Students Of Success

Somehow it has happened. I never wanted this to happen, and I swore up and down that it never would. I vowed to be the well-dressed, sophisticated mama, with matching accessories and interesting things to say. But it happened anyway. Despite my best efforts, I’ve become a frumpy mama.

Before I had my daughter, I wore interesting clothes - even a VARIETY of interesting clothes. They weren’t necessarily expensive or even name brand, but they were put together in an interesting fashion. I even wore earrings (gasp!) and sometimes bracelets. I had a diverse selection of shoes and wore them all. I was equal-opportunity shoe wearer.

When I envisioned my life with a child, I saw myself as being that mother who looks like she has it together. You know the one - she’s always behind you in line at Starbucks as you wrestle your purse, your child and manage to dump cream all over your clothes. She’s got a designer handbag, is wearing those pointy-toed, high-heeled shoes, and her child is quietly standing there, holding her own designer handbag. Now it’s not like I wanted to be quite so precocious - I don’t need name brand - but I wanted to be “put-together.” Well, let’s be honest, I didn’t even need that. Mostly, I just didn’t want to be the one dumping half and half all over myself in public.

Immediately after I had the baby, I felt saggy and flabby and all the normal stuff. I went to Old Navy and purchased a new wardrobe that would cover the flab and still managed to somewhat meet my criteria of interesting. But after several months, I was a size or two smaller and the budget didn’t permit excessive shopping. So I bought a couple pairs of jeans and several shirts that were semi-decent and settled on those.

Now here we are, 14 months after baby and I’m still a little flabbier than I had hoped to be, but this is life. But the problem is that I still only have a couple pairs of jeans and a few shirts that I actually feel comfortable in. (See how now it’s about “comfort” and not so much about “fashion?”) I’ve tried some of my clothes from “before baby,” but the vast majority are either too short or too low-rise or too something-or-other. So every day, I am destined to put on any combination of the old tried and true. (Hmmm…brown shirt with jeans or black turtleneck with green khakis?)

Bottom line is that I’m getting tired of the same clothes; tired of feeling unstylish (is that a word?); tired of being the one dumping cream all over myself. But one good thing is that this has given me a better understanding of my mother and her wardrobe issues. And it’s only clothes after all.

I am a mother who is committed to staying home with my child. I am also committed to finding ways to supplement our income from home; ideally I’d like to do this through writing, as this is my passion. I am often sarcastic, cynical and raw in my writing. I am always honest.

Unlike other issues that affect women, cellulite seems to be one area where confusion reigns supreme. The matter of how to get rid of cellulite is one that requires patience and time, but above all else you need to have the best in cellulite information. This is due in part to the fact that cellulite is not something that will go away on its own. Moreover, cellulite will continue to be a problem unless something is done about it. That means that you will have to take the steps to deal with the problem head on. There is no side run action when it comes to this particular problem. Cellulite must be dealt with in a certain way or you will fail in the fight against it to be certain. Thankfully there is a lot of information on how to get rid of cellulite so making the point is very easy when you take the time to do a little research.

When you are looking for information on how to get rid of cellulite you should first understand all of the cellulite information that is available to you. For one thing, cellulite is a naturally occurring part of the body’s process of fat break down. The cellulite comes into play when the body has too much fat stored and that causes problems in the whole process. When there is too much fat the body does not know what to do with it so it just allows it to store up in case it may need it for energy. Well, the fact is that your body does not need that much in the way of reserve so then the fat starts to become enlarged and then it gets too large it attaches itself to the outer wall of the skin causing the cellulite dimples that are the most common symptom of this affliction.

The simple fact about cellulite information is this. If the problem is natural then you need to fight it with natural weapons. This is the very basis of how to get rid of cellulite. When you have this problem it is mostly caused by an unhealthy lifestyle as far as diet and exercise are concerned. To properly combat cellulite you need to maintain a healthy diet and also take part in as much exercise as possible. When you maintain this type of living there is a much greater chance that your body will be able to fight off the fat cells that morph into cellulite.

The words you use in goal setting are very important.
There are different opinions amongst experts about which words
work best when you set goals - but there are also points on
which most experts agree.

Let’s assume that you want to set a goal in relation to getting
fitter. Maybe you’re a bit overweight or you just feel sluggish.

First, there is general agreement that the first word in your
goal statement should be ‘I‘.

Next, the second word should be a verb in the present tense. So
for example, rather than saying I will be fitter, it’s better to
say ‘I am‘ fitter.

