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Thursday, September 21, 2017

Embrace Living On A Budget And Learn To Love It

When you find yourself wallowing in a pit of financial troubles, life can go one of two ways. You could bury your head in the sand, accruing more debt while hoping that it’ll all go away at the same time. Or you could take the bull by the horns, take a step back and reassess your financial situation with the main goal being to clear your debt. The first option is easy but foolish. The second takes guts, courage and a whole lot of planning. However, get it right, and you could be debt free eventually. The financial freedom that you will achieve will be worth the months, maybe even years of frugal living.

Sticking to a budget can be tedious, and the temptation to break free and spend frivolously will always be there. However, there are ways that you can live on a shoestring budget and learn to love it while seeing your debts decrease.

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Start Networking

Head online and join some forums to meet like-minded people who have chosen to live a thrifty lifestyle. By connecting with people who have the same frame of mind as yourself, you won’t feel so isolated in your quest of achieving a debt free life. Explain that you are a newbie and ask questions. Forum members are there to share advice, stories and help you through the initial difficult few weeks of adapting to a less extravagant way of living.

Budget

Set yourself a realistic budget. If you are used to gourmet ready meals and eating out regularly, it’s time to reign it in. Download a free personal budget template from office.com and begin listing all of your current outgoings and start to analyze where you could make savings. That weekly trip to the spa for a massage can go as can the daily cappuccino from your favorite coffee house. These savings, although small, soon add up and can be put towards your debt repayments.

If you are concerned that the capital of your debt is barely being touched and you are having a hard time trying to clear only the interest, it might be time to look into merging your separate debts into one monthly repayment. Head to consolidatingdebt.co where you will find advice on how to apply for a credit card with 0% interest on balance transfers. By placing all of your outstanding debt on this card, any payment you subsequently make will be paying off capital. This means your debt will be easier to manage and will clear much faster.

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New Way Of Life

You may find that you settle into your new way of thrifty living and learn to relish the challenge of finding cheaper alternatives to more extravagant things. If you are used to eating out, the ability to source local, cheap ingredients to create some nutritious culinary creations could reinvigorate your passion for cooking.

If you’ve been an exercise bunny in the past but have had to give up your expensive, exclusive gym membership, you may love heading outdoors and enjoying the scenery as you partake in a free jog, hike or walking session.

Living frugally doesn’t mean living like a pauper. With the right support and a strong commitment to sorting out your finances, you will see the light at the end of the debt tunnel and will be able to reap the rewards of financial freedom.

xoxo,
Therese

Embrace Responsibility - Don't Fight It

No one likes to be in debt – it’s a simple fact. The trouble is, most of the stress that comes from being in debt comes from panicking, worrying and generally fighting the debt that is there. No one will want to welcome debt with open arms, but that doesn’t mean you can’t look at your debt as something to manage, rather than something to fight.
Life comes with a lot of stress and for some, debt attributes to that stress. Debt often equals lack of money, lack of disposable income and lack of trust from companies who won’t lend to you. This can cause feelings of sadness, misery and suffocation as you think about how buried under debt you are. This is absolutely the wrong way to handle the debts that you have. All you’re going to do is upset yourself and make life feel a lot harder than it has to be. Accepting the debt that you have, embracing how to manage it and living WITH the debt as it decreases can be far easier than fighting it.

A good place to start to learn to embrace the debt you have is to go ahead and make a list of every creditor and amounts that you owe. Using spreadsheets to have a visual of each debt can also help, as you can see where exactly you owe money, and who is the most urgent to pay. By doing this, you can learn to prioritize which debts need your immediate attention and bring some order to the chaos. Checking out websites like best.creditcard to find the best cards for balance transfers and 0% interest can also help you to shift some debt to make it more manageable. Some people like to pay all their debts with a credit card or loan and have one simple repayment per month instead of four or five creditors.


