5 Ways To Improve Your Self Care

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Source: 5 ways to improve your self-care

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Related contents:

“Exploring the Correlates of Self Provided Health Care Behaviour”. In Coburn, David; D’Arcy, Alex; Torrance, George Murray (eds.). Health and Canadian Society: Sociological Perspectives. University of Toronto Press. pp. 279–280. ISBN 978-0-8020-8052-3. Retrieved 29 August 2013.

“Self-care: What is it? Why is it so important for your health?”. UAB News. Retrieved 29 November 2022.

“Self-care interventions for health”. http://www.who.int. Retrieved 29 November 2022.

“Self-management interventions: Proposal and validation of a new operational definition”. Journal of Clinical Epidemiology. 80: 34–42. doi:10.1016/j.jclinepi.2016.08.001. PMID 27531245.

Do self-management interventions in COPD patients work and which patients benefit most? An individual patient data meta-analysis”. International Journal of Chronic Obstructive Pulmonary Disease. 11: 2063–2074. doi:10.2147/COPD.S107884. PMC 5012618. PMID 27621612.World Health Organization.

WHO consolidated guideline on self-care interventions for health”. Retrieved 8 September 2021.Eze, Nkiruka D.; Mateus, Céu; Cravo Oliveira Hashiguchi, Tiago (2020).

Telemedicine in the OECD: An umbrella review of clinical and cost-effectiveness, patient experience and implementation”. PLOS ONE. 15 (8): e0237585. Bibcode:2020PLoSO..1537585E. doi:10.1371/journal.pone.0237585. PMC 7425977. PMID 32790752.Sterling, Madeline R.; Barbaranelli, Claudio; Riegel, Barbara; Stawnychy, Michael; Ringel, Joanna Bryan; Cho, Jacklyn; Vellone, Ercole (2020).

The Influence of Preparedness, Mutuality, and Self-efficacy on Home Care Workers’ Contribution to Self-care in Heart Failure”. Journal of Cardiovascular Nursing. 37 (2): 146–157. doi:10.1097/JCN.0000000000000768. PMC 8196074. PMID 33315614.Lorig, Kate R.; Holman, Halsted R. (August 2003).

Self-management education: History, definition, outcomes, and mechanisms”. Annals of Behavioral Medicine. 26 (1): 1–7. doi:10.1207/S15324796ABM2601_01. ISSN 0883-6612. PMID 12867348. S2CID 3678991.Harris, Aisha (5 April 2017). “A History of Self-Care”. Slate. ISSN 1091-2339. Retrieved 29 November 2022.Taylor, C. (2019). A brief history of self-care, and the OG (original guru), Socrates. https://mashable.com/article/self-care-history

“The Ideas of Socrates”. 27 March 2015. Retrieved 29 November 2022.Kecklund, G.; Axelsson, John (2016).

Health consequences of shift work and insufficient sleep”. BMJ. 355: i5210. doi:10.1136/bmj.i5210. PMID 27803010. S2CID 206912413.

“Self-care is changing health care around the world”. Doctors Without Borders – USA. Retrieved 29 November 2022.Rodrigues, Cecília; Mendonça, Denisa; Martins, Maria Manuela (3 July 2018).

Basic self-care in older acute medical in-patients: a retrospective cohort study”. Porto Biomedical Journal. 3 (1): e1. doi:10.1016/j.pbj.0000000000000001. ISSN 2444-8664. PMC 6726298. PMID 31595230.

“Self-care during the COVID-19 pandemic”. Mayo Clinic Health System. Retrieved 29 November 2022.

“Self‐Care for the Prevention and Management of Cardiovascular Disease and Stroke”. Journal of the American Heart Association. 6 (9). doi:10.1161/JAHA.117.006997. PMC 5634314. PMID 28860232.De Maria, Maddalena; Ferro, Federico; Vellone, Ercole; Ausili, Davide; Luciani, Michela; Matarese, Maria (May 2022).

