life. Needless to say, when you try to control everything, you enjoy nothing. Which things are, in fact, controllable? Which of those do you continue trying to rule over? What are the important and controllable things that you want to take with you to the rest of your life?

There is so much on your to-do list, day after day. Do all of them need to be done by you specifically? What can be delegated? Coaching for businesswoman can help you pack only the necessities in your carry-on. What are the essential duties you want to remain committed to? Direct coaching for women in business can help you learn how to delegate and focus on tasks that require you exclusively. Even though you can do anything, doesn’t mean you should do everything.

Make room for the things you want

The fact is you can’t pour into a full glass. When you translate that metaphor onto everyday life, you realize that for something unfamiliar to come in, you need to make room for it. Leaving behind the unnecessary, distressing and burdensome things from life provides the opportunity to add new, desirable ones. If you don’t choose to drag 5 check-in suitcases through airports when traveling, why would you choose to drag your emotional luggage through life?

Carrying only an “emotional backpack” allows you to travel to places where there are no elevators or smooth sidewalks. Imagine what you could experience if you didn’t have to carry so many worries, fears, and responsibilities with you. Pack light to travel far and enjoy the journey!

1 July 2019 Article Submitted byMilica Markovic

 

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Motivation, they say, is fickle. Yet, no one can deny the importance of motivation in meeting set goals, managing complex situations, navigating difficult times, going through the daily grind and generally grinding through life

TIP ON MOTIVATION FOR SUCCESS

Motivation, they say, is fickle. Yet, no one can deny the importance of motivation in meeting set goals, managing complex situations, navigating difficult times, going through the daily grind and generally grinding through life. That is why Zig Ziglar, a famous motivational speaker said “people often say that motivation doesn’t last. Well, neither does bathing — that’s why we recommend it daily.”

Indeed, there are many reasons to require motivation. In this blog, I will share tips on how to have motivation and overcome frustration, setbacks, lack of confidence and cynicism.

You are unique

You are the motivation you need! In this world, you are neither inferior nor superior to others. You are yourself. You have unlimited possibilities and enormous power. You can achieve and attain anything, only if you so desire. Own it!

Find inspiration, on a daily basis

Find what gives inspiration to you the most. Whether it is derived from meeeting people, from volunteering, or derived from family and friends or from reading about others’ success story, find what works best for you and find it everyday. Inspiration is a great motivator, you only have to find yours.

Have powerful reasons and write them down.

Why do you need to be motivated? Know your reasons, give them some thought and write them down. Be sure about the why you neeed to be motivated – it will keep you on track and focused. While there is nothing wrong in been motivated for your self-interest, doing things for others is a very great motivator, as long as it is all for the right reasons.

Break your big goals into smaller, manageable milestones

Sometimes large or longer-term goals can be overwhelming. After a couple weeks, we may lose motivation, because we still have several months or a year or more left to accomplish the goal. It’s hard to maintain motivation for a single goal for such a long time. All you have to do is break these large goals into smaller pieces with milestones. That way, it’s easier to chart your progress.

Keep a daily journal of your goal.

If you are consistent about keeping a journal, it can be a great motivator. A journal should have not only what you did for the day, but your thoughts about how it went, how you felt, what mistakes you made, what you could do to improve. To be consistent about keeping a journal, do it right after you do your goal task each day.

Don’t burn out – be patient

Most times, when we start new thing, we are raring to go and we expend a lot of energy expecting quick result. However, it’s easier said than done and when we don’t see the result, the motivation burns out. For example, if you want to lose weight, you may see some quick initial losses, but it will take a long time to lose the rest. If you want to run a marathon, you won’t be able to do it overnight. If you don’t see the results you want soon, don’t give up, give it time. In the meantime, be happy with your progress so far, and with your ability to stick with your goals. The results will come if you give it time. When you think about your goals, think long term.

