Most Common Money Mistakes People Often Make

Usually, wonder how your hundreds of dollars soon become zero dollars like robbers robbed you? The truth is, for lots of people, more or less money means more problems; precisely, more financial mistakes. Fortunately, it doesn’t have to be that way, as you too can exit the league of spenders who can’t handle their finances properly. For instance, there are smart ways to use your tax refund than letting it go down the drain. 

So, to guarantee your financial security and help you be in control of your finances, you should familiarize yourself with the most prevalent money blunders ever recorded. This way, you can gradually move to a more financially prosperous life.

So, what are these prevalent money mistakes?

1. Lack of Proper Budgeting

As affluent as America maybe, she still practices budgeting. How much more everyday individuals. If you must stop spending by accident, you need to start spending purposely. The only way to achieve this level of financial control is by allocating a specific amount of money to your needs and strictly adhering to your budget. Moreover, budgeting can help you have more stable finances that’ll enable you to meet both your short and long-term goals.

To create a reasonable budget, start by comparing your income to your expenditure. Afterward, allocate money for your basic needs. Then you can save whatever is left.

2. Late Payment

Sometimes, unconsciously, you may think delaying the payment for a regular bill on a house or car means eating your cake and having it back. However, forming the habit of making a late payment is detrimental for your financial prosperity, as you can incur more charges for not paying on time. Delaying payment also means carrying over your expenses, which in turn affects your financial stability for another month. More so, this bad financial habit may hurt your credit score, thus, implicating your finances in times to come.

To fix this unprofitable behavior, be determined, and ensure to make payment before payment time elapses. Fix any expenditure problems affecting your timely payment of bills, and ensure you spend according to your budget.

3. Utilizing Credit Cards for Everyday Spending

It isn’t financially healthy to rely on your credit cards for your everyday expenses. This habit can accumulate enormous debt for you in a little while. Moreover, the chances are high that you become more mindless of your expenses when utilizing a credit card for your routine expenditure because you tend to spend more as a result.

Another disadvantage of relying on your credit card for everyday expenses is that you may run into debts and pile up interest on payments that are due.

To become more financially buoyant, we advise that you adopt the habit of complying with your budget. 

4. No Health Insurance

Your financial stability is highly related to your choices. Someone who has health insurance coverage in place is more financially secured than an individual who merely hopes that the unfortunate never happens. As there are increasing risks for health failure, to avoid unexpected expenses, get proactive, and obtain a health insurance policy that can cover most of the cost of any health crisis. You may seek further advice from an insurance agent before settling for any policy.

5. No Retirement Plan

You may be 40 or even in your 30s. However, you’re not too young to start planning for your retirement. This action will save you from entirely depending on other people when you fall out of the labor force group. You can also be an advocate of this development because it’s also a win for you when you have a circle of financially confident friends.

Mind you, don’t confuse pension for a retirement plan. The first leap you must take towards your retirement plan is having a retirement corpus in place so that you can get the best pension.

6. Resigning from your Job or Keeping a Bad Job

It’s never okay to resign from work when you have no feasible plan to tackle your expenses. Moreover, when you leave your job, you lose the right to unemployment insurance, which can lead to a devastating financial crisis. What’s best to do is to search and get employment before quitting. This strategy will help avert any financial problem and gap in your employment background.

Another thing that may harm your finances is keeping a job that gives no chance for development or salary increase. If you’re in this boat, you need to have a blueprint to switch to a profitable job. Moreover, you can learn a new skill while even employed.

7. Lack of Identity Theft Protection

A typical money mistake people make is the lack of protection against identity theft. Saving money while enjoying a quality life, the perfect retirement planning, and health insurance coverage wouldn’t be good enough without adequate protection against identity theft.

Get an identity theft protection that monitors your personal information and that of your loved ones who may be at risk of fraud at any time. A Lifelock family plan can secure your kids, aged parents, and yourself. There are other identity protection companies too that can help you monitor your finances and identity, for instance, Identity Guard, which is on the cheaper side.

However, if you’re not sure about the service you should purchase, you can make a comparison like Identity Guard vs Lifelock. From there, you’ll find the best identity theft protection plan tailored to meet your need and budget. If you commit any of the above financial mistakes, you should correct such misstep for a more fulfilling financial life so you can reach your goals in life. You’ll greatly appreciate that.

