Are your finances feeling low? These money rules will make them happy

Are you in a financial situation where uncertainty is the only constant? If yes, then I’m afraid your finances are screaming HELP! So, what should you do to keep your finances happy? Do you have any idea?

Well, if you’re confused, then let me tell you that there are some simple money rules which can help your finances become cheerful again. If you wanna bring back your finances on track, just be patient and follow these money rules by hard. SIMPLE. 🙂

1. Save more and spend less

Isn’t it sounds simple? Yet there are many individuals found buried deep in debt or just living paycheck to paycheck. That’s quite depressing! Isn’t it?

If you don’t want to live a life like that, then open a savings account and start putting some money there. If not more, try to save at least 10% of your income. I’m sure, this money will be your savior in a financial crisis.

After meeting all your monthly necessary needs, paying off debts (if you have any) and utility bills, and saving a minimum amount if possible, try to invest your money in something useful. It’ll help your money grow. But, don’t forget to consult an investment advisor before investing your money.

2. Plan well before you buy anything

Unplanned purchases always help you spend more money on unnecessary things. Thus, draining your hard-earned money. You should plan well and make a list before hitting the stores. By doing this, you can also keep track of your money’s whereabouts and control your expenses.

The next time you go grocery shopping don’t forget to make a list. Remember, no list equals to less money in your pocket. So, make a list of things that you want to buy and stop your dollar from vanishing.

3. Keep money aside for retirement

Would you like to spend your retired days worrying about money? If not, then from now onward keep aside some money for your gray hair days too. Also, take advantage of the employer-sponsored retirement funds. If you do so, you’ll be able to enjoy a stress-free and happy retirement.

4. Save money for your rainy days

Apart from saving for your retirement, you must not forget to save for emergencies. Emergencies are uncertain and if you haven’t kept the money for your rainy days, then start doing it right now. You should save at least six months of living expenses in your emergency fund. While you build your emergency fund make sure you have a plan B like money saved in Roth IRA or unused line of credit.

5. Live on a cash diet

It is proven that we tend to spend less if we use cash for paying our bills. This is because when we’re taking out money to pay the bills we can keep track of how much money is going out of our pocket. Whereas, if we pay our bills with credit cards we won’t be able to track how much money we’re spending.

So, you are advised to make payments with cash. This way you can keep track of every dollar you’re spending.

6. Find out new ways to earn money

It is the best money rule you can live by. Besides, saving and investment for your secure financial future you can always find out new ways to earn money. You can start a part-time job or do freelancing. Find out your extra skill and use that to earn more money. For instance, if you’re good at writing, you can choose freelance writing.

7. Pay off your debts quickly

If you want to keep your finances happy and stress-free, then try to pay off your debts as soon as possible. The more you have debts, the greater will be your financial risk. So, keep aside some money from your paycheck to pay off your debts. You must avoid doing things that’ll drag you to debt. If you’re having difficulty in paying off your debts, take help from a good professional who’ll guide you in the right way.

A piece of advice: Maintain a monthly budget plan and try to stick to it. It’s a money rule that can keep your finances on track and cheerful.

Categories: Personal Finance


How can you celebrate Parents’ Day?

Every year Parents’ Day is celebrated on the 4th Sunday of July. This year, it’ll be celebrated on 24th of July, 2016. From 1994, this day is observed as an official holiday in the country.

How to celebrate Parents’ Day

Parents’ Day is just around the corner. Have you made any plans for your parents? If not, then you can pick one from below:

1. Spend time with your parents

As long as you spend time with your parents, it won’t matter whether or not you’ve bought a gift for them. Parents are really precious. They won’t ask anything from you except your time. So, this Parents’ Day you must spend some quality time with your parents.

Believe me, “spending a we-time” with your parents is the best gift you can ever give them.

2. Make breakfast for them

Don’t let your parents cook on this day. Instead, surprise them by making their favorite breakfast. You can also go out for lunch or dinner with them. Or, you can order pizza and have a nice picnic in your living room.

