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To conquer the big ones, start with small debts

To conquer the big ones, start with small debts

To conquer the big ones, start with small debts
źródło: Blogest Leo

How to keep your debt at bay

Studies show that paying down small debts can help you feel more confident about taking on larger debts. It's like paying off a small balance on a department store credit card before moving to the larger balance card. We recommend that you work towards the card with the highest interest rates, but it is possible to get psyched up.

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23. Never cosign for a loan

Your credit score can plummet if the borrower, whether it's a friend, family member or significant other, misses payments. The lender may also pursue you for the money and likely end your relationship. If the bank requires a cosigner to pay the loan, it is not likely that the bank trusts the person. Parents: Bonus tip: Before you agree to cosign for a private loan for your college student's education, make sure to check if your child has exhausted all federal grant, loan, and scholarship options.

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24. Every student should fill out the FAFSA

Even if it's unlikely that you will receive aid, it's worth filling out the form. This is because last year, 1.3 million students missed out on a Pell Grant. It doesn't have to be repaid!

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25. Always choose Federal Student Loans over Private Loans

If your career plans don't go according to plan, federal loans offer flexible payment terms. Federal loans usually have lower interest rates. Be smart about what loans you take out and avoid these big mistakes with student loans.

26. Look into Repayment Options if you are having trouble paying your Federal Student Loans.

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Ask your lender if they have income-based, graduated, or extended plans. Learn more about these plans here.

27. Choose to Pay Mortgage Payments below 28% of your Monthly Income

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This is a good rule of thumb to use when trying to determine how much house you can afford. Find out more about this number. Then, indulge in voyeurism to see what other couples are able to afford.

How to shop smart

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28. Analyze Purchases by Cost per Use

A trendy $5 shirt may seem more cost-effective than a basic $30 shirt, but that's only if quality is not considered. Consider how often you will use or wear the new tech gadgets, kitchen appliances, or apparel items when deciding whether or not it is worth it. You can also consider the cost per hour of experiences.

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29. Spend on experiences, not things

Spending your money on things like concerts or picnics in the park will give you more happiness than spending it on expensive material objects. Research supports this conclusion.

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30. Shop Solo

Have you ever heard a friend say, "That's so cute on me!" For every item you try, you have to buy it! Instead of spending your time socializing, take a walk through the park and pay attention to shopping.

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31. Spend on the Real You, Not the Imaginary You

It is easy to fall for the trap of buying someone you don't want to be, such as a chef, stylist or triathlete.

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32. Get rid of Overdraft Protection

Although it sounds great, banks use this to make you overspend and charge a fee. Learn more about how to avoid overdraft protection, and other banking errors.

Data:
Tagi: #

dailyhealthstudy

For women's health, tips for heart, mind, and body - https://www.mpolska24.pl/blog/for-womens-health-tips-for-heart-mind-and-body



If you want to avoid problems such as strokes and heart disease, there is an easy way.


Get more fruits and vegetables.

Whole grains are better than refined ones. Brown rice is better than white. Switch to whole-wheat pasta

Consider lean proteins such as poultry, fish and beans.

Reduce your intake of processed foods, sugar, salt, saturated fat, and other unhealthy food.

Flexibility is key to eating well, according to Joyce Meng, MD assistant professor at UConn Health's Pat and Jim Calhoun Cardiology Center. You can follow a strict diet plan if you prefer. It's okay if you don't like following a strict diet plan.


Tricia Montgomery (52), founder of K9 Fit Club knows firsthand the benefits of a healthy diet and lifestyle. Her favorite things are eating healthy food and making small, frequent meals. She says, "I don’t deny myself anything." "I still enjoy dessert, key lime pie, yum!" -- I love frozen gummy bears and moderation is the key.


Get regular checkups. Your doctor will keep track of your medical history so that you can stay healthy. If you are at high risk of osteoporosis (a condition that weakens bones), your doctor may recommend more vitamin D and calcium.


You may be recommended by your doctor to have screening tests done to monitor your health and detect conditions before they become serious.


Be open to communication. Meng said, "If you have any questions, ask your doctor." "Ensure you are satisfied with the information." Talk to your doctor if you have concerns about any medication or procedure.


Reduce Stress

It can be very detrimental to your health. It is impossible to avoid it all, but there are ways you can reduce the effects. Do not take on too many responsibilities. Set limits for yourself and others. It is okay to say no.


To relieve stress, try:


Deep breathing

Meditation

Yoga

Massage

Exercise

Healthy eating

Talking to a friend or family member.

Develop healthy habits

You can prevent problems from coming your way tomorrow if you make the right decisions today.


Brush your teeth twice daily and floss each day.

Don't smoke.

Limit your alcohol. Limit your alcohol intake to 1 drink per day.

Take your medication exactly as prescribed by your doctor.

Get better sleep. Try to sleep for at least 8 hours. Talk to your doctor if you are having trouble sleeping.

Keep out of direct sunlight between 10 a.m. and 3 p.m.

Wear your seatbelt.

Meng suggests that you take time each day to invest in your own health.


Montgomery was able to see the benefits. Montgomery says that she has overcome health issues, is happy, and has a positive outlook. She says that her life has been forever transformed.

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