Self‐care of patients with multiple chronic conditions and their caregivers during the COVID‐19 pandemic: A qualitative descriptive study”. Journal of Advanced Nursing. 78 (5): 1431–1447. doi:10.1111/jan.15115. ISSN 0309-2402. PMID 34846083.

“Self-care research: Where are we now? Where are we going?”. International Journal of Nursing Studies. 116: 103402. doi:10.1016/j.ijnurstu.2019.103402. PMC 7035984. PMID 31630807.Baah, Foster Osei; Teitelman, Anne M.; Riegel, Barbara (2019).

Marginalization: Conceptualizing patient vulnerabilities in the framework of social determinants of health-An integrative review”. Nursing Inquiry. 26 (1): e12268. doi:10.1111/nin.12268. PMC 6342665. PMID 30488635.Gonzalez, J.S.; Safren, S.A.; Cagliero, E. (2007).

Depression, self-care, and medication adherence in type 2 diabetes”. Diabetes Care. 30 (9): 2222–2227. doi:10.2337/dc07-0158. PMC 4440862. PMID 17536067.

Self-care Science, Nursing Theory, and Evidence-based Practice. Springer Publishing Company. pp. 39–41. ISBN 978-0-8261-0779-4. Retrieved 25 August 2013.Ziguras, Christopher (2013).

Self-care: Embodiment, Personal Autonomy and the Shaping of Health Consciousness. Routledge. pp. 14–15. ISBN 978-1-134-41969-2. Retrieved 31 August 2013.

“Psychometric Testing of the Revised Self-Care of Heart Failure Index”. Journal of Cardiovascular Nursing. 34 (2): 183–192. doi:10.1097/JCN.0000000000000543. PMC 7179813. PMID 30303894.Ausili, Davide; Barbaranelli, Claudio; Rossi, Emanuela; Rebora, Paola; Fabrizi, Diletta; Coghi, Chiara; Luciani, Michela; Vellone, Ercole; Di Mauro, Stefania (16 October 2017).

Development and psychometric testing of a theory-based tool to measure self-care in diabetes patients: the Self-Care of Diabetes Inventory”. BMC Endocrine Disorders. 17 (1): 66. doi:10.1186/s12902-017-0218-y. ISSN 1472-6823. PMC 5644085. PMID 29037177.Vaughan Dickson, Victoria; Lee, Christopher S.; Yehle, Karen S.; Mola, Ana; Faulkner, Kenneth M.; Riegel, Barbara (February 2017).

Psychometric Testing of the Self-Care of Coronary Heart Disease Inventory (SC-CHDI)”. Research in Nursing & Health. 40 (1): 15–22. doi:10.1002/nur.21755. ISSN 1098-240X. PMID 27686630. S2CID 22027492.Riegel, Barbara; Jaarsma, Tiny; Lee, Christopher S.; Strömberg, Anna (19 November 2018).

Integrating Symptoms Into the Middle-Range Theory of Self-Care of Chronic Illness”. Advances in Nursing Science. 42 (3): 206–215. doi:10.1097/ANS.0000000000000237. ISSN 1550-5014. PMC 6686959. PMID 30475237.Palo Stoller, Eleanor (1998). Ory, Marcia G.; DeFriese, Gordon H. (eds.).

Self-care in Later Life: Research, Program, and Policy Issues. Springer Publishing Company. pp. 24–25. ISBN 978-0-8261-9695-8. Retrieved 28 August 2013.Jimmy, B; Jose, J (2011).

Patient medication adherence: Measures in daily practice”. Oman Medical Journal. 26 (3): 155–159. doi:10.5001/omj.2011.38. PMC 3191684. PMID 22043406.

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22 Microhabits That Will Completely Change Your Life In A Year

Breakthroughs don’t change your life. Microhabits do.Benjamin Hardy compares this concept to compounding interest, and how, given the choice, most people would take $1,000,000 in their bank account right now as opposed to a penny that doubles in value over the course of the month.