Third, you need to be specific. Saying I am fitter is too vague.
Let’s say that you want to be able to run a mile in 6 minutes.
You could word your goal ‘I run a mile in 6 minutes‘. It
may well be that currently it takes you 10 minutes to run a mile
- or maybe you can’t even run a mile. Forget that. You need to
state your goal as if you can already achieve it.

Now here are two points about goal setting wording on which
experts disagree. My suggestion to you is that you test out for
yourself to see what works.

First, some people say you should put a time deadline on your
goal. Others disagree. If I was setting a new goal today, I
would not set a time deadline unless the time deadline was
significant. For example, maybe you want to lose weight by your
wedding day.

When you set a goal, and also every time when you write down you
goal or speak it to yourself, you are giving instructions to the
goal seeking part of your brain called the HREF="http://www.make-your-goals-happen.com/reticular-activating-
system.html" rel="nofollow">reticular activating system. This part
of your brain cannot tell the difference between ‘truth’ and
‘fiction’. Your mind will help you achieve your goal regardless
of time deadlines.

Second, most goals gurus say that you should set goals which, in
your own mind, are realistically achievable. The other opinion
is that you should set goals which are possible but extremely
unlikely. I prefer to set goals which I consider to be
realistically achievable. Your mind will only help you if your
self image believes that the goal is possible. You can read more
about this in my article on HREF="http://www.make-your-goals-happen.com/psycho-cybernetics.ht
ml" rel="nofollow">psycho-cybernetics

You might also find it useful to read my article on HREF="http://www.make-your-goals-happen.com/setting-goals.html" rel="nofollow"><
B>setting goals which gives advice on other elements of
goal setting.

If you’ve ever started an ‘exercise program’ for the
purpose of relieving a health condition or losing weight
and found it very difficult to stick with the program,
there’s probably a good reason why your determination
didn’t last…

Your motivation failed because its source wasn’t directly
connected to the exercise. Simply put, in your mind the
exercise was a chore rather than a pleasure.

For most people, the consequences of doing ‘chores’ have
to be fairly immediate for us to continue them. Otherwise,
we tend only to do challenging things when they are
inherently rewarding.

If you want to stick with it when it comes to exercise,
you must find a physical activity that is inherently
rewarding for you, and let health and weight loss become
and added benefit.

When I first took an interest in getting fit, losing the
weight that I’d gained during a recent change to sedentary
work, I started with exercise videos. These appeal to some
people, especially if you make the workout part of your
daily routine, but for me, it was just too much dread.

Next, I decided to make a bigger investment, thinking that
would force me to work out. Enter the rowing machine.

I read a statistic somewhere (after I bought mine), that
97% of home exercise equipment purchases get used for less
than one month. I don’t know if the statistic is true in
general, but in my case it was right on.

Even with the inspirational music in my ear and my eye on
the view out my daylight basement window, it seemed silly
to me to be rowing madly and going nowhere.

I really did want to lose the weight, and I knew that
exercise and activity were absolutely necessary - diet
alone wouldn’t produce long term results. So I kept trying
new things.

Membership in a gym: too much hassle and drive time. Yoga
classes: the schedules never fit with the rest of my life.
If these sound like excuses, they are.

People make excuses when faced with things we really don’t
want to do. But exercise doesn’t have to be dreaded. And
that’s the message here. Keep checking out new things
until you find what works.

What finally got me in the groove was so obvious and easy
in retrospect. Walking. I read that the best exercise for
changing our metabolism is that which uses the large
muscles, rhythmically and continuously. Walking, jogging,
bicycling, swimming laps.

I enjoyed walking once I found good trails to use. By
walking every day for 45 to 60 minutes, I began to get fit.
Once I was in better condition, it was fun to ride bicycle
and do other things like playing racquetball and volleyball.

These activities are exercise, and a lot more fun to me
than a daily workout video or time on the rowing machine.
That’s why I continue doing them - to me they are play, not
chores, inherently pleasurable, and that’s my motivation.

You will have to stay motivated until something clicks for
you, but here’s the mental difference. In your mind, you
are in the process of finding something pleasurable, rather
than in the process of completing an onerous daily task.

This is not to say that there won’t be times when you have
to push yourself a little bit to get going. That is where
routine and habit help you. If it is your routine to do
something physically active each day, you will eventually
feel strange when you have to skip it.

Whatever physical activities you end up sticking with
doing, they will likely involve pleasure and a sense of
play and accomplishment. That’s why you’ll stick with
them, fitness and losing weight are just bonuses.

