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4 Things Worth Spending On For A Happier, Healthier Life

4 Things Worth Spending On For A Happier, Healthier Life

While most of the people explore ways to save some money, there are things in our life that are worth spending a bit of your cash. There are things that do not cost much, but can really make you or people around you, happier and healthier.

Here is a list of  the Top-4 things you really shouldn’t cut money on, in everyday life.

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1. New experiences that enrich your life

You deserve to treat yourself. All human beings are selfish by their nature, and there is nothing wrong in being a bit selfish. You should not sacrifice your whole life to other people or animals. And the first way to spend your money effectively is new experience. It is rather a service than material goods. Under new experiences, people usually think education or job. But that’s not what I mean. Right now, we’re talking about active leisure, sports, and tourism. These things may not be that cheap, but they enrich your life for ages ahead. Besides, if you know all the tricks, you can avoid wasting too much money on your trip to the neighboring country.

You can learn more about how to save money on your trip. The researchers at Cornell University observed that material items are not as expensive as our mental values. We would buy a recently released smart phone and get tired of it in a few months, when a more fashionable model appears. However, we would never forget that amazing vacation on the seaside, snowy trip to the mountains or the exciting safari with rare animal species. It should not be just about going abroad or travelling to the Miami Beach, this point involves attending art exhibits, music gigs, doing outdoor activities, or simply learning a new skill. You might have never tried playing mini-golf or parasailing. Well, it’s never too late. Perhaps, you will discover that you truly enjoy this new experience. These activities usually cost up to $20-25, but your experience will cost much more.

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2. Home Accessories & Decoration

You may wonder, but your health condition and mood greatly depends on the place where you live or work. Your apartment’s energy has a great impact on your guests as well. After all, it’s an impression you leave. That is why it’s crucial not to ignore the role of overall tidiness, general repairs, and, of course, small accessories that make the atmosphere snug. Nothing in the world works better than fast flower delivery when you’re expecting someone to arrive.

Other than the wonderful smell and positive visual effect, these living creatures also add a punch of color and good mood to the rest of your day. Consult local florists and select your type of flowers: chrysanthemums, sunflowers, roses, or Peruvian lilies.

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3. Beauty and Grooming

This hack implies taking care of your hair, body, and clothing. Appearance always matters. You may be a great professional, but you’ll create a negative impression if you look unkempt. I should warn you that this section involves the greatest spending. You may decide to purchase cheap cosmetics or hair-care goods, but you risk making the situation even worse. Nowadays, it is recommended to pay more for bio-cosmetics instead of destroying your hair or nail structure with $1-3 shampoo or nail polish.

Remember: you’ll never get high quality for low price. That’s all myths people tell to sell. Call your friend, bring sushi with a bottle of good wine, and enjoy at-home hair dye. Home procedures may save you some money only in case you know people who are experts in this area. Don’t allow just anyone to color your hair or do some make-up. It is better to get your hair professionally dyed. After all, it will be very difficult to repair the damage done by cheap products.

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4. Healthcare and Medicine

Perhaps, this is the most critical of all the points given here. People often ignore doctors, until the day something goes wrong. It is advisable to pay for extra examinations, even when you believe you’re absolutely healthy. We may not feel many of the health disorders, in their initial stages of development. It is crucial to take medical tests periodically. It is easier and much cheaper to get rid of a disease at an early stage than to fight with a serious one later. In addition, don’t hesitate to spend your cash on vitamins and minerals to keep fit.

Being close-fisted in these circumstances may ruin your life. Fitness gyms, travels, house decorum, hospitals, and beauty salons are things that are really worth your attention. You will never feel pity for investing a particular sum of money in your health or your child’s future. So, stop buying just every new tablet or shoes on the market – it’s time to think about more responsible aspects of our life, that will make you happier in the long run.

Featured photo credit: storiesofworld.com via storiesofworld.com

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Melissa Burns

Entrepreneur

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Last Updated on April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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Featured photo credit: Pexels via pexels.com

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