5 Steps to Hormone Health and Weight Loss

Keywords:
breast,cancer,hormones,women,health,medical,hrt,ovarian,estrogen

Our hormone health effects our bodies in many ways but one specific way is an increase in weight. Hormonally challenged women gain weight around their middle between the armpits and the top of the thighs. Often their arms are normal, their legs are normal and from the neck up they look great! Hormonally challenged men gain weight around their waists and often are on their way to developing breasts!

Estrogen is produced in our fat cells. Estrogen increases fat cells. As a result more estrogen is produced and so on and so on.

Breaking the Estrogen cycle and then going on an excellent weight management program is exactly what needs to take place.

Step One Evaluate your hormones. Find out the ratio of estrogen to progesterone presently in your body. If out of balance, we call that estrogen dominance, then you will likely have or currently be gaining weight around your middle.

Step Two Begin an estrogen-lowering program. That will include of course increasing your progesterone levels with a bio-identical progesterone cream. But hormone balancing was never all about progesterone. Modulating and balancing estrogens if found to be out of balance to progesterone is equally important to your weight loss program.

An estrogen-lowering program will include:

- Increase your fiber intake. That happens two ways: 1. Eat as much as you can by choosing fruits, vegetables and whole grains as your high ?fiber carbohydrate choices and then add a fiber supplement (Fiber Source 7) to consume 30 to 50 grams of fiber daily.
- Increase the indoles (cruciferous vegetables like broccoli, cabbage, and cauliflower) in your diet. That also happens two ways: Eat as much as you can and supplement with an indole-3-carbinol supplement (EllagiGuard). Target 3 servings a day.

- Increase the essential fatty acids (EFA?s) in your diet. They are essential because the body does not make them. They help balance prostaglandin production in the body and thus help regulate estrogens.

- Increase your overall nutrition by taking extra vitamin C (Super C Crystals) and by taking a concentrated fruit and vegetable supplement (Fruit and Vegetable Essence).

Step Three Eat 40/30/30. Incorporate a new way of approaching meals purposing to eat Carbohydrates Proteins and Fats in a balanced way at each meal. When we eat balanced meals our weight will normalize, our energy levels will increase and our hormones will be in balance. More information is available in the book ?The Formula? by J & G Daoust.

Step Four Get Moving. Develop a great exercise program with the help of someone who knows what they are doing. Tailor a program especially for you - one that you can do and are willing to make a commitment to keep. Most of us need to think in terms of keeping our bodies moving and staying active for the rest of our lives. Couch potatoes rarely are healthy.

Step Five Celebrate!! Men and women whose hormones are out of balance feel unwell. Men and women who have balanced hormones feel well. Achieving hormone health will increase your overall health and wellness and assist you in losing weight. You will look younger and feel younger!

5 Super Simple Weight Loss Tips

Keywords:
weight loss, losing weight, dieting

Weight loss is one of those subjects that everyone is always talking about. It seems you can’t go anywhere without seeing or hearing some type of weight loss message. Stories of the dangers of not losing weight appear regularly on the nightly news. Retail outlets and the Internet both are full of weight loss books and products. Weight loss is discussed in medical centers and at schools and even in the work place. If you’re trying to lose weight, here are a few tips to get you going.

Tip #1 – Stop Talking About Weight Loss!

All that talk about how much you want to lose weight isn’t going to make the weight come off. You’ve got to take action, starting right now. So take this simple advice: Stop moving your mouth and start moving your body! It won’t take long to begin seeing the results.

Tip #2 – Slow and Steady is Best

Slow and steady weight loss is better (and safer) than riding the dieting roller coaster. If you’re looking for long-lasting weight loss results, aim to lose an average of about two pounds each week. In order to lose weight you’ve got to consume fewer calories than you burn. As a bonus, when you combine dieting with exercise, you’ll be reducing your caloric intake and increasing your caloric burn rate at the same time.

Tip #3 – Save Your Money

Don’t spend your hard-earned money on the latest weight loss gimmicks. Pills, fad diets, hypnosis, and extreme surgical procedures are not the answer! These gimmicks won’t slim you down, but they will fatten the bank accounts of those who promote them! Eating a nutritionally-balanced diet of fruits, vegetables, good fats and lean proteins will encourage weight loss faster than any miracle cure you can buy.

Tip #4 – Weight Loss is a Way of Life

Unfortunately, the issue of weight is something that most people will struggle with throughout life. Excess processed foods and a sedentary lifestyle are the two biggest contributors to this constant struggle. If you want to lose weight and keep it off, you’ve got to change the way you think about food. It should be thought of as a source of fuel, not a passion. Successful weight loss really is about making lifestyle changes, including making the right food choices, and then sticking with those choices throughout life.

Tip #5 – Weight Loss is More Than a Number

When you’re dieting, don’t become a victim of the dreaded scale. When the numbers go down, happiness goes up. But when the numbers stay the same or go up, it is easy to give up and give in. Remember that even if your weight isn’t changing as you would like, your body is. You’ll be taking better care of your heart. You’ll be lowering your cholesterol levels. You’ll be sporting a leaner body and your clothes will begin fitting more comfortably. When you learn to find joy in these other benefits, you’ll want to keep on being a loser!

6 Steps to Ending Bad Eating Habits

Keywords:
weight loss, nlp, well formed outcome, losing weight, dieting

A client wrote, "Help me! I thought I was finally getting a handle on my weight issue but the sugar is killing me. I had an awful day. I won't even tell you what I ate today because it is just so unbelievable. All I will say is that 90% of my food today consisted of sugar! I really, really need some help getting past these cravings. I am no doubt a sugar addict. If I could get past this there is no doubt that I will reach my goal."

If you see a little of yourself in this message, you're not alone. Many describe themselves as sugar addicts. They believe if it were only for that one thing, then they could reach their weight loss goals. If you believe only one thing stands in your way of losing weight, consider this: What if that one thing (an addiction to sugar for instance) were gone? Do you really believe, "If I could get past this, there is no doubt that I will reach my goal," or is it an easy excuse to stay stuck?

If I told you I could show you a way to stop craving sugar, would you want me to show you how?

Think about that for a moment. Close your eyes and really think it through. You've said if only you didn't crave sugar, then you could lose weight, but is that really true for you? Ask yourself these questions:

Would you eat differently, and if so how?

Would you act differently, and if so how?

What else would change, and what would stay the same?

What would you lose?

What would you gain?

Until you know what you want, know you can achieve it, and know what else will change (i.e. how your life may be different), you can't discover any obstacles that first must be considered. For instance, you may want to stop eating anything after 7 PM yet your husband doesn't come home from work until 8 and he wants you to join him for dinner. That's an obstacle.

If you've got a habit of watching your favorite TV show with a bowl of ice cream, then breaking that habit is another obstacle.

If you don't work out ways to overcome your obstacles perhaps through discussion and compromise with your husband, or habit breaking exercises for your ice cream habit, there's bound to be a problem. Just saying you're not going to do something any mroe rarely works. Instead determine what might stand in the way of achieving your goals, find a way around them, and you're much more likely to actually achieve those goals once and for all.

The statement, "if this one thing were handled, then everything else would fall into place" is an "If Then" statement and gets people into trouble. They want a fairy godmother to make it all better. A strong belief that one single thing such as, "eating sugar is my problem," sets you up to fail, especially if you really like eating sugary foods.

Getting a handle on your cravings is not an all-or-nothing proposition. You must leave room for occasional deviations. It's not the occasional side trip that causes weight trouble, it's the road we usually travel.

In NLP (Neuro Linguistic Programming) a good starting point is the exercise called Establishing a Well Formed Outcome. "Well formed" means it meets all criteria of a well thought-out end result.

NLP: How to Create a Well Formed Outcome & Get What You Want

Here are the steps to creating a well formed outcome:

1) State what you want (not what you do not want). "I want to weigh 135 pounds."

2) Determine whether you can achieve it (do you believe it is possible?).

3) What resources do you have and what do you need (time, money, gear, clothes, equipment, coaching, whatever).

4) Check whether anyone else is involved and any potential obstacles that may come up regarding others. Think of everyone involved in your day-to-day life.

5) Picture yourself "as if" you've obtained what you say you want and see if that picture fits. Do you like what you see?

6) Put together a plan of action for the achievement of your outcome.

While it may seem like a lot of effort simply to decide what you really want, going through these steps at the beginning helps you find potential obstacles which previously stopped you from moving forward. For example, if you decide you want to join a gym and start exercising every day but you've forgotten you don't even own a car and just lost your job, that exercise plan might not work out right now. If you did join a gym, you'd end up not going and then you'd think you'd failed, yet it was the plan that failed, not you. You didn't think it through.

A better plan in this instance may be doing exercises at home, or within walking distance (or simply walking for exercise). Later, when you do have transportation, you can rethink the plan and perhaps join a gym then. There are always options.

It's better to look at what you want from every angle, then put together a plan you know can and will work. Then when you know what you want, you'll also know you can make it happen and begin by taking that first step toward making it a reality.

"Achieving a Well Formed Outcome" is one of the sessions in the Ending Emotional Eating 8-Week Workshop. You can also find more information on this popular and well known NLP process by searching for "NLP Well Formed Outcome" in your favorite search engine.

5 Tips for Losing Five Pounds a Week!

Keywords:
weight loss, lose weight, fat burning, diet

You desperately want to lose weight, but you’ve tried so many different diets and failed over the years that you’ve grown discouraged.

Let’s face it, most diets aren’t easy to maintain -- they’re designed to get weight off … not for your personal convenience. And once you go off the diet, the weight comes right back, along with a bit more. Thus, you end up worse off than before.

No matter what diet you try – from the cabbage soup diet to the Master Cleanser to low-fat diets such as the Atkins Diet – one of two things usually happens:

• You lose some weight – along with your sanity as life becomes an unbearable drudge of boring food and not enough of it.