Staying calm when facing debt is important. You should never be pressured to pay more than you can afford, and contacting creditors to make minimum offers should be accepted. As long as you are acknowledging the debts and paying something towards them, you can start to account for them in your budget. The small repayments that you make all build and as your income is increased or changed, you can change how much you pay for each one. Fighting the debts that you have by burying your head in the sand and shying away from them will not help. All that will do is add more to the amount you owe in fees, late charges and interest. This can do nothing for you but cause more panic than necessary.
It’s important to remember that you are in control and if you can come out of the red fog of panic and walk alongside your debts with confidence, it won’t be very long until you are debt free and out from under the spell. Take your time and think clearly; life won’t always be full of debts!

xoxo,
Therese
Wednesday, September 20, 2017

Money Management: How To Do A Lot With A Little


You may have a low salary but that doesn’t mean that financial problems are a foregone conclusion for you. Managing money is about keeping tabs on your earnings and understanding what your limits are in terms of the earnings you have available. Even people with incredibly high salaries can fall into debt through poor money management.

It’s not about the quantity of money you have in your bank account but what you do with it; that’s what determines how stable your financial situation ends up being. If you’re struggling to look after your bank account sensibly then here are some tips on how to do a lot with a little money.

Curb expenditures.

This first step is the most important. If you want to make your money go a long way then you need to work on keeping your spending at a bare minimum. As we’ve said in the past, you need to create barriers for yourself, first of all. You need to resist the urge to make impulse purchases at every possible opportunity and that all starts with a sensible spending plan. You need to make a budget to help get an idea of just how much money you have available. Set aside enough earnings to cover all your monthly necessities before you do anything else; it’s important that you’re not falling short on rent or electricity payments and that you have enough food in your fridge. Focus on the bare necessities. Once you’ve done that, the money you have left over is yours to spend as you wish.

Of course, just because you have money to burn this doesn’t mean you should burn it. If you want some advice as to how you can resist impulse purchases then give yourself the 30-day challenge. If you see something in a store or online that you really want to buy then leave it for 30 days. If you still want it a month later then you can buy it but if you don’t then you probably never really wanted it. It’s a good way to curb bad spending habits.


Dealing with tricky situations.

Of course, you might already have financial problems which make it difficult for you to start being sensible with your spending straight away. You want to get your house in order before you start making drastic changes to your financial lifestyle. Nevertheless, drastic changes might be exactly what you need in order to get your house in order. Start thinking about ways in which you can increase your available money.

If you’re struggling to pay off the money you already owe then you might want to look into sites such as debtrelief.xyz to give you some options in terms of relief and manageable repayments. On top of that, you might want to think about smarter ways in which you can save your money in the first place (so as to pay off your debts more quickly). Creating a more energy efficient household (insulated walls, double-glazed windows, energy-efficient appliances) could reduce your energy bills drastically, for example.


Sell old things.


We’re all guilty of hoarding things over the years but don’t be so quick to throw everything in the trash simply because you’re so desperate to declutter. Next time you clear out the garage, take some advice from goodhousekeeping.com; sell on your old and unwanted items for money. eBay, Amazon, and even Facebook Marketplace are all great ways to sell on your old (and sometimes even broken) possessions to a hungry new owner.

Maximizing what you have is a key way to make the most out of every dollar you earn. What are your tips to lessen expenditures? Comment down below.

xoxo,
Therese

Tuesday, September 19, 2017

Keeping Your Head: Don't Let These Common Causes Of Stress Get You Down

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Most people, when they're kids, can't wait to finally be grown up. You see adults walking around, and it seems as though they have complete control over their lives. However, once you actually reach adulthood, it can become clear very quickly that it's a lot more difficult than you might have expected. There are so many things in adult life that can cause you stress and frustration that it's enough to get anyone down. However, if you really want to live your best life, you can't let those kinds of things have too much of an impact on your life. With that in mind, here are some of the most common causes of stress in many people's lives, and how you can avoid letting them get the best of you.