Cheri Ellsworth is contributing author to Atec Exercise and Acer Bike. Visit to find valuable free information and additional articles by Cheri.

A Typical infusion set is made up of the pump connector, a length of tubing and the needle or cannula. Different sets suit different people and it is important to experiment when you first get your pump, to find out what works for you. If you are having problems with unexplained high sugars when using your insulin pump and you are confident your control should be better, the chances are that it is due to problems with the infusion set. Tiny blockages can build up in the needle or cannula that the pump can’t detect. Changing the infusion set regularly (typically every 24 to 72 hours dependent on the type) is vital for good performance.

KEY INFUSION SET CHOICES
If you are still considering which pump to buy, you should carefully consider the cost of the infusion set, as over time, this cost will overtake the initial cost of the pump.
Here are some of the key points to think about:

• Connection Most pumps use a universal “Luer Lock”, which means a greater choice is available. Some (notably the Minimed Paradigm range) use a proprietary lock, which restricts the choice. Some companies are producing adaptors, but check the costs.
• Needle or Cannula Needles are good for people with little body fat or who are allergic to cannulas. Needles need changing daily or every other day. A Cannula is a soft fine tube that is pushed down a steel inserter needle which is then withdrawn. Cannulas are more popular, as they are more comfortable for most people. A cannula based infusion set will last up to three days.
• Insertion angle Straight forward 90 degree needle offers the simplest and most repeatable insertion. This type is good for those less keen on needles and like a fast insertion. Angled sets are available with 30 to 45 deg angles. These offer a greater variety of insertion depths and favor slower insertion.
• Needle / Cannula Depth In order to accommodate different amounts of fatty tissue, different insertion depths are available. Typically 2 or 3 needle depths are available and your Doctor can advise you.
• Tubing length A length of tubing connects the needle / cannula to the connector at the pump. Allow yourself plenty.

INFUSION SITE SELECTION
As with manual injections with an insulin pen, where you set up your infusion set is important. The best areas are at the front and sides of the stomach, acceptable sites are on the outside of the thighs and tops and bottoms of your upper arms.
You should also rotate your site position, some use a clock face method - imagine a small clock face in an area, first use the 12 o’clock position, then 3, 6 and 9. More sophisticated methods are available, but use whatever you can remember easiest. Its a good idea to write a memo, so you remember where in your rotation you are, on the infusion set itself.

SITE USE
Follow these simple steps to ensure trouble free site preparation and infusion set insertion:

• Always start with clean hands, preferably use an anti-bacterial soap
• Make sure no body hair will interfere with the set, shave as necessary
• Clean the area thoroughly and allow to dry naturally
• Keep the needle / cannula sterile - do not allow it to touch anything non sterile
• Infusion set insertion is often better if you are standing rather than sitting
• Make the skin taut and follow any specific manufacturers instructions for the final insertion
• Check your blood glucose levels about two hours after a new infusion set is inserted

When the time comes to remove the set, soften the dressing with water or baby oil and keep the skin taut as you remove the set. Keep an eye on the old site and make sure it heals. NEVER reinsert a used infusion set! NEVER try to immediately reinsert a new infusion set in the same site.

Check out some of Dan’s work at http://www.diabetesrevealed.com

The latest Insulin pumps are reviewed at http://www.diabetesrevealed.com/81Diabetes_reviews_pumps.shtml

Pain is the body’s warning signal that something is wrong. If the pain is due to overuse or arthritis there are many things to consider. In all likelihood, one of the first things a person will reach for is an over-the-counter anti-inflammatory medicine.

Non-steroidal anti-inflammatory medicines work by blocking the synthesis of cyclooxygenase, the enzyme responsible for the production of pro-inflammatory prostaglandins. The two different pathways that are blocked are COX-1 and COX-2.

Despite the negative publicity surrounding COX-2 drugs, it is clear that all anti-inflammatory drugs have potential cardiovascular risks. These drugs also may inhibit bone and tendon healing. They may also block the absorption of nutrients… So the weekend warrior needs to take notice.

Nonetheless, anti-inflammatory drugs remain a bulwark for the treatment of painful episodes.

Here are some simple suggestions:

If you’re going to undertake an activity that you’re sure will cause a problem, it’s OK to pop a small amount… say 200 mgs of ibuprofen before you do whatever you’re going to do. Unless it’s a marathon. Dehydration and anti-inflammatory drugs do not mix!

