Written By Jasmine Day, in Every Post, Commerce Items

Setting Reasonable Goals to Pay off Debt

Erase Your Debt

Erase Your Debt

In order to pay off debt, you need to decide what kind you want to pay off first. This can be an overwhelming task if you have high balances, lots of different types of debt, or both. If you’re dealing with student loans as well as credit card debt, for example, trying to figure out where to start can end up being so overwhelming that you just give up altogether. This is why setting reasonable goals that will make sense and allow you to achieve financial independence is essential. Here are four tips for how to pay down your debt in an informed manner.

Establishing Goals Based on Your Credit Score

The first move you want to make is to check your credit score. Your credit score is a summary of how your financial standing is. Different items on your credit report impact your score either positively or negatively. Your first order of business when deciding what kind of debt to pay down should be to remove any negative items you see. This will often be debt that’s currently in collections or payments that are past due. These are the things that will dramatically pull down your credit score, and make it even more difficult to recover once you manage to eliminate the bad debt. Your credit score should be the cornerstone of how you approach your debt.

Tools to Understand Your Credit Score

Find Some Strategies To Pay Off Your Debt

Find Some Strategies To Pay Off Your Debt

Once you have your credit score, you need to more carefully review your credit report itself. There are many tools available online that not only allow you to analyze what your different debt means and how it impacts your score, but also to project what will impact your score the most. Many credit card companies and financial institutions offer these tools free of charge, and you can input different scenarios to weigh what the best course of action is. For example, factors such as canceling credit cards versus paying off certain cards will have different effects on your credit score.

Prioritizing Debt

Once you explore your options and how paying off different types of debt will impact your score, you can make the final decision about what you want to tackle first. Bad debt should always take priority, but the next thing to prioritize is debt with high interest rates. Depending on high the balance on a particular line of credit is, you’ll want to address the one that’s costing you the most interest per month. Focus on this one goal to begin with, since it’s only the second step in your quest to become debt free. Don’t try to make sweeping changes all at once, and instead just concentrate on one balance. Once you identify the line of credit you want to tackle, try funneling as much money as possible into that debt to pay it down. Another thing you might want to consider is not spreading your payments too thin. It might be tempting to attempt to pay all your credit cards down at once, for example, but in reality your payments are getting eaten up by interest. It can be better to focus on just one credit card or loan, and then go from there.

The Pitfalls of Unrealistic Expectations

Set Realistic Expectations

Set Realistic Expectations

When you set up unrealistic expectations for yourself, it’s inevitable that you’ll fail. Debt is a difficult and complex monster to conquer, and if you try to approach it as one giant mass, you’ll become overwhelmed very quickly. One of the major parts of paying off debt that’s always essential to remember is that it takes time. You’re not going to eliminate all your outstanding debt in one night, or even in one year, depending on how much you’re carrying. Take your financial goals one day at a time, and focus on each step individually. This is the type of approach where you will actually make strides in paying off your debt. You’ll also feel a sense of accomplishment with each goal you meet.

#Financial Independence#Pay Off Debt#Prioritizing Debt#Understand Your Credit Score#Unrealistic Expectations

Written By Jasmine Day, in Every Post, Love Items

What the Third Date Really Means

You Made It: The Third Date

You Made It: The Third Date

Everyone knows that the third date means sex. Of course, not everyone who goes on a third date actually wants to have sex with the person that they’re with, so that can lead to some complications. How is a man supposed to know whether the woman he’s with is totally into having sex on the third date? Fortunately, there are a lot of signals that you can follow, as long as you’re willing to pick up on them. Surprisingly enough, most women actually do not want to give you mixed signals, they want to make things very clear. Men just aren’t that good at following the signals from women much of the time, which means that they will frequently not hear the signals that women are sending them. Here’s what you can consider a cheat sheet to figure out if you’re getting laid on the third date.

Check Her Body Language

Don't Missread Her Body Language

Don’t Missread Her Body Language

Women like to throw out body language as one of their most obvious tells, whether they’re into a man or not. Just the fact that she’s on a third date with you means that you’re at least a little bit in the running, but you’re definitely not home safe yet. You still need to try and interpret what it is that she wants to tell you. The first thing you need to look at is her hands. Is she touching herself often? If she’s touching her face and hair a lot, she’s flirting with you. That’s just the truth, and that’s especially true by the time you get to the third date and she’s presumably less nervous about meeting you. If she’s touching her chest frequently (even the part right below her neck, the less interesting part), that means she’s really, seriously thinking about getting fun with you.

Throw Out Some Bait

Make A Suggestion And Watch Her Reaction

Make A Suggestion And Watch Her Reaction

One of the things you can do if you’re just not sure what her body language is saying is throw out some bait. See if she takes it. See what she says when you hint that the party doesn’t have to stop during the date, because you’re available all night. That’s close enough to being a joke that she won’t feel bad laughing at it even if she’s not intending to sleep with you tonight. If she laughs and touches you (even a gentle hit, that’s good) and says that you’re “So bad!” that’s definitely a good sign, but it’s also not home free yet. Really, the only way to tell when you’re home free is if she suggests it first.