Must-Have Home Appliances to Boost Your Inner Strength

There is a thin line between your physical and emotional health. Once you are good on the outside, the inside is also perfect.

It finds a way to rejuvenate to compensate for the new you. Inner strength comes from many factors. Life comes with challenges; in times of severe life storms, your inner strength dictates whether you pass it or it passes you.  

What you do before or after such passing wind determines your emotional strength.

 Jennifer Maanavi, a long-term life coach and the founder of Physique 57, knows too well, your inner self is a result of your outer self.

He continues to emphasize the need to take good care of your physical body through workouts and eating healthy foods to support your mental acuity.

 Once you are in a stable mental state, emotions and feel-good hormones are automatically secreted, leading to the beautiful smile you see in people despite what happens in their lives.   

How best can you maintain a good physique?

  • Drink lots of water
  • Let exercise be part of your daily schedule
  • Reduce fast foods and increase fruits and vegetable intake
  • Have a good sleep
  • Relax

You notice the above daily practices don’t need a bank loan to implement. You only need to invest in the right tools and equipment to make work easy for you.

Must-Have Home Appliances to Boost Your Inner Strength

The weather plays a significant role in your physical body status. During winter, you must keep warm while indoors or outdoors.

During summertime, everyone wants to feel the sun, but when in excess, you need a control mechanism. Here are home appliances to invest in to improve your physical health and, in turn, your emotional wellbeing.

1. Evaporative coolers

The rise in global temperatures brings about unbearable heat. It’s worse during summer for the temperatures rise beyond the optimum levels.

 The intense heat makes a home fan a useless device due to technology.

As the name suggests, an evaporative cooler is a perfect solution for hot and dry areas to reduce the temperatures and humidify the home.

 It acts both as a cooler and a humidifier. The appliances increase the moisture content within the room and then cools the air using the evaporation principle.

A regulated body temperature supports the proper functioning of the body systems. The uncomfortable state as a result of the heat leads to emotional instability.

 In that state, you can’t think straight. You are irritable and picky. Do you think, at that time, you can handle any form of the storm in your life?

 It’s time you make a hasty decision which you may regret later in life.

2. Portable electric heaters

Similarly, the extreme winter weather characterized by low temperature affects your physical health when you lack the right gear to combat the cold status.

The shivers, respiratory-related illness, and general uncomfy situation mean you have to do something to counter it. 

A portable electric heater might be the solution at this time. Its ability to regulate the temperature to desired levels makes you relax.

With a settled mind, your emotional state is also restored. What else do you need to boost our inner strength?

3. Water heaters

The feel-good hormones aren’t automatically released to the system to produce good emotions and a positive attitude.

Something triggers their generation. A slow and warm bath is one such trigger. The warm water from the heaters aids in proper blood circulation and relieves you of muscle pains and inflammation, among other benefits.

All these strive towards appropriate emotional health. Naturally, an emotionally healthy person never rushes to make decisions; he is in charge of his emotions, feelings, behaviors, and thoughts.

That is the key to your inner strength.

4. Multipurpose blenders

We talked about eating plenty of fruits and vegetables for your physical health. To break the monotony in the consumption state, you can choose to have them in liquid form-juice.

They come in many forms; therefore, a multipurpose juicer is an ideal appliance to ensure you enjoy the benefits of drinking.

“An apple a day keeps the doctor away,” a common English saying. Its words are deep; the apple stands for the fruit.

Juices prevent diseases and minor illnesses. Since when were you stable in the mind even when having a headache.

You need that healthy body to support your inner emotions.

5. Gym equipment

Physical exercises and workouts is a broader term that others misuse or instead use it as an excuse for not engaging in fitness activities.

Walking and jogging in the hood is an exercise. For busy people, some simple gym equipment is vital to ensure you have 30 minutes of aerobic activity while at home.

Depending on what you want to achieve, here are a few options to try

  • Tummy trimmer
  • Treadmills
  • Dumbells
  • Fitness stationary bike
  • Indoor rowing machine

Physical exercise has numerous benefits; specifically for inner strength, it is responsible for boosting your confidence and self-esteem levels- weight loss.

