Monday, 27 May 2013

Regaining Financial Control – Part 1


Regaining Financial Control – Part 1


Ask yourself:

1. Do you spend more than you earn?

2. Are outstanding payments piling up or becoming increasingly hard to pay off?

3. Do you find yourself paying bills late or barely making deadlines?

4. Is your credit card limit fully utilized?

5. Do you feel like you’re struggling to keep your head above the water?

6. Here are a few tips to avoid getting into that situation and to get you out if you’re already there.

7. Do you live from pay cheque to pay check?

8. Do you feel like you work so hard and yet still you’re debts seem to be increasing?

If you answer YES to 3 or more of these questions then you need to regain financial control before it is too late.

How to regain control of your finances:
Consolidate your debt
Your financial situation could get very confusing when several different loan or credit card payments are coming out of your account at different times of the month. It becomes difficult to keep track of: which payments were actually made; which payments are outstanding and if you have sufficient funds to cover them; how much you can afford to spend on entertainment and other everyday needs such as groceries, travel, lunch etc.
You can solve this problem through debt consolidation. This simply entails taking out one loan to pay off many others including hire purchase debt and loans and credit cards from other banks and retailers. This way, you only have to service one loan, track one payment and deal with one bank. Ask for a Debt Consolidation Loan.

Thursday, 23 May 2013

How To Stick to your Workout

1. Just Show Up

On low-energy days, head to the gym with the promise that you can leave after you finish your warmup. "Tell yourself you'll just do the Dynamic Warmup," says Rachel Cosgrove, author of The Female Body Breakthrough and creator of the Look Better Naked fitness program. "Once you get to the gym and get your blood pumping, chances are you'll finish your full workout. Ninety percent of the time, my clients do."
2. Play the Percentages
Have your body-fat level measured early in the program and then toward the end to gauge your fitness progress. "You'll actually have numbers that you can shoot for, and something that you can definitely measure, as opposed to, 'I just want my abs to look better,'" says Tim Kuebler, a certified trainer in Kansas City, Missouri. A body-fat percentage from the high teens to the mid-20s is considered healthy for most women (ranges vary by age), according to the American College of Sports Medicine. A trainer can estimate your percentage using calipers, and most gyms offer this service for a minimal charge; just have the same person do it each time, as measurement techniques can vary.
3. Book It
"You'll never find the time you've got to make the time," says Chuck Wolf, manager of sport science and human performance at the USA Triathlon National Training Center in Clermont, Florida. While that seems obvious, lack of planning continues to be the biggest reason people fail to work out, Wolf says. He suggests keeping a calendar and your scheduling workouts at least a week in advance.
Have a contingency plan, too, in case the unexpected cancels your workout. "You're 40 percent more likely to work out if you have strategies to help you overcome the obstacles," says Rod Dishman, PhD, an exercise scientist at the University of Georgia.
4. Make a Date with a Friend
Having a pal waiting for you at the gym will get you there. "If you've made a commitment to someone, you have a tendency to keep it," says Tristan Gale, an Olympic gold medalist. But that doesn't necessarily mean your best friend is also your best workout partner. Look for someone who's on the same fitness level and has similar goals.
5. Target Your Heart
Heart disease is the number one killer of women, claiming 500,000 lives each year, according to the American Heart Association. Find out what your cholesterol levels are and what they should be. Then work toward meeting that target by exercising regularly. "You'll decrease your risk of heart disease while providing yourself with a very important, concrete goal," says John Thyfault, PhD, an assistant professor of internal medicine at the University of Missouri-Columbia.
6. Be Defensive
Need more inspiration than trimming your waistline? On your do-anything day, consider taking a self-defense class, which will increase your confidence as well as your heart rate. Learning practical defense skills--eye strikes, heel palms, knees to the groin--will also bolster your sense of control, says Dana Schwartz, a self-defense instructor. "You get to fight every class, and every class you see improvement in yourself," Schwartz says. "I think people are surprised by how powerful they are."
7. Invest In a Trainer
If you don't know what you're doing when you get to the gym, it pays to hire someone who does. Beyond helping you plan your workout, a personal trainer will observe and correct your form to make sure you produce results and avoid injuries. "They'll spot you through the movements, so you can really feel what muscles [are working]," says Brenda Powell, a certified trainer and general manager of the Institute of Human Performance in Boca Raton, Florida.
8. Find a Happy Place
You hate fish, but that doesn't mean you stop eating. The same is true for exercise. "I can recommend running," says Ronald W. Deitrick, PhD, director of exercise science at the University of Scranton. "But if a person doesn't like running they're not going to do it. They don't care what the benefit is." The "perfect" exercise is the one you're happiest doing, so make sure you find yourself wanting to work out

