Healthy Living, Money Saver, Tips and Tricks

How To Stay Healthy and Save Money

How To Stay Healthy & Save Money

How To Stay Healthy

It has long been a common opinion that healthy living comes with a cost. In the view of some, keeping ourselves healthy leads to financial worries, and it’s much easier to buy fast food for half the cost. However, there are all sorts of ways to stay healthy and spend a relatively small amount of money in the process. None of these tips are particularly difficult to get to grips with, and they can be used in all sorts of areas of your life, too!

So, we’re going to highlight a few of these ideas today. Let us know your thoughts, especially if you’ve found any better ways to save money on healthy living essentials!

What Are The ‘Essentials’?

In order to save money on the essentials, you’ve got to actually think about what you class as ‘essential.’ Think about it. You want to live healthily, right? So why are you still considering chocolate bars and packets of chips as essentials? Yeah, a balanced diet is a good thing, but there’s no reason to be buying things like that on a regular basis. You need to look at your usual shopping routine and consider what you’re currently buying on a consistent basis. You might just find that you can save money by cutting some of those ‘essentials’ out of your routine.

Spot The Best Deals

Spotting the best deals is an art in of itself, but it can save you all sorts of money in the long run. When you’re out shopping, make sure you’re checking for any deals that might save money. Keep one eye on the television ads in case you see a deal that particularly takes your fancy. Of course, the best way to spot the best deals is to go online. There are all sorts of dedicated websites that can help to do this. You need to be looking for good reviews, low prices, and reputable places. Guardian Life can offer great deals on insurance while JensonUSA can do the same for cycling equipment. Whatever you need, you can find it online.

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 Social Media

The world of the internet is a great place for anyone to save money, and social media is an important way of doing it. Facebook, Twitter, and other platforms hold the key to all sorts of great money-saving methods. Of course, you can simply browse your timeline and see if anyone has posted anything. Dedicated groups often post the best deals as well. Then, there are online forums where people gather together to find the latest and greatest money-saving methods. Just a bit of research will uncover these methods, and they’re a great way of finding what you need.

Instead Of The Gym, Go Outside!

Yeah, we all love the comfort of the gym. It has some fantastic equipment; it can be used all year round, and it’s even a great way to make friends! However, you want to save money, right? Well, the greatest substitute for the gym is the great outdoors! There are mountains, wooded areas and all sorts of paths you can utilize for a walk or a run. The best part is: it’s completely free! Why wouldn’t you take advantage of this great method? If running or walking gets boring, you could always get the bicycle out and go for a ride! The possibilities are almost endless, so ditch that gym membership and start enjoying the outdoors.

Coupons, Coupons, Coupons!

We’ve all heard of those people who budget so well, that they don’t even need a full-time job. Yes, some people live off the power of coupons. You know what I’m talking about; the ones you’ll find in newspapers, magazines, and on online websites? In some cases, they’ll allow you to get a small price off an item, and in others, they can drastically reduce the cost. However, it doesn’t matter either way! The most important thing is that you’re saving money on those essentials. Never underestimate the power of coupons. They might seem like a bit of a hassle, but you’ll find that they only take a small amount of time to obtain. Use them wisely, and they’ll make a big impact on your finances.

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Get Out In The Garden!

All those healthy foods like vegetables and fruits that you buy over the course of a year will add up when it comes to money. Have you ever thought about taking up gardening and utilizing the power of your garden? By taking the time to learn about this, you could save a lot of money in the long term. There are all sorts of healthy things you can grow yourself, and never underestimate how much fun and how satisfying it can be! You might just find that you obtain a new hobby in the process, as well as saving a vast amount of money. You can find all sorts of books and websites dedicated to learning about how to go about this if you’re feeling a little confused.

