3 Signs You Should Rethink Your Finances

financesIt always pays to set aside some time every few months to analyze your financial situation and make any necessary changes. Ignoring your finances is a huge mistake, and can easily lead to debt and bankruptcy in no time at all.

Here are 3 signs you should rethink your finances:

You struggle to pay the utility bills

Let’s face it, paying the utility bills is essential if you want to keep the electric, gas and water turned on in your home. If you never have enough money at the end of the month and paying the bills is a struggle then you must make some changes.

One solution is change energy companies where you are able to get cheaper rates and a better deal. For example, a company such as Enmax are well known for offering some of the best prices in North America.

You are constantly applying for loans and credit cards

Are you constantly using up loans and maxing out credit cards? Perhaps every couple of months you need to take out loans just to pay off your current loans? This kind of situation quickly becomes a vicious cycle, and in no time at all you can find yourself deep in debt with nowhere left to turn.

The best solution is to get help. Speak with a debt charity and listen to what they tell you. They might even be able to negotiate with the loan companies on your behalf in order to reduce the monthly payments. Once you have greater control over the situation then stop applying for loans and credit cards.

You run out of money as soon as you get paid

If money is coming into your bank account only to go straight out again then it’s time to rethink your finances. Put simply, you are probably spending money on things you don’t really need, so in order to reverse the situation it is a good idea to make a list of all your monthly expenses and then cut out things that are not essential.

Also, this might be a sign that you need to earn more money. Ask about some extra hours at work, consider a change of career, or even start a business at the weekends for more extra cash.

The final word

Understand that nothing happens until you take action. Rethinking your finances is one thing, but actually doing something is what separates the people who are successful and those who sink further into debt and money problems.

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CoQ10 Supplements – Pros and Cons

If you read the vast majority of CoQ10 supplement reviews online then you will see they are mainly positive. That’s because it really does work, and if taken on a daily basis you could potentially see huge changes in your overall health and wellbeing.

However, that’s not to say that CoQ10 supplements are some kind of miracle drug that will transform you into a superhero…there are some disadvantages and side effects that you should be aware of before parting with your cash and buying a bottle.

Pros:

Healthy heart

The biggest reason why people take CoQ10 supplements is to prevent or treat heart disease. In a nutshell, CoQ10 helps to repair and create new cells around the heart, which means it can increase production and go a long way in making sure your heart is as healthy as possible.

More energy

Another benefit for users of CoQ10 supplements is more energy, and this is because it helps to break down food quicker and extract all of those valuable nutrients around the body. You will definitely start to feel the difference in your energy levels once you start taking CoQ10.

Antioxidant properties

For maximum health it’s important that you get rid of toxins out of your body quickly and efficiently. This is where CoQ10 works its magic, as it contains powerful antioxidant properties that get to work and leave you feeling great.

Cons:

Low blood pressure

In some cases it has been noted that taking Coq10 supplements has caused the side effect of low blood pressure. This is why we recommend having a blood pressure monitor at home so you can check your blood pressure on a regular basis, and also, if you feel dizzy or unwell at anytime then visit your doctor as soon as possible.

Diabetes

Although CoQ10 can help people with diabetes, it’s essential that you seek advice from your doctor first if you have this condition, as any change to diet or nutrition must be looked at and approved by a medical professional.

Not cheap

Let’s face it, buying CoQ10 supplements every month starts to add up, and if you are on a tight budget then it can be hard to justify spending the money.

Try looking for deals on CoQ10, such as “buy 3 bottles, get 2 free” and “buy 1 get 1 free” in order to make your dollars go further. Just be aware of very cheap CoQ10 supplements as these could contain harmful artificial ingredients.

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8 Energy Saving Tips Anybody Can Follow

energy ideaIt’s common knowledge that we all should be doing more to save energy, not only for the environment but also to save money on your utility bills. The main problem is knowing where to start…what kind of things can you actually do to save energy?

Below are 8 energy tips:

Turn the thermostat down

A nice little tip is to turn your thermostat down just slightly. Only a few degrees can save you $100 a year.

Wear extra clothing

When it starts to get colder don’t instantly turn on the heating. Instead, put on a jumper, double up your socks, have a blanket over you while sitting down, and even put on a hat! Basically, only use the heating when it starts to get really cold.

Less shower pressure

Taking a power shower often feels invigorating, but it is energy efficient? Unfortunately not, and this is why people are now being actively encouraged to turn down the the pressure on their shower in order to use less water.

Cook efficiently

One of the easiest ways to save energy around the home is to cook efficiently What does this mean? Well, instead of cooking meals every day, you should aim to cook a few meals in one go, which then leads to using the oven less.

Fill your dishwasher and washing machine

Do you find that you have the habit of using appliances such as the dishwasher and washing machine when they are only half full? If this is the case, then stop immediately as you are wasting valuable energy. Always fill them completely to save the most amount of energy possible.

Switch energy company

You should seriously consider switching to a company such as PPL if you want to save energy, and most importantly, money!

Get rid of the tumble dryer

The vast majority of households now have a tumble dryer to help with drying clothes, but in the vast majority of cases these machines use up an obscene amount of energy. With this in mind, it’s probably a good idea to get rid of the tumble dryer and start drying all your clothes outside.

Insulation

Another energy saving tip is to get as much insulation as you can in order to stop valuable heat from leaving the house. This means wall insulation and loft insulation…it’s a great way to save money during the winter.

Conclusion

Hopefully the energy saving tips above have given you some ideas on how get started. Now it’s time to put everything you’ve learned into action…

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How Antioxidants Can Help You Age Gracefully

middle aged womanIf there’s one thing that you simply can’t avoid, it’s getting older. Aging has its share of benefits – growing older often corresponds with growing wiser, after all – but there are plenty of things to not enjoy. However, there’s a way to minimize the impact of aging: increasing the amount of antioxidants in your diet can help you age much more gracefully. Here’s how they work.

Fight the Future

Our bodies naturally accumulate many different substances as we age. One such category of these substances is called free radicals, and they’re one of the biggest culprits when it comes to the physical effects of aging. Free radicals cause cellular decay through oxidation, and it’s this oxidative stress that makes us look and feel old. However, increasing the number of antioxidants in your body is the perfect way to control free radicals. Antioxidants bind together on a molecular level with free radicals, which makes them completely harmless and stops oxidative stress in its tracks.

Bulk Up on Antioxidants

The best way to increase the amount of antioxidants in your body is to either begin taking daily dietary supplements or to incorporate more foods that are antioxidant-rich into your diet. Many of the best foods that are high in antioxidants are brightly-colored fruits and vegetables that also happen to be high in fiber and other nutrients such as essential vitamins. This doesn’t mean that you can’t find good sources of antioxidants in meat and dairy products, but far and wide the best source for antioxidant foods will be found in the produce aisle at your local supermarket.

Sometimes You Need A Little Help

That being said, there’s a role to be played by antioxidants in supplement form as well. There’s any number of excellent supplements available commercially, and these are especially useful for anyone who can’t increase their antioxidant input because of dietary restrictions or allergies. Nutritional supplements are also useful in cases where the antioxidant in question isn’t present in large enough quantities in food items. A good example of this is how difficult it is for the human body to derive ceramides, which are antioxidants that are excellent in keeping your skin healthy and young-looking, from dairy sources. An excellent alternative is to take a supplement made from plant-based phytoceramides instead, which provides a supercharged boost to the antioxidants needed to strengthen your skin and fend off oxidative stress.

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