Work

It's hardly surprising that work is one of the most common causes of stress for a lot of people since it's often the thing that we spend the vast majority of our time doing. If you're spending forty hours or more working each week and you're doing a boring job that you don't care about then, of course, you're going to end up feeling stressed out. However, not all of us are in a position to leave our jobs and find something else. If that's the case for you, then the best thing to do is to try and make the most of it. Find the things that you do enjoy about your job and focus on those. It could be interacting with customers, the work that you do, or the people that you work with.

Money

Money is perhaps the most common source of stress for most adults since unless you're incredibly lucky, you're not that likely to ever be in a position where you don't have to worry about it. A lot of people find themselves dealing with things like debt which can be incredibly stressful. Luckily sites like consolidate.loan can help you take control of your debts and make sure that your finances are less worrying. Sure, you're always going to need to be aware of your finances, but at least this way they aren't going to occupy your thoughts too much.   

Relationships

It would be great to be able to say that relationships were always happy, fun, and easy, but that's just not the case. Most adult relationships require a fair amount of compromise in order to make them work. This applies to both friendships and romantic relationships. The key is to make time for the people you care about and to communicate with them as much as possible. Without communication, it's almost impossible to sustain a healthy, happy relationship.

The sad fact of life is that stress is often just something that you have to deal with. Nobody's life is perfect and putting too much pressure on it to be wonderful all the time is just going to make things worse. Accept that sometimes things are going to get tough, and stand up to meet those things when they happen. That's the only real way to get through life's more stressful moments without losing your head.

xoxo,
Therese

Are You A Shopaholic? Signs & Remedies

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We are all familiar with the idea of retail therapy, indulging ourselves, and treating ourselves every once in awhile. There’s nothing wrong with that, either; sometimes, if you’ve had a rough day, buying yourself a little something to put a smile on your face is perfectly acceptable.

However, it’s from this attitude that real problems with shopping can begin. A shopping addiction might not sound like that big of a problem, but in reality, it can wreak untold damage on the rest of your life. If you -- or someone you know -- ever finds themselves in the grip of shopaholic tendencies, it might be worth keeping the below in mind.

Signs of Shopping Addiction

Shopping addiction is an emotional problem with a practical response; a way of funding a lifestyle to help cover for deeper issues of sadness and depression. This unique combination means the signs of a shopping addiction manifest in a number of different ways:

  • If something bad happens in your life, your first thought is that you want to buy something to cheer yourself up.
  • You see shopping as a hobby, not as a way of fulfilling specific needs in your life.
  • If you set yourself a budget, you always seem to exceed it.
  • You have cancelled plans or missed work in preference of a day spent shopping.
  • You buy things that you don’t use or wear, but you don’t return them either.
  • You’re particularly attracted to bargains and sales, even if you don’t have any particular use for the items on offer.

Possible Effects Of Shopping Addiction

There are all sorts of impacts that shopping addiction can have on your life, but by far the most worrying is in terms of your finances.

If you find yourself struggling to make payments, damaging your credit score and needing to scour creditrepair.co to find solutions, or even taking out cards with the express intent of buying more -- then you’ve got a problem. People with shopping addiction have a tendency to find themselves in debt as a result of their problem, struggling to pay their monthly bills. If any of this is true -- and especially if you used to be rather fiscally responsible -- then it’s a red alert that something is amiss.

How To Manage Shopping Addiction

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As with any addiction, the best treatment for shopping addiction is therapy. You’re going to need to understand the emotional reasons that push you to overspend, which can be a difficult -- but beneficial -- process to unlock. Talking to family and friends is also beneficial.  CBSNews.com has a few other vital tips you can use to reduce your dependence on shopping.  If you pair these steps alongside working with a therapist to address the underlying issues, then you should be able to move past the addiction eventually.

So while shopping addiction is not the worst thing in the world, it can have several knock-on effects that could impact your life in a multitude of ways. Your life can change for the better, if you’re willing to make the changes necessary to recover.