What most people don’t realize is that those who take the big payout end up with significantly less money than those who opt for the cent per day. He explains: “The doubling penny actually ends up being $10.7 million dollars. Yet, the majority of the growth happens at the very end, and most people aren’t patient enough for the big return. The live for the moment culture of today stops people from investing.”

The point is that if you want to have a completely different life in a year or two, you need to start now, and you need to start small. Here, 22 impactful microhabits you can begin tonight.

1. Try to be rejected more. 

Every day, reach out to one or two people who you’d like to work with, even if you are certain they would have no reason to respond.

It could be a potential employer, an organization at which you’d like to speak, or even a book agent, or client you’d love to work with. You might not hear back at first, but eventually, you will get a response from someone. You have nothing to lose, but potentially a lot to gain.

2. Write one paragraph.

Whether you have a book you’ve always dreamt of authoring, a business plan that’s been in the back of your mind for a while, or even just a blog you want to start, write just a few sentences each day. The momentum will build on its own and you’ll find yourself effortlessly writing more and more… but commit to just beginning with one paragraph.

3. Check your bank account.

Make it a habit to check in on all of your accounts at least once a day. If that sounds like a lot, it’s because it is. But what’s important is that you’re keeping yourself aware of exactly what you have, and where it’s going. Getting a better grip on your finances begins with having a consistently accurate mental layout of your accounts.

4. Get used to maintenance.

Aspirational tropes want you to believe that living your best life is like running a victory lap every day. In reality, it is more like being willing to tend to the unglamorous maintenance of things, like chores, cleaning, healthy cooking, staying current on bills and work assignments, or making time for exercise.

The quality of your life will be directly and drastically improved if you can incorporate necessary maintenance into your daily routine, and learn to see it as something that helps you rather than hinders you from having a great time.

5. Choose comfort for your future self over comfort right now. 

If you want to change your life, you need to start considering the needs and wants of your future self over the ones you have right now. Prioritizing how you feel and what you want in the moment is what lead you here. Instead, commit to making choices for the benefit of your future self. The idea that “being present” means disregarding anything but your most base instincts and desires is not enlightenment, it is self-destruction.

6. Be more responsive. 

If someone sends a text, answer it when you see it. As often as you are able, respond to important emails as they come in. This will ensure that you aren’t left with a backlog of work that needs to be tended to.

7. Be less reactive.

When you see or hear something that immediately enrages you or upsets you (even if it’s just a negative thought that crops up in your head) before reacting to it and pouring your energy into it, question it. Figure out where it came from, and ask yourself whom your reaction to it would serve. Learning to take that micro-pause between a stimulus and your response will change the way you look at everything.

8. Fulfill your base needs.

You are not a machine, but in some ways, your body and life does require that you fuel it in certain ways to keep it running. Eat when you are hungry. Sleep when you are tired. Trying to deny the importance of your most basic requirements for functioning does not mean you are busy and important, it means you are ignorant and setting yourself up for a breakdown or burnout.

9. Curate your sphere of influence.

You know that the people you spend the most time with have a significant impact on who you will become.

But do you also realize that what you are surrounding yourself with and putting into your head is having just as much, if not even more, of an effect on you? Take a serious look at who you follow online and what their presence on your newsfeed does for you, or perhaps how cluttered your home or office space is. This is your environment, and it is having a silent, and often subconscious, impact on you at all times.

10. Take action when you want to do something.

In Mel Robbin’s The 5 Second Rule, she explains that a lot of what holds people back is those few seconds between when you have an amazing idea, and when your brain interferes. She says that to really move your life forward, you need to act on your ideas before you convince yourself not to.

11. Take action when you don’t.

At the same time, it’s imperative to learn that just because you do not feel like doing something does not mean you are incapable of doing it. Your feelings do not impact your ability.

12. Read more.

If you aren’t someone who can get through a book, that’s okay. But it’s not an excuse to stop learning, growing and developing yourself. Follow people on social media that post or share interesting articles and ideas. Read a news story in the morning. Listen to an audiobook on your commute. How much you read is directly related to your self-growth, and your self-growth is directly related to your external success.