For the older generation, it supports good thinking and proper judgemental skills now that it sharpens the brain through the replenishment of the old cells.

 Its overall effect is an improved inner self.  

What you do with your physical body translates to your thoughts, behaviors, emotions, mental sharpness, and skillset.

Once you have an issue about your behavioral response- anger issues and attention-related challenges- have an overhaul of your physical activities.

That is the beginning of the problem.

How Bloggers Can Secure their Digital Systems from Hacking

Your hard-earned cash from blogging needs secure digital security systems. Without this, one day, you will wake up with zero account balance. The untapped potential in blogging gives writers leverage for making big chunks of cash either through passive and active income.

The opt-in website automation creates a weak point for hackers to access your website and further your bank account. Therefore, experts in prevention and recoveries come in handy to give you time to focus on essential things- monetizing your site rather than constant checks on whether your money is intact or not.

Why opt for a home security system as a blogger?

  • Cash refunds

Who do you turn to when you have all your cash transferred to an unknown account? Identity guard is an insurance platform to give you all the required protection against online fraud. As a member, in case you fall, victim, you are sure of the money-back guarantee. Is that not a good deal?

 Your membership is not the ultimate solution; enrolling in the right plan that covers your needs is the real deal. Read between the lines and be sure it covers the said benefits as you digest all the terms and conditions.

Delegate the difficult task of monitoring your financial transactions to concentrate on getting new clients and followers to your blog.

  • 24/7 monitoring service

How fulfilling is it when you sleep soundly knowing too well there is an expert responsible for 24 hours a day, seven days in week prevention from any form of financial malpractice.

The core business of the home security system is the constant monitoring of your bank accounts, including IP addresses, to detect any fraud. Besides, the secure digital systems they posses come in handy to ensure you get all you need.

  • Anti-virus protection service

Malware and viruses are common online threats to the work of a blogger. The free or paid versions might not offer the right security, especially when financial services are part of the deal.

Therefore, the correct digital systems provide the necessary prevention tools to avoid any manner of fraud. They understand the mutation procedures to ensure you get the modern online structures for maximum protection.

  • End-to-end encryption apps

Encryption is a must-have feature in any digital system. We are living in a world where the earth is a global village. How sure are you if your texts and all manner of communication, including financial status, remain intact to authorized personnel? It’s a question only the home security solution experts can answer.

Hackers are smart than you assume; when you think you have managed sealed all the internet loopholes, they have designed several others to counter your intelligence. It’s upon you to engage in 24-hour surveillance as you learn all the ways to combat this online menace.

  • Family protection

The advantage of the digital systems is the numerous plans that cater to even your family. Your spouse and children also require the benefit of these solutions for an all-round money protection strategy. Online fraud on any of them directly affects your emotional well being.

  • Alert system

Without a financial alert system, you only notice an anomaly at the end of the month from your bank statement. It may be too late to report or even take any substantive action. A theft protection service is a vital component in the system.

 Once they are any money transactions, you are immediately notified; if in doubt, you can quickly take action.

Despite the hypes about this valuable service, nothing is always perfect. It’s prudent to understand the disadvantages of this system.

First, the possibility of a financial loss is very high, especially when there is a breach of contract. You must be in line with all the tax compliance regulations to benefit from the 100 percent money compensation.

Secondly, criminal identification is also subject to specific terms. It explains the 30- day trial period to give you a chance to decide if you want to continue or not.

 Lastly, the financial loss is inevitable if you don’t take a personal responsibility to cover your bank accounts. As much as you have the protection, you can’t afford to be careless with your security features within your systems.

 Let’s shift focus and look at how to start. Consider the following factors before you make a decision

  • The pricing plan
  • The free 30- day service with a money-back guarantee
  • The services offered for each plan
  • The needs you want to be covered in the package

The answers to these questions equip you with the knowledge on how to go about it. Identify a reliable service provider. Set an appointment. Have ample time to get all the detailed information, including the terms of service. It’s the chance to ask all the questions. In the meeting, be flexible; your dynamism gives the sales executive an easy time to advise on the best plan based on your business. You may choose a higher pricing plan, yet the services you require for your investment are covered in the basic one. Is there a need to waste your money?