After your activity, it’s also OK to pop a bit of ibuprofen or naproxen (200 mgs). Just make sure you’re well hydrated. Also do not take these medicines if you have any underlying liver, kidney, or heart disease!

If you already take anti-inflammatory drugs on a regular basis, remain well-hydrated, and avoid alcohol when exercising or undertaking strenuous activity. With the recent data regarding cardiovascular risk, it’s a good idea to get your heart checked out.

Make sure you take your anti-inflammatory medicines with food. Sometimes people who develop indigestion with anti-inflammatory medicines but who do not have an ulcer will benefit from taking a proton pump inhibitor medicine such as Nexium or Protonix.

If you absolutely can’t take anti-inflammatory medicines because of a true allergy or if you have an ulcer- or another valid reason- you can try acetaminophen (Tylenol). The primary concerns here are that you not take this drug with alcohol (liver toxicity is increased) and you should not take this drug if you have significant liver or kidney disease.

Always consult with your physician prior to taking these medicines on a regular basis. Anti-inflammatory drugs may affect the metabolism of other prescription drugs.

Dr. Wei (pronounced “way”) is a board-certified rheumatologist and Clinical Director of the nationally respected Arthritis and Osteoporosis Center of Maryland. He is a Clinical Assistant Professor of Medicine at the University of Maryland School of Medicine and has served as a consultant to the Arthritis Branch of the National Institutes of Health. He is a Fellow of the American College of Rheumatology and the American College of Physicians. For more information on arthritis and related conditions, go to: http://www.arthritis-treatment-and-relief.com

Changes take place on the baseball diamond daily. Players get hurt and go on the DL. Players get hurt and continue to play, which can affect their performance. Managers make changes in the field and in the batting order. Managers make changes in the starting rotations.

It’s essential for the sports bettor to keep up on these changes. The Angels, for instance, have a good offense on paper, but various injuries have taken a bit out of their offensive punch. Garrett Anderson is battling a bad back, for instance, and the offense is third worst in the AL in batting, on base percentage and home runs. If they get healthy this should be a very productive offense, so it’s key to keep up with their health situation.

The NY Mets have been the early frontrunner in the NL East. The Mets had a decent weekend taking wo out of three from the rival Yankees. However, the starting rotation has taken major hits of late, with rookie Brian Bannister out and they just lost starter Victor Zambrano for the season. Mets fans must be cringing every time Tampa Bay lefty Scott Kazmir has another great game – and he’s had a lot of them this season.

You may recall two years ago at the trading deadline the Mets sent their best pitching prospect, Kazmir, to the Devil Rays for Zambrano. The trade was widely criticized at the time and it looks even worse now. Think about a rotation of Pedro Martinez, Tom Glavine and Kazmir. Instead, the Mets are desperate to fill out the rotation, especially with the surging Phillies suddenly hot on their heals. Kazmir just allowed four hits and matched a career-high with 11 strikeouts in eight innings, helping the Devil Rays beat the Marlins 3-0 for the young left-hander’s fifth straight win. At 22, Kazmir is the youngest major league pitcher to win seven games this early in a season since Fernando Valenzuela in 1981!

The Cubs have a terrible offense, still without ace slugger Derek Lee, and notice they are on a 7-1 run under the total. And speaking of weak offense, the NY Yankees are having all kinds of problems. Following the Subway Series loss to the Mets, the Yankees put right-hander Shawn Chacon on the shelf with a bruised left shin. Chacon was slated to start Sunday, but watched Aaron Small face the Mets in the Yanks’ 4-3 loss. Small will fill in for Chacon this week. Chacon will join Carl Pavano, Tanyon Sturtze, Octavio Dotel, Gary Sheffield, Hideki Matsui and Bubba Crosby on the DL. The Yankees promoted outfielder Terrance Long from Triple-A Columbus. Joe Torre said Long can expect to play right away. And Yankees catcher Jorge Posada missed his second straight game with back spasms.

The Yankees are on an 8-3 run under the total, which isn’t a surprise with so much offense hurt. The joke in the NY Post this week was, “How do you get the Yankees out? Put runners in scoring position.” Seventeen times the Yankees batted with at least a runner on second against the Mets and just twice they delivered hits. Combined with a 2-for-10 effort in the clutch Saturday, the Yankees are 4-for-27 (.148) heading into the week.

A lesser change has taken place out West as San Diego is suddenly finding some offense after a very poor start offensively to the season. The Padres are on a 10-4 run over the total. Changes occur constantly in baseball, and it’s important to keep tabs and see if that is correlating to any spread marks, such as wins, losses, overs and unders.