3. Create a memory book

Memories are precious. Create new memories and relive old memories on this day. Make a memory scrapbook or a family tree for your parents. Don’t forget to stick some pictures.

4. Organized a party at your residence

What’s better than hosting a party at your house. Become a music jockey for that day. Search for songs that your parents love and put them in a disc and gift it to them.

You can also organize a theme party. It’ll be great fun to return to good old childhood days again. Don’t forget to match your costumes with that of your parents’.

5. Gift your parents their favorite chocolates

Chocolates are always enjoyed by all. You don’t have to be young to enjoy chocolates. This Parents’ Day give your mom and dad their favorite chocolates. Even better, you can make homemade chocolates for your parents.

6. Book tickets for a movie

If you haven’t made any plans yet, then you can gift tickets for a movie, a concert or a theatrical that they like. You can even present tickets of their favorite game.

7. Bake a cake for them

Cakes are a must for every happy occasion. So, this time instead of buying a cake from your favorite cake shop, try to bake one at home. If you don’t know how to bake a cake, then you can ask your parents or other family members for help. Follow their instructions, but do it on your own. This’ll give your parents more joy.

8. Decorate the house

Celebrate Parents’ Day by decorating the house. Use streamers, balloons, and poster board to do the decorations. Your parents will be elated to see that you’ve invested your time and energy to make them happy.

Flowers can make anyone happy. So, think of ways you can decorate the house with flowers. You can also make a garland and gift it to your mom and dad.

9. Make a card for your parents

You will easily find beautiful Parents’ Day cards at the gift stores. But, try to gift a homemade card to your parents. You can write short messages and stick pictures in the card to show your love for them.

10. Make your parents feel special

Most importantly, try to make your parents feel special. Tell them how much they are important to you and how much you love them. Give them a nice hug. Spend some quality time with them.

Always be thankful to your parents for their contribution in your life. Pray for your mom and dad. It’s one of the best gifts you can ever give them.

What are your plans for celebrating Parents’ Day? Share them with us in the comment box below.

Categories: Miscellaneous


Want to start a blog? Check out these tips…

When I thought of starting my blog My Way Of Viewing, I had no idea from where to start and what to do. Well, I know how it can be confusing to start a blog completely on your own. So, in today’s post, I would like to share some useful blogging tips for the blooming bloggers. Hope you enjoy reading it.

A beginner’s guide to blogging

It’s a great idea if you want to start your blog. But, do you know how to proceed? No? Don’t worry! I’ll try to guide you in the best possible manner.

Here’s a list of blogging tips for newbie bloggers:

1. Find out the reason for starting a blog

People have different reasons for setting up a blog like they want to –

  • Evolve into a better person
  • Improve their writing skills
  • Let their voice be heard
  • Strike a difference
  • Publish their works
  • Help people with their writings
  • Make money, and much more

So, first find out why you want to create a blog. Make sure you have a good reason behind it.

2. Decide the purpose of your blog

What is the type of blog you want to start? Is it a travel blog, a fashion blog or a finance blog? Yes! First, you have to decide your blog’s desired goal, which means the theme or focus of your blog. After deciding the purpose of your blog, start working on how to attract your readers.

It’s better to choose a theme you’re passionate about. Nothing is better than choosing your hobby as your blog’s theme. Moreover, you should feel good and happy doing it. Find out your interest of which you’ll be blogging such as fashion, food, finance, traveling, technology, movies, books, politics and so on. Make sure you share informative information in your blog.

3. Select a blogging platform

Choosing the right platform for your blog is vital. Some of them are free and some you’ve to buy. You can select one from the below-given list of the most popular blogging platforms for your blog:

  • WordPress
  • Blogger
  • Tumblr
  • Typepad
  • Movable Type
  • Drupal
  • Joomla
  • ExpressionEngine
  • Medium
  • Weebly
  • Squarespace, and more.

4. Choose a name

Though selecting a name for your blog seems easy, but actually, it’s harder. You have to choose a name that is short, related to your theme, and easily understandable by your readers. Remember, your blog’s name must be available on an all social media sites.

