The Basics of Money Management

Are your one of those people who simply run out of money by the end of the month? Is your income substantial, but you still find yourself living paycheck to paycheck? Do you ever feel frustrated looking at your savings with only bare minimum amount all the time?

If you have answered yes to one or all of these questions, take comfort in the fact that you are not alone. Millions of Americans, even those with high incomes- experience financial distress too!

Hard times are not the sole reason as to why most families are still struggling with their finances. Majority of families who are living paycheck to paycheck identify lifestyle purchases as the main cause of financial difficulties. Financial discipline is one virtue that people, especially the younger generation, needs to learn and adhere to in order to achieve financial freedom. If you desire to break the financial struggle, the first step towards financial freedom should start with wise money spending or money management (check for more tips).

The Importance of Tracking Expenditures

Keeping track of your spending is the only way to determine how much money you are spending on essentials and non-essentials.  Entertainment, dining, sporting events, and hobbies are considered non-essentials. Make sure to minimize your spending on non-essentials. In some cases, people even forget to spend on their daily needs just so they can feed on their habits and hobbies. Instead of spending money on dining out at restaurants, why not allocate these funds on savings?

Make a list of your spending by recording the use of your credit cards and cash withdrawals. Create a category that aligns with the things you mostly spend on. Continue tracking your spending for a few months and make sure to change the way you spend in the process.

Minimize the use of credit cards and use cash or your debit card for all transactions. If you find this strategy effective, you will most likely find yourself with a lot of excess cash that you can then place under a savings account.

Once you have realized that majority of your income goes to non-essentials, it all depends on you if you are to keep up with your self-destructive spending habits. You have the option of changing for the better. There are many ways on how you can save money whilst not depriving yourself of desires once in a while. At the end of the day, it will all boil down to spending on the things that you really need and dismissing all the wants until you get stable financially.

Thinking About My Top 3 Beauty Products

I take my beauty products seriously. It takes me a while to find ones that really work with my skin and my time. After several trials, I think I have found and even picked out my top 3 beauty products.

One of the best things in my beauty arsenal is a great black eyeliner. I haven’t found the ideal one yet that is exactly what I want, but I have used some good ones over the years. I like those that are not only easy to apply but also a dark, opaque liquid black liner that can be used to create tiny lines or huge cat eyes. (2)Another things that I need in my beauty arsenal is a good powder. It can be hard to find that ideal powder if you have a medium skintone like I do, but once you do, it’s great. I don’t typically apply full coverage because it can flake on me because of my skin, but I like using it as a primer to set things and to help things like eyeshadows and lips stay on longer. (1)My last favorite is a good powder brush. This is particularly important for medium or large amounts of coverage. I like getting it just in precise areas, so having a good brush that does not shed and does not apply product to places I don’t want it is important to me.

This was fun to think about. It was, however, hard to do because I like a lot of products. Regardless, these are things that I use frequently during a beauty routine (you can check out more products from

Why Life Insurance is Crucial for Raising a Family

When you’re raising a family, there’s nothing that you want to think about less than what would happen if you and your spouse were to die in a car accident. I know that I had never thought about this possibility, at least not until my brother and his wife got into a wreck on the interstate. He was driving, and he died instantly – thrown through the windshield because he wasn’t wearing a seatbelt. He always was a reckless one. His wife might have been okay, but she slipped into a coma, and she had a do not resuscitate order, so she ended up passing away too.

I still think about what might have happened if my brother had worn his seatbelt that day, but at least he had a life insurance plan. His life insurance plan allowed us to set up a trust fund for his kids, which meant that we could take care of them without an additional financial burden, and that they would have money to pay for their college expenses when that time came. I quickly took out an insurance plan for myself (thanks to Life Shield HQ), so that my kids would have the same security if lightning did in fact strike twice.

Do You Consider This An Example Of Bad Health Advice?

Have you or someone you loved ever received health advice from a doctor that turned out to be wrong? Or, maybe you took advice from a person you know and thought that it was solid when it really wasn’t. What’s even more likely is someone pulling up health advice online and believing everything that is read. I know I often believe too much of what I read online. (2)Let me tell you what happened in the case of my grandmother. I was looking at her prescriptions  one day, and I noticed that there was a barbiturate that she was prescribed. It was supposed to help keep her from having seizures, but at the same time, it wasn’t a good pill to be taking since she had a lung condition. I found this out, and I talked to her and my family about it. She had been going to the same doctor for years and years, and she had been taking that same pill for years and years.

Now, she lived a long time with the disease that she had, a lot longer than her doctor expected, around 20 years. The doctor I’m sure really helped her over the years. Still, it appeared that she really probably no longer needed to be taking that barbiturate for the seizures. After my family talked about it with her, she decided to stop taking it after all.

Was that an example of bad health advice from a doctor and a bad prescription? Well, sometimes there are fine lines as you can see. She was taking that barbiturate to stop seizures, and she did need it when she first started taking it. In our opinions, he should have taken her off of it later on. So in my book, I guess that would be a good example of bad health advice.