How to Stay on Your Diet and Achieve Success & Save Money

currency manRecent studies have suggested that 85% of Americans and Europeans give up on their diets within the first 2 weeks. With this in mind, it’s no wonder that people struggle to lose weight…if only they had some willpower.

Fortunately, you don’t really need a lot of willpower in order to stay on your diet and achieve success, as long as you follow the basic principles and tips in this article. Ready to get started? Keep reading…

Dieting can also save you money, no more alcohol, trips to the movies or sugary snacks. Plus wholesome food tens to be cheaper and more filling than processed food. So lose pounds and gain dollars with our tips below!

Be realistic

Quite possibly the main reason why so many people end up giving up on a diet is because they are trying to lose too much weight, too soon.

Losing 25 pounds in 3 weeks might seem like a good idea at first, but after a few days you start to feel miserable due to lack of calories. It’s a much better idea to be realistic in order to achieve long term success. Set a goal to lose 2 or 3 pounds a week and keep with that.

Snack sensibly

There is nothing wrong with snacking in between meals when you feel hungry, the key is to do it in a sensible manner. As an example, pork jerky is a very good snack for weight loss, because it has lots of protein and does not have any empty calories.

Give yourself a treat

Research has proven that someone who gives themselves a treat every now and again is more likely to stick to their diet and be successful.

This means if your favorite food is pizza then having a few slices on Saturday night is fine, as long as you don’t eat too much and it is doesn’t tempt you into eating other junk foods.

Exercise daily

One of the main benefits of exercising on a daily basis is that you burn more calories, which means you can eat more food to give yourself energy.

Exercise can be whatever you enjoy or feel comfortable with. Perhaps a run in the local park is a good idea, or playing tennis with your friends? The most important thing is to do something.

Talk with people

Another way stay on your diet is to talk with people who are going through the same thing. This could be on forums or social media, or even with family and friends.

You might also want to look at success stories for inspiration, and especially “before and after” photos that show you what is possible if you are dedicated and prepared to stay on course.

Getting a Credit Card – Pros and Cons

credit cardIt seems that we are bombarded with credit card offers on a weekly basis, but does this means you should get one? If you’ve never had a piece of plastic before then it can be a hard choice to make, especially if you don’t want to find yourself in debt.

Fortunately, making a decision has just become easier, thanks to the pros and cons below.

Pros:

0% interest offers

If you go to a credit cad comparison website such as CreditCard.info then you’ll see cards being offered with 0% interest.

While this is only for a short amount of time, it’s a still a good deal if you are sensible and don’t go spending all of your credit limit.

Secure way to pay

Worried about paying with your debit card online? You certainly don’t want cyber criminals getting their hands on your details.

Thankfully, the situation is completely different with a credit card, mainly because you are protected by the credit card company if something goes wrong. In other words, you can buy with complete confidence and peace of mind.

Improve credit score

Another pro of getting a credit card is that it helps you to improve your credit score. This only happens if you pay off the balance monthly and keep everything in good standing, so make sure you use it responsibly.

Cons:

Easy to get into debt

Unfortunately, millions of Americans do not use their credit cards responsibly, and this is why they are in the middle of debt crisis.

The general rule to follow is, when you can’t afford to pay it back quickly, don’t borrow it. It’s easy to get into debt when making impulse buying decisions Have some control and be sensible.

Hidden charges

If you just miss one monthly payment then expect to be faced with numerous hidden charges, all of which quickly start to add up.

Also, be very wary when drawing money out of a ATM from your credit card, as many banks will charge you a fee on top of the percentage already taken by the credit card company.

You don’t really need it

There are some people that just don’t really need a credit card, and that’s totally fine. Don’t feel like you must have a credit card because everyone else has got one.

Sometimes, the best way to stay financially free is to avoid any kind of loan or credit card and only pay for things when you have the money.

Do Not Buy a Swimming Pool

no poolIt seems that most people want a swimming pool in their backyard, so they can enjoy time in the fresh air and become the envy of all their neighbors

Do you actually need a swimming pool though? Some experts think that for the vast majority of Americans it is a silly purchase, and here is why.

Short season

A lot of places in America only get a few months of sunshine, which means the pool will not be used for 9 months of the year.

Of course, this is not true for all places, and the fact that pool remodeling Costa Mesa companies are working all year round just goes to show that in places such as Orange County a pool is a great idea.

Ultimately though, if you live in a place like Minnesota then a pool is most likely not the right way to spend your money.