Reward yourself for every little and large milestones you pass

I already mentioned breaking large goals into smaller milestones. To keep you on track, celebrate not only the bigger successes, but the smaller ones too. And not just for longer-term goals, either. Above, I talked about breaking larger goals into smaller, mini goals. Well, each of those mini goals should have a reward attached to it. Make a list of your goals, with mini goals, and next to each, write down an appropriate reward. By appropriate, I mean 1) it’s proportionate to the size of the goal (don’t reward going on a 1-mile run with a luxury cruise in the Bahamas); and 2) it doesn’t ruin your goal — if you are trying to lose weight, don’t reward a day of healthy eating with a dessert binge. It’s self-defeating.

Be fully committed to your goal

Some say you should trick and blackmail yourself to become fully committed. You can do this by making a publc announcemenet or making a bet with a loved one.Alternatively, you can create a blog and announce to the world that you are going to achieve a certain goal by a certain date.

Always think positive.

Monitor your thoughts. If you hear negative thoughts, stop them, push them out, and replace them with positive thoughts. Positive thinking can be amazingly powerful.

Finally, keep alert with Essential Oils

There is no harm in having help which will keep you motivated, and there is not one more effective than essential oils especially doTeraa Motivate Encouraging Blend. Made with extracts from well-known stimulating plants like basil, rosemary, peppermint and other, the oil primary benefit is to promote positive feelings like confidence and counteract negative emotions like doubt. With just a drop, you get enough motivation to jump-start your day.

In conclusion, time is limited, and we don’t get what we want by wishing for it.

If you cannot do great things, do small things in a great way.

 

 

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How To Balance Life And Passion In Your Relationship

The idea of balance and harmony between two somewhat opposing concepts has long been an aspiration of mankind. Perhaps, this is borne out of the fact that clashes sometimes happen between two equally important parts of our lives, sometimes our relationships with our partner and our life outside it. Most times, it is our career path and our relationship with our significant other that clashes, and the choice of which one deserves our attention the most is often one of the hardest decisions. How then do we maintain passion, enthusiasm and a loving atmosphere in our relationship? Find out more how to balance life and inspire passion at the same time below.

Make the Commitment

One of the best things you can do for yourself is commit to another person, to have to experience life with. Marriage teaches you as much as growing a business or career does. Be committed to both, and the lessons will intermingle and support one another. Plus, you’ll need the stability of another person. It’s good for the soul.

 Balance is Impossible

 Yes, you heard it right. balance is impossible, but work-life integration is crucial. There will be days you have to work more and others when you can take the day off to do something special with your significant other. If you have to travel for work, take him or her with you, stay a few extra days and make a mini vacation out of it. If they have to travel, go with them and do the same.

Prioritize

At the end of the day, though we all strive to leave a legacy through our work, it’s no secret that having someone to share your life with is an equally important goal. So, just as you prioritize time in your day for important work-related goals, you have to do the same to create or maintain goals as they pertain to your love life. Create goals you want to attain in both spheres and stick to it.

Be Present

You may not necessary be available your loved one all the time, however, make a point of being present when you are present. Leave your work at work, and don’t check your email or make one last call. Keep the phones out of bed, the bedroom is for intimacy. Make you’re your together time just for loved ones paying attention to each other. You can even keep electronic devices away from your bedroom if it will help.

It’s hard to shut off work, and it can’t always be done, but your relationships deserve your devoted attention just as much as your work does.

Prioritize Passion in Your Relationship.

A common issue in relationships is that we want one person to be everything to us. That means that your partner is your best friend, business partner, co-parent, lover, housecleaner, and handyman. Unfortunately, the more roles we put a person in, the more diluted the relationship becomes. If one of the main priorities of your relationship is to grow in passionate love, then you have to prioritize that experience above the others. One person cannot be everything, that is why there are other people like friends, parents, children etc. A charge can be reintroduced in your relationship if you start treating your partner like your lover, rather than your roommate.

Spice It Up

Passion inevitably dies down when the mundane takes over, and new experiences fade into the distance. Passion comes from having new experiences and slacking around in the house just because you have both vowed to live the rest of your life together is the best recipe for falling into a rut. Give your partner surprise gifts, have couples’ dinners, communicate frequently, share your fantasies, try out new experiences etc.