• You don’t lose weight because you just cannot stick to that diet.

In either case, you feel bad … discouraged … maybe even like a failure. But, take heart, losing weight is possible. In fact, here are five simple yet sound tips that when followed could easily enable you to lose five pounds, or more, a week!

Tip #1 – Cut the Carbs! Cutting down on your carbohydrate intake, particularly white carbs (that is, carbs from white bread, potatoes, etc.) and instead eating more high quality lean proteins (such as chicken and fish) is a great way to drop a few pounds quickly. But don’t cut carbs completely! You should still eat fibrous carbs, such as berries, spinach and apples.

Tip #2 – Stop Eating Processed Foods! Instead eat more fruits, vegetables and whole grains. Often, people who are used to eating a lot of junk food will discover they can actually a higher quantity of delicious fruits, vegetables and whole grains without gaining any weight.

Tip #3 – Cut Down on Your Sugar Intake! In particular, watch how many sodas or juice drinks you consume. The sugar in these beverages can add up quickly and these drinks aren't filling. You should also watch out for "fat-free" products. Sugar is often used to replace the flavor that is lost when the fat is removed. You will also want to be careful about how much sugar you add to coffee and tea.

Tip #4 – Drink More Water! Water naturally helps to suppress your appetite and drinking at least 8 glasses of water a day will help you lose weight and burn fat. On the other hand, if you don't drink enough water every day, your body may store water and fat that you don't need. To determine how much water you should drink: multiply your bodyweight by .66 to get the required number of ounces per day.

Tip #5 – Exercise More Often! The healthiest way to lose weight is to exercise. Someone who increases the amount they exercise, but maintains the same diet and calorie intake, will almost certainly lose weight. Plus, excessive sweating from cardio activity, such as running, walking and using aerobic gym equipment, will help you de-bloat and lose inches and pounds quickly.

But a word of caution, if you haven’t exercised in a while be sure to check with your physician first and also be sure to start any exercise program slowly.

6 Week Body Makeover Program To Help You Lose Weight

For those who need to shed a few pounds, and others who have a long way to go before their diet goals can be achieved, the infomercial titled "6 Week Body Makeover" is a must watch.

The 6 Week Body Makeover is built on the theory that each person has a unique shape that defines his or her body in its natural state as it was meant to be.

The assertion that each individual person has a unique metabolism that is specific to his or her body type is another cardinal principle of the 6 week body makeover.

The program is a highly motivational one and centers on a basic idea of individuality.
And it will help you create a diet that is customized to your body shape or metabolism.

Other advantages of the 6 week body makeover includes the development of a unique metabolic system that will enable you burn more weight than in the case of a normal diet.

No doubt, the people behind the 6 week body makeover seem to have to have found an interesting and innovative concept, because studies show many find the program appealing and exciting, due to its focus on individuals.

Just some few steps are required to kick-start your own personalized program. The first one is to identify the right program that would allow you to lose weight in a short time.

The 6 week body makeover helps you out with its lucid instructions on how to fill out a questionnaire that helps pinpoint your specific metabolism type.

After the initial step, the next hurdle is the matching of your shape and general body size to the sample drawings.

If you can match the drawing that best depicts your body shape and size, then you have determined your specific problem areas.

Both your metabolism type, as defined by the questionnaire, and your problem areas as defined by the shape and size drawing are combined together. And it is from this the 6 week body makeover is developed.

The program includes plans where meals are designed to help you feel energized and healthy and a simple body-sculpting workout program that targets your problem areas.

This exciting 6 Week Body Makeover concept still carries the same basic principle of successful weight loss programs.

Whose basic focus is on proper diet and nutrition as well as regular exercise.

We may not really need a program to figure this out, but a program like the 6 Week Body Makeover may push some of us in the right direction.

7,389,432 Weight Loss Tips Guaranteed To Help You Lose Weight!

Keywords:
weight loss, diet, health, fitness, weight loss products, diet aids

A week or so ago, I was in the check-out line at the supermarket and saw a blurb on the cover of a magazine. The headline read: "Breakthrough! FAT LOSS VITAMIN!", and the text beneath it said, "95% of us don't get enough. Safely boost your intake and:

*Lose 5 lbs a week!

*Burn 30% more fat every day!

The magazine was Woman's World.

Being in the business of health, fitness, diet and weight loss, this claim intrigued me so I threw a copy of the magazine in the buggy, and read the article when I got home.

Very briefly, here's what the article had to say: Most people don't get enough Vitamin C, and Vitamin C can help your body burn more fat.

Now, this was interesting, and since I believe most people don't get the nutrients they need, I was willing to go along with the idea of increasing your normal intake of Vitamin C, either by increasing the amount of things such as orange juice, which is good for you anyway and it contains a lot of Vitamin C, or by use of Vitamin C supplements.

The information in the article made sense, and, when I did a little independent online investigation, I found that apparently the article was reasonably accurate. I don't have a particular problem with the information in this article, and agree that increasing Vitamin C could help someone lose weight.

This brings us to the slightly exaggerated title of this article.

Everyday, it seems we are bombarded with all these claims about weight loss, fat loss, diets and health. One person says their pill will deal with cortisol, which is the cause of weight gain. Another says their diet will "melt" the fat. Someone else wants to hypnotize you, and that will do the trick. The covers of many other magazines at the checkout on the day I bought my magazine had different tips, hints, diets, and weight loss solutions.

All these people can't be telling the truth, can they?

Is weight gain the result of cortisol, poor diet, lack of exercise, not enough Vitamin C, lack of sleep, stress, too much beer, or just bad genes?

Actually, the answer to both questions is, "Yes...sort of..."

The actual biological process by which people get fat is known. The solution is also known, and it doesn't have much to do with Vitamin C, cortisol, genes, or a lot of other things...directly.

A runner who wishes to run faster gets there by training at running and trying to run faster. However, that runner can also strengthen his or her legs by using weight training. They can improve their performance, or perhaps reach their goal faster, by eating a certain type of diet...maybe even making changes in that diet at different points of their training or competition schedule. If stress is inhibiting their performance, learning to meditate might help them put that stress behind them or at least relieve it enough so that their times improve. If their home life or work schedule is such that it interferes with their training, rest, or nutrition schedules, then making a change in those areas may improve their athletic performance.

Even so, the main thing in their running training is...running! Everything else just helps with the speed of development or the amount of progress that is ultimately made.

The same thing applies to most weight loss situations and so-called solutions. Increasing physical activity and eating reasonably are the two major things that bring about healthy, permanent weight loss. If, in your exercise program, you choose to supplement with Vitamin C, or get more sleep, or take something which reduces the effects of cortisol, or quit your job because it interferes with your weight loss program, then you will probably enhance the results. You will lose more weight over time, lose the weight a bit faster, or just find the whole process easier. However, the major portion of the weight loss (and improved health and enjoyment of life), comes from the basics of exercise and nutrition.

So what about the people who DID lose weight by breathing properly, or taking Vitamin C, or adding Chocolate to their diet?

People are all different, and so are the facts and factors of their lifestyles, education, upbringing, and genetic makeup. Someone who is one dress size bigger than she wants to be may get all the weight loss she needs from increasing HER Vitamin C intake. That does NOT mean that every woman will experience the SAME results. Another woman may need to lose a lot more than one dress size, and taking Vitamin C, while it might help her shed a few pounds and be more healthy overall, will probably NOT produce anywhere near the total results she hopes to achieve. If, however, she IS doing the right things to bring about weight loss, adding the Vitamin C may speed the process a bit and help get her to her goal a little faster,

Just as in the title of this article, the key word in all these claims is "help" whether it is stated or merely implied. True healthy, permanent weight loss will be the result of a combination of activity and nutrition. All the other things, which may certainly be of value, are just helping.

7 Calorie Burning Tips

Keywords:
weight loss, kids, children, fat, diet, food, exercise, fitness, health

These are just a few habits you can embrace to start revving your metabolism right away. You may have heard stories about people who have lost dozens of pounds simply switching to diet soda or walking a few minutes each day. These are all small habits that contribute to a big difference and increase your metabolism over time. You will make weight loss quicker and easier by increasing your metabolic rate and burning more calories.

1) Move More

Sedentary people burn about one-third less calories per day. By simply taking every opportunity to move can make quite a dramatic difference to the amount of calories you burn in one day. Small movements will add up over time to lots of calories. The trick is to keep moving throughout your day. Write the word ‘move’ on post-it notes and put them in places you’ll notice them when you’re sitting still. Then, take every opportunity to move – here’s some ideas for burning extra calories:

Tap your feet
Swing your legs
Stand up and stretch
Move your head from side to side
Change position
Wriggle and fidget
Pace up and down
Use the restroom upstairs
Park in the furthest corner of the parking lot
Stand up when you’re on the phone and step from side to side
Clench and release your muscles

2) Eat Little and Often

Evidence suggests that eating small meals every 2-4 hours will keep your metabolism burning faster than larger, less frequent meals. When you eat small amounts often your body is constantly working to digest and absorb food which requires energy.

3) Eat Fat

If you want feel good and keep the fat off you need to first put it in. Fat not only tastes good our bodies need it to work efficiently. By consuming several servings of ‘healthy’ fats every day you will actually increase your calorie burning potential. Try incorporating fats like Flaxseed oil, hempseed oil, olive oil, avocados, salmon, albacore tuna, nuts and seeds into your diet daily.

4) Drink Cold Water

Evidence shows that your body might expend more calories trying to raise cold water to the temperature of your body then hot beverages. And overall being well hydrated will help your body’s metabolic processes burn quicker.

5) Exercise With Weights

Training with weights boosts your metabolism in a number of ways. By lifting weights you will build muscle tissue. And muscle tissue is metabolically active, so it requires calories even when at rest and so it helps to increase fat-burning enzymes in your body.


