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World Cup Economics Effect

World Cup Economics Effect

Eight Tips That Will Help You Spend Less And Pay Lower Interest On Your Debt by Michael Redbourn

Many people have taken on much more debt than ever before because of the ongoing financial crisis, and they're now having major problems making their monthly payments, and to make things even worse they don't know that there several simple things that they could do that would make their lives simpler.

Following, are eight well tried and tested tips, and they will help anybody and everybody that really wants to get debt free.

1) Reduce Your Outgoings

Reduce your spending by as much as is possible without becoming a martyr.

If you go to extremes, then you'll likely give up and then go on a spending binge, which is not what's needed.

Just doing simple things like cutting out a daily latte coffee which costs around $4 a cup will save you perhaps $80 a month, and taking food from home a few times a week might save you hundreds of bucks more.

2) Visit The Supermarket Less Often

a) The whole psychology behind supermarkets is to make customers buy much more than they intended to, so every time you enter one you'll most likely purchase things that you don't need.

b) Always take a shopping list to the market, and don't buy things that aren't on it, unless you really forgot something or really need it.

3) Don't Buy Any Credit Card Insurance

Credit card companies make a lot of money selling several kinds of insurance that hardly anybody needs, so check if you're paying for it, and if you are - then cancel it!

4) Get Rid Of Your Telephone Landline

It's unlikely that you need a cell phone and a land line, and cell phone companies are offering great deals now with unlimited talk-time, and you can also use free programs like Skype and GoogleTalk to chat with people all over the world for free.

5) Drink Tap Water

a) Tap water is far more regulated that bottled water, and in taste tests around the country, tap water came out tops almost every time.

b) 40% of bottled water is simple tap water, and some brands have additives and others don't, and many of the additives are actually unhealthful if you don't change brands on a regular basis.

6) Cut Back On The Cable TV

Take a careful look at your cable package and see how many programs and extras you're paying for that you actually watch or need, and cancel the rest, if it will save you money.

7) Use Zero Percent Credit Cards

In spite of the credit crunch there are still lots of credit cards companies that offer zero percent introductory offers and it's a great way to save money and get a debt paid off far more quickly.

It's very important to note when the higher rate kicks in however, and to pay off the card with a new zero rate or low rate credit card before the higher rate kicks in, and be very careful to check out how much you'll being charged to transfer an outstanding balance from one card to another.

You gained nothing and might even lose money if the fee will cost more than you'll save on interest.

8) Ask Companies For A Lower Interest Rate

Many companies, if not most, will lower their interest rate if you simply ask them to and they believe that it's in their interest to do so, but be sure to ask if it's going to affect your credit rating.

Few people seem to realize that the better your credit rating is, the less interest you have to pay for loans, and a good rating also makes it much easier to change the loan that you have for one with lower interest, so try to take care of your credit rating if it's a good one. If your rating is already in the pits however, then it goes without saying that you should just try to get the lowest interest rates from everyone that you can, because the effect of renegotiating a loan won't effect it much.

If you follow as many of the above tips as possible, they'll help you a great deal but if you do decide to go the debt settlement or debt consolidation route then only go with a BBB (Better Business Bureau) recognized company, and if you're in an even worse state and are considering bankruptcy, then many lawyers in your area will be more than happy to give you a free appraisal, but be aware that because of the filing fees and charges, that even the most simple bankruptcy will cost you at least $1000 which seems crazy, but is true.

The author of this article was a film producer, and award winning film sound editor for many years. He has a passion and a flare for economics, and one of his websites -> Pay Off Debts features a large number of highly popular articles about the world's economy in general, and debts, debt settlement, debt consolidation and bankruptcy in particular.

Article Source: http://www.earticlesonline.com/Article/Eight-Tips-That-Will-Help-You-Spend-Less-And-Pay-Lower-Interest-On-Your-Debt/646023

World Cup Economics Effect

Eight Tips That Will Help You Spend Less And Pay Lower Interest On Your Debt by Michael Redbourn

Many people have taken on much more debt than ever before because of the ongoing financial crisis, and they're now having major problems making their monthly payments, and to make things even worse they don't know that there several simple things that they could do that would make their lives simpler.