You can also literally spice things up with essential oils, especially the aptly named doTerra Passion Inspiring Blend. Its spice and herb mix will jolt you out of complacency and make you go on an adventure of your lifetime with your partner!

Pursue Your Own Passions

If you feel there’s an imbalance in your relationship, it is often because of time constraints. Perhaps you have a lot of time on your hands and your partner doesn’t. Or maybe you’re knee-deep in a phase of your career or a new business venture and have no time to devote to your spouse.

Either way, this is where hobbies come in. Instead of looking for a romantic partner to fill the void, try pursuing something you genuinely enjoy — and encourage your partner to do the same. See time apart as an opportunity for self-growth.

Demands and restraints have very little to do with love, so whatever you do, don’t hold each other on a short leash. Relationships prosper from opportunity, and the more you are willing to let your partner explore, the closer the two of you will become.

 

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How to Get Rid of Cellulite

Someone once told me that cellulite is the battle-scar of a battle well-fought and worn. Perhaps what the person was alluding to was that since grown women mostly have cellulite, it is an emblem of the things we’ve been through and we should be proud and not ashamed of it. However, in reality, not many can be persuaded that their cellulite should be worn with pride, and frankly, there is nothing bad in wanting a smoother skin, or changing a look you don’t feel comfortable with, as long as such change comes with no health risk.

This post has been designed as a one-stop post if you are looking to remove your cellulite and look healthier, but first, let’s define cellulite, debunk some myths and note other preliminary tidbits.

Cellulite is not a medical disease but a harmless condition which occurs when fat underneath the skin gives it a dimpled, bumpy, or “orange peel” appearance. Cellulite is a fat deposit beneath the skin and occurs when fat deposits push through the connective tissue beneath the skin.

Cellulite is also much more common in women than in men because of differences in the way fat cells, muscle, and connective tissue are distributed in men’s and women’s skin. Between 80 and 90 percent of women will at one point or the other have cellulite. Since it is almost universal in adult females and has no health risk, it is considered normal. Even slender women in excellent physical condition can have cellulite.

The cause of cellulite is a genetic difference in the way adipose tissue (body tissue containing stored fat that serves as a source of energy and also cushions and insulates vital organs) and connective tissue (body tissues that support organs and fills spaces between them and forms tendons and ligaments) form. Cellulite is therefore not a function of excess weight, at least not directly as cellulite affects people whether they are overweight or not. Other causes of cellulite include pregnancy and an inactive lifestyle, smoking, family history, skin thickness, gender, the amount and distribution of body fat, and age – all of which can determine the extent to which cellulite is present or visible. People who eat too much fat, carbohydrates, and salt and too little fiber are likely to have greater amounts of cellulite. Wearing underwear with tight elastic across the buttocks can limit blood flow, and this may contribute to the formation of cellulite.

To treat the appearance of cellulite, numerous treatments are available, but the effect is mostly temporary so continuous application is required. One is the use of essential oil. Rosemary essential oil is known to increase circulation by warming the organs underneath the skin. With the vigorous application of rosemary essential oil, the appearance of cellulite decreases over time. Besides, rosemary is low-cost and has other health benefits compared to other treatments in this article.

Other treatments for cellulite include acoustic wave therapy (AWT also called Lipotripsy) applies acoustic waves (also called sound, pressure or shockwaves) to the affected areas; laser, light, or radiofrequency therapy combine suction or massage with light therapy for the temporary reduction of the appearance of cellulite; subcision which involves insertion of a needle beneath the skin to break up bands of fibrous connective tissue that separate the clusters of fat cells; retinol creams and other creams and methylxanthines creams (chemicals which break down fat); and carboxytherapy is a medical procedure in which carbon dioxide (CO2) gas is injected just beneath the skin.

However, these are not all the means people try to get rid of cellulite. Some try to tan, either by sunlight or artificial ultraviolet, to disguise the appearance of cellulite. Truly, this is redundant and a mere waste of resources which may worsen its appearance. In addition, ultraviolet light is a major risk factor for skin cancer. Other people try dramatic weight loss program. While living healthy is good, dramatic weight loss does not cut it as cellulite affects slender people and it may worsen its appearance.