6) Spice up

Eating hot spices might speed up your metabolism. Just half a teaspoon of cinnamon per day can help boost metabolism and keep blood sugar levels in check. Can’t stand the thought of cinnamon in your morning cup of coffee? Spice up with cayenne, crushed red pepper or wasabi.

7) Eat More Protein

Protein requires a more complex chemical breakdown by your body in order to be digested and used as fuel. For example, 100 calories of protein may take up to 30 calories to process. Protein also takes longer to digest and helps to stabilize blood sugar for longer periods of time and this can help you to not overeat later in the day. Eat a portion of protein at every meal and as part of your snacks and you will increase the total number of calories you burn each day.

7 Easy Steps To Healthy Weight Loss

Today more than ever there is so much information out there on losing weight that is has become very confusing and sometimes difficult to follow. It’s actually very easy to lose weight if you follow my 7 principles.

1. - Before you can start any diet program you need to be in the right frame of mind. If you do not feel good about yourself you probably will not want to choose healthy foods. You cannot expect the act of going on a diet to make you feel better about yourself. The only way you can choose to eat a healthy diet to lose weight is if you have a positive self-image.

2. - Learn more about who your ancestors were. If you eat more like your ancestors you will be eating food that is better for your body. You will likely lose weight, have more energy and feel great. It has been shown when a group of people stop eating the food that was indigenous to them they start gaining weight and having health problems.

3. - Eat whole foods that are as natural as possible. When you eat whole foods that are full of nutrients your body will know how much to eat and how much not to eat. You do not have to count calories because your body is a wonderful machine. If given the right nutrients you will be at the best weight for you, have plenty of energy and feel great. Eating highly processed empty calorie foods will cause your body to always be hungry because it’s trying to get the nutrients it needs.

4. - Drink the best weight loss supplement known to man, water. Most people do not know the difference from being hungry for food or thirsty for water. A great deal of times people eat when they should drink. Most likely you will not feel as hungry if you are getting enough water. You will be satisfying the thirst, which is confused for hunger. Water also helps you digest food better. Drinking water before you eat will help fill you up.

5. – Always chew your food well. Chewing your food well will ensure that you get the most nutrients out of your food. Getting the most nutrients will satisfy your body therefore you will eat less. Another benefit of chewing well is that it helps aid in digestion.

6. - Eat small, frequent meals in a day. Large meals tax your digestion system, making it work harder. Taking too much time in between meals makes you hungrier for the next meal.

7. - Increase your physical activity. Most people are over weight because of a lack of physical activity. Start walking more, bicycling, walk your dog for longer periods of time, swim, dance and leave the car at home when you can. It’s important that you choose a physical activity that you enjoy because you’ll stick with it. Choosing a physical activity purely based on the fact that it burns a lot of calories may be a mistake.

7 Killer Ways To Maximize Your Fat Burning In The Gym

Keywords:
fat burning,fat burn,fat loss

Hey, we all want to shed some pounds and get back to the body that we had when we were younger and didn’t appreciate it but it takes discipline, planning, and dedication to make that happen. All too often people shed 10 or 15 pounds and then seem to stop losing weight. There is definitely a reason this happens and it should not be seen as failure or an excuse to give up on your weight loss goals. Here are 7 absolutely killer ways to maximize your fat burning routine and help ensure success with your weight loss goals.

1) Anaerobic Exercise

If you think you can just run laps or pedal that fat away, think again. Muscle tissue is what burns the most calories in our bodies and you need to life weights in order to create bigger muscles that will burn more calories. Now although aerobic exercises such as cycling or swimming are also necessary, the fact remains that building bigger muscles is the best way to lose weight and keep it off. This is because you are creating a more efficient calorie burning machine by lifting weights which will ensure you success with your weight loss goals.

2) Warm-up and Cool Down

Warming up before exercising and taking the time to cool down afterwards with some light exercises are not generally seen as essential to a fat burning program. However, the reason why a lot of people tend to give up on their weight loss goals is because they failed to see the progress they hoped for when they began. An injury, even one that only lasts for a few days, can set your weight loss goals back by weeks and lead to a loss of stimulation. You need to plan an extra twenty minutes into your weight lifting routine for these two essential activities or you risk injury and derailing your weight loss plan.

3) Diet, Diet, Diet

This should not be a killer way to maximize your weight loss goals but it is. The reason for this is because people tend to think of losing weight in two ways: diet, or exercise. Hey, these two go hand in hand and you are never going to maximize your fat burning routine in the gym unless you take care of your body outside of the gym. Stop thinking of meals in terms of three: instead, think 5 meals with smaller portions. The FDA recently developed a new food pyramid with this very idea in mind and you should check it out before starting your fat burning program because it can save you a lot of time and energy if you get the diet part figured out before even stepping into the gym.

4) Plan Workouts

The body is the most complex machine on the planet and you can’t just hope to step into a gym and jump on a machine or some weights and think that you are going to see the results you want without knowing how they affect your body. The ideal exercise routine is done only 3 or 4 times per week and only for 30-45 minutes at a time. You cannot work your body more than this because it will actually cause your muscles to break down which means you will be burning fewer calories, and therefore, not maximizing your fat burning routine in the gym. If you have any doubts about what kind of routine is ideal for your goals, don’t be afraid to consult an physical trainer to help you set up a program that is best suited for you.

5) Nutritional Supplements

If you really want to maximize your fat burning routine in the gym, then you need to consider using nutritional supplements. Now I am not talking about those crazy supplements that promise to burn fat for you while you sit and watch tv! I am talking about essential fatty acids, amino acids, whey protein….things that will truly maximize your workouts that you can’t always expect to get in the foods you eat every day. Again, consult a physical trainer if you want to know which supplements are best for your weight loss goals.

6) Set Weekly Goals

I know that this just seems terribly obvious but the truth is that most people are not thrilled with the idea of working out so it is easy for them to skip a session or indulge in some pizza and think that they will make up for it next time. Listen, next time never comes and when you stop seeing the scales go down, the motivation just seems to stop. By setting weekly goals, you can track your progress and make it that much more likely that you will adhere to the goals when you see things are not going as expected.

7) No More Late Night Snacks

This one may not seem to make sense, but I assure you that it will help maximize your fat burning exercises. The reason is your metabolism. When you eat right before you go to bed, it throws your body off and you probably notice that you awaken and don’t feel hungry. Then, you skip breakfast entirely or only snack on a bagel or something on you way into work.

The result: the body goes into conservation mode. This means that it slows down your metabolism and that means you are burning less calories throughout the day. Plus, it increases the likelihood of snacking and basically just sets the scene for a bad cycle. Eating five smaller portioned meals per day also has to do with your metabolism as it has been found that metabolism remains highest when there is a consistent supply of food in the body. You might not believe that late night snacking affects the way your body burns fat when working out, but it does.

Now some of the things listed above are obvious while some just seem silly. And yet, taken together and consistently adhered to, these 7 little ideas will maximize your fat burning in the gym and get you to that body you can see in your mind but not the mirror far quicker than if you just go about things in a disorganized and inconsistent manner.

7 Surefire Ways To Shed 7 Pounds In 14 Days

Keywords:
low glycemic index diet, low gi diet

The search for ways to speed up your weight loss is over. With these seven tips, you can be seven pounds lighter in the next two weeks. Be ready to make some changes, but your thinner self will thank you.

Make water your best friend

While it should come as no surprise that water is your best weapon in weight loss, some still haven’t caught on. By increasing your water consumption to six to eight glasses a day, you will help you body flush out toxins that are impeding the weight that you want to lose.

Water helps to speed digestion as well as many other processes in your body. And if your body is running more smoothly, then you can burn more calories along the way.

A new appetizer

If you’re looking to cut back on the foods that you’re eating, here’s a trick that works for anyone. Start your lunches and dinners off with a small cup of soup. Of course, the soup shouldn’t be cream based; a broth will work very well.

The warm soup will help to make your stomach feel fuller so that you eat less at the meal that follows. This is also a good trick if you are going out to eat. Have that bowl of soup before you go to curb your temptation for larger portions.

Take away the salt

A lot of the extra weight people carry is due to a large intake of salt. Salt can be found in many of the things that we consider healthy—frozen lunches, canned soups, and condiments.

Take some time over the next two weeks to look at the labels of the things that you eat to see how much salt (as sodium) are in the foods that you have been eating. Avoiding prepackaged foods is the best way to remove the salt from your diet.

Take away the sugars

While we don’t want to admit it, sugar is keeping us overweight and unhappy. And sugar isn’t just a candy bar or a milkshake, it’s also in the white breads and pastas that we love.

But if you want to lose weight, it’s time to find better ways of eating. This can include switching to brown rice and whole wheat bread. And of course, limiting your sugary snacks to once in a great while.

Get moving

When you’re trying to lose weight, you need to start exercising. If you haven’t exercised before, you’re in luck. Studies have shown that you can walk just a few times a week and burn the calories that you want to burn.

Thirty minutes a day is the best way to lose seven pounds in two weeks, but if you don’t have that much time, try to split it up over the course of the day—say ten minutes three times a day, or just try to fit in three good thirty minute walks a week.

Slow down

One of the main things that trigger overeating is not taking time for your self. When you’re trying to lose weight, it’s essential that you set aside a little time each day for you and you alone. By giving yourself some quiet time, you’ll be able to slow down and remember that you’re worth the extra effort that you’re putting in to lose weight.

Just like mom said

And don’t forget about your fruits and veggies. Though fruits do contain sugar, they also contain fewer calories than your traditional sugary snacks.

If you really want to jumpstart some weight loss, eat steamed vegetables at every meal. Not only do they have a slightly diuretic effect (makes you lose water weight), but they also energize your body to keep making great choices.

When you want to lose weight, you need help, but with these tips, you have everything you need.