13. Scroll less.

Whereas sifting through TV channels was once the mindless past time of years past, now it’s scrolling through news feeds. Train yourself to limit your “scroll” time each day. Try one of those browser installations that give you a set amount of time you can spend on a website in a day before it blocks access to the site, or apps that counts how many times you open social media apps. You don’t have to delete them entirely, but you should be mindful that you’re not spending multiple hours a day effectively doing nothing.

14. Observe your patterns.

Instead of being critical of yourself when you notice that you’re procrastinating, or engaging in an unhealthy behavior, notice what prompts it. Notice what you’re doing when you feel most at ease, most inspired, or most frustrated. Observe yourself as a third party, treat your life like something you are studying. Get to know what you react to and how — this can help you direct your life.

15. Practice saying “no.”

Your energy is limited each day. Make sure it is only going toward that you truly care about. You should not feel bad about saying “no” to some things. It is ultimately a means of self-preservation.

16. Practice diverting your attention.

When you have a self-defeating thought, the solution isn’t usually to mull on it until you arrive at a different conclusion. The solution is usually to distract yourself with something productive. Get better at diverting your attention to something that helps you, not negative thoughts that can lead to a spiral.

17. Share your ideas consistently and clearly.

Having ideas is great, but they won’t go anywhere if you aren’t able to articulate them, or come up with an action plan that allows you to implement them.

18. Use what you have.

The next time you have the urge to go pick up dinner or a new outfit for the weekend, challenge yourself just once to wear what’s in your closet, or eat what’s in your pantry, even if you don’t want to that much.

19. Drink one more glass of water.

Don’t worry about pressuring yourself to get all recommended 8 cups down perfectly. Just focus on drinking one more. Then, when that’s part of your routine, add another.

20. Eat one less unhealthy snack.

Don’t worry about trying to completely overhaul your diet and perfect every single thing that crosses your lips. Focus only on foregoing one single unhealthy choice that you’d make on any given day. Just one.

21. Create open portals for people to reach and contact you for what you want to do.

Make sure that you are consistently making your information available to those who may want to reach out to you. Your personal website and online presence is the new résumé, so make sure you are consistently updating and improving it, and making it easy for others to understand what you do and how to reach you.

22. Begin each day asking yourself: “How can I change my life today?”

Get out of the mindset that you have to “get through” the day and get into the mindset that the coming hours are filled with open-ended potential for you to take action that will change your life forever. The only difference is your willingness to see things differently, and your effort in trying to make them better.

I cover stories on emotional intelligence and millennial trends.

Source: 22 Microhabits That Will Completely Change Your Life In A Year

.

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Ways to Build Self-Esteem

Everybody experiences self-doubt from time to time. It’s a normal part of being human. When feelings of self-doubt last for long periods, however, you may have low self-esteem. “Low self-esteem is used to describe someone with a negative view of oneself, feelings of worthlessness and incompetence. Generally people fall on a continuum from low to high self-esteem, and this can vary from day to day and from situation to situation,” says Lori Ryland, a psychologist in Kalamazoo, Michigan.

Fortunately, low self-esteem doesn’t have to be permanent. Recognizing symptoms of low self-esteem, understanding its causes and learning steps to thwart it can go a long way toward making you feeling worthy, valuable and confident.

What Causes Low Self-Esteem?

Low self-esteem can have many triggers and begin at any time in life. Some experts say low self-esteem is more the result of negative or traumatic experiences.

Others say low self-esteem stems from a critical inner voice. “Although it seems that our emotions and motivations result directly from the events and circumstances we encounter, they are instead reactions to our self-talk – the internal monologue that streams through our waking consciousness, interpreting whatever we experience and creating our perspective,” notes John Tholen, an author and retired psychologist who practiced in Southern California for more than 40 years.

Symptoms of Low Self-Esteem

The symptoms of low self-esteem may be hard to recognize or admit to yourself.