Generally, as long as you are tax compliant, and you are doing a clean blogging business, a home security solution is your savior in the digital space.  Use it wisely to move your business to the next level. Don’t allow ignorance to take center stage in decision making. It’s like insurance; it’s all about taking risks.

Wieso ich Kaffee liebe

Kaffee ist mein Lieblingswort! Wieso? Ganz einfach – es wirkt für mich wie ein milder und schöner Wecker der mich wieder zum Leben erweckt. Nichts hilft mir am Morgen mehr als ein Kaffee. Ich bin nämlich keine Morgenperson und ich hasse es, vor dem Kaffee zu reden, oder irgendetwas anderes zu tun. Ich nehme mir immer morgens Zeit für meinen Kaffee. Es ist so was wie ein Ritual. Da darf mich niemand stören, und eigentlich weiß jeder der mich kennt, dass ich ohne dieses Ritual, meinen Tag nicht starten kann. Ich bin einfach nutzlos ohne es.

Doch all das war nicht immer so. Ich habe die Liebe für den Kaffee erst kürzlich entwickelt Und erkannte, dass Kaffee bringt Glück. Früher würde ich einfach nur aufstehen, essen und auf die Arbeit gehen. Ich hatte immer Schwierigkeiten damals, denn ich fühlte einfach dass mir etwas fehlt, dass mich wirklich wecken wird. Ich habe es mit Energy Drinks versucht, doch dass war ein bisschen zu viel für mich. Über Kaffee habe ich nicht so viel nachgedacht. Ich dachte nie dass ich ein Kaffee-Trinker sein werde, denn ich sah keinen Sinn darin. Doch jetzt sehe ich den Unterschied. Ich habe es eines Morgens versucht. Ich nahm eine Tasse Kaffee und habe versucht mir Zeit damit zu lassen. In nur ein paar Minuten habe ich gefühlt dass ich mich gut fühle und bereit bin alles andere zu erledigen was vor mir steht. Da begann meine Liebe für den Kaffee. Es bringt mir einfach nur Gutes und deswegen liebe ich es.

Es geht hier nicht nur um diese Energie die ich vom Kaffee Trinken bekomme, sondern mehr um diese halbe Stunde am Morgen wo ich die Tasse Kaffee trinke. Es ist ein Moment für mich ganz allein. Am Morgen ist es am besten wenn ich ganz alleine mit mir selbst diesen Kaffee genieße. Ich denke über die Verpflichtungen nach, manchmal denke ich auch über die schönen Dinge nach die erst kommen werden. Es gibt mir einen positiven Schub in den Tag. Der Kaffee bereitet mich für alles andere vor was noch kommt.

Es sind noch viele Gründe die meine Liebe für den Kaffee bestätigen, doch ich bin mir sicher dass auch andere die Tatsache mögen dass Kaffee einfach überall so etwas wie eine „Pause“ heißt. Wenn man in der Mitte der Arbeit ist, und wenn man einfach viel zu müde ist um weiter nachzudenken oder irgendetwas zu tun, da nimmt man einfach eine Kaffee-Pause. Der Kaffee kommt hier wieder wie eine Rettung und gibt uns Energie die wir brauchen. Noch dazu, wenn man einen Arbeitskollegen hat, dann ist diese Pause noch besser.

Auch wenn man gelangweilt ist, da ist wieder der Kaffee. Wenn man nicht weiß was man tun soll, und wenn es draußen Regnet, dann kann man einfach einen Kaffee machen und es vor dem Fernseher so richtig genießen. Auch ein Buch dazu zu lesen kann unglaublich entspannend sein.

Deswegen liebe ich Kaffee, weil es für mich immer Erholung bedeutet, und ich bin mir sicher dass diese Liebe nur noch mehr wachsen kann.

Motorrad GPS ist eine hilfreiche Möglichkeit, Ihr Reiseziel zu finden

Ein gutes Motorrad-GPS-System kann eine Katastrophe in einen Triumph verwandeln. Es wird nicht den Regen stoppen, aber es sollte sicherstellen, dass Sie Ihr Ziel erreichen, und zwar mit dem Minimum an Problemen auf der Route, die Sie nehmen wollen. Modernes GPS ist ein äußerst wertvolles Werkzeug, um Navigieren zu einem Kinderspiel zu machen. In der Vergangenheit war es nicht völlig benutzerfreundlich für die unerfahrenen Benutzer, die begrenzte Informationen über Ihre Position hatten. Es war extrem nützlich für einige, wie die im Militär, aber es war von begrenztem Wert für die meisten von uns, die ein einfaches effizientes und zuverlässiges Navigationssystem wünschten.