5. Create an email list

If you want your readers to sign-up, then open an email account first. According to Kristi Hines, freelance writer and professional blogger, “start building your email list from day one. Even if you don’t plan on selling anything, having an email list allows you to promote your new content to your audience directly without worrying about search rankings, Facebook EdgeRank, or other online roadblocks in communications.”

6. Draw ideas from your audience

Try to get ideas from blog comments or Tweets. As per Dave Larson, founder of @tweetsmarter, “Create blog posts that answer the most interesting questions from people you engage with on social media.” Find out what people would like to read.

7. Know your audience

If you understand your audience, you’ll be able to produce better blog content. You can ask your readers on social media and find out what they want. Brian Clark, founder, and CEO, Copyblogger said, “Understand your audience better than they understand themselves.”

8. Try to be different

You will find a million other blogs on the same topic you choose to write about. So, you’ve to think about the “ideas” that will make your blog stand out in the crowd. For instance, if you’re thinking of doing a cooking blog, then come up with ideas that are unique such as a cooking contest, that your readers will love.

9. Write like you talk

Another key to a successful blog is “communication.” Write your blog in a way as if you’re talking to your readers. Use words that are easily understandable. Try to build a connection with your readers through your content. Your readers must understand each and every line that you’ve written. Moreover, they should feel free to communicate with you.

10. Research well

Before you pen down anything in your blog make sure you have done your research well. Find out what your readers want to see in your blog and work according to that. You can study bigger blogs to get ideas. Also, never overlook the minute details. They’re important too!

Last but not the least, when in confusion always take help from a professional. Or, if you have any query, you can leave a comment below.

Categories: Miscellaneous


Myths busted: Are you still believing in these food and nutrition myths?

‘Chocolates are not good for health.’ Does your mother screams this when you’ve just taken a bite of your favorite chocolate? Or, sipping your favorite latte in the morning reminds you of the saying – ‘coffee makes you anxious and jittery.’ Is this you go through every time when you try to enjoy your favorite food or beverage?

How many of you find yourselves in this type of situations? I think it’s the story of everyone. Isn’t it?

7 Food and nutrition myths unmasked

There are some food and nutrition myths that we often believe blindly. Take a look at the list below and debunk the myths that you’ve been believing all these years.

Myth no. 1: Diabetes persons should stay away from sugar

The truth: The notion that you must devoid yourself from eating sweets or sugar if you’ve diabetes doesn’t make sense. Yes, having too much sweets or sugar is bad for you. But, it doesn’t mean that you can’t have your favorite cake or sweet for the rest of your life. Of course, you can relish your favorite sweet dish, but you must watch the quantity.

Myth no. 2: Egg yolks are not good

The truth: Before you throw away the egg yolk remember, they’re a “goldmine of nutrition.” Having eggs for breakfast will keep you filled and prevent you from overeating the rest of the day. According to Nicole Ferring Holovach, “dietary cholesterol doesn’t affect blood cholesterol levels as much as previously thought.”

Myth no. 3: Coffee causes cancer

The truth: Over the past years, on several occasions coffee has been hooked up with cancer. For instance, in the late 1970s, researchers found that coffee caused the growth of cysts in the breast tissue. Also, a Harvard university study, in 1981, found the growth of pancreatic cancer among coffee drinkers.

Myth no. 4: Eight glasses of water per day will do wonders

The truth: Just like nutrients and calories, water intake varies from individual to individual. The amount of water required by your body depends on your activity and exercise level, and also the temperature of the place where you live. Remember, things like tea, coffee, soup, fruits also add to your water intake. So, the notion that ‘eight glasses of water per day is a must’ doesn’t hold true for every individual.

Myth no. 5: Brown bread is better than white bread

The truth: Brown bread does not necessarily mean it is made with whole grains. It could contain caramel coloring or a bit of whole wheat. So, before you buy brown bread look for words like “whole grain” or “100% whole wheat” on the packet. Make sure the first ingredient on the list is – whole wheat, oats, whole rye, whole-grain corn, barley, quinoa, buckwheat, or brown rice.