Ryland says signs can include:

Or perhaps you may recognize certain habits of low self-esteem, such as being unable to set boundaries. “Letting others have their way and failing to stand up for oneself can occur,” Ryland says.

Ways to Build Self-Esteem

You can build self-esteem with many techniques. Here are 17 to get you started.

  • Get some perspective. Realize that many people experience low self-esteem, and you’re not alone. “Self-esteem issues are much more common than you might think,” says Noam Dinovitz, a therapist in Philadelphia. “It’s one of those issues that frankly is easy to hide.”
  • Give yourself a break. “Maybe you are ‘just right’ how you are. Maybe this is a learning time. Maybe this is how it is all supposed to be. Be kind to others, and be kind to yourself. It is OK if you take a break today,” says Lynn Zakeri, a therapist in Chicago.
  • Be aware of self-criticism. “Take note of what you are saying to yourself,” says Alyssa Friedman-Yan, a therapist in Wilton, Connecticut. “Demand proof for these harsh statements.”
  • Get a second opinion. “First, list a few people in your life whom you value, and the reasons why you value them. Next, when appropriate, ask them why they value you. Then compare the list,” says Aaron Weiner, a psychologist in Chicago. “Is there any overlap? Do you agree with their judgment of you?”

  • Redirect negative thoughts.Reframe that critical voice into a more supportive one. Did you make a mistake? Well, instead of, ‘I’m so stupid,’ how about saying, ‘I learned what not to do,’” says Natalie Bernstein, a psychologist in Pittsburgh.
  • Change your expectations. “Unrealistic expectations can set one up for failure and diminish self-worth,” says Dr. Rahul Gupta, a psychiatrist in Atlanta. “It is important to tell oneself that not meeting certain goals and expectations is permissible.”
  • Write down your definition of worth. Be specific. “When we use general phrases, it’s easy to say we don’t feel good, because we can’t even truly define what we’re saying,” Dinovitz points out. “Furthermore, make sure that the worth is coming from a healthy place. If all of our worth is coming from a source like our jobs or how many followers we have on social media, that’s not healthy.”
  • Set realistic goals. “Start small and start simple. Be proud of even the smallest accomplishments. Change is best when it’s gradual and not abrupt. I like to tell my clients, ‘We cannot get from point A to Z without traveling through the alphabet, so please stop trying to skip B and C. Leave a trail of breadcrumbs so you can see your accomplishment and feel it and find pride in it,’” Friedman-Yan says.
  • Take control of negative experiences. “If we’re able to find purpose in the negative things that have happened to us, then we are able to use our negative experiences to our advantage and are able to feel like we have more control over what happened to us,” notes Brooke Aymes, a therapist in Haddon Township, New Jersey.
  • Take stock of successes. If you’ve succeeded before, you can do it again. “Make a list of all your accomplishments and keep this handy. Review it and add to it often, especially when you’re feeling low,” Ryland advises.
  • Try being assertive in conversation. “Say something that takes courage. It may just be chiming in or an opinion, but assertiveness can help you walk taller,” Zakeri suggests.

  • Challenge Yourself. “Maybe you’ve always wanted to hike a mountain, sleep in a tent or go kayaking, yet you’ve never made time for the experience. The more we challenge ourselves to try new things, the more we see what we are truly capable of and it helps us to build self confidence in ourselves,” Aymes says.
  • Surround yourself with healthy relationships. “Individuals that make up a social support system provide a mirror for one’s positive image. Healthy relationships and social support systems also provide an example of positive values that one can strive to embrace,” Gupta explains.
  • Avoid social media. Many studies suggest that social media is harmful to self-esteem. For example, a review of 49 studies of college students or teens, published online Aug. 27, 2019, by Media Psychology found that comparing oneself to others on social media was often associated with lower self-esteem. “Whether what we see is accurate or not, it’s very difficult to see what everybody else is up to or accomplishing and then not compare that to ourselves,” Dinovitz says.
  • Be in service to others. Aymes advises clients to volunteer or perform random acts of kindness, such as paying for the road or bridge toll of a person behind you in traffic. “Being in service to others helps us to naturally feel like good humans and also makes the world a better place,” she notes.
  • Use affirmations. “Think of how easily you believe critical ones of yourself. Instead, try to choose a phrase or two that you want to believe about yourself. Write it down on a piece of paper and keep it in your pocket, or note it on your phone. When saying it, try to tap into the feeling of the affirmation, imagine what your life would be like if this were to be true. Practice is important here, so set a timer on your phone if you need help remembering throughout the day,” Bernstein recommends.
  • Seek professional help. Consider reaching out to a professional such as a therapist, psychologist or psychiatrist. An expert can guide you through a number of types of talk therapy, such as cognitive behavioral therapy, which utilizes many of the same strategies in this article, including identifying dysfunctional thoughts and refocusing them to be more positive. “We can improve both our outcomes and our state of mind by identifying – and shifting our attention to – reasonable alternative ideas that are more likely to inspire constructive action or hope,” Tholen says.