Doch in den letzten Jahren hat sich sehr viele verändert, und die GPS-Navigation ist jetzt eine zuverlässige, extrem benutzerfreundliche und relativ billige Navigationslösung für jedermann, einschließlich Radfahrer und a Reisekumpel. Moderne Satellitennavigationssysteme, für Motorräder, Autos, Spaziergänger oder jedermann, der ein benötigt, sind extrem gut. Sie sind relativ preiswert, wenn man bedenkt, wie nützlich sie sind. Und mit der Satelliten-GPS-Technologie, kombiniert mit moderner Mapping-Software, bieten sie eine komplette Navigationslösung anders als alles, was zuvor gesehen wurde.

Sie können Ihre Fahrt planen, bevor Sie sie starten, die Details in Ihrem GPS-Gerät einfügen und es wird die gesamte Route für Sie planen und Ihnen sagen, wie Sie zu Ihrem Reiseziel kommen. Dies passiert sowohl durch Bildschirm-Display und Sprachaufforderungen direkt an Ihren Kopfhörer in Ihrem Helm über die moderne Bluetooth-Technologie.

Mit ein wenig Zeit kann jeder lernen, wie man eine Einheit benutzen kann und mit einiger Praxis wird eine neue Dimension zu Ihren Fahrten hinzugefügt, vor allem den langen Fahrten. Und Sie erhalten auch alle Arten von Extras mit einem modernen, engagierten Motorrad-GPS-System, die das Leben ein wenig einfacher machen, wenn Sie auf Ihrem Motorrad sind.

In der Vergangenheit hatten Fahrer mit GPS-Geräten zu tun, die nicht für den Einsatz im Motorrad ausgelegt waren. Sie waren oft als Hand-oder Auto-GPS-Systeme zur Verfügung gestellt, und es fehlten viele Optionen. Aber es gibt jetzt engagierte GPS-Motorrad-Systeme, die speziell für Motorradfahrer konzipiert sind. Sie bieten die Arten von Merkmalen, die für Motorradfahrer viel wichtiger sind als für andere Benutzer. Dazu gehören solche Dinge wie eine Anzeige, die leichter in der Sonne oder beim Regen, zu lesen ist. Nichts davon ist wichtig, zum Beispiel, für den Fahrer eines Autos, aber sie sind extrem wichtig, für den Motorradfahrer.

Die Abdichtung dieser GPS-Geräte wird bei anspruchsvollen Standards getestet, und sie sind so ausgelegt, dass sie mit einer speziellen Halterung verwendet werden, die selbst entwickelt wurde, um Schwingungsprobleme zu minimieren.

Also, wenn Sie eine Motorrad-Katastrophe Reise erlitten haben, und möchten einen Weg finden, um eine andere zu vermeiden, in der Zukunft, betrachten Sie ein gutes Motorrad-GPS-System. Sie machen Motorrad-Navigation einfach und es macht Spaß. Sie werden es sicher nicht bereuen, und Sie werden auch sicher Ihr Ziel erreichen und schnell dort kommen, wo Sie gerne sein möchten. Sie können zwischen verschiedenen Modellen wählen, und sogar auch Apps auf Ihr Handy installieren. Heute ist es sehr viel einfacher, da es so viele Möglichkeiten für Navigation gibt.


I thought I knew who Am I, but here I Am, asking myself, who are you? …

I am on a journey without a destination. I am in a middle of somewhere with no one beside me.
Life can be cruel sometimes. Life is unpredictable.
But here I am reaching for something I don’t know of.
Aside from myself, who else can lift me up?

That’s why I asked myself, who am I?
In order for me to lift myself up, I need to know who really am.
Maybe, that’s the reason why I am on a journey.
To get to know myself better and to answer my questions.

Let me share with you the answers that I’ve got.
Let me give you the lessons life gave me.
Here I am now, standing in the middle, sharing those learnings.
Reflecting on everything that happened.
Lucky enough to survive.

Welcome to my blog!
Come and join us now!