for people successful financially, what are your budgeting tips for those in the negative?

Question by Gaga: for people successful financially, what are your budgeting tips for those in the negative?
nothing better than advice/tips from people who’ve been through it. thanks a bunch

Best answer:

Answer by mightygoldenrainbow
Write down every dollar you spend in a some kind of little notebook or day planner you can carry with you. Write down EVERYTHING you spend and everything you do. This way at the end of the week/ month/ year you KNOW where EVERY penny went and what you did with your time. This makes it easier to set goals (which you should always have) , create a budget (which you should also have), and make realistic adjustments to your spending and living habits. If its all on paper you can’t fool yourself.

Give your answer to this question below!

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Tips for Buying those Fitness Equipment Machines

Tips for Buying those Fitness Equipment Machines

Tips for Buying those Fitness Equipment Machines

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Home Page > Sports and Fitness > Fitness > Tips for Buying those Fitness Equipment Machines

Tips for Buying those Fitness Equipment Machines

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Tips for Buying those Fitness Equipment Machines

By: Chau Nguyen

About the Author

Thanks for your reading.
Please visit:
http://www.fitnessnews.info
http://www.healthnews24h.info
for more articles about Health & Fitness News and Tips

(ArticlesBase SC #2777111)

Article Source: http://www.articlesbase.com/ – Tips for Buying those Fitness Equipment Machines





The following are a few basic and important things to consider when buying those exercise equipments.

Do not believe what you see and hear

At least not everything,  it is good if you assess all those claims exercise equipments declare in their advertisements.   It is so hard to accept as true for example some statements that assure people that they will lose several pounds off their weight in as little as seven days or that you will decrease your pants size in one month.  Even with the assistance of dietary supplements, it is not possible to accomplish changes as major as these in just a few weeks, much less days.

Fat Burner is a No Burner

Be skeptical about claims that say you will be able to burn a tremendous amount of fat in a specific area of your body, such as the hips, thighs, waist just by applying a specific type of ointment or lotion, etc.  The only sure way to burn all those fat way is by changing what you eat. Exercise is the best solution to works out every area of the body whose fat you want to get rid of.  

The only testimonial that counts is yours

Before and after pictures of people who claim that they were able to lose weight because of using such and such equipments may or may not be true.  If ever they are,  their experience is purely personal and that is no assurance that your unique body weight, body make-up will also undergo the same change they went through.  

Read the fine print

It is always advisable to read the fine print of anything.  Though you believe that the fitness equipment you are planning to purchase is a good one, reading the fine print really wouldn’t hurt as it may say that you also have to decrease your calorie intake and not just rely on what the machine could do for you.

Do the math

There are advertising statements that say you could pay off the fitness equipment in a number of easy payments or by paying a mere thirty nine ninety five a month.  Do not forget to inquire about shipping and handling costs and include that in your calculation.  Also, add-on the required sales tax, delivery fees, set-up fees.  Know all the details before you purchase.  

Guarantee the warranty

It is best that you consider asking about details on their thirty day money back guarantee.  Though this could sound good to you as the consumer, it may or may not actually do you good if for example you are going to return the item.  You may actually pay for the humongous shipping cost and it could cost you more than what you could guarantee to receive in thirty days.

Call customer service

Make sure you contact their customer service hotline.  Usually, they have toll-free numbers that you must be able to easily contact as well as a customer service representative who must be glad to be able to take your call and answer thoroughly all or any questions you may have about their products and services.

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(ArticlesBase SC #2777111)

Chau Nguyen
About the Author:

Thanks for your reading.
Please visit:
http://www.fitnessnews.info
http://www.healthnews24h.info
for more articles about Health & Fitness News and Tips

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Healthy Eating For Those On The Run

Healthy Eating For Those On The Run

The same question “What’s for dinner?”

This week you have just started a new commitment to yourself that you are going to eat better and start exercising and you’ve just gotten off work after a seemingly endless day. It’s been hectic and you still have a million things to do; pick up the kids, walk the dog, get your work out in, go to some recital or game, or do your laundry. You know, the never ending list of “should do’s” or “gotta get done’s” that make it seem as if there is just not enough time in a day. You have been so good all week and hate to blow it. It’s hard to always been good when you’ve had long day. You don’t even have time to breathe let alone go shopping and make a healthy dinner! It is ever so tempting to skip your workout and run through a fast food joint just to make your day just a little be faster and easier. After all you have had a hard day and deserve a break, right? However, you know that you’d feel better sticking to your promise to yourself and your family to eat healthier. So what do you do?

If you are like me you probably end up at a sub sandwich shop ordering some chicken bacon ranch sandwich, justifying to yourself “It is not total junk food, it’s not fried and I got the baked chips.” Then to compensate you add another 15 minutes to your power walk out of the time you saved from not making dinner. Yea, you know who you are. That is ok. We all do it. It is my goal to reduce the amount of times a week I do this. So how does one keep from being in this situation? Prepare.

Preparing for “What’s for Dinner?”

I am not a person who likes to pre-plan every meal for the week. I am not very organized and I never really know what I am going to be in a mood to eat so planning the menu for the entire week is difficult for me. If you are like me here are a few things that I have found helpful in answering the “What’s for diner?” question in a more healthy way.

Find some recipes that you can make for dinner in 30 minutes or less. There are loads of healthy dinner ideas on the web. Keep the basic ingredients for simple, fast recipes stocked in your kitchen. You need to take the time to plan and shop. This doesn’t have to be a huge undertaking but remember you are also trying to create healthier eating habits so some changes have to be made. Make extra portions that can be frozen or refrigerated and reheated or cooked later. Make twice the recipe and then freeze half for later. Make an extra big salad keeping the extra for later in the week. Pre-cook chicken breast that can be chopped and added to the salad or can be used a quick wrap or sandwich. Have quick healthy snacks on hand that you can grab and take with you; fruit, cheese sticks, nuts, veggie sticks, cooked chicken or turkey breast, protein bars, etc. This will help curb your appetite until you can make something healthy at home. These are a few things that have helped me eat healthier and has helped to keep me from the fast food drive thrus and I am the least organized domestic engineer on the planet.

Serious Nutrition Answers

I am no expert, just a working mother and wife with more things to do than time to do them.

Zach Hunt is a Healthy eating for dinner expert and the owner of Physzique, a personal fitness coaching company in Spokane, WA helping people to look and feel great. Go here: personal trainer Spokane for more info on these services and more great fitness tips.

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For the people successful financially, what are your budgeting tips for those in the negative?

Question by Gaga: For the people successful financially, what are your budgeting tips for those in the negative?
nothing better than advice/tips from people who’ve been through it and came out ahead on debt. thanks a bunch

Best answer:

Answer by Rick B
Call all of them and work out a payment plan and try to get your interest lowered or stopped.

Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.

You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don’t eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership.

Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.

Go to the library and get “The Total Money Makeover”. Read it and follow it carefully.

Go check out Dave’s website as well.
www.daveramsey.com

Add your own answer in the comments!