Tips for a Successful Budgeting

I can say that am good at budgetting.  I do have to budget because I know exactly how much i earn and how much should I spent.  I am not yet at the comfortable situation that i have to slice a part of my earnings for savings because honestly, my expenses is above overhead than my earnings.  But for the past months, thanks to blogging,  i can now buy big fish and stash a hundred or two in my savings account for the future to buy salt incase we ran out of stock.

I read this from Yen’s site and i think it’s a very good tip to be shared for everyone. Especially for those who are living a credit card life and impulsive shopping lifestyle.  Shopping is not bad at all but to do it good, you must always have your presence of mind in budgeting.

Grab these tips:

* Be realistic. Don’t set goals that you know you’ll never reach.

* Create a budget and stick to it.

* Distinguish between wants and needs. Do you want a new car or need a new washing machine?

* Record your monthly expenses. Balance your checkbook and write down every transaction, including Check Card debits and visits to the ATM.

* Limit your debt. Pay your credit card balances off on time each month. By paying on time, you’ll avoid a late fee. Carry only one major credit card to eliminate the temptation to use another card. Better yet, go shopping with cash only.

* Shop wisely. Review Consumer Reports and other publications to avoid making large purchases that are known for needing repairs.

* Save for infrequent expenses such as birthday presents or car tabs. Set up additional savings accounts at Spokane Teachers if you know these expenses are coming.

* Save money each month and contribute to your retirement.

Remember great budgetting scheme and saving can save you a lot from stress.  It’s one way to live a stress-free lifestyle.

Vege-Coffee

There’s a new craze around the Adventist community here – the Vege-coffee.  It is locally made and they claim it can help prevent cancer or any bad radicals to grow in our body.   The other week, my mom went to CDO for a meeting, and almost all of them purchased 10 packs of this stuff and it’s worth more than a thousand.  I bought from her pack for  a try.  She has many but i have to buy because they money she used to purchase those packs are for her monthly maintenance medicines.

Other users said it will not make you hungry.  Well, one time, I drank it for breakfast wihtout any meals, I was already hungry at ten am. hehehehe

Just awhile back, i saw my boss carrying 1 sachet and he told me he is also a member of that business scheme and purchased more than a thousand pesos too.

Shiatsu Self Massage

Am a person who does not appreciate massage pressure when am well.  Or let’s just say i haven’t developed the art of appreciating massage. Now that mom is not in real good health for several years now, she was taught to do some self massage by a friend.  She was given this picture and i just wnat to share it with anyone.  It’s simple to do and can be done anywhere anytime.

Ways to Healthy Eating

Grabbed this from here.  One of Yen’s blog in which i think is also a health blog.  Thank you, sis, for allowing me to also post this article here in my blog. :)

1.  Eat a variety of nutrient-rich foods. You need more than 40 different nutrients for good health, and no single food supplies them all. Your daily food selection should include bread and other whole-grain products; fruits; vegetables; dairy products; and meat, poultry, fish and other protein foods. How much you should eat depends on your calorie needs.

2. Enjoy plenty of whole grains, fruits and vegetables. Surveys show most Americans don’t eat enough of these foods. Do you eat 6-11 servings from the bread, rice, cereal and pasta group, 3 of which should be whole grains? Do you eat 2-4 servings of fruit and 3-5 servings of vegetables? If you don’t enjoy some of these at first, give them another chance. Look through cookbooks for tasty ways to prepare unfamiliar foods.

3. Maintain a healthy weight. The weight that’s right for you depends on many factors including your sex, height, age and heredity. Excess body fat increases your chances for high blood pressure, heart disease, stroke, diabetes, some types of cancer and other illnesses. But being too thin can increase your risk for osteoporosis, menstrual irregularities and other health problems. If you’re constantly losing and regaining weight, a registered dietitian can help you develop sensible eating habits for successful weight management. Regular exercise is also important to maintaining a healthy weight.

4. Eat moderate portions. If you keep portion sizes reasonable, it’s easier to eat the foods you want and stay healthy. Did you know the recommended serving of cooked meat is 3 ounces, similar in size to a deck of playing cards? A medium piece of fruit is 1 serving and a cup of pasta equals 2 servings. A pint of ice cream contains 4 servings.

5. Eat regular meals. Skipping meals can lead to out-of-control hunger, often resulting in overeating. When you’re very hungry, it’s also tempting to forget about good nutrition. Snacking between meals can help curb hunger, but don’t eat so much that your snack becomes an entire meal.

6. Reduce, don’t eliminate certain foods. Most people eat for pleasure as well as nutrition. If your favorite foods are high in fat, salt or sugar, the key is moderating how much of these foods you eat and how often you eat them.

Identify major sources of these ingredients in your diet and make changes, if necessary. Adults who eat high-fat meats or whole-milk dairy products at every meal are probably eating too much fat. Use the Nutrition Facts panel on the food label to help balance your choices.

Choosing skim or low-fat dairy products and lean cuts of meat such as flank steak and beef round can reduce fat intake significantly.

If you love fried chicken, however, you don’t have to give it up. Just eat it less often. When dining out, share it with a friend, ask for a take-home bag or a smaller portion.

7. Balance your food choices over time. Not every food has to be “perfect.” When eating a food high in fat, salt or sugar, select other foods that are low in these ingredients. If you miss out on any food group one day, make up for it the next. Your food choices over several days should fit together into a healthy pattern.

8. Know your diet pitfalls. To improve your eating habits, you first have to know what’s wrong with them. Write down everything you eat for three days. Then check your list according to the rest of these tips. Do you add a lot of butter, creamy sauces or salad dressings? Rather than eliminating these foods, just cut back your portions. Are you getting enough fruits and vegetables? If not, you may be missing out on vital nutrients.

9. Make changes gradually. Just as there are no “superfoods” or easy answers to a healthy diet, don’t expect to totally revamp your eating habits overnight. Changing too much, too fast can get in the way of success. Begin to remedy excesses or deficiencies with modest changes that can add up to positive, lifelong eating habits. For instance, if you don’t like the taste of skim milk, try low-fat. Eventually you may find you like skim, too.

10. Remember, foods are not good or bad. Select foods based on your total eating patterns, not whether any individual food is “good” or “bad.” Don’t feel guilty if you love foods such as apple pie, potato chips, candy bars or ice cream. Eat them in moderation, and choose other foods to provide the balance and variety that are vital to good health.

i also bumped into this article here: http://www.realtime.net/anr/10eattip.html

YoYo am back…

It’s been awhile since my last post.  Am trying to find health or lifestyle related articles and even think and think for any to compose – bt did not come up for some days though i’ve got something to be shared to you but still waiting for the authors approval.  So am gonna post it after this post.

I have this blog open to the world or the public last October 1 by putting up the link in my Friendster page and yea i can see that there are visits and the incoming links are from there. Thank you, guys!  I will be adding this blog to my list of personal blogs hopefully today or some days then i hope more visitors will come.

For now, let me share with you this vege choplets in a delicious recipe.  I love to eat this when i can have the chance of dining at the hospital dietary/cafeteria.  Vegetarian!  They may look meaty as in meat but these are foods minus animal fats.

 

photo by sunshine2008
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