Bryan Leonard is a documented member of the Professional Handicappers
League.
Read all of his articles at http://www.procappers.com/Bryan_Leonard.htm.

Reprogramming the Overweight Mind 7 Steps to Taking Control of
the Subconscious does not follow the usual weight loss and diet
book formula. There is not even a diet in the book. Instead the
primary focus is on the behavior of eating and over 20 years
have been spent perfecting the clinically proven program
contained within the book. Every other book on weight loss has
taken the position of attacking the body to try and change the
mind.

The health of your body is dependent on your mental health and
taking control of the subconscious is the key to lasting
permanent change of any behavior. The subconscious mind is like
a car without an off switch and an unknown driver. If you decide
not to drive because you do not know how, it is going to drive
itself. To give you an idea of the power of the subconscious,
you can speak at a rate of about two to three hundred words per
minute. Your subconscious runs at a rate of about one thousand
to twelve hundred words per minute which is about four times
faster than you can speak. This is why you can talk on the phone
and perform other tasks like typing on the computer or driving a
car because the subconscious is already programmed to do the
other tasks.

You can look at the conscious mind and the subconscious mind
like a tug of war with a vat of mud in the middle for whom ever
loses. The conscious mind is one person on one side against the
subconscious, which are four people on the other side. If the
conscious mind decides to move in a different direction like
changing your diet, losing weight, increasing your fitness
program or any other change in your behavior, it is usually a
losing proposition because you are simply out numbered with
information. The only way you can insure permanent behavior
change is take control of the subconscious.

The Audio/Data CD included with the book is what makes this book
the Best Weight Loss Program and Ultimate Self Help Book for the
New Year? The audio portion of the CD is a guided meditation
that is based on information collected in the first six steps of
the program as opposed to using generic information. The Data
portion of the CD includes all the documents necessary to
perform a study that measures the dramatic improvement of the
emotional state of the person using the program. The program
process is based on the reality that all behavior is emotionally
driven so if you understand how an emotional state comes about
you can intervene and change the behavior. This is the
foundation of the book and why it works for the full spectrum of
behavior, not just weight loss, fitness motivation and eating
disorders. All of this would not have much meaning if the book
did not answer the most fundamental question first. What
determines human (your) behavior? I have worked with people who
have been in therapy for 20 years and can not answer this
question. They can not answer the question because the therapist
they are working with can not answer it. How can you help
someone change a behavior if you do not know what brings a
behavior about to begin with?

Many people have reported that just the first two chapters of
the book have made a significant difference in their lives.
Because of this response Kelly has released the first two
chapters for distribution free of charge.

Regardless of weather your health goal is a change in diet for
weight loss, an increase in your fitness program or to take
control of an eating disorder such as anorexia or bulimia. In
the end the question you need to ask yourself is…Am I
completely happy with the mind running itself or do I need to
take control of it? If your answer is I need to take control of
it, then Burris MIND/FITNESS is the answer.

Okay, so you’ve worked out your financial position and made your creditors an offer to repay your debt at a reduced rate. But your offer is refused.

What’s gone wrong? Well, there are three main reasons why reduced repayments are refused.

Number One: The proposed amount is just too little, compared to the amount of income that you have to repay your debts.

Number Two: They might not agree with some of the figures in your statement of means. Just because you can prove that you need a car for your job, this does not mean that they’ll accept that you have to run a large, prestige car. A smaller more economical car would do just as well. You might not like it as much, but that’s hardly relevant to someone in your position.

Number Three: Your case might have been dealt with by a clerk in the office who has not been trained to deal with people in financial difficulty. This shows how important it is not to accept their first answer. Keep trying until you get the answer that you want, even if this means moving on to someone higher up in the organisation. Because when it comes to money, no rarely means no!

If they refuse your best offer, all you can do is to pay them what you have offered, keep telling them that it is all you can afford and hope that they don’t take any further action.

If I can say one thing to put your mind at rest, it’s this; the nearer your repayment offer is to the current monthly repayment amount, the less likely they are to take any legal action. If you’re due one creditor $50 a month and you offer them $30, they might decide that formal legal action is not in their best interests. It would be time consuming, costly, uncertain and they might take longer to receive less than you’re currently offering them. They might not like the position, but it would be commercial madness not to accept it.

Always offer to pay as much as you can realistically afford – even if this is only a few dollars a month.