5 Tips For Successful Trading

Keywords:
trading, stock trading, option trading

There are lots of people who aspire to become profitable traders in today’s market environment. Many people who come to trade stocks, options, and other securities are attracted to the potential of making a lot of money but, often, aren’t aware of what it takes to be able to make money consistently, position yourself to make windfall profits, and all the while doing this while protecting your account from excessive and/or unnecessary losses.

The good news is that there is a wealth of resources to help you but the bad news is that often a beginning trader doesn’t know where to start. It is the focus of this article to give you direction on what areas to focus your efforts into in order to improve and trade successfully.

The first step is to focus on is learning the language of the industry. Learn what a stop limit order is or what a “handle” means and how they relate to your trading. If you run into a term that you don’t understand, just “google” it, then study the meaning. It is extremely hard for you to know what an article is saying or a veteran trader is talking about if you don’t know the basic terms of stock orders, option definitions, or how the futures market works if you ever hope to trade them.

The second step is to learn is how to read price action. Price action is basically the language of a stock or a given market. It tells you what the stock or market has done and is likely to do again. Know how to read trends on a chart. Is the stock in a long term bullish trend? Are oil prices in an intermediate bear market? Is there evidence of a possible trend change in oil futures from an intermediate bear market to a long term bull market? Learn how to read price action and it will make you rich.

The third step to successful trading is learning how to control your risk. Almost every successful trader that has survived long term and made money long term knows how to control his risk to the markets. I personally know a professional hedge fund manager that was short the German mark when the Berlin Wall came down but survived to make record returns on his funds that year. The same trader was long the Dow futures when the 9-11 terrorist attacks happened and went on to beat the returns on the S&P 500 that year. I was personally long a lot of oil and refinery stocks when Hurricane Rita hit Texas but I still made money as those stocks plummeted because I know how to manage my trades. Learn how to assess and control risk and you will increase your odds in becoming a master trader.

The fourth step is having an “edge” when you trade. An edge in trading is anything that gives you an advantage in trading. The more edges you can have, the better chances you have to make outstanding profits. An edge can be superior chart reading skills, successful stock selection, money management, etc. I know of a very famous and successful stock trader that use the 3 edges I just wrote to take an $11,000 stock account and made $48,000,000 in 23 months! He has been interviewed in almost all major financial publications and has set a world record in the greatest returns in the briefest time category. Study the great traders and you will get a glimpse of the edges they use to become trading legends.

The fifth step is having mental discipline and emotional balance. Most of trading is mental. You can give two traders the same exact trading system for stocks, futures, or options but, invariably, they will end up with different results. Why? There mental and emotional states may not support them in being successful with system they were given. One trader may experience nervousness and anxiety which causes him to exit his trades to early, hesitate in taking entry signals, or taking profits too early and missing the big moves. The other trader may have the discipline and control to take each trade as it comes with no other focus other than to follow the system as it should knowing that the losses he may experience are just part of the game and that he will make his greatest profits over time using this system. In my opinion, learn how to use your mental discipline and emotional control to support you in becoming a successful trader and not work against you.

These five steps that have been outlined will go a long way in helping you become more skillful and profitable. In time, you may want to come back and begin with the “basics” of this lesson to keep your focus and help you stay on the path of being the best trader that you can be.

Good trading.

5 Ways To Save Money On Your Car’s Gasoline

Keywords:
car, cars, used, auto, autos, automotive, gas, gasoline, price, value, save, vehicle, vehicles

With gasoline prices steadily on the rise, many commuters are finding it more and more difficult to justify spending their hard earned money on the high cost of fuel rather than other necessities, including food and electricity. With that in mind, there are five simple steps that you can take to help stretch your dollar a little bit farther when it comes to your car’s fuel consumption.

Carpool. If you have children who are in school, consider sharing the driving responsibility with other mothers that live nearby. This is especially helpful if you can alternate days. Perhaps you would drive the children on Monday and Wednesday, while the other women fill in on the rest of the weekdays. This will save you money on gasoline and will also make the children’s ride to school a lot of fun because they will be riding with friends. The same is true of commuters on their way to work, who can share in the responsibility and costs of driving amongst one another.

Buy a smaller car. If you own an SUV or other large vehicle, your gas mileage per gallon will be less than if you were to own a smaller car. As a general rule, larger vehicles just normally use more gasoline. If you want to save money on the cost of fuel, buying a smaller car is a good start.

Purchase a hybrid car. These cars are fairly new on the market and are still quite expensive, but many find the benefits outweigh the high cost when they figure in their savings on fuel. Hybrid cars usually get better gas mileage per gallon and this results in big savings for the owner.

Turn off the ignition. If you are stuck in traffic that is moving about an inch per minute, then just put the car in park and turn the ignition off. While sitting in traffic, you are just using more and more gasoline and aren’t really getting anywhere. Rather than waste, try to save money by not leaving your car running in parking lots or your driveway. If you need to stop by the store and will just be gone for a minute, take the time to turn the ignition off. In addition to saving on gasoline, you will be ensuring that your car isn’t stolen by turning off the ignition and taking your keys inside the store with you. Many people would be surprised to know how many shoppers actually leave their car running while in the store.

Walk. If you live near a store, walk instead of driving. This will save not only in the price of your car’s gasoline, but also in the general everyday wear and tear that your car receives by being out on the road. No to mention, walking is good exercise and is generally safe for most people. So why not walk off some of those pesky winter pounds and save some money on gasoline in the process.

The aforementioned ways are five of the most popular to help you save some extra money where fuel is concerned. Some of the more obvious ways are to stock up when gasoline is decreasing in price. If you get $10 or $15 worth of gasoline every few days, you may get a good price one day and a terrible cost per gallon during the next trip. However, if you fill up your car’s gasoline tank while prices are still low, you will be sure to get the best deal possible. Not only that, but you may also end up saving some time at the gas pump when all of the other consumers are waiting in line to fill up before the prices go even higher.

6 Questions to Ask When Choosing a Home Equity Loan

Keywords:
finance, loan, dept, home, consolidation

So you need some money for unexpected expenses. The roof took on a leak, the deck rotted through and a new family addition tightened living space. You bought too much Christmas on credit now the bills are overwhelming. Junior got accepted to that Ivy League school. Tapping into your home equity can help ease your financial burden. Before deciding on borrowing ask yourself a few questions first.

1. Do I need a home equity loan or a home equity line of credit?
If interest rates are low, a loan is a smarter choice. You can borrow the full amount at once ant get a fixed rate on the entire amount. The advantage allows you to know how much to budget for monthly payments.

On the other hand, a line of credit will let you borrow from a revolving line of credit with variable interest rates. You access the money just like a checking account by writing a check for the purchase. Then the amount used is paid back. If the rates fluctuate, your payments will also.

2. Are there restrictions on how I use the borrowed money?

Most loans and lines of credit can be used for a variety of things. Whether you want to consolidate all your debts into one, do some home improvements or pay for college tuition, an equity loan or line of credit can be the answer.

Be sure to ask yourself if you can afford the extra payments. Is your budget flexible enough? Will adding another payment won’t over-extend a tight budget?

3. How do I find the best interest rate?

Your best bet to determine the variety of interest rates offered by financial services companies is to shop around. Ask questions. Try to find a company your comfortable doing business with. Look for ones that don’t charge application fees. Ask about charging a penalty for early payoff.

4. What is the term of the loan? Is it better to get a 5- 10- or 15 year term?

You’ll want to determine what your financial future strategy is when deciding on the term of the loan. If you’re planning to retire soon, you may want to ask for a shorter term. The longer your loan terms, the lower your monthly payments.

5. Are there any tax advantages to borrowing with a home equity loan?

There are many good tax advantages to home equity loans and lines of credit. The interest is tax deductible on your federal income tax. Be sure to consult your tax advisor before applying for a loan to be certain of the deductions.

6. Is the loan application lengthy and how long before I get an answer?

More and more lenders are allowing consumers to apply for loans over the phone or on the Internet. It can take as little as 10 minutes for the application process. And many pre-approvals can be delivered in a few hours. Final approval often takes any where from 5 – 10 days while evaluating your house is taking place. Often the entire process can be completed without leaving your home with final documents and checks being sent through the mail.

Tapping into your home equity to ease financial burdens can be a good idea. Do your homework. Shop around. Set up your budget. Use the money for what you need.

7 Great Money Tips To Lead You To Financial Freedom

Keywords:
wealth, saving, money, credit, credit card, debt, real estate, investing, 401k, insurance

Regardless of where we are in life we can all learn something about money and how to better prepare for our future. Especially when we see that the national average is $10,000 in credit card debt and that savings and preparedness is dropping. This article can put you back on track to a more fulfilling and financially free life.

1) Automate your investing. Experience has proven that if we have to make a conscious effort every time we need to invest we will start with good intentions and then miserably fail a few months later. If you can automate your savings, whether by using your employers 401k, a sep (self employment plan), or direct deductions from your account you will finish ahead. The rule here is if you don't see it, you won't realize it and you won't miss it. Some of these deductions will reduce your taxable income and save you further on taxes (see your CPA and tax advisor for more info on this). A good rule of thumb is to set aside 10% of your income.

2) Real estate. If you haven't already, buy a house. Renting will only make your landlord (hint - house owner) rich. Regardless of what the immediate market does real estate is one of the best long term investments you can make. It also has many advantages including deductions for mortgage interest. Real estate will always go up. People will always need a roof over their head. Just watch HGTV, real estate has made many millionaires and is a key factor in almost every tape and book series on gaining wealth. Stick with the standard 30 year fixed mortgage.

3) Medical and life insurance. You need to have them, if you think you don't just ask anyone that didn't have it when something unexpected happened. If you love your family, they are a must. But, on that note, don't get taken. Buy term life. 20 years will give good term coverage and if you follow all of these tips you won't need anything beyond that. Whole life only makes your agent rich and really never builds any value for the huge costs involved. Term life can be purchased cheap over the internet at great savings. For medical insurance, in most states Blue Cross and Blue Shield offer great plans that are a fraction of Cobra or employer plans. If you have an adequate employer plan, by all means use it. Stick with big names like Blue Cross as they will be around for years.