Cut Back In Other Areas

Saving money on the essentials is perfectly do-able, but you might still find that your finances aren’t improving that much. In this case, it’s probably because you’re still spending too much in other areas. Do you properly manage your budget? Are you as organized as you should be? It’s incredibly important to put a budget plan in place from month-to-month. Keep a track of how much you’re spending, and what you’re spending that money on. If you’re going overboard on gadgets and gizmos, it’s time to cut back. Similarly, it might just be that you’re going to restaurants on a regular basis, and you need to reduce those visits a little more. As long as you’ve got a way of tracking your money, you’ll be able to pinpoint what’s going wrong.

Look For Sales

There are so many people out there who neglect the sales and deals in favor of buying things at full price. There are certain things you need to buy regardless, but not everything! Sales are an important way of saving money, especially at certain times of the year. For things like sunscreen to keep you healthy in the summer, it makes sense to buy it in the winter. That way, you’ll be saving a lot of money in the process, and you’ll be one step ahead of all the suckers who buy it in the summer! Start thinking cleverly about sales and you’ll reap the benefits in the long run.

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Change Your Daily Routine

The way you live your daily life might just be the reason for spending so much money on the so-called ‘essentials’. When you go to work, do you take a lunch with you or do you spend money at the canteen? It’s normally the latter. Similarly, how quickly do you get through your food at home? Do you eat for comfort reasons or do you make it last? It might be that in order to save money, you’re going to have to change your normal routine. Make a list of everything you do on a daily basis. Try and analyze where you’re going wrong. You might be surprised by the results!

Talk To Friends

There are so many companies out there that rely on the power of word-of-mouth to survive. If you’re looking to try and save money on essential items, you should be talking to family and friends. Ask them how they do it! Try and gauge how they live their everyday lives and see where you might be going wrong. They’ll normally be happy to provide you with different websites and sources they use to ensure they can save money. You’ll often find that they bring things like this up in casual conversation from time to time. Note it down if you need to; it might just help you in the long run!

Plan Your Budget More Effectively

Not everyone can organize their budgets effectively. Heck, I’m no good at it! We’ve already talked about the need to plan your month, but it’s just not that easy for some of us. However, there are plenty of ways to plan your budget more effectively. There are companies out there that can do this for you if you’re willing to spend a bit of money. Alternatively, the best way to do it on the cheap is to download software. Whether you’re downloading on a PC or using a mobile app, this is often the most effective way of getting on track. Browse websites to find what you need, and you should find that your finances improve as a result. Most of these pieces of software are free, too, which is always a bonus! 


Hopefully, we’ve been able to put a stop to the myth that healthy living will ruin your finances. No, it doesn’t have to be that way, you just need to manage your budget more effectively! It won’t take long to start saving money again. Start implementing the tips we’ve mentioned today, and your finances will remain healthy for many years to come.

Education, Healthy Living, Money Saver

Tips to Spring Clean Your Finances

Sponsored post for PolicyGenius

Ten years ago my husband and I married-I came with student loans and a car loan and other credit debt and he was a year into a divorce and left with a lot of that debt and house he was upside down in. It seemed like an impossible task to climb out of debt, but here we are today living debt free-free of car payments, free of any loans and zero balance credit cards. 

We sat down, drew all of the ‘outs’ and all of the ‘ins’ and made our own plan. You are in the spring cleaning mode so why not spring clean your finances? If you set a date-send the kids to Grandma’s or a friends and grab out the notebooks and log-ins to your accounts you’ll soon draft a visual on where to start. Sounds easier said then done, right? 

Here are some tips to get you started, many of which I received from PolicyGenuis

Make the time:

-Make it a date and have all of your finances together to go through-your bank statements, credit and loan statements and all other ‘out’ and ‘in’ statements

-Let the kids be somewhere else! Take them to a friend or family members house or if they go to bed early enough and you can stay up for it-wait until they are occupied or away. You’ll just be more focused that way

-Focus on short term goals-have a bonus or lump sum coming-pay something off. It is overwhelming to think ’10 years from now…’ so focus on scratching one item off the list

-Plan again each time you pay something off. Tackle smaller amounts first. Once you pay something off, take the money you were paying into that debt and apply it to another to tackle the next item on the list. Don’t live like you have extra money each month because that extra money is now working towards the next goal!

