Undermining your health actually is not a career advantage.
Organic gardening is also cheap for the most part. Here are some strategies to aid you in becoming a successful organic gardener.
Try to put an aspirin in the water for fighting plant diseases. Dissolve 1 aspirin (1.5 pills per gallon of water for a bucket and administer to your plants. You can easily spray this concoction to help them to fight of disease. Try to apply the mixture to the plants with this around every three week period.
It is simple to prepare your garden for perennial garden. Use your spade to slice chunks of turf up, then flip each piece over, then spread the area with approximately three inches of wood chips. Let this sit for a couple weeks, then turn the earth and set up your new perennial bed.
Have plastic bags on hand that you can put over your muddy gardening shoes if they are muddy.
Pine is a great source of mulch. Cover soil beds with a few inches of pine needles, they will release acid into the soil and nourish your plants.
Add used coffee grounds to your garden’s soil. Coffee grounds are full of nutrients that plants need.
Don’t let all the little chores in your organic gardening tasks stack up for very long. Even if you are too busy to tend to your gardens needs every day, do small tasks that will help you avoid having to do large tasks when you finally do have time. For example, while your canine is outside going to the toilet, such as when you take your dog out for a potty break.
Use an old laundry basket to help you collect your produce. The basket will make a makeshift strainer for the fruits and vegetables.
Do you prefer to eliminate weeds naturally? You need many layers of newspapers.Weeds must have sunlight to grow. The layers of newspaper will block sunlight and weeds won’t be able to grow. Newspapers break down into compost nicely. You can then add a mulch to make them look more attractive if you like!
Organic gardening is more difficult than gardening with chemicals, but the payoff in the end is well worth the work. Chemicals are extremely efficient, but a chemical free organic garden will always produce the best results.
Adjust your watering to the season and current climate. For instance, if you are in a warm and humid climate, humid climate watering the leaves can cause leaf fungus.
You may be able to skip watering for an entire day if rain is on the pending weather.
The bulbs are ripe for harvesting when the tops turn brown.
When you are purchasing tomato seedlings for your organic garden, look at the roots as well as the green parts. These starts will stick to the seedlings for quite some time, hindering the growth of the seedling as long as they are present.
Utilize the advice provided here, and you will soon be on your way to having a flourishing organic garden that is both healthy and free of pollutants. When you are organic gardening and working with nature, you will also see a lot of wildlife coming to visit!
The family road trip can be a great experience, but it can easily go over your budget. It’s important to plan ahead so you can save money on your trip.
Road trips can be economical if you follow several important tips:
1. Carefully plan everything at home. It’s easier to plan ahead than to come up with last-minute solutions on the road.
* You can find a variety of deals online, make phone calls, and compare rates. Book your arrangements ahead of time so you can actually use your vacation to relax.
2. Compare gas prices. Gas prices often fluctuate from one area to the next.
* Use apps and websites to see the gas prices along your route. You can compare gas stations and read reviews.
3. Reduce the cost of food. Fast food is convenient, but the cost can quickly add up during a road trip. You may want to bring your own snacks and meals.
* Consider getting a large cooler with ice to pack food and beverages. Your cooler may hold enough food for a couple of days, but in most cases you’ll still want to eat out sometimes. This is another opportunity to do research ahead and find the most economical restaurants.
* Restaurants aren’t the only option. You can also make pit stops at grocery stores to fill up your cooler with more snacks and meals.
4. Check twice to ensure you’ve packed essentials. Did you remember to bring all of your medication and other medical supplies? You can save money by avoiding a trip to a pharmacy.
* Do you have enough clothes and shoes for everyone? Are you prepared for emergencies? Avoid having to shop for a new pair of sneakers during the road trip because your child’s feet are cold.
5. Check out free events and attractions. You’ll find that many museums, events, and other places have free admission. You can add these to your plan as you put together your list.
6. Carefully check your car before you leave. Inflate your tires to the pressure that’s recommended in the car’s manual to maximize gas usage. Also, consider the car’s weight. Heavier cars burn more gas, so just pack the essentials and avoid bringing unnecessary items.
* You can avoid costly roadside assistance and towing by doing recommended maintenance that you know will be needed soon. Do you need an oil change or minor repairs? Do them before you leave on your trip!
7. Find flexible cancelation policies. Are you making reservations ahead of time? Road trips can be eventful, and the best plans cannot prevent all possible emergencies.
* Search for hotels and restaurants with flexible cancelation policies to avoid adding extra costs to your trip. If you’re late and miss a reservation, some businesses charge you.