4) Don't ever buy new cars. It is a fact that new cars lose 25-30% of their value the moment you drive it off the lot. Let someone else pay for that depreciation and get a two or three year old car or truck. With the latest technological advances cars can easily go 150,000 miles and above. A two or three year old vehicle with 30,000 miles on it will save you not only in initial cost, but also on your insurance, and taxes. Also do your homework before buying your car. Get your credit score and see what loans you qualify for. This can easily be done right off the internet and will save you big at your local dealer (never take a dealers word for your credit and rate - they will hold 1-3 points on rate and that can mean thousands in extra interest over the term of the loan).

5) Get out of debt. I put the investment tips above this as you need to pay yourself first. If you are overwhelmed with debt, their are numerous non-for-profit agencies that will renegotiate your debt and terms on your behalf. Work out a plan to get the high interest debt paid off. Be wiser with your purchases - do you really need that 60 inch flat screen tv? a BMW you cannot afford? etc... Cut up all cards but 1 (for emergencies you should have 1 credit card) and no store cards. The whole purpose behiind store cards is to entice you to buy more and pay more. My grandfather said it best - "if you can't afford it, don't buy it." The only good loan to have is a mortgage.

6) Never burn bridges. If you happen to leave your current employ, leave on good terms. Find a replacement if time permits. This will put you in a good light with your former management and can result in a good reference, another job, a callback for more money, etc... Never leave on bad terms. Its just not good Kharma. Also, it won't hurt to take former business associates and customers to lunch regularly. This will keep you in tune to the industry, give you many additional contacts afford you future favors - just think of the lobbyists on Capital Hill, you don't think they spend all that money on their politicians for nothing do you? Don't be afraid to ask for a favor every once in a while. Kharma is the big rule here -when you help others you will inadvertently help yourself.

7) Give back. Once you've made it it is only fair that you help others less fortunate than yourself. Regardless of your beliefs when you donate time and money to help others you will inadvertently help yourself. You will feel great. Also, the cardinal rule of kharma is that when you give you will get many more times what you give back. Take the time to help by volunteering your time. Even if it is 1 hour a week, you will help improve someone else's life. Volunteer, it will make you a better person.

7 Quick Cash Fixes To Recover From A Money Emergency

Keywords:
cash,money,payday,loan,mortgage,debt,credit

When you are desperate to raise emergency funds, it usually doesn’t take very long for you to realize who really cares about you, who is truly a friend ... be they family or not.

Here are a few emergency budgeting tips:

Budgeting Tip #1: The first thing you want to do is prioritize to get back on track very quickly. If that means letting your credit card bill go for a bit, so be it. As soon as you realize that you have a money emergency, contact your credit card issuers and request reduced interest rates and payments. Not only one, both!

Budgeting Tip #2: For your car payment, call the creditor and request a payment extension. Perhaps you hate payment extensions, because they require a fee and you still have to make the payment at the end of the contract. In this case, a payment extension can allow a little breathing room to help you recover during your money emergency. Expect that you will likely have to pay a fee (usually about ¼ - 1/3 the car payment amount) for the extension. Freeing up the money you need today is your first and only goal at this point.

Budgeting Tip #3: Check to see if your mortgage holder will allow an extension for a nominal fee. Do this today!

Budgeting Tip #4: Another quick fix, is to host an on the spot yard sale. You don’t have too much time for planning, so do a quick survey of your personal belongings. Come up with clothes that no longer fit, but that are in good condition, knick-knacks, dishes, and books as well as stuff you bought but no longer use. Throw it all together, quickly. Put some notices up the same day at laundry mats and grocery stores around town, and remember to place a sign at the end of your driveway. You can make a quick $300 this way with very little time and effort.

Budgeting Tip #5: If you have a larger item to sell, call into the local radio stations to see if they have a “call in swap show” on the weekends. This is a very popular way to quickly convert gently used and more expensive items to fast cash.

Budgeting Tip #6: Another quick option is with utility and telephone bills. If you aren’t already on a budget plan, ask that the current bill (plus any previous balance you owe) be set up for a budget plan. Expect to pay a down payment (usually ¼ of the bill) and that all future bills (while on the back payment budget plan) must be kept current. The nice thing about it ... it’s usually interest free, and can give you some much-needed breathing space for a month. You must be sure though that you maintain the regular utility payments AND the budget payments in the coming month.

Budgeting Tip #7: Check with your family church regarding emergency help. Local churches can be one of the best places to find out what’s available in the community to help those in need, or in times of emergency. Check with your local church, first.

Getting Fast Cash through Borrowing

If you are absolutely, positively, in a bind, a real cash emergency, and you have exhausted all of the above, then consider borrowing. First, ask your family, then your local bank.

As a last resort, you may want to consider what’s known as a “Payday Loan.” These types of borrowing stores can be useful when all else fails.

7 Tips For Better Online Banking

Keywords:
banking kiosk, bank check printing software, associated bank, peoples bank, first citizens bank, offshore banking, First Premier Bank, Wachovia Online Bank, bank trust investments, merrick bank

Banking has never been easier than it is today. Online banking allows you to access your bank at any time of day or night. You can even do this dressed in your underwear if you like. And if you choose to do it that way, it’s just as well there are no lines to wait in for online banks.

1. Probably the first thing to consider with online banking is the convenience. You can access your bank via the Internet at any time of day or night, even while lying in bed if you like.

2. Transaction performed online are generally much cheaper than those done over the counter at a bank branch. You can pay bills, transfer cash, check balances, and much more for much less.

3. Online savings accounts is something worth considering. The interest rates are usually higher and the fees are lower than traditional bricks and mortar bank branches.

4. Your computer has convenient ways to help you remember your login details. But don’t use the “remember my password” option if your computer suggests it. Keep your bank login details very safe and very secret.

5. Most online banks will allow you change your password. This is a very good idea and something you should do regularly. Of course, you must also remember your new password each time it is changed.

6. Logging on to your online bank is easy and very convenient. But after you have completed your business, remember to log out of your online bank again. This is especially important if you access your bank from a library, at work, or in a cyber café.

7. Enjoy your online banking, but beware of any email you receive asking you to verify your bank details by clicking a link. The site may look authentic, but it will probably be a fake. Respectable banks don’t ask anyone to verify details by email.

7 Tips To Increase Your Credit Score

Keywords:
credit report, credit score, finance, money, saving, budgets, personal finance

Having a high credit score can mean the difference of thousands of dollars of saved interest expense compared to others with a lower score. For example, if you improve credit score results from the credit bureaus, just a few points that increase your credit score can make huge difference in the interest rate you will pay for a home purchase. It pays to increase your credit score!

The most commonly used credit scores available to lenders are FICO scores, which is a scoring method created by Fair, Isaac & Co...FICO!

These scores are provided to lenders by the three major credit bureaus: Equifax, Experian and TransUnion. Before we get into some tips how to improve credit scores, it pays to review the major areas that determine your FICO score.

1. Payment history on credit and retail store cards, loans and mortgages.
2. Amount that you owe. Credit agencies look at how many accounts have balances and the proportion of that balance to the credit line.
3. How long is your credit history? The longer the better.
4. New credit accounts. Applying for a bunch of credit cards all at once can hurt your score.
5. Different credit types, such as mortgages, retail loans, credit cards and installment loans.
6. How many late payments do you have?

Now, with the playing field laid out, let’s work to boost your credit score! Some methods that boost your credit score take time, months or years, and others areas to improve credit score can be made with a phone call right now! That said, here are the 7 tips to raise your credit score!

7 tips to improve credit scores

1. Pay your bills on time. Your payment history is a major factor (35% of your FICO score) in determining your credit score. If you pay your bills late, or had an account referred to collections, your credit score will take a major hit.

2. Sign up for online banking and make sure your regular recurring bills are paid automatically. This way you will not forget a payment that will wind up reducing your credit score.

3. Increase your credit limit. Another large factor is the amount of your debt in relation to your credit limit. If you have a card with a $10,000 credit limit and your balance is $9,000, this will not help to improve your score. To make the debt/credit limit ratio look better, you can try to call your credit card company and request an increase in your credit limit. Don't use the extra credit though! That defeats the whole purpose and puts you further in debt!

4. Don't apply for many cards at once. This will not improve your credit score because this is a characteristic of high credit risk groups.

5. Don’t ever close an open credit card account. If you pay off a credit card down to a zero balance, leave it open. Remember that a positive factor for your credit score is how much available credit you have at your disposal when compared to your credit balance, in addition to the length of your credit history.

6. Apply for loans within a two-week period. Every time you request a loan and the lender pulls your credit report, it can hurt your score. It is part of the FICO formula that reasons "this person is trying to apply for credit and loans and possibly be trying to live way beyond their means!" If you keep the loan process within a two-week period, all of the credit report lookups are bundled together as one single request!

7. Check for errors on your credit report. Examine your credit report for errors and contact the credit reporting agencies to fix any errors on your credit report.

If you take action and follow these tips, you will be able to give your credit score and immediate boost and gradually increase it even more as time passes. The major keys are to pay your bills on time and reduce your debt amounts when compared to your credit limit. This has a twofold benefit of improving your credit score and reducing your debt.

7 Ways to Grow Flowers

Flowering landscape trees are the crown jewels of the yard. Perhaps no other plants, individually, can have as great an impact on how a yard looks in spring. Browse the articles to which I've linked below for information on particular varieties of flowering landscape trees. Pictures are included.

Crape Myrtles: Landscape Trees of the South
A popular choice in flowering landscape trees for Southerners, crape myrtles have a long blooming period (mid-summer to fall). The blooming clusters of these flowering landscape trees come in pink, white, red and lavender. The clusters appear on the tips of new wood. Northerners can sometimes get away with treating these flowering landscape trees as perennials that die back in winter but come back in spring.