Finally, don’t beat yourself up if change doesn’t happen overnight. “A path to self-acceptance is often a long one and has many peaks and valleys,” Friedman-Yan says. “It takes effort and adaptation, and requires us to be mindful in our interactions with self and our world around us.”

By

Heidi Godman reports on health for U.S. News, with a focus on middle and older age. She has over two decades of experience and her work has appeared in dozens of publications, including the Harvard Health Letter (where she serves as executive editor), the Chicago Tribune, Orlando Sentinel and Cleveland Clinic Heart Advisor.

Source: Ways to Build Self-Esteem | US News

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12 Things You Should Do To Save Money In October

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In today’s world, it’s more important than ever to prepare for your financial future.

And one of the easiest ways to add to your nest-egg is to simply cut your biggest household expenses and save more of your hard earned money.

We often forget some of the golden rules to saving that our parents taught us. Here’s a quick list of things you can do to save on bills in 2019. No matter your circumstance, there’s something here that everyone can use like cutting down your mortgage bill and save on utilities.

1. Take Full Advantage Of These Tax Deductions

Owning a home can be very lucrative. Seriously, owning a home can not only give you a cheaper monthly payment than renting but in many cases, the tax benefits make the decision a no-brainer.

Here are a few of the larger deductions that you need to be sure to take:

Interest you pay on your mortgage: If you own a home and don’t have a mortgage greater than $750,000, you can deduct the interest you pay on the loan. This is one of the biggest benefits to owning a home versus renting–as you could get massive deductions at tax time. The limit used to be $1 million, but the Tax Cuts and Jobs Act of 2017 (TCJA) reduced the limit and made some clarifications on deducting interest from a home equity line of credit.

Property taxes: Another awesome benefit to owning a home is the ability to deduct your property taxes. Before TCJA, the rules were a little more flexible and you were able to deduct the entirety of your property taxes. Now things have a changed a bit. Under the new law, you can deduct up to $10,000. The deduction for state and local income taxes was combined with the deduction for state and local property taxes, too.

Tax incentives for energy-efficient upgrades: While most of the tax incentives for making energy-efficient upgrades to your home have gone away, there are still a couple worth noting. You can still claim tax deductions on solar energy–both for electric and water heating equipment, through 2021. The longer you wait, though, the less money you’ll get back. Here’s the percentage of equipment you can deduct, based on time of installation:

Between January 1, 2017, and December 31, 2019 – 30% of the expenditures are eligible for the credit
Between January 1, 2020, and December 31, 2020 – 26%
Between January 1, 2021, and December 31, 2012 – 22%

2. Use Government Rebates To Get Solar Panels And Slash Your Energy Bills

Warning: Do not pay your next energy bill until you read this…

This is the 1 simple truth your power company doesn’t want you to know. There is a new policy in 2019 that qualifies homeowners who live in specific zip codes to be eligible for $1,000’s of Government funding to install solar panels. Has your power company told you that? Of course not. They hope homeowners don’t learn about this brilliant way to reduce your energy bill tremendously!