Be Cool

How You Want Your Third Date To Go

How You Want Your Third Date To Go

Above all, remember not to be really embarrassing about this. You’re going to need to be the one who is cool, because women are generally pretty nervous when making the decision about whether to have sex with a man or not. If she says no this time, it’s not the end of the world, and you don’t really need to worry. Just accept it, smile, and ask her if she wants to see you again. If so, you being cool this time will lead to good things in the future.

#Body Language#Love#Relationships#Sex#The Third Date

Written By Jasmine Day, in Every Post, Technology Articles

Cell Phone Charms: Cute or Clutter?

Collecting Cellphone Charms

Are You Collecting Cellphone Charms?

More and more people are getting into having charms on their cell phones – it’s not just for little girls anymore! These additions are a great way to make your normally boring phone stand out, and bring some of your personality into the device. While it is a good way to personalize your phone and show off your interests, cell phone charms are getting a bad wrap these days, but is it for the right reasons? Keep reading and decide for yourself.

How Much is Too Much

While one or two charms makes your phone look cute and unique, it’s easy to get too many. Especially since there are so many charms available everywhere you go, it’s a definite possibility that you would end up collecting too many of them on accident. This turns a cute thing into a cluttered mess, and it stops being so adorable. Then it just looks like you can’t organize anything to save your life, not even your phone. If you really want to have a lot of charms, then switch them out so it doesn’t become overwhelming. Besides, it can end up putting a lot of strain on your phone or phone case if you’re not careful. A couple light charms add up over time and can create one very heavy lump of cuteness. The key here is knowing when to say when, and the importance of switching out the charms as you see fit.

Why Even Have Them?

A Charm Make Your Phone Look Cute

A Charm Can Make Your Phone Look Cute

For a lot of people, having charms is a fun way to tell people about themselves without saying a word. For instance, a lot of character charms are made for phones. This way, you can have your favorite characters from cartoons, products, and all other manner of things acting as mascots on your phone. This can cheer you up a lot, and can be a good starting point for any conversation. It’s also a great way to lure in potential friends who have the same interests as you. This way of luring people in is much more subtle than trying to figure out what everybody’s into, so it’s much easier on people who are shy. They might be childish, but they can be a lot of fun if done in moderation.

Keeping Them From Getting Lost

Do Not Loose Them

Do Not Loose Them

If you’re going to keep charms on your phone, you need to be careful. They’re small, and very easy to lose if you aren’t watching them closely. Since the cost of these little things definitely adds up over time, you don’t want to lose them. Many charms come with a plug that fits into the headphone jack. This is a good way to keep the charms on your phone, but you have to always be on guard because it’s only too easy for them to get yanked out of that hole and fall on the ground while you’re trying to put your phone away. To secure your charms better, hook them on your phone case instead. This way, they can’t get away without the case having broken, which you’re much more likely to notice.

#Cell Phone Charms#Cellphones#Collecting Charms#Customize Your Phone#Straps & Charms#Technology

Written By Jasmine Day, in Every Post, Health Items

Using an Elimination Diet to Find out What’s Ailing You

Begin Your Elimination Diet

Begin Your Elimination Diet

As science and technology continue to progress at an unbelievable rate, we have learned quite a bit about our own health and dietary needs. Things that we never questioned before are now being researched in depth, and new dietary restrictions are being imposed on us every day. Of course, most people can get by without having to impose any special dietary restrictions on themselves, and feel just fine. There are others, though, that require special considerations for their diet. If you haven’t been feeling well or you’re just worried that your diet might be leading you to gain more weight or be sicklier than you should be, then you may need to make changes to your diet. You shouldn’t just start removing or adding things to your diet willy-nilly, however – there should be a method to the madness. By starting yourself on an elimination diet, you may be able to pinpoint what it is that might be making you feel ill or causing the health problems you may be experiencing.

What’s an Elimination Diet?

An elimination diet is a process that you may need to start if you have been having digestive issues. If you’re struggling with food insensitivities and allergies, then it might be time to try eliminating certain foods from your diet. Elimination diets are a good way to try and see what might be ailing you, because food allergy testing is often expensive and inaccurate. Of course, you’ll still want to see a doctor if you have been struggling with digestive issues – but an elimination diet is a good way to start making changes in your diet that could make you feel much better. You have to eliminate certain foods from your diet for a short period of time, usually about a month or so, and after that time has elapsed you begin slowly introducing certain foods back into your diet. At that time, you can track the changes in how you feel, and this is usually enough to see what sorts of things may be causing issues with your health. You need to give your body enough time to adjust to the new diet to see what might really be ailing you, but it will generally be an easy process if you take the effort to keep track of what sorts of things you’ve been eating.