Myth no. 6: Frozen and canned fruits and vegetables are less nutritious

The truth: Fresh fruits and vegetables are always considered to be more nutritious than frozen and canned foods. Is this really so? Not exactly. Fresh edibles often travel distant miles and are even kept on grocery shelves in contact with heat, air, and water, which may cause it to lose its nutritious value along the way.

Myth no. 7: Having nuts make you fat

The truth: From time immemorial, nuts are popular for fattening. It’s known that the calorie content in nuts is high. But, what’s the truth? According to researchers, given the amount of calories in nuts, it aids in weight loss. Also, too much intake of nuts at a time will increase your weight. Eating nuts will help you feel full and suppress your hunger, thus preventing you from overeating. Besides, nuts are an excellent source of fiber and provide nutrients such as vitamin E, magnesium, folate, and copper.

Don’t believe everything you read or listen. They might not be true. If you’re in confusion take help from a nutritionist.

Categories: Lifestyle

Extension of smart phone battery.

Can you extend your smartphone’s battery? Yes, you can…

Your phone switched off automatically as the charge has exhausted. It’s annoying – right? But, you’ll be happy to know that you can extend your smartphone’s battery to some extent by following certain tips, which I’m discussing in the following lines.

I also didn’t know about this a few weeks back. But, one day, I went out to dine with a friend, and while I was trying to make an important call, my phone’s battery went down to 3% charge. I forgot to put my phone in the charge that day. But, is it possible to charge phone every day? Moreover, I notice the charge going down whenever I browse something on the Internet.

However, as I was telling, I’ve come to know that we can extend the smartphone’s battery. At least it helps when I know that the charge is less, and all I want is the mental satisfaction that I’m connected to others, anyhow.

9 Tips which you all can follow:

Reduce the screen brightness

A large bright screen of your smartphone is the enemy of your phone’s battery. Usually, the phones have an auto-brightness feature which automatically adjusts to the screen’s brightness to suit the surrounding lighting levels.

Switch to airplane mode

Do not use Wi-Fi connection if the coverage is poor. What happens is, your phone uses energy to search for a good signal and in turn, the charge gets reduced. So, in such a situation, switch to airplane mode which will turn off all wireless features.

Reduce push notifications

When you are running out of battery, you can reduce the frequency of notifications, such as email, messages, updates, etc. Instead, opt for checking your message from time to time.

Opt for a shorter screen timeout

Set your screen’s timeout to as short as possible. Do you know that it requires four times more power if you set your screen timeout to 1 minute? Studies have reported that on an average, a person turns on smartphone about 150 times a day.

Switch off vibrate option

If you don’t need it, switch off the vibrate alert from the incoming calls. The phone usually uses more power to vibrate than to ring it.

Use the power-saving mode

The smartphones usually come with a power-saving mode option. When you opt for it, the screen turns black and white, the display gets darkened, and the non-essential features are turned off. This option is usually available under “Settings”.

Block the advertisements

Your smartphone uses power when it downloads mobile ads. So, install ad blocker to extend the battery life.

Opt out from automatic email updates

Your smartphone updates your email automatically by using a technology called “push”. Having it active throughout the day will use a lot of your phone’s battery. So, it is better if you manually refresh and check your emails at certain intervals.

Download music and play

Download music and play it when you want to. It will extend the battery. When you opt for online streaming with Wi-Fi connection, your phone uses relatively more battery.

Sometimes, I check my phone’s battery usage list to find out which apps are using more energy. The apps, which remain active for a long time, uses a lot of battery power. So, if you find one, disable these activities, and you’ll have more time to use your phone before putting it in charge.

Another app which most of us use though we don’t need it – location tracking. If you don’t need it, disable it.

So, for now. Let’s follow these tips when needed, till the phone companies come up with smartphones with better battery life.

Categories: Miscellaneous