When homeowners check whether they qualify many are shocked that subsidies and rebates can cover a lot of the costs associated with installation so it greatly reduces the amount you’ll have to pay. Many may qualify for $0 down! Soon, you could be on your way to significantly reducing your electric bill in a matter of weeks.

Smart homeowners are setting out to do their own research and determine whether this new program lives up to its reputations. Over and over again, many are reporting back on their findings, with the most exciting part being that they are now able to save $1,000s a year on their own energy bill.

Estimate Your New Power Bill >>

3. Install CFLs or LED Lights Where You Can

New lighting technology has really come a long ways. Now although they do cost more than traditional incandescent bulbs, CFL and LED bulbs can last for years without having to replace them. You don’t even need to replace every bulb in the house at once. Even swapping just your four or five most-used light bulbs can save you $45 or more a year!

CFL vs. LED

CFLs, which use a quarter of the energy of incandescent bulbs and last for years, are the next cheapest option after traditional bulbs. But they also have some drawbacks: They take a while to warm up to full brightness, and they also contain a small amount of mercury.

Meanwhile, LEDs are more expensive. However, they’re getting cheaper all the time, and they are easily the best lighting option available: They light up instantly, are efficient as CFLs, produce a warm glow without getting hot to the touch, and can last for decades.

4. Automate Your Thermostat

One of the easiest things you can do to instantly start saving money on your heating and cooling bills is to get an automated thermostat. These smart thermostats will learn when you are home and make sure the home is at a comfortable setting during those hours.

You may even be able to get a rebate from your utility provider for installing one of these in your home. It’s a win-win!

5. Make A Grocery List

You ever go to the grocery store when you’re hungry and find yourself checking out with way more than you intended? We call this “Hunger Shopping” and it’s quite dangerous to your wallet!

Before going to get groceries, make a list of groceries that you need for the upcoming week. That way, you only buy what you’re intending to use and the amount that will get thrown away from being expired is kept to a minimal.

6. Buy in Bulk

One of the easiest things you can do to instantly start saving money is to buy in bulk! Retailers often give a MUCH better deal on products such as paper towel, toilet paper, detergent, etc if you buy in bulk.

This might seem like an obvious one, but we often forget how much money we waste by not buying in bulk.

7. Want a Patio? Consider Concrete Over Pavers

Building a patio can add great value to your home, as well as creating enjoyable outdoor living space for you and your family. But patios can come at a great cost.

When we decided to add a patio to our home, we looked at the different surface options carefully. Although many landscapers would recommend pavers over concrete because of their durability over time, we decided that the cost savings was more important to us. We personally love the clean look of concrete as well.

Now one thing to remember with concrete is that it WILL crack eventually. But if you have a good concrete crew, it should be prepped right where the cracks are minimal. So we expect to see cracks, but are hopeful that it will be minimal.

8. No Life Insurance? You’ll Want To Use This Brilliant Life Insurance Trick

If you don’t have life insurance, you better read this.

It’s not something any of us like to think about or plan for. But when the worst happens, it’s essential to know your family and loved ones are covered financially. That’s why it’s essential to have a life insurance. A good life insurance policy can help cover the cost of a mortgage, childcare costs and safeguard your family from inheriting any debts you might have.

 

But the sad truth is, a shocking number of Americans do not have a life insurance policy and their family is at financial risk if the worst should happen.

There is a service that is now allowing users to get free life insurance quotes from some of the top insurance companies out there. People are shocked at how cheap an excellent policy is after requesting their free quotes. But the reality is, life insurance rates are at a 20-year low and thanks to new program policies you could qualify for a great new policy at an extremely affordable price.

To get your free quote today, click below and complete a few questions (about 60 seconds). Once you’re done, you will be presented with choices and rates you never thought possible (no login required). Enjoy your savings!