8. Look for coupons and additional discounts along the way. These money-saving items can reduce the cost of your trip.
* Coupons and discounts may be available from hotels, restaurants, and other places. Museums and shops may also offer them along your route. Stock up on additional savings.
Road trips can stay under a budget with the right plans. If you consider the costs of common items that occur during a trip, you can save money.
Credit cards come with several hidden benefits. Are you aware of some of the perks of using your card? Credit card companies offer multiple perks to help you get the most out of your card.
Check the terms of your credit cards for these benefits:
1. Roadside assistance. Did you know credit cards often offer roadside assistance that is similar to AAA?
* This perk varies greatly based on your credit card provider. Companies either offer free service or a paid service. You’ll have to carefully check the policies as you sign up for this perk.
* If you’re stranded and need help, roadside assistance can come rescue you.
2. Longer warranties. Did you purchase an appliance or electronic device with your favorite credit card? Your credit card may extend your warranties.
3. Protection from cancelations. Did you miss your concert or play? Credit card companies can refund the money you spent on tickets. However, you have to use the card to make the initial purchase.
* Even if it’s your fault you missed an event, you might still get a refund. This service is only provided by some carriers, so check your card before you claim this benefit.
4. Exclusive access while you travel. The fancy airport lounges can be yours if you have the right card.
* Credit cards can offer you the chance to stay in the best airport lounges and hotels, at no extra charge. These exclusive offers vary greatly based on your card, but many of them will grant you special access. Enjoy a unique cocktail or appetizer while you wait for your next flight.
5. Extra help while you travel. The lounges are not the only travel benefit. If you have an emergency while you’re traveling, credit cards can help you. They offer services such as insurance to help you if your luggage disappears or your phone is lost.
* Companies can offer assistance in several ways. They may replace the luggage or send you money so you can replace it yourself. They may also help you track down the luggage.
6. Replacing stolen items. Was an item you purchased stolen?
* If one of your purchases is stolen, credit cards can help you. As long as you paid for the item with the credit card, you can report it to them. This will vary by provider, so check your card.
* Items that can be replaced vary from electronics to furniture. However, not everything is covered. For example, stolen food isn’t covered by most cards.
7. Help returning items. The sweater you purchased is too pink, and the shoes are too tight. Your credit card can help you return these items.
* If the person or business refuses to take back the items, then the credit card will refund it anyway. This is done within 90 days of the purchase.
* You’ll need to save the receipt and tags to ensure everything is covered.
* Credit cards limit the total amount of money that can be refunded, so extremely expensive items are usually not covered. In addition, some items like food may not be a category that falls into the help section.
Credit card perks are often hidden in the fine print. However, you can benefit greatly by being aware of these benefits.
Meditation and financial success might appear to be in separate worlds, but meditation can be very helpful for dealing with financial pressure and reaching new levels of financial success. Meditation might be the missing link you need to reach your financial objectives. It can be that powerful.
Achieve your financial goals with meditation:
1. Find a quiet spot and put yourself in a comfortable position you can maintain for at least 30 minutes. A quiet place at home is easiest. With practice, you can learn to meditate on a noisy subway. Find a comfortable seated position.
2. Spend the first few minutes emptying your mind. The easiest way to do this is by placing all of your focus on your breath. Feel the air moving in and out of your chest. Breathe in through your nose and out through your chest. Keep your attention on your breathing.
3. Focus on a financial challenge in your life. Notice the changes in your thinking. Notice the sensations in your body. Your mind might be racing to the future and imagining the worst possible outcome. Your heart and breathing might quicken. The key is to dispassionately observe your reaction.
* Continue observing until everything subsides. The uncomfortable thoughts and feelings in your body will rise and fall. Talk yourself though it. “That’s interesting. My stomach is feeling nauseous and my mind is racing.” “The feelings are starting to go away.”
4. Think about a financial goal. Lots of us have financial goals. Most of us fail to take any real action. Think about a challenging financial goal and repeat the same process above. Notice your feelings and thought processes. Continue until the noise subsides. Make note of the thoughts that arise.
* “I don’t know how to accomplish it.”
* “My ex will take any extra money I earn.”
* “I don’t know enough.”
5. Visualize taking the first step toward that goal. Imagine taking the first logical step toward realizing your financial goal. What thoughts and feelings arise?
* Realize that if all of your thoughts and feelings were positive, you’d be aggressively and enthusiastically pursuing your goal!