Check your credit score:

– It’s free! Your credit report plays an important part in your credit transactions and many other financial relationships.
– Want to raise your credit score? These tips will help you get your credit where you want it to be.


Identify holes in your financial and insurance portfolio:

– Use online services like Mint.com, YNAB or Level Money to track and manage your budget to keep you on track. If you already have an account set up, cross-compare budgets with popular personal finance case studies to see how you track and where you can make impactful changes.

 – PolicyGenius Insurance Checkup will assess your insurance gaps, over coverage and even areas for potential savings through a 5-minute Q&A that analyzes your financial and family situation to provide you with tailored feedback.

– Or, if you prefer a DIY budgeting approach, use this opportunity to see where you need to make some changes to hit your goals by the end of the year.

– Do you have the right types of insurance? How about the right level based on your household income and future goals?

– Chances are you haven’t checked your insurance levels since you signed up for your individual policies the first time around.

– As your financial and family situation changes along with your long-term goals, so do your insurance needs.

Make a Plan for Your Tax Return Next Year:

– If you haven’t filed for your tax return or you’re looking to do something more than just buying a new couch you’ve been eyeing?

– Pay off debt! It gives you options and takes the stress away.

– Invest in your retirement. You can contribute up to $5,500 tax deductible dollars to your Individual Retirement Account (or IRA) every year. For someone in the 25% tax bracket, contributing the full amount can lower their tax liability by $1,375.

Do it now-before life really gets hectic with kids needing a car or college tuition or children needing wedding finance help. As hectic as the household is when their are young kids, it is the best time to start tackling that debt and create an Insurance checklist.

When was the last time you made your finance plan a priority? 

Healthy Living, Money Saver

Advil Sinus Congestion and Pain

I was sent product for feature. Campaign on behalf of Smiley360

Advil
 
Like clockwork, my husband, youngest son and I suffer the same allergy symptoms in the spring and fall allergy-prone times of year. Our sinuses are what suffer the worst. We have that one nostril clogged feeling and it lasts for weeks. When I was asked if I wanted to be sent some Advil Sinus Congestion and Pain for feature I was not so much excited to try it, but rather add to my medicine box because Advil Sinus is all I use when I suffer.
Advil Sinus

 

I discovered Advil Sinus Congestion last spring on accident. I had used a certain brand and when I went to buy it I saw a special with coupons attached to boxes of Advil product so I thought I’d try it because the sale was too large to resist. I took the chance on switching and realized I was missing out. After the first day or two I had immediate relief like I had never had in the thick of my symptoms.
Advil Sinus Congestion
I love that it is a one dose capsule, The capsule is small and is non-drowsy. I would take one in the morning to make sure I was not too inconvenienced all day with the sinus headaches and congestion. I get ibuprofen for the painful swelling and phenylephrine for the congestion. The perfect blend for congestion relief.
Advil Pill
Now you can also take advantage of a coupon like I did to try Advil Sinus Congestion & Pain because they are offering a $1 off coupon. Use Advil Sinus Congestion & Pain for nasal congestion, sinus pressure, nasal swelling, headaches, fever and body aches.
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Skylanders Day Sales at Gamestop on Skylanders SuperChargers

Skylanders Day is January 9th, 2016 at Gamestop!
 
Skylanders Day Savings

Pick up a SuperChargers starter pack for only $39.99 or $59.99 for the Dark Edition, and receive an additional Skylanders starter pack from a previous game (Skylanders Swap Force, Skylanders Trap Team, and Skylanders Giants) for FREE!

Save 50% on select Action and Combo packs! Plus other Skylanders product items on sale.


New Skylanders SuperChargers Character

Birthday Bash Big Bubble Pop Fizz! For fun, any that arrives late must sing the birthday song solo in front of the entire Academy. But rather than seeing this as an embarrassment, Pop Fizz continues to see this as an opportunity to show off his new Big Bubble party instruments, and so he arrives late every time!