How to Write a Budget That Works for You

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Writing a budget is something that many families do, and you can make one that works for your family with only a few things to keep in mind. The first thing to do is determine how much money you bring into the home each week. If there is more than one person who works, then add this income so that you have an idea of how much money there is to pay bills and spend on family activities. Envelopes are a great way to keep track of what you have to pay and how much money you have (more…)


No-nonsense Budgets for the Working Class

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If you are someone who is looking to save money, you are going to need a budget. Budgeting is neither fun nor easy, so take a moment to prepare yourself. Sit down with some paper and pencil, and write a list of your expenses on one side and your income on another. Remember that you should always do your best to make the income column larger than the expenses column.

Remember that you should not cut fun things out altogether. Doing that can result in you finding out that you are much more inclined (more…)


10 Budgeting Tips That Really Work.

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Keeping a budget can be difficult. The following simple tips can help you stick to an honest budget that works for you.

1. Set Realistic Goals – Choose budgeting goals that actually take your spending habits into account.

2. Use Tools – Use any budgeting tool that seems to help you succeed.

3. Watch ATM Trips – Budget a certain amount of cash each week, pull it out, and stick to that number.

4. Make Small Changes – Choose one small bad habit and try to (more…)


Improve Your Life: Go GREENER!

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Whether you live in a green condo or an old co-op there are ways you can make your urban dwelling an environmental happy place. Here are a few thoughts for implementing better practices for the environment in your own home and your building:
Get Green Tech: Aside from your ADT Home Security System you’ve got a lot of options when it comes to in-home technical appliances. Buy washers, dryers and even refrigerators with the energy star label – they’ll save you money and carbon emissions in the long run.
Turn Off Hall AC: If you live in a building where there are cooled/heated hallways talk to the board about turning them way down or off altogether. Odds are your hallways aren’t that long and no one will even notice the slight change in temperature.
Start Recycling: Get everyone in your building to start recycling by providing marked recycling receptacles at all trash areas. Designate glass, plastic and even aluminum and you’ll encourage people to start sorting their own recycling before it ever hits the pile. Any recycling your building does is better than nothing!


Drop the Junk Food and Feel Better

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You may look at the title of this article and think “crash diet” or “it’s going to take a long time”, when in fact just cutting out the junk food is the easiest part of a diet or any health food plan.
Start off with the hardest cut first: the dreaded candy bar. I know it’s going to be tough, but you’re going to be thanking yourself in the long run. Just this first step, alone, is going to easily become the best thing you have and ever will do for yourself. Just (more…)


Doing Yoga For a Fitter Mind and Body

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Yoga can be very beneficial for both the mind and body. Not only can it help you become more limber but it can also help you learn how to concentrate on how to control your breathing as well as helping you clear your mind from the stress that is filling your life. Another good thing about yoga is that it does not matter what your age is when you start. Anyone can decide to start practicing yoga as it slowly and safely allows your muscles to stretch and strengthen and trains your body to become more flexible. Yoga has several (more…)


Five Easy Work-outs That Don’t Feel Like Work

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It can be hard to fit a workout in everyday when you have a long to do list. You also may not like the feeling of having to work out. Try these five easy workouts that you can do, that don’t even feel like you are working out.

1. Cleaning out the clothes closets in your home. You will be lifting piles of clothes, sorting, folding, and doing laundry. All of these activities will have bending, lifting, stretching, and burning (more…)


Five Healthy Fruits and Vegetables You Should be Growing

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Cucumbers – Easy to plant but remember to keep them in warmth or sun as much as possible. They also tend to mature quickly so pick as soon as they reach around four to six inches in length.
Apples – One of the healthiest fruits, apple trees come in many varieties. If you don’t want a tree that will cover your whole backyard, you can always pick one that will only grow to six feet. Apples usually take around two years to (more…)