Following, are eight well tried and tested tips, and they will help anybody and everybody that really wants to get debt free.

1) Reduce Your Outgoings

Reduce your spending by as much as is possible without becoming a martyr.

If you go to extremes, then you'll likely give up and then go on a spending binge, which is not what's needed.

Just doing simple things like cutting out a daily latte coffee which costs around $4 a cup will save you perhaps $80 a month, and taking food from home a few times a week might save you hundreds of bucks more.

2) Visit The Supermarket Less Often

a) The whole psychology behind supermarkets is to make customers buy much more than they intended to, so every time you enter one you'll most likely purchase things that you don't need.

b) Always take a shopping list to the market, and don't buy things that aren't on it, unless you really forgot something or really need it.

3) Don't Buy Any Credit Card Insurance

Credit card companies make a lot of money selling several kinds of insurance that hardly anybody needs, so check if you're paying for it, and if you are - then cancel it!

4) Get Rid Of Your Telephone Landline

It's unlikely that you need a cell phone and a land line, and cell phone companies are offering great deals now with unlimited talk-time, and you can also use free programs like Skype and GoogleTalk to chat with people all over the world for free.

5) Drink Tap Water

a) Tap water is far more regulated that bottled water, and in taste tests around the country, tap water came out tops almost every time.

b) 40% of bottled water is simple tap water, and some brands have additives and others don't, and many of the additives are actually unhealthful if you don't change brands on a regular basis.

6) Cut Back On The Cable TV

Take a careful look at your cable package and see how many programs and extras you're paying for that you actually watch or need, and cancel the rest, if it will save you money.

7) Use Zero Percent Credit Cards

In spite of the credit crunch there are still lots of credit cards companies that offer zero percent introductory offers and it's a great way to save money and get a debt paid off far more quickly.

It's very important to note when the higher rate kicks in however, and to pay off the card with a new zero rate or low rate credit card before the higher rate kicks in, and be very careful to check out how much you'll being charged to transfer an outstanding balance from one card to another.

You gained nothing and might even lose money if the fee will cost more than you'll save on interest.

8) Ask Companies For A Lower Interest Rate

Many companies, if not most, will lower their interest rate if you simply ask them to and they believe that it's in their interest to do so, but be sure to ask if it's going to affect your credit rating.

Few people seem to realize that the better your credit rating is, the less interest you have to pay for loans, and a good rating also makes it much easier to change the loan that you have for one with lower interest, so try to take care of your credit rating if it's a good one. If your rating is already in the pits however, then it goes without saying that you should just try to get the lowest interest rates from everyone that you can, because the effect of renegotiating a loan won't effect it much.

If you follow as many of the above tips as possible, they'll help you a great deal but if you do decide to go the debt settlement or debt consolidation route then only go with a BBB (Better Business Bureau) recognized company, and if you're in an even worse state and are considering bankruptcy, then many lawyers in your area will be more than happy to give you a free appraisal, but be aware that because of the filing fees and charges, that even the most simple bankruptcy will cost you at least $1000 which seems crazy, but is true.

The author of this article was a film producer, and award winning film sound editor for many years. He has a passion and a flare for economics, and one of his websites -> Pay Off Debts features a large number of highly popular articles about the world's economy in general, and debts, debt settlement, debt consolidation and bankruptcy in particular.

Article Source: http://www.earticlesonline.com/Article/Eight-Tips-That-Will-Help-You-Spend-Less-And-Pay-Lower-Interest-On-Your-Debt/646023

World Cup Economics Effect

Are You Winning The Stress Battle? by Eileen Silva

Traffic! High prices! Unemployment! Terrorists! Stress! Stress! Stress! Battling stress is a common problem in America today. It affects rich and poor, young and old, alike. How well do you recognize this enemy's effects? Have you prepared good battle plans?