Do you have shopaholic tendencies? What is your most regretted purchase that you did in a whim? Comment down below.

xoxo,
Therese
Wednesday, September 6, 2017

Inspirational Indonesia: 12 Reasons You Should Start A New Life In The State Of 16,056 Islands

Packing up your things to start a new chapter in another country is a massive decision to make, but it can unlock a far happier future. So, if life is leaving you a little underwhelmed, this could be the perfect time to make that leap of faith. If you do take this decision, though, it’s vital that you choose the right destination. Indonesia is unquestionably one of the leading candidates.
 
There are many different elements to consider when selecting a place to begin your new life. Here are a dozen selling points that make Indonesia stand out from the crowd.

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#1. Plenty To Explore
 
Injecting a sense of fresh enthusiasm into your life will be one of the key reasons behind your move. This is one reason Indonesia is a wonderful choice. After all, each of those 16,056 islands has a new adventure awaiting.   
 
Of course, some have more to offer than others. Java is the most populous island in the world and boasts enough adventure to keep you entertained for life. Then again, Borneo, the Maluku Islands, and other major islands are all wonderful places to live or visit.   
Essentially, if you’re looking for a new home that will keep you occupied for life, Indonesia is one of the best options you could ever ask for.
 
#2. Moving Is Relatively Simple
 
The dream of moving to a new place is one thing, but the reality can sometimes be far more challenging than you’d imagine. When you choose Indonesia, though, the legalities of the moving process are fairly straightforward.
 
Understanding the working visa process can be confusing. But visiting Inter Nations will provide all the required support. Once you are organized, there’s nothing to stop you completing the processes without major hiccups.   
 
As with relocating to any new country, those legal formalities can take weeks to complete. It is possible to acquire citizenship further down the line, but that’s something to consider once you have settled into the new homeland.   

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#3. It’s An Affordable Place To Live   
 
Any relocation, domestically or internationally, should be financially viable. Daily living costs are pleasantly affordable, and they’re matched by the housing prices too.
 
A luxury property tends to cost the same amount as an average sized home in America, meaning you can upsize with minimal fuss. Alternatively, you may wish to rent for a short while before confirming this is a place to permanently live. Visit RumahDijual to gain further insight into buying and rental properties. The possibilities are almost endless.
 
Given that the country’s economy is on the rise too, you should find that the value of any property climbs over time. Although this isn’t likely to be your main incentive, there’s no doubt that it is a positive influence.
 
#4. You Can Survive Only Speaking English
 
Indonesia is a country of many languages, and you will need to learn the local one(s) to enjoy your new life to the fullest. You can learn the basics before moving but may want to wait until after the relocation before truly developing those skills.
 
In the meantime, you can survive by speaking English. It isn’t an official language, and you may struggle in some of the smaller islands. However, the main attractions like Jakarta have many people who speak the language fairly fluently. As long as you’re prepared to make an effort to learn their languages over time, you won’t go far wrong.
 
Your English skills will also make you an attractive candidate for positions within global companies.

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#5. Job Opportunities
 
A good job is only one of many life aspirations, but you still shouldn’t overlook the importance of a rewarding career. As mentioned, speaking English can give you a great start. However, there are plenty of other selling points.
 
If you still have money left over, starting a business is possible and puts you in great control. There are plenty of careers in caring and similar industries that offer emotional rewards as well as financial ones.
 
The GDP might be relatively low, but that’s largely distorted by the large population. Make no mistake; this is Southeast Asia’s largest economy, and it continues to grow by the year. In this respect, there’s never been a better time to make the move.
 
#6. The Relaxed Lifestyle
 
Despite the fact you’ll be working, you may well find that it’s far more relaxed than working back in the USA. Even if it isn’t, the fact you’ll have the opportunity to enjoy immense relaxation in your leisure time will give you that peace of mind.
 
Indonesia is a spiritual land. The stunning sceneries and relaxed vibes of places like Bali are the ideal backdrops for yoga and meditation. Meanwhile, there are plenty of spas and similar retreats to promote greater physical and emotional health.
 