* It’s the negative thoughts and feelings that are holding you back. Meditation is an effective way for dealing with these roadblocks.
6. Consider the end. Imagine that you’ve just achieved your goal. How do you feel? What are you thinking? This is important. Even the achievement of an amazing goal might not be 100% positive. Maybe you’re worried about the taxes you’ll owe. Perhaps you’re worried about how your friends and family will react to your success.
* These issues can prevent you from ever attaining the success you desire.
* Continue meditating until the feelings subside.
6. At a later time, sit down and examine the beliefs that might be blocking you from financial success. Remember, if you had effective beliefs, you’d already be knocking your finances out of the park.
* Are the beliefs reasonable?
* How did you develop these beliefs? Who taught you these things?
* Can you put your faith in alternatives that are more supportive of your goals?
* What are the benefits of changing your beliefs?
You’ll find that meditation needs to be done regularly to achieve excellent results. It’s a skill that develops over time.
Meditation isn’t just for Buddhist monks. You can use meditation to make positive changes to your financial life. Apply a little meditation to your financial challenges and goals and boost your financial success.
- It’s not the things you don’t know, but rather the incorrect things you believe, that cause many of the real challenges in life. A few errors in your thinking can be a detriment to your finances. Enhancing your understanding of money and personal finances is an effective way to get on the path to prosperity.
- Avoid these money myths:1. Income equals wealth. People that make more have a tendency to spend more. Lottery winners are notorious for losing everything. Many of the families that earn over $1 million per year manage to outspend their income. You can earn a very high income and still live paycheck to paycheck.* Wealth is what’s left over after you’re done spending. The more money you’re able to invest in appreciating and income-producing assets, the more you can expect your wealth to grow. A high income provides opportunity. It doesn’t provide a guarantee.
2. More money equals more happiness / Money has nothing to do with happiness. Studies have consistently shown that more income results in greater levels of happiness to a point. The break-even mark appears to be $75,000 per year.
* If you’re earning less than $75,000, you can expect your feelings of happiness to increase with a greater income.
* If you’re already earning that much or more, more money isn’t going to make you feel any better.
3. Wills are for rich people. Everyone with children or assets needs a will. Unless you want the courts to decide who will raise your children and receive your assets, you need a will. A simple will is only a few hundred dollars. You might even be able to do it yourself for less.
4. Owning is better than renting. From a financial viewpoint, it depends. Mortgage interest is deductible, but it’s still a significant expense. Home ownership also includes property taxes and maintenance. The upside is the potential for appreciation and a place to call your own. Crunch the numbers and decide for yourself.
* Renting is generally advantageous in the short-term.
5. Quality and price go hand-in-hand. There are many examples of this statement being false. Generic drugs are identical to the brand name version and cost much less. Companies price goods and services in order to maximize profit. That means the perceived value affects pricing, not the actual value.
* Many items are priced to accommodate expensive marketing campaigns. The Beats headphones so popular with teenagers are considered by experts to be only worth half the common retail price. In this case, you’re not paying extra for higher quality.
6. An index fund never wins. Over time, index funds outperform the majority of managed funds. More often than not, the lower expenses and turnover rate of an index fund are more important than a professional stock-picker. Take advantage of the ability to match market returns for very little expense.
7. You should never have a credit card. Credit cards are a wonderful invention if used properly. However, credit cards also provide a means to spend money you don’t have. This can be a challenge or a godsend, depending on the circumstances. Credit cards can also help (or damage) your credit.
Are your erroneous beliefs limiting your financial growth? Consider all of your money beliefs and question if they might be incorrect, too. Having accurate beliefs enhances decision-making and results. Avoid buying into the myths.
User interface, web application and identity for Makr Shakr, an installation at the Google I/O Conference and Milan Design Week, 2013. Design by Eddie Opara/Pentagram. Developed in collaboration with MIT Senseable City Lab.
Mobile payment apps make transferring money an easy process. However, it’s important to keep your personal finance information safe while using them.
Following these tips will help keep your information safe:
1. Only use official mobile payment apps. The source of your apps matters. You want to avoid the fake ones.
* Experts recommend obtaining the apps directly from the stores where you shop and not a random blog or sales page. Stores like Google Play and the Apple store also have official apps you can purchase.
* Fake apps are floating around the Internet, so you’ll have to be careful.
2. Get two-factor authentication. This type of authentication offers more protection for your finance and personal information.