Copyright (c) Get Out Of Debt

Stuart runs a website dedicated to helping people get out of debt. So if you want to improve your financial position, visit http://www.icanhelpyougetoutofdebt.com for free, impartial debt help information.

1. Plan Whenever you go somewhere that you know will cost you
some money, make a plan. If you’re going to do the groceries for
instance, make a list and stick to it. If you are going on
vacation, create an itinerary that you can stick with and stay
with your allotted expenses. Failing to plan can cause impulse
spending.

2. Budget This is one area many people fall in trouble with.
They just don’t do it. Create a budget and put it on paper. You
will be amazed on how things become clearer when you see it all
in writing. If you don’t know how to create a budget, look in
the yellow pages, some companies give free financial
consultations.

3. Allowance Give yourself an allowance. Even if you’re in the
process of repairing your financial situation. It’s important to
treat yourself once in awhile or depression may set in and cause
you to overspend.

4. Credit Cards It’s just too easy to buy stuff using credit
cards. You should only use these cards for emergencies. Did you
know that on a balance of $1000 if you make the minimum monthly
payment, it will take you over 20 years to pay it off. TIP - if
you do have credit card debt and are in good standing, call them
and negotiate a lower interest rate.

5. Break some of those old Habits. Keep track of where your
money is going. Most of us develop bad habits over the years
that often add needlessly to our expenses. How many times have
you wondered to yourself - what did I do with my last 20 bucks?
We often get into the habit of making small purchases without
giving it much thought. Then wonder where the money went. If you
don’t remember what you did with the money, chances are you just
blew it away.

6. Avoid Temptations Do you have some irresistible urges?
Casino, lottery tickets, racetrack, drinking, smoking? Do you
like to go shopping? Time to keep your allowance in mind. Resist
the temptation. Think about it. My wife and I quit smoking over
a year ago and the money we saved, paid for our monthly car
payments (Buick Regal). Hmmm. Quit smoking get a free car. How
about that one. Would you quit smoking for a free car? Just
wondering.

7. Know when to shop If you do the groceries while your hungry,
you will buy more food than you need. Everything looks good.
Especially the junk food. Be sure to shop on a full stomach. If
your shopping for clothing while in a blue mood, you will end up
buying something that cheers you up rather then what you
originally went shopping for.

8. Stop competing with the Joneses Stand up and be proud of who
you are. You don’t need to compete with anyone. Let Mr. Jones
buy that brand new car and suffer the depreciation cost. You’ll
be smart and save your money while buying used cars in order to
take that great vacation Mr. Jones only dreams about. Stay
within your means.

9. Visit the Dollar Store It seems it wasn’t long ago that the
dollar store became popular. I always wondered why. All they had
was no name junk that would brake the minute you got it home.
That is no longer the case; the dollar store can often save you
mountains of money. Name brand laundry detergent, school and
office supplies, household items and much more. Be sure to visit
them.

10. Be Debt Free Make a list of all credit cards, banks, other
companies/people you owe money to. Target one of them. Pay them
more then the monthly minimum and get them paid in full as fast
as reasonably possible. Then target the next one and so on until
you become debt free.

11. Needs vs. Wants We all have needs and wants. Sometimes the
wants are a little too expensive aren’t they? It’s time to be
realistic. Can you afford it? Do you really NEED it? Stay with
your “need” list and you will spend less.

12. Refinance Consider a home equity loan if you own a house. Or
Visit your banker and see if you can consolidate your loans. If
you owe money on credit cards you can save a huge amount of
money by doing this.

13. Pay Your Bills On Time Paying late fees is such a total
waste of your money. Be prepared and organized when paying your
bills and avoid this waste. Mail that cheque early. Nsf cheques
can get expensive, and you get nothing in return. Avoid these
errors and you will learn to make every dollar count. Make sure
your money goes against the debt not useless fees.

14. Sell some Stuff Got stuff in the basement, attic or anywhere
else? It’s amazing isn’t it, on how things accumulate over the
years. What seemed like a great item a few years back is totally
useless to you today. Wait a sec. it may be useless to you, but
worth it’s weight in gold to some one else. Gather it all up and
have yourself a garage sale. Raise some cash. If you don’t want
to do that, you can sell it on eBay or even put an add in the
local paper.

Live within your means and your life will be so much simpler.
Let’s face it, if you earn $40,000 a year you shouldn’t be
driving $100,000 car. It doesn’t work. The quickest way to
financial misery is to satisfy your “wants”. Satisfy your
“needs” and you wont overspend.