This truly is the good life, and that’s exactly what you deserve.   

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#7. Vibrant Nightlife
 
The relaxed atmospheres can aid your quest for inner peace. Still, you should not ignore the wonderful nightlife that Indonesia’s main cities have to offer. Clubs, bars, and live music is a regular feature in the main entertainment areas. Without sacrificing their culture, many of those elements are accommodating for tourists, which can be very nice too.
 
Jakarta is home to many film festivals and art exhibitions too. You can check out Arkipel and other events online. Once you live in the area, though, finding out what’s on will become far easier. If desired, you could easily find something to keep you occupied on every single night of the week.
 
That juxtaposition of peace and excitement makes for the perfect blend of lifestyle. Better still, it never gets boring regardless of how long you’ve lived there.
 
#8. You Will Get Visitors
 
While starting a new chapter is very exciting, it can feel quite daunting too. After all, you’ll be leaving everything you know behind. Thankfully, modern tech makes it possible to keep in touch with friends and family. Still, there’s no substitute for seeing loved ones in the flesh.
 
Indonesia is a very popular holiday destination, and your presence will only give people yet another reason to visit. They’ll still need the essential travel items. But whether they stay with you or book a nearby hotel, the opportunity to catch up and create new memories is something to be treasured.
 
Of course, you’ll still want to visit your old home from time to time too. Nonetheless, it’s far nicer when this is a two-way street.

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#9. Spectacular Sceneries
 
Indonesia boasts many great qualities, but its natural beauty will always stand out as one of the most telling factors. In addition to treating your own eyes, the photographs you’ll gain will be perfect in this age of Instagram.
 
Whether it’s mountains or beaches, you’ll find an array of stunning locations across the islands. Meanwhile, many of them are inhabited by beautiful animals too. When combined with the many wonderful man made structures, the attraction of Indonesia is hard to ignore.
 
Sharing those views in the form of a blog may also open up money making opportunities. Even if it doesn’t, those sights are sure to work wonders for your general life satisfaction.
 
#10. Every Area Is Different
 
The variance in cultures between different cities and islands is simply incredible. So, even if you eventually get bored of the first location, you can always move to another place. It’ll be like moving to another country without the upheaval.   
 
When comparing the best aspects of Bali to Jakarta, for example, it’s not hard to see the diversity of cultures. Even those with a passion for travel could happily spend their lives working and traveling across Indonesia’s many islands.
 
Furthermore, it means that Indonesia can cater to all different types of people and personal tastes. This makes it the perfect destination for a relocation.

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#11. Great Transportation Links
 
Moving around the islands can seem daunting, both individually and as a whole. Thankfully, the transportation links are more than capable of satisfying your needs.
 
In truth, you could buy a vehicle of your own. However, many people hire a driver instead, especially in the main cities, as their knowledge can save vast amounts of time. Sadly, congestion is one of the negative features. Getting a driver is surprisingly cheap and makes life a whole lot easier.
 
Even if you don’t, the taxi facilities are very good. Meanwhile, hopping between islands is relatively easy and can be done via boats, planes and other methods.   
 
 
#12. Coldness Is Almost Non-Existent
 
The climate is another selling point for Indonesia. It will take some time to get used to the humidity. Once you do, though, life has never felt better. This is especially true if you hate being cold because the tropical climate means that it stays warm even when it’s raining.
 
You can check the full climate conditions at Facts And Details. However, suffice to say, that you’ll be more than happy to live in this part of the world. Once you’ve taken the right precautions, it will feel extremely comfortable. Moreover, it enables you to make the most of every day. That’s something that all of us can appreciate.
 
There’s no doubting that life feels better when the sun is out. This added to all of the other benefits, is sure to make Indonesia a winner.

If you have been dreaming of living overseas you can check Indonesia as an option of your first step. Being able to adjust and easily maneuver yourself into the society is a major convenience factor as well. What is your dream country to live in? Comment down below!

xoxo,
Therese