In conclusion, it must be restated that cellulite is not a medical problem and does not have adverse health consequences. Most treatments are temporary if not continued on a regular basis as there is no permanent solution to getting rid of it. Going through expensive procedures constantly may make a dent in your finances which is why we advocate for the use of rosemary essential oil since it is a low-cost option compared to all the other procedures. Furthermore, although prevention of cellulite may not be possible, it is reasonable to pursue a healthy lifestyle. Getting plenty of rest, eating a well-rounded diet high in fruits, vegetables, nuts, and whole grains, along with a consistent exercise regimen will go a long way in controlling the appearance of cellulite. Maintaining hydration (drinking plenty of fluids) and smoking cessation may also make cellulite less noticeable.

doTERRA Oils  for Cellulite

Cellulite Massage Oil Blend

  • 20 drops rosemary.
  • 20 drops fennel.
  • 15 drops juniper.
  • 15 drops grapefruit.
  • 5 drops geranium.

Rosemary: Rosemary is a great all around oil that combats fluid retention and toxin buildup in the tissues. It’s also a great oil for memory improvement and reduces mental fatigue with its brain stimulant properties.

Fennel: Fennel has potent diuretic properties that help the body speed up the elimination of stored up waste materials and reduces the prevalence of water retention in the tissue. It’s properties also make it practical for breaking up the fatty deposits under the surface of the skin.

Juniper: Well known for it’s detoxifying and cleansing properties, juniper is highly regarded for reducing acne, fluid retention, and cellulite. It helps to clear and stimulate the mind as well. It’s an excellent tonic for the skin and joint pain/arthritis as well.

Grapefruit: Grapefruit is an uplifting oil that refreshes and eases a stressed-out mind and body. Grapefruit oil encourages the elimination of cellular toxins making it a great everyday oil for treating cellulite and fluid retention. A bonus of grapefruit oil is appetite reduction, as it can help to curb excess cravings and binge eating.

Geranium: Geranium is a great all around oil that is especially supportive of the skin. It also improves circulation and stimulates the lymphatic system, helping to diminish water retention and eliminate toxins. A simple way to use geranium for cellulite is to mix 6 drops of the oil with 1 tablespoon of coconut oil and firmly massage into the effected areas.

Directions: In a 5 ml glass bottle combine your essential oils and shake to blend

Ways to use your Cellulite Massage Oil Blend

Below are a few ways you can make use of your massage blend.

  • Dry brushing: Before taking a shower or bathing sprinkle 1-2 drops of your cellulite massage blend onto a natural-bristle body brush. Using small circular motions brush your limbs upwards the hear (stimulating and improving circulation)
  • In the bath: While filling your tub with warm water take a small non-reactive bowl and combine 1 tsp (5 mL) milk and 4-6 drops of your Cellulite Massage Oil. Add the mixture to the tub once it’s filled. Agitate and disperse the oils then soak for 30 minutes, massaging any floating droplets of oil into your skin. Important: wait until the bath is filled to add your oils. Don’t add under steaming, pouring water as the tub fills to avoid evaporation of the oils.
  • Massage: In a small non-reactive bowl combine 4 tsp (20 mL) of grapeseed or sweet almond oil and 10 drops of your Cellulite Massage Oil.

 

Find out more about doTERRA Oils HERE

After a breakup, any number of things can happen. If it’s bitter, you may never wish to see your ex again. If the chemistry fizzled, you could find a friendship blooming in its place. And if you’re blindsided by your partner calling it quits, you may be left fuming. But with time, even the nastiest splits can lead to friendship.

It’s not always smooth sailing, though, warns relationship coach Pauline Ryeland. When a couple splits, she says, individuals are often hurt and angry. “Egos are crushed and people respond in a reactive way which is never productive or conducive to moving forward.

Read More HERE

By Evelyn Lewin