Trees
Not all specimens with a weeping habit are flowering landscape trees, but this article looks at several weeping varieties that do bloom, headed by four types of cherry.

Saucer Magnolias
The size and shape of the blooms are what suggested the common name for these flowering landscape trees. Want a specimen with a brilliant bloom as big as a saucer? Access
information on these beauties here.

Rose of Sharon
Although some people think of it as a landscape "tree" (because it gets tall and can be pruned so as to have a single trunk), rose of sharon is, in fact, a flowering shrub. The fact that it blooms relatively late -- and for a long time -- makes it a valuable plant for those looking to distribute their yard's color display throughout the growing season.

This article features information on ten flowering landscape trees and shrubs that brighten our spring seasons. Included are redbud, callery pear and crabapple.

Hawthorn: Late-Blooming Landscape Trees
This article offers information on Washington hawthorn trees, which are perhaps most valued for the time at which they bloom (late spring to early summer). Many of the popular
flowering specimens bloom earlier in the spring, and while their blossoms are pleasant sights for eyes sore from winter's barrenness, they desert us too quickly!

9 Places You Can Save Money For Your Family

Keywords:
finance, money, budget, personal, family, credit, debt, loan, mortgage, car, house, refinance, consolidation

Most families are spending more and more money every year (and not just because the cost of living rose) while also saving less and less. One reason is that few household managers spend much time reviewing expenses and expenditures to find ways they can save money. However almost every family has places where costs can be cut and pennies can be pinched -- and if those freed up funds are then used to pay down debt and save for the future it could have a dramatic impact on their quality of life.

Food is one big area where many families could be more thrifty. Families spend an average of $2,434 on food away from home, according to the Consumer Expenditure Survey from the U.S. Bureau of Labor Statistics. If you (and your spouse and your children) eat lunch out every day of the week then try brown-bagging at least one of those days. If just one of you does it you may save up to $400 a year and if you can double or triple that savings you could finance a family vacation with it.

Another major expense is your home. When was the last time you looked at refinancing? Can you find a lower interest rate? Can you renegotiate to a shorter time frame? Even if you can't change your mortgage payment you may be able to pay a bit extra each month which over time will help pay down your mortgage faster. Also, don't overlook your utilities. There are ways to save in this area as well including updating your insulation and weather stripping, keeping up-to-date with maintenance and cleaning of your furnace and air conditioner or using a programmable thermostat to take advantage of those times when your house is empty or the family is asleep.

Transportation is another major expense for many families. Not only are vehicles expensive to buy but also to maintain and operate especially with gasoline prices at such high levels. Is carpooling an option for any members of the family on at least a part-time basis? Make sure to combine errands and trips to cut down on your travel and save money when buying gasoline by taking advantage of special programs and discounts and remaining vigilant about gas prices. In addition, following a regular maintenance schedule and proper tire inflation can also help you achieve maximum gas mileage for your vehicle.

Choosing your bank wisely can be another way to save money. Make sure the bank you use offers free (or at least low cost) checking as well as electronic bill-paying. Electronic bill-paying and a debit card can cut down on your need to use checks and postage which will save you in the long run as well as help you better manage payments so you will avoid fees, penalties, and higher interest rates.

Cutting your credit card costs can be another major savings. This means making sure you are using the best possible credit card with a low interest rate and low or no annual fee. Shop around until you find your perfect match and don't forget to cancel and cut up those rejected suitors.

Health care is not really an area where you can cut expenses but you can save money by taking advantage of special offers and programs. For example, many employers offer a Flexible Spending Account where you can save money before taxes for out-of-pocket medical expenses for prescription and nonprescription drugs, dental expenses, and eye care.

Tuning up your insurance policies can also help you save money. When did you last compare rates for your home, your vehicles, and yourself? Some other ways to cut costs are to raise your deductible level or using the same company for multiple coverage (your home and vehicles). When you are shopping around make sure to give your current company a shot at keeping you. Sometimes they can offer a better rate too.

Another major expense for many families is the cost of communication including local and long distance phone service, cell phones, cable or satellite television, and Internet access. Review your expenditures and cut out the services you don't need. Can some of these expenses be bundled to save money? Are there better plans for your needs?

When looking to save money it is important to become an aggressive shopper. The Internet makes it possible today to compare prices and product reviews while not spending a lot of time and money driving from store to store. Any big ticket item (and that includes your weekly groceries, cleaning products and health and beauty aids) deserves a closer study.

Over the next, month take time to review your family expenses and expenditures in each of these nine areas. Making a few alterations in your family's spending habits will soon make a difference in the overall household budget. You can raise your family's quality of life by making just a few changes in your monthly budget.

10% / year growth or your money back

Keywords:
pointbreak ea, forex trading, automated trading


Article Body:
Previously available only to a private trading group, this EA is now publicly available only from myfxtools.com. This EA has been compared to other EA's in the market and outperformed every one of them. The key to success of this system is that it is flexible to changing market conditions.

Some of Point Break features:
Small trades are continuously added above and below the opening position.
The system will pyramiding, hedging or closing some positions depends which way the market moves.
All trades are closed only when a net profit is reached and added to your account balance.
Built in money management will automatically calculate the correct position size for your risk level, and it can be used as a full automatic trading system or use it to create your own trading system.

The main goal of multiple trading strategies is to make the drawdown become smoother when there is choppy market. Since Point Break version 4, we invented multiple close strategies. Beside each cycle has its own close profit procedure, there is additional simultaneous close technique which close all open positions together on specific rule, this make the close profit target be reached even faster, and as a result the expanding drawdown probability become decrease also.

Money Management
The probability is that the maximum largest expected drawdown is about $1,500 (using 0.01 standard lot) with Conservative setting. Although it is not impossible exceed this drawdown.
Based on the drawdown risk when the cycle ranges become expanding, trading more than 0.01 lot per $5,000 for standard account is discouraged. Fortunately, the EA uses automatically money management system that it will increase the lot size when the profit accumulated. For example when the EA start with $10,000, it start using 0.02 lots, it will increase to 0.03 lots when the equity become $15,000.

Average Monthly Return:
5-8% for Moderate Strategy (Drawdown Risk: 30% from balance).
10-15% for Aggressive Strategy (Drawdown Risk: 50% from balance).

We have the utmost confidence in the EA and it has been used to managed forex accounts for 2 years already. This EA is available in a 30-day trial format, available from our site, and we guarantee if you dont make 10% a year we will refund your money back.

10 Easy Tips To Save Money On Your Home Heating Bills

Keywords:
reduce heating bills, lower heating costs, reduce, house, home, personal finance, saving, money

With energy costs higher than they have ever been in recent history, it pays to find ways to reduce your home heating costs. I put together some tips that are easy, cost effective and will all add up to reduce your home heating bills by a significant amount! You don’t need to be Bob Villa either. Some take just a minute or two. Even small changes will add up to big savings over the course of this cold winter!

Here are the 10 tips that I have personally used to save on my home heating costs:

1. Head down to the basement and reduce the setting on your hot water thermostat by about 10 degrees. I wouldn’t go below 120-115 degrees. The adjustment dial is typically a red knob towards the bottom of the water tank.

2. While you are downstairs, make sure you have clean filters for your central air-heating unit. A dirty and clogged filter will force your unit to work much harder and stay on longer as it struggles to fresh air through the clogged filter to heat the rest of your house.

3. Check your air ducts for gaps, leaks or disconnects. If you have any disconnects or leaks in your ductwork, your heating bills could be 25% higher than they need to be if these gaps were sealed. If you can’t do this on your own, hire a professional. This expert can also clean your ducts for added efficiency.

4. Adjust your thermostat a few degrees lower. Believe me, this really adds up. It may not seem like much of a difference to you, but you will notice the difference when you get a lower bill each month!

5. While we are on the subject of thermostats, consider replacing yours if it is not programmable. The reason is, you can set the thermostat so the temperature setting in your house is lower at night than during the day, when you are awake. Also, if you are away at work during the day, you can set it for a lower temperature and have it programmed to start heating the house a little bit before you come home. These aren’t too expensive and are easy to install and configure yourself.

6. Insulate your attic. Heat rises, right? If your attic isn’t properly insulated, all of the heat in your house (and your money) goes right through the roof. Literally! This does require some effort on your part, but following through on this tip will save you a ton of money over the years. Measure the square footage of your attic and buy rolls of insulation, greater than R-13 but no higher than R-30. Wear a mask and gloves when working with insulation because it irritates the skin.

7. Find those leaks and cracks! If you were to add up all of the small cracks and holes in your house, they would probably add up to a small window, wide open, letting cold air in and hot air out. Take the time to find gaps in windows, doors, pipes, electrical and phone lines, your dryer duct and much more. Put weather-strips around your doors and windows. You can buy insulation foam that comes in a can with a straw at the top that allows you to fill in tight spaces. It expands to fill even the smallest cracks. Of all of the tasks, this was the most fun finding and filling these gaps all around the house.

8. Close the vents in rooms that you do not use. I have one room in my house that is not currently in use. I shut the hot air ducts and made sure the windows and doors were properly sealed to limit energy leakage. Why waste your money heating up extra square footage of your house that you don’t even use?

9. Open drapes and shades for all of your windows during the day to let the sun heat your home. In the evening, pull them back down for added insulation. It is amazing how much direct sunlight streaming into your home helps to heat things up.

10. Your fireplace can help and hurt your heating costs. If you are not using your fireplace, make sure the damper is closed. When it is closed, inspect the damper and feel if cold air is still leaking in. If you are using your fireplace, make sure the heating in the rest of your house is reduced or turned off.

Taking the time to implement these tips will drastically reduce your home heating bills. You can get most of them done in just one day, but the payoff will last for as long as you live there! I followed through on each one of these tips and the following winter, my bills were about 25% lower, saving about $100 a month! So roll up your sleeves follow these tips and start saving money on your heating costs!

