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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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Published on October 8, 2018

13 Incredibly Useful Tactics to Help You to Stick to Your Family Budget

13 Incredibly Useful Tactics to Help You to Stick to Your Family Budget

Are you having trouble sticking to a family budget? You aren’t alone.

Budgeting is difficult. Creating one is hard enough, but actually sticking to it is a whole other issue. Things come up. Desires and cravings happen. And the next thing you know, budgets break.

So how can you stick to a family budget? Here are 13 tips to make it easier.

1. Choose a major category each month to attack

As the saying goes, “Rome wasn’t built in a day.” With that in mind, one approach to help you get into the habit of sticking to a budget is simply starting slow.

Spend too much on Starbucks runs, eat out too often, and have an out-of-this-world grocery bill? Choose one bad habit and attack.

By choosing one behavior to focus on, you’ll prevent yourself from being overwhelmed. You’ll also experience small victories, which help you gain positive momentum. This momentum can then carry over into your overall budget.

2. Only make major purchases in the morning

If you’re making large purchases in the evening, there’s a good chance you’re doing so after a long day and you’re probably tired.

Why does this matter? Because our judgement tends to be off when tired – our willpower is compromised.

Instead, only make major purchasing decisions in the morning when you’re energized and refreshed. Your brain will be firing on all cylinders and your resolve will be high. You’re less likely to give in and settle at this point.

3. Don’t go to the grocery store hungry

Have trouble with impulse buys at the grocery store? If so, there’s a good chance you’re going grocery shopping while hungry.

The problem here is that when you’re hungry, everything looks good. So you’re more likely to make split decisions on things that aren’t on your grocery list.

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Instead, make sure you eat prior to your grocery store trip. Then take your list, along with your full stomach, and go shopping. Notice how food doesn’t look quite so good when you’re not fighting cravings.

4. Read one-star reviews for products

Is there a product you just have to have (but maybe not really)? Check out the one-star reviews.

By reading all the horrible reviews, you may be able to basically trick yourself into deciding that the product isn’t worth your time and money.

Next thing you know, you didn’t make the purchase, you saved the money, and you feel good about the decision.

5. Never buy anything you put in an online shopping cart until the next day

If you are making a purchase online, it’s typically a two-step process. First, you click “Add to Cart” and then you go in to review your cart and pay.

The problem is that there not typically much reviewing during step two. It’s generally click pay and there you go. However, this is the perfect point to stop for reflection.

Once you add to your cart, your best bet is to step away until the next day. Let the item sit there and grow cold, so to speak.

This gives you a night to “sleep on it” and decide if you really want and need to spend that money. If you wake up the next day and still find the purchase viable, then perhaps it’s time to go for it.

6. Don’t save your credit card info on any site you shop on

One of the other pitfalls of shopping online is that fact that most sites ask you to save your credit card information.

While the sites will frame it as a method of convenience, the truth is they know you’ll spend more money in the long run if your credit card information is saved.

The “convenience” takes away one last decision-making point in the purchasing process. True, it’s a pain to get out your credit card and enter the information every time. But guess what? That’s the point. If that inconvenience helps you stay on budget, then it’s worth it. Which leads into the next tip.

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7. Tape an “impulse buy” reminder to your credit card

Credit cards make spending much easier than cash. When you spend cash, you can literally see your wallet emptying. A credit card comes out, then goes back in. No harm, no foul.

That’s why it’s a good idea to tape a reminder to your credit card. Customize a message that is something along the lines of “do you really need this?” or “does it fit the budget?”

That way when you pull out the card, you get one last reminder to help you question your decision and stick to your budget.

8. Only use gift cards to shop on Amazon

Amazon is probably the easiest place online to blow money. It’s just so easy to click and buy. However, one way you can slow the process down is buy only using gift cards. Here’s how it works.

If you plan on making a purchase on Amazon, go to the grocery store and purchase a pre-loaded Amazon gift card of the proper amount. There’s no convenience fee, so you literally pay for the money you’ll spend.

Now take that gift card home and load it to your Amazon account. There’s your money to spend.

Why does this help? It makes you have to purposely go to the score and purchase the card in order to purchase the item. That’s a pretty deliberate thing that takes some time, commitment, and thought.

This process will effectively kill the impulse buy.

9. Budget using cash and envelopes

As mentioned earlier, it’s a lot harder to spend cash than swipe a credit card. You can take this even farther by using only cash, and separating that cash by budget category.

Create an envelope for each category and stick the cash in there at the beginning of each month. When the envelope is empty, no more spending on that category, unless you borrow from another (be careful of that approach).

This can be pretty helpful for people that have a hard time following transactions in their checking account, or keeping a budgeting spreadsheet.

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The envelopes simplify the tracking process, leaving no room for error. Nothing hides from you because it’s tangible in the envelopes in front of you.

10. Join a like-minded group

Making the decision to stick to something like budgeting is difficult. It takes long-term commitment.

You’re going to feel weak sometimes. And sometimes you may fail. That said, support from others can help strengthen resolve.

Support can come from a spouse or a friend, but they won’t always have the exact same goal in mind. That’s why it’s a good idea to join a support group that’s likeminded.

No need to pay here, as there are tons of free communities that fit the bill online.

For example, reddit has multiple subreddits that deal with budgeting and frugal living. You can follow, subscribe, and get active in those communities.

This will open your eyes to new tips and strategies, keep your goal fresh on your mind, and help you realize there are others dealing with the same struggles and being successful.

11. Reward Yourself

When you set a budget, it’s usually with a large goal in mind. Maybe you want to be debt free, or perhaps you want to see $10,000 in your savings account.

Whatever the case, the end goal is great, but the end is often far away, making it hard to see the end of the tunnel.

With that in mind, it’s a good idea to set mini-goals along the way. This helps you still look at the big picture but have something that’s attainable in the short-term to help with momentum.

But don’t stop there – set rewards for yourself when you reach that small goal. Maybe it’s an extra meal out. Or a new pair of shoes.

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Whatever the case, this gives you something in the near future to look forward to, which can help with the fatigue that can result in pursuing long-term goals.

12. Take the Buddhist approach

You don’t have to be a Buddhist to recognize some of the wisdom in the teachings. One of the tenets of the philosophy involves accepting that we can’t have everything we want. And that’s okay.

Sometimes you won’t feel good. Sometimes you’ll have cravings. You can’t deny them. But you can recognize them, accept them, and let them pass by. Then you move on.

Apply this to the times you want to do things that will break your budget. You’re going to have the desire to eat out when you shouldn’t. You might want to stay out and spend too much at happy hour with your work friends.

The feelings will come. Recognize them, accept them, but let them go.

13. Set up automatic drafts to savings

If you wait until you’ve spent all your budgeted money to deposit money into savings, guess what? You probably aren’t going to put any money into savings.

It’s too easy to see that as extra money and end up using it to treat yourself.

Instead, set up automatic savings withdrawals. That way, the money is marked and gone before you can even think about it. It becomes a non-issue. It’s no longer “extra.” It’s just savings.

Conclusion

Sticking to a budget can be difficult. No one is denying that.

However, if you can do a few things to set yourself up for success, and put some practices in place to curb impulse buys, then you can (and will!) be successful sticking to your family budget.

Featured photo credit: rawpixel via unsplash.com

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