How to Get Started

Keep Track Of Your Regular Eating Habits

Keep Track Of Your Regular Eating Habits

To get started with an elimination diet, it is important to keep track of your regular eating habits for a short while. Make lists of what you eat, when you eat, and how much you eat. Then make note of how you feel during the day and what issues you have, if any. This is important because you will be comparing it to how you feel during the elimination diet, and it can really help you discover what some of the issues are. It may even become somewhat obvious at first when you are taking note of what you eat and when you feel sick. Of course, there could be a variety of things causing certain issues, so you will still want to continue with the elimination diet if the results are not clear.

Excluding Various Food Items, and How Long to Do It

The point of an elimination diet is to start removing certain food items from your diet. If you note that you often feel sick after eating gluten-heavy food items, then you may want to start eliminating gluten from your diet. Do this over a period of a few weeks to a month in order to properly keep track of the results. Usually, a month without the food item in question will be enough to give you proper results. Then you will want to reintroduce the food item that you eliminated and see how you feel once it is back in your diet. Chances are you’ll notice a difference if it was what was making you feel ill.

What to Do with Your Results

Now You Can Change Your Eating Habits And Get Healthy

Now You Can Change Your Eating Habits And Get Healthy

Once you’ve done an elimination diet, you may be wondering what to do with the results. If you suspect that you have a serious food allergy or intolerance, then you need to go to a doctor or healthy living specialist to see what they have to say. It may just be time to continue excluding that food item from your diet unless you think there could be something more serious at hand. Either way, it’s a good way to get started improving your health if you’re not feeling in top health.

#Elimination Diet#Fitness#Food#Health#Healthy Diet

Written By Jasmine Day, in Every Post, Career Items

You Are Your Business’s Biggest Asset: 4 Tips to Unlock Your Potential

Your Company's Greatest Asset Is You

Your Company’s Greatest Asset Is You

You started your business and now you’re in the process of growing it. You have big dreams, and big goals. You might think that your biggest asset is that you snagged a lease on a prime location, or that the nature of your business means that free shipping is easy for you to provide and that it’s boosting sales. When you ask what a company’s biggest asset is, people usually point out their literal assets, ready for reinvestment into new materials, new employees, and new stock. The surprising truth here is that the answer should be you. You, the business owner, are the biggest asset that the company has. It literally would not exist without you. This means that you’ve got a lot on your plate these days. If you think that you’re not serving as your business’s best asset anymore it’s time to step it up. You’re not going to take second place in your business to a pile of cash. You made that money happen, and you’re going to keep doing it. If you’re having a hard time seeing yourself as the bold risk taker who’s going to guide your business to a stable future take these four tips and call us in the morning.

Trust Your Instincts

There’s a difference between "trust your instincts" and "just do whatever you want on impulse." Your instincts shouldn’t be trusted like you’re psychic. You shouldn’t go to Las Vegas and bet everything on one spin of the roulette wheel just because your gut thinks you have a shot. Trusting your instincts means that you have to pick up on the cues that your subconscious already has. A gut instinct is an invitation to investigate. If you have a gut feeling that something’s going on with your employee, you should investigate and make sure that they’re not dipping into the till. You should take a second, deeper look at that investment opportunity because your subconscious noticed something it likes and you should find out what that is. Trust your instincts to point you in the right direction and then get facts to prove yourself right.

Always Get Varying Opinions

Listen To Other Opinions.. Not Just Your Own

Listen To Other Opinions.. Not Just Your Own

Never read just one newspaper. Don’t trust just one financial source and consumer report. Always try to get in as many opinions as possible because it’s just possible that you could be wrong. What you should do is get all the interpretations you can on an event like a stock market surge or fall, think it over yourself, and decide for yourself which version of events seems more likely. Using your own judgment will only help you if you have a variety of things to decide between. Otherwise you’re just going to be telling yourself something that you had confirmed by a single source.

Keep in Touch with the Ground Floor

In order to boost your potential you need to keep in touch with the ground floor. It might be a long time since you had to work a customer service desk but you should still keep in touch with everything that goes on there. You should never have to admit that you don’t know the protocols for various positions in your company. How could you be making plans for them when you don’t even know yourself what they do?

Get a Staff That Complements You

Pick The Right People To Work With

Pick The Right People To Work With

You’re your company’s biggest asset, but it doesn’t follow that you’re perfect and no one can criticize you. You should be aware of your own limits and weaknesses. Then you should build a team that will cover the things that you’re weak on. Hire so that your team together is good at everything and don’t bother looking for that mythical employee who really is good at everything. The best that you can do is cover your weak spots so that you can focus on your strengths, and so can the rest of your team.

#Business#Career#The Staff Complements You#Trust Your Instincts#Unlock Your Potential#Your Business’s Biggest Asset