I'm sure you recognize that people who suffer from headaches, chest pain, pounding heart, high blood pressure, clenched jaws, angry outbursts, and grinding teeth have unhealthy amounts of stress in their lives, but there are other symptoms that you might not so readily associate with stress. For example, would you think of stress if you experienced forgetfulness, insomnia, tight and sore muscles, hyperventilation or shallow breathing, fatigue, constipation or diarrhea, irritable bowel syndrome, hives, decreased sex drive, binge eating, depression, or loss of appetite? Yet, all of these are possible results of the effects of stress on the human body, mind, and emotions.

With these reactions, and many more unhealthy and traumatic results on your daily life, stress is indeed an enemy to battle. I suggest that you battle it on two main fronts: the Pre-stress Front and the Post-Stress Front. First, take steps to avoid stress as much as possible. Then, learn to recognize stress when it happens and to minimize its effect on your body.

While you cannot avoid all instance of stress, you can prevent some attacks by adopting the "regular habits" approach to life. Whenever possible, create regular habits for yourself like regular wake and sleep hours, mealtimes, exercising schedules, work and play schedules, dietary habits, housekeeping habits, and health maintenance. In addition, avoid sweets, caffeine, nicotine, alcohol, overtime, and self-doubt or self-condemnation. Realize that any change in your routine or lifestyle creates stress, even if that change is a pleasant or planned one. Even happenings in our friends and loved ones' lives affect our stress levels.

Balance is a key word in reducing stress. Spend healthy amounts of time relaxing and sleeping as well as working and exercising. If you work or live in a stressful situation, spend as much time as possible in a peaceful environment to balance out the load. Just as your body needs balance in nutrition, body pH, water intake, exercise, and body system functions, so your mind and emotions need balance in exercise and rest, activity and relaxation, and social time and private time. Make plans to see to your own personal needs as well as to fulfill your obligations to others. If you don't take care of yourself, you soon won't be able to take care of anyone else.

Despite your best efforts, you will experience stress in your life . . . at home, at work, out in the world, or just watching the evening news. When these attacks come, recognize them and retaliate swiftly to minimize the effects on your body. When you realize a situation is stressing you, step away from the problem and relax a few minutes, calm yourself, and rethink the situation. Avoid stressful relationships, situations, and places when you can. Regularly take action to get rid of stress and to prevent its buildup in your body. Exercise, dance, run, climb, breathe deeply, play racquetball, have a good cry, visit your favorite spa, or go shopping; do whatever relaxes you, works out unhealthy stress hormones, and takes your mind off stressful things for a while.

Don't forget one of the best stress-busters laughter. I'll never forget that when I was a Home Economics teacher, one of my students invented a recipe, which erroneously listed "1 cup of chicken breath" as a key ingredient. I first read the recipe at 2:00 AM and burst into hysterical laughter. I shared his chicken breath recipe with the other teachers, my students, and my family. To this day, I smile when I think of it.

Dr. Paul E. McGhee, professor and researcher reports that "body's healing system responds favorably to positive attitudes, thoughts, moods, and emotions (e.g., to love, hope, optimism, caring, intimacy, joy, laughter, and humor), and negatively to negative ones (hate, hopelessness, pessimism, indifference, anxiety, depression, loneliness, etc.)" Dr. McGhee explains that laughter relaxes muscles, reduces stress hormones, and enhances the immune system. It can even reduce the awareness of pain in some patients. All in all laughter is an all around health enhancer and it just plain makes us feel good.

Unfortunately, today's fast-track world leaves little opportunity for naturally occurring relaxation. We must be responsible to create those moments for ourselves. Don't let stress catch you unaware. Be ready to attack and defeat this ever-present enemy.

Eileen Silva, Ph.D., N.D. is a metabolic health balancing expert, talk show guest, and lecturer. Dr. Silva is also an individual, group, and corporate weight management consultant. Contact Dr. Silva at http://www.dreileensilva.com

Article Source: http://www.earticlesonline.com/Article/Are-You-Winning-The-Stress-Battle-/127668

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