* Two-factor authentication is an extra step during the log-in process. After you sign up for it, you’ll have to enter your password plus a special code to get access to the app. The special code is usually sent via a text. This additional layer of authentication depends on your mobile phone number.
3. Make your phone safer. Have you set up a pin and password for your phone? Making your mobile device safer is crucial to keeping your information from hackers.
* It’s important to set up the pins, codes, and passwords before accessing the money apps.
4. Be careful with public wi-fi. It may be best to save your mobile money app transactions for a secure network.
* Public wi-fi is convenient, but it can be hacked. This could leave you vulnerable to people who want to get your personal and financial data.
* Checking the network for security is essential before using an app to transfer money.
* For an extra layer of protection, consider turning off wi-fi in a public area. This way you’re not tempted to use it by mistake because you forgot.
5. Pay attention to your statements. The apps are easy to use and make transferring money a fast process, but you still have to pay attention to the statements and ensure each transaction is correct. You may want to log in frequently to check for updates.
6. Report issues immediately. Waiting for issues to resolve on their own is not the best plan for mobile payment apps. If you see any transactions you don’t recognize on your statement or account, report them immediately. Transactions may be stopped before a hacker gets hold of your money. Also, report it to your bank.
7. Consider a phone block app. Smartphones are a lifeline, so losing a phone can affect your business, family, and life. What would you do if you lost your phone?
* You can download apps that will block access to your phone if it disappears or is stolen. These apps require you to enter a code or password from another device, and your missing smartphone is locked. This will add another layer of protection to your personal data.
8. Check for updates often. Do you have automatic updates turned on? It’s important to keep the operating system on your mobile device current. Automatic updates will make the process easier, or you can do it manually.
* Hackers search for vulnerabilities in older operating systems all the time, so keeping an updated phone is a good idea. You’ll have improved speed and the latest patches to stay safe.
Mobile payment apps are an easy way to send money. However, you’ll have to be careful while using them to protect your private information. Using these tips will enable you to take advantage of the convenience while bringing you greater peace of mind.
A big income and fancy degree do not guarantee financial abundance. Effective money habits are an important part of achieving financial independence. Over time, your habits will ultimately determine your outcomes. Choose your habits wisely and watch your bank account grow. A few new, simple habits can create positive change.
Add these money habits to your financial life:
1. Automatically transfer money to your savings or brokerage account. If left to our own devices, few of us would consistently put money into our savings account each month. Remove the temptation and responsibility. Save a portion of each paycheck without having to think about it.
2. Review your financial goals each day. One of the most effective ways to save and invest effectively is to review your financial goals and keep them fresh in your mind. Don’t have any goals? Make a few.
3. Only use a credit card in an emergency. Sure, there are cards that allow you to earn points toward good and services. But is the risk of running up your debt worth it? Pull out the debit card and save the credit card for emergencies.
4. Pay your bills weekly. Set up a day and time each week to pay your bills. Try to pay all bills at least 10 days before they’re due. Holidays and weekends can prolong the amount of time it takes for online payments to post or for the mail to reach its final destination. Avoid waiting until the last minute, and late fees will be a thing of the past.
5. Learn a little more each week. You might have had a single class on personal finance in high school. Any additional education on the topic will be your responsibility. Spend 30 minutes each week on a topic that will enhance your understanding of personal finance. A few ideas:
* Managing debt
* Retirement planning
6. Check your bank accounts each day. Take a minute and review your account balances. Everyone has unexpectedly run out of money at one time or another. Never be surprised again.
7. Live below your means. This single habit makes it easier to pay bills, save money, and avoid debt. Adopt a lifestyle that will allow you to save at least 15% of your paycheck and still avoid going into debt.
* This where a budget really comes into play. With a household budget, you’ll be able to see how well you’re doing each month.
8. Max out employer retirement accounts. If your employer offers a 401(k) plan, be sure to contribute enough to receive the maximum match amount.
9. Eat at home. Every meal out costs a significant amount more than the same meal would cost at home. Plan your meals in advance and save money.
10. Comparison shop. Comparison-shopping can save money and prevent wasteful purchases in the first place. By taking your time, you’ll have a better chance of finding the best price. You might also find that the urge to splurge has passed by the time you find the best deal. Shopping around can be half the fun.
How many of these habits do you currently have? Consider the idea that every money habit you have is either taking you closer to or further from your financial goals. Are your current habits enhancing your finances or harming them? Evaluate your habits and rate their effectiveness with a long-term perspective. Decide to adopt one new habit today.