Expensive

Anybody that has a swimming pool will tell you straight away…they don’t come cheap. Not only do you have to get the pool installed by a professional company, but keeping it clean and carrying out constant minor repairs all cost you money, and in the end it just might not be worth it, especially if you don’t use the pool that much.

Safety

While children are safe to use pools with adult supervision, there is always the chance they might sneak off for a minute outside without you knowing and then do something like fall in the pool.

If you have young children then it is highly advisable to put a fence around the pool when not in use, so you can have complete peace of mind.

Lawsuits

There have been many cases where people have attended pool parties round a friend or neighbors house, then injured themselves while in the pool and then launched a lawsuit against the pool owner. If you think this won’t happen to you then think again…anything is possible.

The best way to protect yourself is to only invite close friends and relatives round to enjoy your pool, and don’t let your kids bring round their friends. Or you could simply avoid buying a pool altogether.

Selling your home

If you are trying to sell your home in a place like California then a pool is considered an asset because everybody wants one.

However, in a place like New York where the winters are long and cold, it is not high on the priority list for house buyers. With this in mind, it could make it more difficult to sell your home in a timely fashion.

5 Essential Commercial Insurance Tips

insuranceNo matter if you have a small, medium, or large business, getting the right kind of insurance that covers every kind of situation will save you a lot of money in the long run.

You need protection against things like a potential lawsuit from an employee, theft and robbery from your premises, or even something simple like faulty gas scrubbers that require an immediate replacement.

Here are 5 essential commercial insurance tips:

Go with a broker

One of the best ways to find the exact kind of commercial insurance that matches your specifications is to go with an experienced broker.

The reason? Because they will be able to “mix and match” your policy from different insurance companies, so you end up with a unique policy that gives your business the most amount of protection possible.

Shop around

Luckily, there are many brokers out there, which means it’s always a good idea to shop around and speak with a few so you have some bargaining power when it comes to negotiating your monthly premiums.

While you don’t always want to go with the cheapest quote, it doesn’t make any sense to pay outrageous prices when you don’t have to.

Check the policy

Before signing on the dotted line with your new commercial insurance policy always check the small print and terms and conditions. In fact, get a lawyer to do this for you, as they will be able to interpret a lot of the jargon that is often associated with these kind of policies.

Don’t skip this important step, because if something isn’t right with your policy then you might not have full coverage which could leave your business vulnerable.

Make sure you comply

There are many cases where a commercial insurance policy became invalid due to oversights made by the business owner, and this ultimately led to not being able to claim when something happened.

As an example, a policy might state that a certain alarm system must be used on your premises, while 2 security guards must be on site at all times. If this is not followed by yourself, then if something does happen you won’t be covered, so make sure you always comply.

Report incidents immediately

In order to give yourself the best possible chance of success when claiming on your commercial insurance policy, it’s essential that you report any incidents immediately. The longer you leave it, the more chance your claim will be denied, so understand that time is of the essence.

Five Ways You Can Save Money This Christmas

piggy bank and girlIt happens ever year at Christmas. You spend way too much money and then put yourself in a bad financial position for the following year. Wouldn’t it be nice if your bank account was in the green in January? Well, it’s not really that hard to achieve this, especially if you follow the five tips below.

Start shopping in July

For most people, doing Christmas shopping in July seems like madness, but for smart people it’s an excellent way to save money. The reason? Because you can do your shopping slowly, picking up one or two items every week so you spread out the cost over the months leading up to Christmas.

Buy Christmas bags in bulk

Do you ever find yourself paying a huge amount just for one Christmas bag? Never do this again by purchasing Christmas bags in bulk so you always have a supply and also save a lot of money.

Make a list

Before you even think about hitting the shops or going online to buy items, it’s a good idea to make a big list of everybody you need to buy presents for and all of the other things that are essential for a good Christmas. You should then consider setting a budget for how much you can comfortably afford to spend for each item, and once this is set make sure you stick to it and don’t overspend.

Look out for offers

One of the easiest ways to save money this Christmas is by looking out for offers from your favorite stores. As an example, Amazon often run a special offer where you get free shipping on orders over a certain amount, which allows you to save quite a bit of money if you are ordering a lot of items.

You can also find cashback offers from certain stores, as well as discounts that are over 50% off. The key is to always be checking different websites to see what offers are coming up and then plan your shopping accordingly.

Create gifts

A popular trend over the last few years is to create gifts rather than buy them. Not only does this add a personalized touch, but it also stands out and shows that you have put some effort into a gift. You could try checking out a site like Pinterest for homemade Christmas gift ideas, or just simply get out your knitting equipment and start making things like jumpers and socks.