10 Easy Ways To Organize Your Business Finances

Keywords:
business finances,financial,money,entrepreneur,small business owner,bills,credit cards,online banking,checkbook,overdraft protection,accounts,accounting

Whether you are a new entrepreneur or a more experienced business owner, taking control of your finances can feel like a part-time job. Some simple tips can help you streamline your time, organize your finances and reduce the stress of business money matters.

1. Keep Your Bills in One Place

When the mail comes, make sure it goes in one place. Misplaced bills can be the cause of unwanted late fees and can damage your credit rating. Whether it's a drawer, a box, or a file, be consistent. Size is also important. If you get a lot of mail, use an area that won't get filled up too quickly.

2. Pay Your Bills on Schedule

Bill paying can be simplified if it's done at scheduled times during the month. Depending on how many bills you receive, you can establish set times each month when none of your bills will be late. If you're paying bills as you receive them, chances are you're spending too much time in front of the checkbook. Although bills may state "Payable Upon Receipt", there's always a grace period. Call the creditor to find out when they need to receive payment before the bill is considered late.

3. Read Your Credit Card Statements

Most people take advantage of low interest credit card offers but never read their statements when paying the bill. Credit cards are notorious for using low interest as bait for new customers then switching to higher rates after a few months. Make a habit of looking at your statement carefully to see what interest rate you are paying each month and if any transaction fees have been applied. If the rate increases or a transaction fee appears on your statement, a simple call to the credit card company can oftentimes be beneficial in resolving the matter. If not, try to switch your money to a more favorable rate.

4. Take Advantage of Automatic Payments

Most banks offer a way to automatically deduct money from your account to pay creditors. In addition, the creditors usually offer a lower interest rate when you sign up for this payment option because they get their money faster and on-time. Consider it as one fewer check to write, envelope to lick and stamp to buy. Just make sure you record the deduction when the automatic payment is scheduled or you run the risk of bouncing other checks.

5. Computerize Your Checkbook

Using a software program is a handy way to organize your finances. Whether it's Quicken(r), Microsoft Money(r) or another package, these easy-to-use programs make bill paying and bank reconciliation a cinch. Computer checks can be ordered almost anywhere and fit right into most printers. Once the checks are printed, all of the information is automatically recorded in your electronic checkbook. Furthermore, many banks have direct downloads into these software packages so when money is deposited or withdrawn, the transaction is entered immediately onto your computer. And, when it comes time to do taxes, it couldn't be easier.

6. Get Overdraft Protection

Most banks have a service where, if you run the risk of bouncing a check, the money will come from another source. For a nominal fee, the bank will link your checking account to either a savings, money market, or credit card so the embarrassment of bouncing a check will be avoided. Call or visit your bank to learn about this convenient feature.

7. Cancel Unused Accounts

Whether it's a credit card or bank account, write a letter requesting that the account is formally closed. Not only will this improve your credit score, it is a useful way to avoid money from being scattered all over the place. Don't let department stores and credit card companies lure you into opening new accounts by offering favorable interest rates and purchase discounts. It's easy for credit to get out of hand by taking advantage of every credit offer that comes your way.

8. Consolidate Your Accounts

If you have several credit card accounts with outstanding balances, try to consolidate them into one. Be careful and check the balance transfer interest rates and one-time fees. Also, make a list of all your open Money Markets, Savings, CDs, IRAs, Mutual Funds, and other accounts to see if any consolidation can be done. Keeping your money in fewer places eliminates all of the guesswork involved and reduces errors.

9. Establish Automatic Savings

Create a link from your checking account into a savings account that will not be touched. This can usually be done through the banks and automatic amounts will be transferred over each month. Most people will not put money into a savings account on a regular basis. They may wait until a large tax refund check arrives or some other event to actually deposit money into savings, retirement or other accounts. If you establish an automatic savings deposit every month, your accounts will begin accumulating money faster than you think.

10. Clean up Your Files

Make sure your paid bills are organized in a filing cabinet. Keep individual files for paid bills. Go through your files at the end of each year and throw out bills and receipts no longer needed for auditing purposes. Contact your local IRS office to see how long records need to be kept for audits. Usually federal tax return audits can be done three years back but cancelled checks may need to be kept for seven. Consult the Internet for auditing and records-keeping procedures for your state or region.

10 Keys That Every Home Based Business Owner Should Implement For Success

Keywords:
online,home,business,income,internet,wealth,success,profit,website,keys,marketing

1) Attitude--

One very important factor in running a business is your attitude towards it. You should treat your business like a business.

This is very important whether you work your business full-time, or part-time. A very close friend of mine, who is also a colleague, is a mother of 4 who works her home business around her family. In this case, she has put her family first, and at the same time, still been able to develop her business.She works part-time, but she has a full-time attitude. To put it another way, if you have a lacking attitude, you'll have a lacking income. However, if you have a business attitude, you'll have a business income.

Keeping your attitude in mind while running your business is one of the first steps to ensuring your success.

Being successful working part-time on your business, or working full-time, is more than achievable. However in saying that, it is highly unlikely that working in your "spare time" will achieve you success.

2) The Environment In Which You Work--

Keeping with the attitude principles discussed above, it is necessary to remember that while you are working from home, you should make sure that you have a space to call your own; your own "business at home" office, free from distractions.

Keep the theme going with a comfortable office chair, and a well laid-out and organized desk. Stationery supplies will also be of assistance, so be sure to include the following in your "home office":

- Pens
- Highlighter
- Hole Punch
- Stapler
- Sticky Tape
- Note Book(s)
- A system which will enable you to easily and efficiently store your physical files and documents.
- Ring Binders
- Manillia Folders

Do you have a fast internet connection? If not, consider the use of a broadband internet connection. Anything you do will take a certain amount of time, and your time is a very valuable assest. Faster internet means you will have more time for other things.

3) Schedule--

Dividing up your spare time between your business, your family, or your "significant others" will require a carefully planned schedule. Just like office hours in which you would work, when you allocate time for work, make sure that you work during this time. Equally important is to make sure you have time for other commitments - time with your family, exercising, education, and leisure time are all equally important factors in your life. Its also a good idea to keep in mind why you are doing what you are doing. For example, if you are starting your home business to spend more time with your family, you don't want your work time consuming valuable family time.

With a home business, the only "boss" you have is yourself and your schedule. Lets say for instance that you are working during your allocated work time, and you have unexpected visitors, or people calling you. You have to make a choice; are you really commited to running your own business? Are you commited to business success? Your choices in these types of situations will govern whether or not you have a "business attitude", or a "hobby attitude".

However, you may need to adjust the way you make your choices. This is especially true in a family environment. In this instance, it may be necessary to discuss with your partner and/or children an agreed period of time which is classed as business time, in which you will not be interrupted. It may also help to print or write down this schedule and place it somewhere prominent so as to inform all family members of your work schedule.

4) Describing Your Business--

Make sure that when asked about your business, you are able to describe it concisely; a strong and powerful one or two sentence about your business that someone can repeat easily about describing your business to others. A company slogan or "tag line" can also be invaluable for promoting your business; take the time to create a unique and memorable tag line or slogan.

5) Knowledge Of Your Services Or Products--

You now have your product and your service in which you sell, whether or not you actually use your product or service you sell, it is a wise decision to make sure that your knowledge of your product or service is intimate and well-founded. For instance, if you sell ebooks, then ensure you know the content and the value in which it holds; if you sell software, ensure that you know how it works, "inside and out". In doing so, your reputation will develop as someone who provides quality information about a product or service, and because of this knowledge, you yourself can become a preferred supplier.

However, it may not always be practical to use certain products (as an example, a man may choose to sell wedding dresses), in which case the seller wouldn't be a product or service user, though in saying that, the seller can still have extensive knowledge of the product or services benefits and features.

6) Administration--

It is essential to implement good record keeping practices.

This can include tasks such as consulting a tax advisor who can advise you on the best and most optimal way to set up and store your financial records, as well as which records need to be kept. In addition, your advisor could also recommend record keeping systems which can help you in achieving a more efficient and simpler means of organizing this aspect of your business.

You may also be told advice on the most effective arrangments and set ups for your banking necessities. In doing so, you will most likely be advised to seek out seperate bank accounts for your business.

If you use various logins, passwords, and usernames, it would be a wise decision to keep track and store this various information.

The tools and methods in which you track these are varied; from a simple paper notebook to free and commercial software.

7) Protection For Your Computer--

Your computer houses all your important business data, and is also the lifeline of your business dealings. In saying this, it is vital that you protect your computer.

Pieces of software such as virus scanners, personal firewalls, anti-spyware and adware, and even an email scanner, should all be implemented to help with the protection of your computer.

8) Obtaining A Domain Name--

For any home-based, online business, it is more than just essential to have a domain name for your business, it is vital. There are many domain registrar companies out there. Take your pick.

9) Processing Of Your Payments--

Any online business will need to the ability to accept payments. Payment processors such as Paypal, 2Checkout, and Clickbank, all offer multiple ways to accept payment, including the ability to accept credit card payments online.

As an online business just starting out, this is the most effective, effecient, and economical way to get started in accepting online payments. As your business starts to grow and develop, it may be necessary to look into obtaining your own merchant account for transactions.

Also, it may be worth while taking into account other forms of currency online, such as eGold.

10) Email Accounts--

The more professional and trusted your online home business appears, the more likely your customers are going to do business with you. One of the most easiest and simplest ways to do this, is to use an associated email account. After obtaining your own domain, it is possible to create your very own associated email account.

Final Comments--

In finishing, I'd like to leave you with the following comments regarding the running and owning of your internet business. Conduct your business ethically, ensure that your customers receive the best service, and be proud to put your name to the products and/or services that you sell, and you will soon seen the fruits of your efforts. Taking into account this last statement, and the above 10 key points, you'll find yourself on track to developing a trusted, professional, and sustainable long term internet business.