Wednesday, 17 April 2013

Weight Loss: Steps towards a Healthier, Happier You


We all wish that we were a little slimmer but chugging down cans of soft drinks and snacking all the time isn't gonna get you there soon. When it come to weight loss you want results - Fast. But instead of tryng to loose the weight fast to put it right back on again, why don't you try to get your weight under control once and for all.

Fad diets dont last long, there are actually better, healthier options available to suit any lifestyle and they're available today!




For rapid weight loss, it has been recommended that to stick to a diet that focuses on fruits, veggies, egg whites, fish and lean meats. This is because vegetables help you feel fuller. Water is also important so drink plenty of it. Serve your self smaller portions and eat what's in the plate and don't worry about what's in the refrigerator  Try not to skip meals, this make you eat a lot more than you want to.
fruit and vegetables on scale

Keeping a food journal is also a great idea, so that it's easy for you to keep track of what you consume and how much of it. "Even if you write it down on a napkin and end up throwing it away, the act of writing it down is about being accountable to yourself and is a very effective tool for weight loss," says Bonnie Taub Dix, MA, RD, author of Read It Before You Eat It.

If you are an emotional eater, please try to get help from a professional. This can be helpful to you in dealing with those issues that cause to to be in this situation in the first place. And finally, reward yourself when you have done a great job.

Tuesday, 26 March 2013

What is Color Blocking?


Color blocking technique that is used when styling to add vibrant, bold pops of color to your wardrobe.
Firstly, having some sort of knowledge of what colors go best together is important. The colors must support and compliment each other.
Color Wheel Basics:

Here are some colors that usually work well together:
  • Cobalt Blue, Yellow, Orange
  • Chocolate Brown, Pink, Peach
  • Purple, Bright Blue, Teal
  • Deep blue, bright pink, White
  • Coral, Grey, Ivory
  • black and white 



Monday, 25 March 2013

How to Transition from Relaxed Hair to Natural Hair


If you're like me and in the process of transitioning, or you haven't quite made up your mind about turning your relaxed hair into a chemical-free halo of curls, you're not alone. Ask any woman who's traded in her no-lye kit for a Tangle beauty; I know she’ll tell you that you have a lot to learn. This is actually the least of your worries, finding the right resources to assist you on your transitioning journey can be very pleasurable. 

There are different ways to transition:

1.      CUT IT ALL OFF! - this is the fastest and simplest way to get your natural hair back. If you have no problem with sporting a short cut, then this is the method for you. All this process requires is about ten to fifteen minutes and a pair of scissors. It is also important that your learn about your hair texture and pattern.
 
  1. GROWING IT OUT – It’s an effective way for many of the people who are too chicken for the big chop. This method is done by allowing the relaxer to grow out and when a manageable length has been attained, the relaxed portion is then cut off. The hair is properly treated and ends cut to ensure that no more of the hair is damaged.
 
3.     BRAIDING – This is a very common choice for those transitioners that have chosen the growing out route.  Braided in human or synthetic hair is worn to keep their relaxed pieces and gradually grow the natural portions out with braids. There are several types of braiding styles such micros, twists, corn rows and pixies.