Get Your Free Quote Now >>

9. Give Your Air Conditioner Some Space

Just like we need to breathe, your air conditioner needs space where it’s getting air easily. Many AC units are surrounded by shrubs that can restrict the airflow it needs to run efficiently. Take a few minutes this weekend and do the following:

Trim up any bushes that are are touching the unit so there is at least 1 foot of clearance

Clean up the ground for any loose debris or leaves

If the outside of the unit has a lot of debris clogging it up, consider having a professional service and clean it out

10. New Auto Insurance Policy

Here’s what auto insurance companies don’t want you to know…and what thousands of consumers are quickly learning about their current auto insurance plan:

If you’re paying more than $63 per month for auto insurance, this auto insurance comparison tool can help you check to see if you’re overpaying in a few minutes. This is something every driver should be doing every 6 months or so to ensure that they are getting the best deal.

 

Insurance companies are always competing to win your business, but if you turn a blind eye and keep the same policy in place for a long period of time, your rates might have increased. By checking rates, drivers saved an average of $531 per year with a new policy.

So do yourself a favor and do a quick comparison by filling out a short form (about 4 minutes). This is a fast way you can start saving on your auto bills.

Compare Auto Insurance Rates >>

11. Veterans Get a Massive Discount at Lowes

All active military and veterans are entitled to get a 10% discount on all in-store purchases at Lowe’s.

To make it even better, Lowe’s extends this offer to their spouses! Need new tools? How about new appliances? How about a kitchen remodel? Lowe’s carries a variety of things, so take advantage of this incredible discount!

12. Born Before 1985? Get $3,000/year Taken Off Your Mortgage With The Government’s New “Enhanced Relief” Program

Banks Don’t Want Homeowners Knowing This

Still unknown to many is a brilliant Government Program called the Freddie Mac Enhanced Relief Refinance Program (FMERR) that could benefit millions of Americans and reduce their payments by as much as $3,000 per year! You could bet the banks aren’t too thrilled about losing all that profit and might secretly hope homeowners don’t find out before time runs out.

 

So while the banks happily wait for this program to end, the Government is making a final push and urging homeowners to take advantage. This program is currently active but could be shut down at any given time in 2019. But the good news is that once you’re in, you’re in. If lowering your payments, paying off your mortgage faster, and even taking some cash out would help you, it’s vital you act now and see if you could qualify for FMERR or a better rate in today’s marketplace.

Source: https://article.expense-cutter.com/save-big-this-year-with-these-useful-tips-fbvlm

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It’s not about how much money you earn. It’s what you do with the money that matters. In this video, I’m going to show you a business strategy on how to manage your money. I’m not gonna tell you what to invest in. That’s not my role. Here are the best ideas of what the best professionals do to manage their money. Learn more from Tom LIVE at the next Summit event: https://tfi.media/2UC21rg ———— I hope you got some helpful tips and new ideas from this video. To ensure you don’t miss all my FREE training videos all you have to do is sign up here with your email: http://bit.ly/TomFerry-VideoTraining Get a FREE copy of my new book: http://bit.ly/2Bblstw Download FREE Agent Scripts and Resources: http://bit.ly/2iDEjpJ Tom Ferry Coaching: http://bit.ly/2eP8UlA Tom Ferry Events: http://bit.ly/2gQBjbD Join Tom’s VIP List: http://bit.ly/2sMb73n ————- Connect with me on my other social channels: Website – http://TomFerry.com Facebook – http://facebook.com/TomFerry Twitter – http://twitter.com/TomFerry YouTube – http://youtube.com/CoachTomFerry Instagram – http://instagram.com/TomFerry Podcast – http://soundcloud.com/CoachTomFerry

 

Bridging The Gap Mega Self Help – Fully Done For You Info Product In A Booming Market And Cash In Without The Hard Work

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How many of times have you heard that saying? While it may make sense intellectually to most people, living out this saying is another thing altogether. You know it, and I know it. There are many things we know should work in our lives, but in reality, they don’t. They don’t even stand a prayer. Belief powers successful action. This is the reality. While we can say to ourselves that believing to achieve is possible for others, but not possible for us, we still have to confront this reality. If you look at any successful person, from multimillionaires to billionaires, to captains of industry……….

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