10 Steps To Save Your Retirement

Keywords:
solo 401k, solo k , the solo k sole proprietor, retirement

Many of the brightest and hardest-working marketing and advertising people in the country are obsessed with getting you to spend money and, if necessary, to go into debt to do so. Absolutely all the media that reach you every day are designed to get you to spend money. In order to save money in this environment, you will need determination to withstand the constant pressures to spend now.

What is it that separates those who are successful from those who are not?

Successful individuals have a strong personal vision of what they want and why they want it. That vision gives them the strength to stick to their strategies even when doing so is uncomfortable. It gives them the determination to persist when they are discouraged. This is the same characteristic of women entrepreneurs and is the reason their new, small businesses are successful.

The 401k Plan

Today, the 401(k) plan has become the main investment vehicle for working women to save for retirement. But many don’t take full advantage of their plan, and this could leave them with a lot less at retirement. Here are some steps we believe you can take to improve and eliminate any retirement worries about whether or not your retirement will be pleasurable or public charity; or whether you will have all the free time to spend with your family or friends.

1. Increase your contributions to the maximum that you can manage. Many women contribute just enough to take advantage of their employer’s matching contributions, and then they stop. By adding more to your account, beyond the matching contributions, you’ll end up with more in retirement.

2. Invest at the start of each year instead of taking a little bit out of each paycheck. Nothing in the law says you have to invest in a 401(k) plan a little at a time, from each paycheck. By investing early, you’ll put your money to work sooner for your benefit.

3. A few years ago it was reported that more than 30 percent of the money in 401(k) plans was invested in money-market funds or similar accounts. For investors nearing retirement, that may be appropriate. But most workers in their 40’s and 50’s need growth in their retirement investments. Put more of your investment fund in equities and less in money-market funds.

4. Research indicates that over long periods of time, small-company stocks outperform large-company stocks. Since 1926, In the equity part of your portfolio, shift some of your money into funds that invest in small companies. Don’t put your entire equity portfolio in small-company stocks. But consider investing at least 25 percent of your U.S. equity investments in that fund.

5. Numerous studies have shown that value stocks outperform growth stocks. According to data going back to 1964, large U.S. value companies had a compound rate of return of 15.1 percent vs. only 11.4 percent for large U.S. growth companies. Among small U.S. companies, the difference was even more striking: a compound return of 17.4 percent for the value stocks vs. 12.1 percent for the growth stocks. Don’t put your entire equity portfolio into value stocks. But if there’s a value fund available to you, consider investing at least 25 percent of your U.S. equity investments in that fund.

6.Rebalance your portfolio once a year. Your asset allocation plan calls for a certain percentage to be invested in each of several kinds of assets. Rebalancing restores your asset balance and allows for the possibility that last year’s losers may be this year’s gainers. Diluting your diversification actually increases risk in your portfolio over time, which is a result that’s just the opposite of what most investors want.

7.Without compromising proper asset allocation– use the funds in your plan that have the lowest operating expenses. Choose funds with low turnover in their portfolios.

8. Don’t borrow or make early withdrawals from your 401(k) unless that is the only way to respond to a life-threatening emergency. Furthermore, if you take an early withdrawal before you are 59.5 years old, your withdrawals will be subject to a 10 percent tax penalty (in addition to regular taxes) unless you are disabled. Just don’t do it.

9. If you leave your job, you’ll get a chance to roll over your 401(k) into an IRA. Take that chance. In an IRA, you have the same tax deferral as a 401(k), and you’ll have the flexibility to invest in virtually everything you can get in a 401(k), plus much more.

10. Here’s the most important thing you can do to maximize your 401(k): Keep your contributions automatically payroll deducted, and make them no matter what. It’s simple, but it’s not easy. Half of the households in the United States have net worth of $25,000 or less. In a typical year, about two-thirds of U.S. households do not save money.

Remember, to be successful, first, imagine your early retirement; the Caribbean condo, the yacht, the new Lexus. Luxury and pleasure as far as your eyes can see. Create a strong vision, and then don’t let go. The power of a clear, strong vision applies to more than just your retirement savings. Let your vision shape your life, instead of the other way around, and all of the time in the world can be yours. You won’t be spending your Golden Years working at the Golden Arches.

10 Tips To Make Sure Your Financial Budget Will Succeed

Keywords:
budgets, saving, financial, personal finance, investing, money

You’ve analyzed your past expenses, put them into spreadsheets, loaded Quicken with all of your data and come up with a budget. Now what? The tough part! You actually have to stick to your budget and put your plans into action. This is easier said than done. In many cases you will have forgotten about your budget and your financial goals 6 months or a year down the road. How do you keep this from happening to you?

Here’s how. Make sure you follow some of these tips below so this doesn’t happen to you.

1. Create a budget with realistic targets – Let’s say one of your budget goals is to not eat out for lunch or dinner on a regular basis. If you are honest with yourself you may find this to be an unrealistic goal. Sometimes it’s a nice break to eat out and have a relaxing rewarding evening. In other words, don’t set the bar too high. Drastic and unrealistic goals are one of the surefire ways your budget will not succeed.

2. Budget for expenses that don’t occur on a routine basis – Make sure you give consideration to expenses that occur once a year, such as holiday presents, birthdays, vacations, weddings, car maintenance costs, etc. These expenses don’t occur every month and they will bust your budget plans wide open. Make a list of these events on a calendar and put a dollar figure to them. Place them in the month they are expected to occur so you can plan in advance how you will pay for them. The regular routine expenses are not the reason your budget will fail. It is these “gotchas” that will wreck havoc on your budget if you don’t plan for them.

3. Put your budget in writing – Take the time to write down your budget plans. Making a mental note of your budget goals is a recipe for failure. Don’t assume that your financial future will take care of itself by making a simple mental note to yourself. If you have your budget goals detailed in writing you can review and remind yourself weekly and monthly of your financial goals.

4. If you have a bad month or week, don’t give up! – Let’s say you have been reaching your budget goals for three months. In the fourth month, for whatever reason, you didn’t reach your budget goals. Maybe you even stopped trying to stick to your budget! If this happens, don’t just throw your hands up in the air and admit to failure. Everyone falls off the wagon sometimes. Your budget is a journey. There will be bumps in the road, so the key is to realize that everyone makes mistakes. This relates to a story I like about a great old time golfer named Walter Hagen. Before each round of golf, he told himself that he would have 4 or 5 bad shots. During the golf round, if he hit his ball into a bunker, he would tell himself, “There is one of my bad shots that I was expecting”, hit the ball out of the bunker and move on. It didn’t phase him one bit because he had knew there would be some bad shots in his round.

5. Adjust your budget over time – This one is a biggie! It can take months or even years to fine tune a personal budget. When you initially made your budget plans, you probably had to guess at some of your figures. They might not have been in touch with the realities of every day life. For example, you may have underestimated your monthly grocery or utility bills. If this happens, analyze all of the underlying money that was spend in this category to see if your initial estimate was unrealistic. If it was, try to come up with a more accurate number and then to stick to that new figure. It is this type of adjustment that is one of the keys to making sure you can stick to your budget.

6. Review your budget every month – This is where you will make any adjustments that are needed. Set aside the first day of each new month to review your income and expenditures and match them to your budget goals. By actively reviewing your finances and comparing it to your budget, you can adjust your spending habits. This gives you a chance to analyze areas that exceeded your budget expectations and make the adjustments in your spending habits or your budget. The goal here is to not forget about your budget. One tip that has worked for me is to put a printout of my basic budget goals on the refrigerator. That way every day, several times a day, I would notice my budget goals sheet. I may not read it every time, but I notice it and it reminds me that I need to stick to my budget. That is why tip number 3 is so important.

7. Set specific short-term goals – Let’s say one of your budget goals is to have all of your credit card bills paid off in two years. If your credit card balances total $20,000 that would be $10,000 a year. Divide that number further into quarterly reductions in your credit card bills, in this case $2,500 every 3 months. Now, this is a more tangible budget goal to shoot for isn’t it? I find that when I divide intermediate and long term goals into short-term tangible stepping stones, I am able to feel a greater sense of accomplishment and am more likely to succeed. This brings us to number eight…

8. Reward yourself – That’s right! Treat yourself when you reach your some of your short-term goals. Since your financial budget is really a journey, take some time to smell the roses on your way. Sticking to your budget should not be a restrictive, unpleasant experience. Not only should you take the time to enjoy your financial accomplishments along the way, but use part of your budget for fun things that you enjoy. Just make sure your rewards don’t end up breaking your budget!

9. Pay yourself first – I’m sure that one of your budget goals is to save and invest a portion of your income. One of the keys to make sure you succeed at this is to do what the IRS does with your paycheck, take it out of your discretionary income immediately. This way, the money is saved away right off the bat. Move the money immediately into a savings or mutual fund account. Many mutual fund companies can setup automatic deductions from your paycheck. Despite your best intentions to save, the hectic, daily demands of life can reduce the amount you are able to save.

10. Attitude is everything – When most people think of a budget, they picture restrictions and pain. Almost like a diet. You know what happens with most diets? They don’t seem work for long! First, if your budget is too strict, too restrictive on your spending, it won’t work either. However, you will need to limit your spending in some areas and this will take some adjustment in your attitude. I found that when I am feeling limited and sorry for myself when I can’t purchase something that I want, I remember my financial goals I set with my budget. I think about the satisfaction I feel when I reach those goals. Over time, you find that you don’t want to disappoint yourself by breaking your spending goals on a spur of the moment purchase. Now, I actually get more pleasure knowing that I am reaching my budget goals when the thought of an impulse purchase crosses my mind.

If you follow these tips, your budget plans are more likely to be a great success. By taking some simple steps you will find that living within a budget is not as tough as you imagined. It can actually be fun and rewarding!